WillisBack/dataset-financial-user-claim huggingface dataset:
i keep getting calls to my number [ i got this number from my dad on XXXX/XXXX/15 and used to belong to my aunt ] and i have gotten at least XXXX calls from them in 2 weeks and have asked them 4 times to remove my number and once should be enough, and now they are refusing to remove my number
We moved and forwarded our mail, AND WE CHANGED THE ADDRESS ONLINE. ALSO we paid off our card in the Fall. We made one new charge during this time and THEY STILL MAILED IT TO THE WRONG ADDRESS AND NEVER BOTHERED TO SEND AN EMAIL, CALL OR WRITE TO LET US KNOW WE HAD A LATE FEE, INSTEAD CONTINUED TO CHARGE US. We signed up for alerts and didn't get them. ALSO WE SIGNED UP FOR AUTO PAYMENTS AND THAT DROPPED OFF THE MAP, NO FAULT OF OUR OWN, YET THEY ARE REFUSING TO REVERSE THE NEGATIVE ( 1 MONTH LATE ON OUR CREDIT REPORT!!!! )
After sending Transunion several letters of complaints regarding the following inquiries 1.XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX  XXXX-XX/XX/XXXX 7.XXXX XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX   XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX-XX/XX/XXXX14.XXXX-XX/XX/XXXX that they are reporting on my credit report.the last letter I sent was certified. they are reporting not yet proven compliant information. Transunion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.
Last fall, XX/XX/XXXX, I was contacted by Cedar Financial agency about a debt for the office of XXXX XXXX XXXX  for {$800.00}. This was for a debt incurred circa XX/XX/XXXX-XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. But XXXX XXXX 's office located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX claimed the debt was from XX/XX/XXXX ... they created an " new '' invoice for the old debt from XX/XX/XXXX/XX/XX/XXXX dated XX/XX/XXXX. I have not been to his office since XX/XX/XXXX. 

Per their invoice, this is for XXXX storage annual fee. However, when they tried to collect this debt from me during my bankruptcy in XX/XX/XXXX, I told them to destroy it, that I was no longer interested in the storage service. Yet, somehow, suddenly in XX/XX/XXXX, the storage has been " resumed '' even though it had not been charged, nor billed since XX/XX/XXXX. 

XXXX XXXX 's office is lying about the date of the invoice and the credit collection agency has not properly validated the debt with some proof of service with my signature ( which obviously does not exist since I haven't been there since XX/XX/XXXX ). 

Further, it states specifically on the invoice ( attached ) that per our contract, if they had not heard from me within 90 days, the contract states that the XXXX would be destroyed. I had not been to their office since XX/XX/XXXX, nor paid any bill, so per the contract, they would have had to destroy the XXXX in XX/XX/XXXX. 

I contacted Cedar Financial at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and informed them of the above. I did not hear from them again. Now, I just checked my credit as I'm about apply for a home refinance and there is a collection on it. I spoke with them on multiple occasions last fall requesting proof of service on the invoice date. They did not ( could not because it did not happen ) provide it, yet placed my account for collection anyway. 

