WillisBack/dataset-financial-user-claim huggingface dataset:
I have an issue with my XXXX line of credit. I was paying through a joint account that I have with former spouse. We got into it and the Navy Federal account with over the limit. I was in constant contact with Navy Federal, I continued to make payment and the account was finally brought current. Then I called to check the status and was advised it was current but the account was frozen and they are not going to unfreeze it. I was NEVER notified. Had I known this I would have borrowed to bring it current sooner or something and when I call they are rude and unhelpful. Then the tell me that I was notified and I was n't I asked for a supvervisor/manager to listen to every single call and tell me when I was notified and to call me back. I have yet to hear anything aside from reapply. I do n't want to reapply my credit score has tanked because of this, so why would I reapply. Prior to XXXX I aside paid on time. I just want the current XXXX unfrozen.
This loan company has refinace my parents home at lease twice over the decades.They were paying {$570.00} a month, as of XX/XX/XXXX they was told their Insurance was being cancelled and their payments was gon na be XXXX a month. At one time they was told the signed off on a {$52000.00} loan in XX/XX/XXXX. My Dad was XXXX yrs old then, and had no clue as to what was happening to them! Since that time our Father XXXX XXXX in XX/XX/XXXX, leaving all of this on her. She had to move out of the house, and is in the process of trying to sell it. One problem my parents still owes {$6500.00} on the loan. We can '' t find any paper work on the contract they suppose to have sign.The loan company says they ca n't go back that far, and that they do not have the contract or papers explaining what went down, and how it went down! My parents did not know the would be still paying on this loan in XX/XX/XXXX. They made them think they were saving money, when they were actually paying more, over a longer period of time! From XX/XX/XXXX to again in XX/XX/XXXX to now XX/XX/XXXX. Can You Believe!!!
On or about XXXX 2015, I noticed while checking my credit report, a delinquent account from " XXXX XXXX XXXX XXXX '' for approximately {$2000.00}. I immediately began the process of informing them  that this was a fraudulent activity via written letters and by phone. I also sent letters to the XXXX major credit reporting bureau 's informing them the same. Thinking the matter was resolved, I was shocked to receive a summons from Superior court years later, without any previous correspondence. Now I 'm being constantly harassed by these vicious attorney 's who continue to claim they are not receiving my documents ( I have all documents filed and organized with USPS tracking proof of delivery ) and neither the original creditor or the attorney has produced a single document that I have requested showing my signature on an agreement or any other proof which might substantiate there claim. Because there is no such document. They have even failed to show me what was allegedly purchased with this line of credit or loan. Yet they continue to harass me to the point where I now am having to pay an attorney to help defend me. I believe that by this harassment, they are violating my rights as governed by the FTC which enforces the " Fair Debt Collections Practices Act ''. The Attorney mentioned above is : XXXX XXXX XXXX of Nelson & Kennard, XXXX. XXXX XXXX XXXX, CA XXXX. Thank You,
On XX/XX/2018 I have type out and mailed a certified letter to a creditor Conserve in regards of amount I owe of XXXX. I requested a validation, of competent evidence Bearing my signature, showing that I have ( or ever have some contractual obligation to pay them. conserve has failed to respond, or have my account disputed.On XX/XX/2018, I have written a second goodwill letter, in response to them ignoring my 1st letter. Evidence is in attachment, with name and account number.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX  XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Called today and threatened me with liens on vehicles and bank accounts if debt not paid. The debt is not even mine.
Hello, I initiated a wire transfer from my U.S. based bank last Thursday ( XX/XX/XXXX ) and received confirmation that it was successful on Friday, XX/XX/XXXX. 

The reason I initiated the wire transfer is because I thought it would Be faster according to the coinbase website. However it 's taken just as long as an ACH transfer Would have taken ( although funds are still not in my account ). 

When I called about this initially on Monday I thought I had given plenty of time, and the institution rep also agreed. She stated that she saw the funds but would need someone in processing to " manually '' place in my account. I asked for a transfer number and she stated that once I reported the ticket, I could not call in to speak with anyone, and that my only recourse is to contact them via email. 

That 's fine, however they do n't respond back to emails for several days at a time. Unfortunately, this has cost me more money then I transferred due to the changes in Bitcoin prices. The company is called coinbase and they are under federal regulations, but this financial institution has processes in place to directly prevent customers/clients from being able to speak to someone. 

