WillisBack/dataset-financial-user-claim huggingface dataset:
I just filed two complaints with this bureau about Serve. The original charges I have tried to get disputed and could not, I am in the process of trying again. AND ONCE AGAIN, I AM BEING SHAFTED AND REFUSED THE RIGHT TO DISPUTE FRAUDULENT CHARGES!!! THE PEOPLE WHO HAVE REFUSED ARE : XXXX, XXXX, XXXX, XXXX, AND XXXX, WHO ARE GIVING ME THE SAME XXXX ABOUT AS REP 'S THEY DO N'T DO THAT. XXXX even connected me to the Account Protection, WHICH WAS CLOSED!!!!!!!! I 'M SICK OF THIS!!! I wa n't these amounts put into dispute : XXXX/XXXX/2015 : J. Department, {$10.00} ; XXXX/XXXX/2015 : XXXX, {$4.00} ; XXXX/XXXX/2015 : XXXX XXXX, XXXX ; XXXX/XXXX/2015 : XXXX XXXX, {$11.00} & XXXX. They 're giving me all kinds of lies. A couple of weeks ago, I was successful at getting something put into dispute. Now, suddenly, this policy does not apply and I need to speak to account protection. This is GARBAGE AND THEY KNOW IT!!
I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.
Home is in foreclosure with PNC. I challenged whether or not PNC had my actual loan. I received, unsolicited, a letter stating " Based on a review of the information you provided, you have been approved for a conditional Trial Period Plan. '' I never applied for a plan and did not sign off on any plan. PNC 's attorney ( XXXX XXXX ) thinks I did but has not provided documentation despite repeated requests. I think this is a XXXX to XXXX homeowners into waiving rights.
The financial institution Bank Of America has repeatedly tried to charge " minimum interest fees '' om my credit accounts AFTER the balance has been paid IN FULL and is XXXX. Criminal greed which WILL NOT BE TOLERATED.
I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized DEBT RECOVERY SOLUTIONS , LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX and was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to DEBT RECOVERY SOLUTIONS , LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 

Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Hi- I signed up for a Capital One card lastXX/XX/XXXXon a 0 % for 12 month rate. 12 months has passed, my credit score is XXXX ( pretty good ) and they are charging me 23.99 % interest. I called about it and was given a bunch of mumbo-jumbo
I am not the debtor my son is. But Ive received multiple calls asking me to give him a message. Ive requested that they take me off the list of reference and not call me again but received a call today XX/XX/19. My son said they havent even contacted him.
In 2016 I contacted XXXX XXXX listed as XXXX XXXX to assist me in opening a small business.We had a number of issues and I was charged for services I did n't receive. I left XXXX XXXX and they have apparently hired XXXX XXXX XXXX a collection company to collect funding from me. They have also added this account to a collections acct on my Equifax credit report. I can not dispute this because no one will give no the account number which shows up as XXXX. So I can not dispute this without a number no one can give me and they are trashing my credit after they have done bad business with me.
Made a deposit at a Chase ATM in XXXX AZ on XX/XX/2017. It instructs you to put cash and checks in all together. I did this. {$440.00} in cash and a check for {$500.00} dollars. the screen showed one item not accepted. When the transaction was completed it did not return the check and there was no notation of the check on the receipt. Immediately called Chase. They filed a report, and issued a credit to my account. It is now 13 days and this issue has not been resolved. I have called the number provided twice in the last three ( 3 ) days, same answer, not information available. How is it that a ATM machine can have this type of malfunction and they do not take immediate action. Also told they have no direct contact with whoever is " investigating this. This is a major issue with Chase 's brand new design ATMs.
my first loan was Indy/mac XXXX. Then it went to XXXX XXXX which was a loan modification company. Then it was transferred to XXXX another loan modification company. I was paying XXXX dollars a month. In XXXX XXXX I had XXXX XXXX XXXX and had to stop work for nine months but I was making my XXXX dollar payments to nationwide. In XX/XX/XXXX IndyMac /XXXX sent a letter stating I was to pay XXXX in three payments for taxes on the property which I paid and then gave them another XXXX check toward the past-due loan which came my father 's estate upon his death. Then in XXXX I had XXXX from XXXX and was out of work. I then retired XX/XX/XXXX. I was still paying the loan modification company. During this time my wife left and now I 'm divorced. I am also dealing with the VA over the XXXX XXXX that prompted the XXXX XXXX. Next thing I knew I was dealing with OCWEN which is the bank that IndyMac/XXXX transferred my original loan to OCWEN had sent me loan modification papers that required filled out over and over again .One major thing they messed up on was the property address which was different from mailing address. There are XXXX XXXX XXXX XXXX. XXXX is XXXX XXXX and XXXX XXXX which was in the low income area. They continually used the XXXX XXXX as the property address. They had pictures of the wrong house. This went on for months. It seemed like they were stalling toward resolution. When they finally came to a resolution, they wanted me to pay {$280000.00} the loan # XXXX. The amount left on loan before all this started was {$180000.00}. I have been trying to settle this and it has dragged out 24 months. I 'm now dealing with XXXX XXXX Cause I filed a complaint against XXXX for Quiet Title I am the Plaintiff in XXXX County Supreme court index # XXXX well Eyes were raised and OCWEN still wo n't deal I offered to a loan Mod of XXXX at 2 % for 30 years I have not heard maybe you can shake them up cause I do n't get answered. XXXX as far as me, I am A XXXX vet with XXXX and they messed up my credit and I 'm not stopping till OCWEN is stopped the house is worth XXXX and I 've got XXXX in pension money before I retired. I stating this is all true against OCWEN and XXXX
Good evening. I am not happy with Equifax. I have disputed numerous of items to include inquires and I am having difficulties getting answers from Equifax. It has been more than 30 days and I have not heard anything. There website is not wotking and has not been working for quite some time. I spoke with someone whom stated that there system is down and has been for quite some time because the system is updating. It is a hassle to deal with them while there system is down. I have not been notified of any statuses on any of my disputes. I want all items disputed to be deleted. You can not trust Equifax 's records are accurate with all mishaps and breach issues. I have attempted to check status of my own disputes and keep getting an error.
XXXX  / Transunion / XXXX / XXXX  I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information ) respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application. 