I have disputed this with the credit bureaus, XXXX & XXXX, but have not received a response yet.
Barclaycard XXXX-Made a purchase with deferred interest 2 years ago. Made other purchase on the card also. Always paid above the minimum payment due. Barclaycard chose to apply any amount they want toward the deferred interest or non at all, Now 2 years later having paid them over {$5000.00} on the card they added {$730.00} in interest because of all the above minimum I paid only {$300.00} went toward the deferred interest. There statement does no specify how the payment above the minimum payment is allocated. I believe the amount of interest accumulating and the amount of my payment going toward the deferred purchase should be clearly stated on the statement. I believe this disceptive practice rises to the level of consumer fraud.
I disputed paid released tax liens that were ony credit report and they were removed. A copy of an updated credit report was sent to me. I went on the Credit Bureau 's website to check my credit score and saw that the items were put back on. When I spoke with a customer representative he advised me that it was never removed and would be on there for 7-10 years. I told him I had a copy of my credit report with the items deleted and was told I did n't and it was never removed. He then continue repeating that it would be on there for 6-10 years before being deleted.
XXXX confiscated my Federal Income Tax Return for XXXX and XXXX, with no XXXX-day notification of said action. In addition, XXXX began garnishing my wages as of XXXX XXXX, again with no XXXX day notice of said action or notification of my rights to prevent such measures, as spelled out in the Consumer Protection laws, Administrative Wage Garnishment laws and the FDCPA, etc.. In addition, I had previously mailed XXXX a debt-validation request letter and then a follow-up letter informing them that " they are attempting to collect on a Zombie Debt. '' The latter mentioned letter was entirely ignored, as they began garnishing my wages in the same month the letter was mailed. I have since sent XXXX a " cease and desist letter, '' informing them that they are violating the consumer protection laws and are unlawfully garnishing my wages, which must stop immediately and let proper procedure follow. It has now been XXXX days since they received this letter and I have received no response, and my paychecks are continually garnished, UNLAWFULLY.
I have written several letters to XXXX, XXXX and TransUnion about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
I submitted a request to consolidate my XXXX credit cards and lines and Chase is unwilling to combine my credit lines. There is no reason why they ca n't do it.
I have a loan with Springleaf Financial services through the XXXX Ohio Branch.. I have had financial difficulty for a few months and have not been able to pay my agreed payment in a timely matter. The branch manager called me at work XX/XX/XXXX I believe. I work for a collection agency and all of our phones are on a recorded line. I ask him to not call me at work do to the recorded line and told him I would call him back. He continued to discuss my default on this call, I hung up on him. When I got off work I called him, I explained to him about the recorded lines and that all collection agencies have them. He said " that 's not true my lines are n't recorded and I am calling to collect on your loan '' and giggled. I again ask him not to call me at work. He said ok and thanked me for scheduling a payment. On XX/XX/2016 he ( XXXX ) called my work again and left a message with a co- worker to have me call him. I should not have received another call at my work number after telling him XX/XX/XXXX not to call me at work..
Debt collectors have repeated called myself, my fiance and my grandmother looking for a family member whos address and phone number they have for a debt that is not mine or ours. when asking what the issue is in regards to or where they are calling from they hang up.
The company has reported 1 single debt in the amount of {$48.00} to all three credit bureaus as a NEW debt collection account under new account numbers on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when in fact there is only 1 single account for a medical debt that actually was paid in full by a financial assistance program. By reporting this single account to the credit bureaus as a new debt multiple times rather than as a single account that is outstanding over a longer period of time, it is causing a greater amount of damage to my credit rating. I have spoken to the three credit bureaus and they have referred me back to XXXX XXXX XXXX, stating that the collection agency has to be the group that fixes this mistake. XXXX however refuses to fix this matter and refers me back to teh credit bureaus.
Ally Bank freezes my account on XX/XX/XXXX and they ask me to email them my identity document to their email address at XXXX. Then I emailed them my XXXX passport, my US driver license, and my utility bill. Three days later, they told me they could not verify my identity and they had to close my account. That decision is fine for me so I ask them to return the funds in my account which is more than {$24000.00}. But they told me they need some time to investigate my account. After they confirm all funds are legal, they would close my account and return the funds by check. 

Now, it is XX/XX/XXXX more than one month later. I still did not receive any check. I called them this afternoon, and the customer service said since they still could not verify my identity, so they would not return the funds!!! They would keep them because they thought I was not who I am!!! That is just totally ridiculous! I just need them to mail a check to the address on file. I do not know why they refused. I opened the account with that address, received the check book and debit card with that same address. They never doubt that address is not belonged to me. Now when I ask them to return a check to the same address, they think I am illegal. They doubt I am not myself. The address is on my credit file and the file related to my driver license. All the documents I provided are totally legal and real! 