While they have my money they are collecting interest on funds that should be in my possession. 

Unfortunately, I learned of this companies inability to cope with their current customer demand too late and have now suffered a fate of uncertain action. Maybe I 'll get my money? Maybe I wo n't? But this company would rather not deal with customer complaints. 

This was a u.s. to u.s. wire transfer with a successful confirmation number. Is it legal for a company to hold your wired funds for a long period of time that they determine? Is it legal to put processes in place that prevent contact by customers/clients? 

There are thousands of complaints against this company for holding customer funds for no reason. 

Please investigate this firm!
The original creditor was XXXX XXXX, the debt had been disputed several times to XXXX as a fraudulent account and never resolved. XXXX wrote off the debt and it was purchased by a debt purchasing company. I was never contacted about the debt but it appeared on my credit reports. I have continuously disputed this account and it has not been removed. In XXXX I contacted XXXX directly, they sent a request to the credit bureaus to remove the debt because it did not belong to me but because it is being reported by this debt purchasing company it has not been removed. I called Pinnacle the company reporting this debt and was informed they are not managing the account another company XXXX XXXX has acquired the account, but Pinnacle continues to report it to the credit bureaus. When I contacted Pinnacle directly they told me to contact XXXX. When I contacted XXXX they were rude and refused to give me any information or send me any information. I have continuously contacted all XXXX credit bureaus over and over again disputing this record and it still has not been removed or resolved.
I have disputed this debt with XXXX since XXXX. I have sent multiple requests to verify the debt. XXXX has refused to respond to the certified letters I sent on XXXX and again on XXXX. The credit bureaus removed the item, but now all of a sudden it 's appearing again. This debt is not mine, I have not signed a contract or anything to business with XXXX. Please remove this from my credit. It 's been almost a year and XXXX has not responded to any requests. The law provides for removal of the item if you do n't respond and it 's been nearly a year.
USAA credit card I did a cash advance of {$100.00} onXX/X/2015. Have contacted USAA credit department several times to request to pay this cash advance back they refused. I have a separate charge for cash advancye on my bill, they say I have to pay the entire balance of credit card before they will allow me to clear the cash advance. I have been charged {$52.00} every month since XX/2015 that 's {$960.00} for an advance of {$100.00}. Also {$52.00} a month is excessive for a ' {$100.00} debt. THIS IS PREDITORY CREDIT PRACTICES
Caller keeps asking for someone who does n't live here. Told him not to call again. Calls have increased in frequency. Now there is no one on the line when we pick up the receiver
In XX/XX/2017 as part of a divorce I was required to ( if possible ) assume the mortgage on the marital home which was being held by Plaza Home Mortgage Inc. We reached out to Plaza and asked them is the mortgage was assumable to which they replied that it was and sent paperwork to be completed to start the process. I sent in the required paperwork that they sent to me, sent in all of my XXXX XXXX, bank statements, proof of income ect. Over the next 8 months they continued to send me more paperwork, sometimes two or three duplicates of what I already filled out an sent to them. After calling them on the phone to fine out what was asking so long for the assumption they told me I had to send them a check for the fee 's and closing costs for the assumption and once I did that it would be about 30 days until it was complete. 

After sending the payment ( and them cashing it ) and after the 30 days had passed I once again called Plaza to see if it was all done. They then informed me that mortgage had ben SOLD to XXXX XXXX  that very day and that the assumption would go through XXXX NOT Plaza. They gave me the new account number for XXXX which I called. XXXX had ZERO record of any assumption process and not only that, informed me that the original loan was NON assumable and that Plaza would have know it was non assumable. 

So now, 10 months later I am out all the money I paid to Plaza for the assumption and I now have to purchase the house from my ex spouse at over a full percentage interest rate than was to have been given with the assumption. I also have to pay closing costs, transfer fee 's, taxes and such. 