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.
Due to the XXXX of my father I had to take a couple of months off to be next to him. The only resort I had at that time is to take a car title loan from 5 star Loan in XXXX, CA. I keep prepaying larger amounts than my interest but my payoff amount is been stagnant. I have been suffering to pay off that loan and have reached out to them by email and phone numerous times because I do not think my larger prepayments are being honored correctly and this is why I have been stuck. Their calculations seem pretty confusion and their explanations are very vague and I suspect that I am being scammed. I Have already Paid {$6300.00} on a {$4100.00} loan and my payoff amount is still around {$3100.00}. I have emailed them specifics about my where I suspect discrepancies but they do not want to reply by mail and want me to call. I have called before and was lost in their explanations.
On XXXX XXXX, 2015, I was overcharged for a vehicle that I purchased from XXXX in XXXX, IL. The retail order invoice from the dealer indicates that the dealer charged me {$20000.00} as the base price of the car ( before additional services were added ). This contradicts ( a ) the price of {$18000.00} that appeared on the sticker of the car at the time of purchase, ( b ) the price of {$18000.00} which the dealer verbally described to me, and ( c ) the {$18000.00} MSRP of the exact vehicle as previously listed on a website linked to the dealer. Documentation is submitted with this complaint in the form of a cache of a web page linked to the dealer where the exact VIN of the vehicle in question has an MSRP listed at {$18000.00}. 

I received a loan for this purchase through Bank of the West. 

There may be additional problems with the sale. On the retail order invoice, the dealer claims to have given me {$890.00} in rebates ; however, on the invoice itself, these rebates do not appear to have been actually factored in. The dealer told me recently that a " military discount '' that I was promised would now be revoked since I refinanced the vehicle through a different lender ( XXXX XXXX ). 

Additionally, the dealer added services on the vehicle which I do not remember requesting. In question is a charge of {$2100.00} appears on the invoice for a service called " XXXX '' Additionally, I do not recall agreeing to " XXXX XXXX '' for {$390.00}. 

The dealer is refusing to reimburse me for any of the disputed charges. In fact, when I made a visit to the dealer in early XXXX 2015 to express my concerns, the lead sales representative there told me " This is how we do business in America, '' in obvious reference to my accent ; I am a native of XXXX. I was also contacted by a sales representative who apologized about the mistaken price of the car but did not offer to reimburse me. 

I visited with a XXXX legal assistance office on XXXX XXXX. The XXXX legal assistance office contacted the dealer twice in an attempt to resolve the issue. On both occasions, the dealer sounded defensive. The dealer has promised that a " corporate lawyer '' or " XXXX '' would contact office of XXXX legal assistance. To date, neither the XXXX or any lawyers have contacted XXXX legal assistance.
I payed off half of my credit card bill with the promise that the next payment would automatically be taken out the next month ( XX/XX/2018 ) I canceled the card at that point. For whatever reason, the debt collector did not take my automatic second payment which we agreed upon and now I owe a past due amount of {$130.00} in total. I do not want to do this because it was an error on their end. The collection agencies for XXXX XXXX are relentless and they call me all day and all night from random numbers, including XXXX area codes and no name numbers. I spoke with XXXX XXXX about this as well and they were no help whatsoever. I only used this card one time and canceled it with the acknowledgment that the second and last payment was going to be taken out of my bank account in XX/XX/2018 and this is still happening, ruining my credit score and accumulating interest.
M & T Bank excessive delay with loan modification agreement documents not being recorded though the bank says they have. Its been 4 month now since modification has been signed, approved and notarized. M & T Bank says paperwork was sent for recording on XXXX XXXX but the recording office still says nothing has been recorded as of XXXX XXXX, 2015. Loan number XXXX, mod signed XXXX 2015
RE : Bank of the West loan # XXXX  For the last fifteen years or 180 plus monthly payments I have had an RV loan from Bank of the West.