When I open the account, they never doubt my identity. When they mailed me the materials including the checkbook and debit card, they never doubt my identity. After there were money in the account, they began to doubt my identity. At first, I trust them completely and provide all documents they required. I did everything I could, but right now, it seems they were cheating. I doubt this bank was using customer 's money to do their business. They extend the period for any refunds so that they could use our money longer. That is totally unacceptable!
I pulled my credit report and found a few inaccuracies as a result I contacted the FTC and followed their direction with regard to resolving the matter. Nonetheless I was a victim of FRAUD and I made a police report and other necessary filings. However, this company continues to try and collect on a FRAUDULENT account. I was advised to file with your establishment before contacting the FCC and others.
XXXX XXXX XXXX XXXXView All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage 227 % Balance {$3600.00} Balance Updated XX/XX/XXXX Credit Limit {$1600.00} Monthly Payment {$130.00} Past Due Amount {$200.00} Highest Balance {$3600.00} Terms Revolving Responsibility Individual Your Statement - Comments Subscriber reports dispute resolved - consumer disagrees MULTIPLE CHARGES WERE MADE TO THIS CREDIT ACCOUNT WHICH WAS THE RESULT OF IDENTITY THEFT. CREDIT ISSUER CLOSED ACCOUNT WITHOUT NOTICE TO CONSUMER, AND REFUSES TO CLEAR CHARGES OFF OF ACCOUNT. CONSUMER DISPUTES ALL EXISTING AND FUTURE DEBT OWED TO CREDITOR.
A XXXX XXXX XXXX XXXX XXXX XXXX was closed on XX/XX/2017. This card had a maximum line of {$500.00} and was closed " due to delinquency of payment ''. The statements were, in the months before closure, being mailed to my daughter 's address in Utah, where she had moved to attend school. While there she became XXXX and admitted for an extended period of time. Because of this unfortunate event, the statements apparently went unheeded as she lived alone. As the statements were being sent to a different address than mine ( in the XXXX area ), I was unaware of the issue. 

After a period of non-payment, I was finally notified of the delinquency by a member of the XXXX XXXX 's Collection team, whereupon I IMMEDIATELY visited our local branch in XXXX, IL and discussed this with my personal banker. He and I then contacted the XXXX XXXX credit card department and discovered that the card was in fact closed with an outstanding balance including late fees coming to a total of {$480.00}. I IMMEDIATELY authorized a payment over the phone to satisfy the outstanding balance and all fees. As a co-signee I feel the bank had an obligation to let ME know the account was overdo BEFORE the card was closed and before this situation was reported. 

As a result of this situation my credit rating has gone from close to XXXX down to the low XXXX 's and I feel that I should not be so penalized. Expediency in this matter is important because I am currently in the process of attempting to procure pre-approval for a new home mortgage.
I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha XXXX filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX
CRA violation no knowledge of the fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX
On XX/XX/2018 I noticed series of transactions, had taken place starting at XXXX {$200.00} was withdrawn from my account as well as two more additional withdrawals of $ 202.25and a final withdrawal of $ XXXXadding up to a total of {$760.00}. These charges were not authorized. I do not live in XXXX texas and rarely even go on that side of town. Plus it would be impossible for me to be on that side of town in such a short amount of time considering I had just made a purchase at XXXX at a local tobacco store ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX tx XXXX ) - the unauthorized atm withdrawals took place at XXXX XXXX XXXX XXXX. XXXX   tx which is XXXX miles away from the location I had just left ( XXXX XXXX XXXX XXXX ) and the first withdrawal took place at XXXX, this would be impossible considering it takes a little over XXXX minutes to get to XXXX from that location. Additionally I would never withdraw all of my funds on any occasion, considering I usually pay my bills electronically, my mothly statements should reflect that as well. 

This issue has cost me my job, my car and pretty soon my cell phone, my life is in utter turmoil at this point. I cant afford medication that i need to sustain life considering I have XXXX XXXX XXXX XXXX   XXXX that requires maintenance medication. Netspend agreed to send a denial email explaining why I was denied but the denial email has no details as to why I was denied. I was also promised a call back from the claims department within XXXX to XXXX hours and I have still not recieved that call, even though I call netspend everyday in regards to this issue. The claims department is literally ignoring me and I'm all out of options.
I am requesting the removal of a bankruptcy on my Transunion credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
On account ending in # XXXX and # XXXX I had unauthorized drafts taken out of my accounts. Bank of America closed these accounts and gave provisional credits. 

I then made a deposit to my new account ending in # XXXX and # XXXX that was from someone who ultimately scammed me for {$800.00}. 

I have had {$530.00} in account # XXXX and {$98.00} in account # XXXX that has been withheld from me since XX/XX/XXXX with promises that I could go get my funds in the branch. 

I have spent a minimum of 23 hours on the phone with Bank of America and have made 4 trips into the branch. 

I no longer want to do business with a bank that doesn't have my best interest. 

Accounts affected : Ending in # XXXX balance {$530.00} # XXXX balance {$98.00} Claim accounts ending in # XXXX # XXXX
My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX )
Everbank failed to contact me when I had an existing military fraud alert on my personal information. They opened a bank account with my personal information under different contact information. I am trying to close this fraudulent bank account. 