Plaza KNEW this mortgage was not assumable yet wasted both my time and my money. Taking money from me for closing costs on a non-existent assumed mortgage.
World finance in XXXX ga. Is reporting a chapter XXXX bankruptcy on top of a charge off that states closed. I have disputed 3 times in the last 5 months. They go in take the comments off then the following month add them back on. They have my credit looking like I've just filed bankrupt in the past month and it will be 7 years in XX/XX/2019 that I've filed. They are causing my score to drop by 26 points at a time by adding one comment about the bankrupt. I understand I filed bankrupt on them 7 years ago but they are doing more damage to my credit report today than actually filing the bankrupt. It has been an ongoing battle for 5 months with them adding and removing comments. I call XXXX and do a dispute they remove the comments then the following month they are back on there, How can I build my credit when every other month this same company is knocking it down by at least 26 points. I have called XXXX and done disputes, filed several disputes on line and I can not seem to get it corrected.
Sometime in late  XXXX  of   XXXX   I received a call from  XXXX   XXXX  wit h Niagara Restitution Service loc ated in  XXXX , NY.  XXXX  stated that  XXXX  had referred my unpaid loan t o Niagara Restitution fo r collection and that  XXXX  wished to press criminal charges against me if I did not repay the loan.  XXXX  told me tha t Niagara Restitution  would proceed with filing charges in  XXXX   XXXX   XXXX   XXXX  if I did not not pay immediately. I was terrified so I agreed to make payments of {$160.00} every  two week s until paid off. At the time, I did not know that I could not be prosecuted for an unpaid loan. After doing some research, however, I discovered that the Fair Debt Collection Practices Act does not allow de bt collectors to threaten ar rest for unpaid debts. Also t he State  of  Louisiana does not allow prosecution for unpaid loans. After learning this, I stopped my payments to Niagara Restitution. I struggled to pay this debt for almost four months becau se I have an elderly parent to care for. If I was in jail I would not have the means to bond out and my elderly father would have no one to care for him.
On XXXX XXXX I initiated a {$500.00} payment from my XXXX XXXX checking account to pay a Citibank credit card on behalf of my wife. I admittedly made an error by sending the funds to the wrong account by mistake. Once I realized the error I contacted both organizations. Neither of which have been able to assist in retrieving my {$500.00} payment. Upon contacting Citi 's customer service which we have done several times, they continue to say the account does not exist. We offered to send old statements with the account number and the XXXX XXXX confirmation showing that the funds were paid to Citi. They say they can not accept any faxes or emails. We are now at the point of feeling helpless because they continue to say the account is not on record. We are requesting the help of the CFPB to have Citi to research and credit our {$500.00} payment back to my XXXX XXXX checking account.
I have been going back and forth with this Credit Agency in regards to this Bankruptcy that is being reported on my credit as " Verified As Accurate '' On XXXX XXXX I personally contacted the bankruptcy court myself and spoke with XXXX who is the XXXX XXXX XXXX at XXXX XXXX est. She made it 100 % clear to me that they do not report anything to the credit Bureau and nothing is on file with them Confirming anything with the credit reporting Agencies. XXXX then stated that they do not report anything to Experian, XXXX nor XXXX! Please Take it Upon yourself and contact them at XXXX. The number that Experian provided to me to contact the Bankruptcy court was also incorrect. I am tired of being lied to stating that the information was verified as accurate when it IS NOT. I want this Removed IIMMEDIATELY because you are not verifying this information with the DIRECT CREDITOR!
I bought some pens and when I paid my check bounced. I have asked repeatedly for the original check back ( my bank does not have it ) as I do not want to pay again and have the first check deposited again. These requests have been in writing. The pen company sent my bill to McCarthy , Burgess & Wolff , Inc. Ref # : XXXX. I sent them the attached email telling them not to call me. They just called from a blocked number. I told them I sent them a notice to not call me and she said she did not get it. It was received and they replied to the email, I have attached both. I offered to return the unused portion of the pens for a full refund which I will be happy to do.
It was awhile ago i believe XX/XX/XXXX, XX/XX/XXXX, or XX/XX/2018 that i sent microbilt a letter stating i wished to have my consumer credit report frozen with them. I never received a report or letter stating it was frozen. Please freeze consumer report and or send me validation that it is frozen with your bureau.