I have made the 180 payments in good faith and the loan is now paid off.

But still Bank of the west has done great harm to my credit.

The situation is entirely their fault and I am seeking a remedy.

In XX/XX/2018 my RV loan with Bank of the West matured. I was sent a notice stating such.

The notice simply stated that the loan had matured and offered no other details. I was a bit confused because I still had payment coupons left in my payment book. I called the XXXX number for customer assistance to clarify the situation and get a payoff amount. I was told by the agent that the payoff amount was just over 4000 dollars. I was also advised by the Bank of the West agent that I could simply continue making the standard monthly payment and that would bring down the principal balance to a point where it was palatable to payoff. No mention of credit bureau reporting was made. So I continued to make the standard monthly payment.

I also continued to receive notices that payment had been received.

I thought everything was fine and planned to payoff the loan once the payoff amount was down to XXXX dollars.

In XX/XX/XXXX I received a notice from Bank of the West that the bank was about to report a charge off ( default ) to the credit bureaus. I immediately called to get the payoff amount and make the final payment.

The loan is now paid in full but Bank of the West has nearly destroyed my credit. They have reported my loan to the bureaus as 60 and 90 days late, this was NEVER indicated to me in either verbal or written communications.

At this point Bank of the West has all of their money and interest, I have the RV, but my credit is ruined.

Nor have I been given an explanation of why after 180 payments there was still a XXXX dollar balance.

I think the best way of resolving this issue is for Bank of the West to remove the derogatory credit items from the credit bureaus and restore my credit score. I would also like a detailed accounting of why the payoff amount was so high.
My family recently sold our house. The title company wired the exact payoff amount to OCWEN loan servicing LLC on XXXX XXXX. On XXXX XXXX, OCWEN pulled a monthly mortgage payment out of our checking account. When we contacted OCWEN they claimed never to have received the payoff amount even though I had the exact XXXX number with proof the payoff was received by their financial institution. They are now claiming they will look into the payoff and may look into crediting our account within 48-72 hours. Again I have proof they have the payoff funds and that the funds cleared - they are sitting on money and earning interest on that money by wrongfully not crediting us for payments - this should be illegal and something the CFPB should be stopping.
Portfolio Recovery Associates is listing 2 separate accounts as in an open status. They are both from the same creditor XXXXXXXX XXXX. They are both paid collections and should be listed as a closed status.
On XXXX XXXX I sent {$500.00} to my Dad in XXXX, Transaction ID XXXX using trans fats online services, because this is not this first time, I use trans fats to send money to my parents, the money was supposed to be release on XXXX XXXX in the afternoon, my dad got to the back and the money was not in his account, called trans fats, they verify the information with me and they said the money will available for pick in another hours, on the XXXX, I told my dad to go to bank and collect the still not in his account, called trans fats again, asked to verify the account for me, Trans fats customer services agent gave me a different account number,XXXX which on another person 's name, then I told them right, account number supposed to be XXXX on the name of XXXX XXXX XXXX , and his phone number XXXX, and I told the trans fats the last XXXX digit of account is incorrect, please correct the account number and release the fund to my parents, they told me, they will try to contact transact partner in XXXX to make the correction or they will cancelled it and refund my money back to me, for good I keep calling back and forth for them to give me and update, if the correction was made, no email, no phone call, then I went to their office on Friday XXXX XXXX, the Agent to me the money has paid into someone 's else account, which is XXXX XXXX XXXXand she came in to cash the money, they said the XXXX , have been calling the wrong recipient she did not pick up their call, I want XXXX to that trans fats website they are affiliated with ERROR RESOLUTION DEPARTMENT, which I have also filled for complained before I went there on Friday, Trans fats is responsible for my refund, because they 're the one doing business with XXXX , it is not possible for your to release money to some that has different name from my dad, different account number, different phone number, different area location, am a single mother with XXXX kids, I struggled to get that money to my parents and I want refund back from trans fats, I told them to correct the account number or refund my money, they did not and release the money until this another person went to the bank to withdraw the money from her account I want trans fats to know, it is their responsibilities to refund my money, because they are the one doing business with unreliable, and untrusted bank, also I informed them of the mistake, before they release the money to the person I want my refund bank, according to the report the trans fats agent send to my email, the person already withdraw the money for her account and bank can not get hold her, please tell trans fats to refund my, without the transaction ID XXXX, no one can collect the money and also valid name, please help me to get my refund from transfast, because i asked, how is it possible someone ; s get the money, without confirming sender ; s name and location where the money, how is that possible, i want my refund from transfast, you can call me my job number at XXXX, or my house number XXXX, because my cellphone with XXXX is not active because i want to my cellphone.