I only found out about it through my own ID protection subscription service notification. I only opened this service after the OPM data breach that happened a few years ago and there were concerns of this information being sold.
I disputed the reporting of Chase Auto Finance reporting a $ 16000+ outstanding balance. This account was included in bankruptcy and NOT reaffirmed. I submitted a copy of the US Bankruptcy Court 's denial of reaffirmation multiple times to XXXX, XXXX, XXXX and Chase Auto Finance and it was not corrected. In fact, they started reporting past due payments which caused my credit score to plunge and hindered my ability to find housing.
HORRIBLE EXPERIENCE and CUSTOMER SERVICE.
The application process started the first week of XXXX ( Application Number XXXX. ) with XXXX XXXX.
I was upfront with him about this HELOC being on my 2nd home and we even discussed the situation in detail. I offered to send in my entire tax returns and even explained to him I had a business although ALL of my income was via XXXX from my employer ( not my business ). He assured me we did n't need it and was specific in what was requested. After weeks had gone by, he came back and said they actually needed the rest of the return, which I provided. I asked him why and he flat out lied. This is all documented.
But I sent it anyway. Then after another few weeks, he came back and said the HELOC request was for a 2nd home and that the approval was under the assumption it was for our primary home. I then got upset because we had discussed it in detail.
He then turned me over to XXXX XXXX. She apologized profusely but said nothing could be done about it and it had to go back to underwriting after I wrote explanation letters, sent more current proof of income, etc. In the mean time, we have many email exchanges, phone calls, etc.
They came back a few weeks later and said it was DECLINED based on credit. I escalated it to XXXX XXXX at the executive offices and he/they did absolutely nothing other than tell me the same bogus reasons the other dept did.
I 've NEVER had a late payment, BK, tax lien, short sale, repossession, foreclosure, etc. Credit is PERFECT and always has been. She then said it was due to debt to income ratio and credit card debt. I explained AGAIN that the entire reason for getting the HELOC was based on the advice of WELLS FARGO THEMSELVES. They asked me to payoff my primary loan ( which I did ) and advised getting a HELOC to payoff revolving debt since the loan request was less than 50 % LTV on my home.
she then said the debt to income ratio was insufficient. It was based on $ XXXX /year income and I made over $ XXXX XXXX income in XXXX  and XXXX. This was based on my YTD paystub which is not reflective of my year end income since i 'm in a commission business with 75 % of the income happening from XXXX to XXXX  of the calendar year. This was ALSO explained upfront. Yet, that is what they are using and they say my DTI is too high.
I 've been a 20 year + customer of the bank, perfect credit, $ 200k+ per year income, only one mortgage on my credit report, no car loans, boats, motorcycles, etc. I 've taken on NO new debt in years basically. I even paid off my primary mortgage WITH WF in order to more easily qualify.
This experience has been HORRENDOUS. The incompetence and arrogance I 've experienced has been mind-boggling. I 've been LIED TO repeatedly. The underwriting guidelines are being unfairly used against me since they ignore my last several years XXXX income. The advice GIVEN TO ME BY W.F. was obviously bad advice which has put me in a bad financial position. UNFAIR, UNJUST, and FRAUDULENT business practices.
Received letter from XXXX XXXX offering an amount to settle account. The letter states your account will be considered " Settled in Full '' Once I paid the debt my credit report updated to " Settled - less than full balance ''. I believe that is very deceptive and misleading. It appears as if your debt will be considered settled in full however it is stating you settled for less. This was never stated in the letter or phone call.
My name is XXXX XXXX XXXX, I have a VA loan that is serviced by loanDepot, XXXX. XXXX XXXX, XXXX, New Jersey XXXX. Customer Service telephone number : XXXX. 

When I purchased my home my wife was not on the loan. I would like to add her to the loan. 

On three ( 3 ) separate occasions, over the last 5 months I have called my lender, loanDepot, and have requested documentation from them so that I can add my wife to the loan. 

All three times I have been assured that I will be receiving the documents in the mail and it will take 5 to 7 days. 

I have yet to receive the documents. If they are sending them via the mail, it most certainly isn't to the address on the loan. 

I have called and the Customer Service Representative looks into the computer data base regarding my loan and finds no mention of my request or of the documents being sent. I have requested to speak to a Supervisor but none are ever available. 

My next step after this is to contact the VA regarding loanDepot 's lack of support for Veterans. 

I am curious as to the motive of loanDepot for not providing me the capability of accomplishing putting my wife on the loan.