Shortly after purchasing my first home I received a letter from a company by the name of XXXX. This letter, a copy of which is attached to this complaint, claimed that I was " paying too much on my mortgage '', claimed I could save up to {$100000.00} in interest, claimed to provide a " simple, logical '' payment option for my new mortgage loan, and stated it was a limited time special offer. However, the letter did not list any payment processing fees or enrollment fees. I called XXXX XXXX on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$1.00} - {$2.00} processing fee for every payment ( XXXX payments x {$1.00} = {$45.00} minimum per year ) as well as a " startup charge '' between {$190.00} - {$490.00} After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative advised me it " should be an option provided '' by my servicer but seemed to dissuade me from doing so. I believe XXXX has misrepresented the interest savings I could achieve through their program, has mislead me about the cost of the program, and offered me a deceptive program in which I in no way requested materials on. The same interest savings can easily be achieved on my own, and involving them in my mortgage payment process would actually make it more complicated and illogical.
I 'm paying a 29.9 interest rate on my vehicle. In other words, I 've paid XXXX towards it and the amount I owe has only gone down by XXXX. They refuse to give me documents on any of this since I 've looked into an attorney. This is in North Carolina where North Carolina interest rate laws set the maximum rate at 8 percent. My loan is through Santander consumer USA.
There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX  # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.
I placed a order on " XXXX '' onXX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
My loans with Navient total XXXX I was able to pay them at first but then they kept raising my payment which put me in a situation were I was always having to ask for a forbearance not knowing that this is the reason why my payments kept going up. I get harassing calls from them about my loans and when I do speak with them about the forbearance they say that they are going to send me information but I never get it. They take mine and my husband state income tax every year if we do get something back from the state which then hinders our household. Please help me
Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX County. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with Ace Cash Express. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.
I would like to know the reason why Experian declined my request to remove an item that was inaccurately placed on my credit report. An apartment management company sent my final move out statement to a collection agency and the collection agency reported the account as delinquent to all the CRA 's before I was aware of any amount due. In essence the collection agency dinged my credit report before I received any notice of an amount due from the original creditor. Not to mention that the original creditor failed to properly apply all my credits and payments and thus reported inaccurate information to the collection agency. According to my accounting I had no money due to the apartment complex and I should be receiving a return of my deposit.I received, from the original creditor, a move out statement in the mail on XXXX XXXX, 2012, the envelope had a date stamp of XXXX XXXX, 2012. The Move Out Statement states that I have 15 days to respond or my account may be forwarded to a collection agency. I responded to the original creditor the day I received the move out statement. On XXXX XXXX, 2012 the collection agency had already reported my account as delinquent to the CRA 's, please note that the collection agency reported on XXXX XXXX, 2012 that they had properly notified me of a delinquent account and that they have, in good faith, verified the accuracy of a delinquent account. Yet the collection agency did not generate an " initial letter '' of a reported delinquent account to me until XXXX XXXX, 2012, and according to the date stamp on the envelope they did n't mail it until XXXX XXXX, 2012. It is blatantly clear that this whole scenario is a violation of my right to Fair Credit Reporting Practices. In my dispute to Experian I clearly stated that, if not in federal law, in California state law, where I reside, there are credit reporting accuracy laws that have been violated. This item should have never been reported to the CRA 's. I can not fathom why such a clear violation of my rights has been shoved aside. I would like Experian to give my a legal explanation of why this item will continue on my credit report.
Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX systems. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with Equifax and by phone with XXXX with a rep named XXXX
Trying to collect an XXXX phone bill that I never had. I went through this a year ago with another debt collector. This charge had been attached to my credit report but was expunged by XXXX. I do not want to go through this again.
Approximately a year ago my personal information was stolen from a supposedly secure data base of the Eqifax credit reporting agency. Apparently 90 % of clienteles information was stolen from hackers unknown. Because of this information in someone else 's hands they were able to take out loans which they didn't pay back, buy things from credit cards applied for in my name, and drop my credit score from good too poor in a matter of days. At that time I was in the final steps of purchasing a home when a final check of my current credit score revealed a much lower score then when the loan application was first started period because of Equifax giving all my information out to Crooks unknown I'm in financial ruin I lost buying a house and as a result am homeless and struggling to make ends meet. This is going on all because Equifax did not secure their clienteles data. They are totally at fault 4 so many troubled days and nights not only on my part but thousands of other people 's credit gone into the gutter. Something needs to be done and all victims compensated.