WillisBack/dataset-financial-user-claim huggingface dataset:
TCS, Inc ( XXXX XXXX XXXX ) first contacted me at work in XXXX. I have requested i not receive calls by this " XXXX XXXX '' at work. A letter was sent to my work corporate office. Letter was given to my HR representative on XX/XX/XXXX with my SSN asking for employment verification, date of hire, hours per week work. She had not responded to their request and sent me the letter and asked for my permission to submit. I told her no. Since then she has been calling my cell phone numerous times, sometimes 2X in a row and work number often. Each time i verbally tell her do not call me at work. This has been going on for almost 2 years. On XX/XX/XXXX at XXXX she called in and I hung up. She called back and told my receptionist that she wants to speak with the office manager. Without knowing the subject of the call, she spoke with her and requested that my HR rep give her a call. This is illegal practice and goes against the protection act. i have reported to the XXXX about XXXX, but they have not responded back to them. Amount is for around {$3000.00} when i had my baby and my insurance wont pay because my Dr. used a Dr without a referral during the XXXX.
Flag star bank I feel that they took advantage of me. I am sure I was not the only XXXX. Ialmost lost my house because of them I am still suffering because of them. They lost my paperwork so many times I faxed them my paper work at least XXXX times I even mailed it to them. My house so on the steps of the court house my best friends boyfriend paid there attorney XXXX to get my house. OMG  I wish something could be done. If I had the money I would  I wanted to get the news crew involved. i tried to get anyone who would listen I wrote so many letters . no one really cares about us XXXX.  FLAGSTAR BANK OUT OF MI, CROOKS....
XXXX XXXX XXXX incorrectly reporting an auto loan that has been paid in full
I had a credit card account with  XXXX  which is    XXXX   XXXX    the problem is i was going to be late on a payment and called them to talk about the late fee they said it  could be waived the  one  time but they didnt and charged me for it and continued to charge me late fees on top of the original that just kept adding up each month. everytime I would call they said they understood and would fix the problem so i could get back to my mininum payments but each time i spoke with a different person and nothing was ever put in there system about any of these conversations so eventually the payment got to where i could not afford it thats when the phone calls started at all hours even at  XXXX . wanting there payments very rude each time and threatining i decided to to pay them at tax time and be done with it if they would remove the late fees and added interest charges and when i called to do so they said that at the time they could n't even process a payment so they didnt want to then they sold my account to calvary spv i llc which now is calling me at all hours wanting the full amount and will not discuss anything that  XXXX  had with me about a lower amount. i realize i owe this company money but not the amount they are trying to get and  at one time  they agreed now they are simply just harrassing me trying to intimidiate me.
Do not go through broadway finance if u do not want to be harassed! I told them I would come in Saturday and the Manager XXXX said it had to be paid today that she would meet us halfway she was screaming and saying we always lie and make excuses. They show up to my husbands job and tell him he has to pay! I have never dealt with a company like that before they usually just report you to the credit company if you do n't pay them, but not this company they harass u with calls and visits until u pay, she did not want to take my arrangement and we feel very harassed. We decided not to pay them because of the way she spoke to us and threatened us and said she would keep calling.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 90 to 120 days late in XX/XX/XXXX to XX/XX/XXXX.
The company ARA ( XXXX XXXX XXXX ) contacted me repeatedly and my parents repeatedly in a 2 day time period starting on XX/XX/XXXX. The first person to contact me was XXXX XXXX XXXX * XXXX. He left multiple messages on my phone and my parents phone. He claimed he was trying to collect a debt from XXXX from the year XX/XX/XXXX. He said that the last activity on the debt was XX/XX/XXXX and that because the bank put the debt on hold due to the government bailout and now he was coming back to collect the debt. I asked him if he could do that and he said yes and if I didnt pay he was going to report it to all three credit bureaus. I told him I filed chapter XXXX bankruptcy and he said that didnt matter and he was going to do whatever was necessary to collect the debt including garnishing my wages. He said since I have repaired my credit now that when he did report it to all three agencies it would ruin it again. I asked to speak with his supervisor and thats when he let me speak with XXXX XXXX. XXXX XXXX said the same things including ruining my credit, garnishing my wages, said he was happy to call my parents to see if they could pay the debt for me. He said a debt is a debt and they can come and collect at anytime until I die.
XXXX XXXX XXXX called my cell phone at XXXX this morning. They asked to speak with XXXX XXXX. I said this was she. She then asked to verify my mailing address. When I said I did not want to verify my personal information until I knew what the call was in regards to she said we are not a telemarketer and we are not trying to sell you anything. This is about personal information we will call back later and hung up. The call lasted 1 minute and 21seconds. 

I felt very uneasy since she would not tell me the purpose of the call and also did not leave me a toll free number to call back. I do not like the fact that someone has personal information about me and wo n't tell me what they need. 

I called them back at XXXX and asked to speak with a manager. I was transferred to a XXXX XXXX. I asked if she was a manger and she said she was. I asked her if she would please tell me what this call was in regards to as the last person hung up on me when I asked. She said it was a personal matter and she would n't tell me anymore. I asked her if it was her company 's policy to hang up on people when they asked for that information and to not give a toll free number out at the end of the call. She said they would not go round and round with me about this and that they would move on to the next call. I asked to not receive anymore calls and for the phone number to their headquarters. She gave me the corporate number and the CEO 's name. I told her it did n't matter what she called herself she was a telemarketer since she called me from an automated dialer. I told her that I knew there were laws about calling cell phones and about not stating the purpose for the call and she said my threats meant nothing to her and then she ended the call. The call lasted 4 minutes and 59 seconds.
I had previously filed a complaint against Flagstar Bank back in 2014. You should have that complaint on file. Since that time we have gotten no where with the bank. The home was vacated in 2014, we tried to do a cash for keys, a deed in lieu of foreclosure, and a short sale. No one from the bank would answer me, the realtor selling the home or our attorney. We had XXXX offer and the bank would not respond. They just continued asking over and over for the same documents. Once they were sent they would wait a few months and then say they needed new ones or claim they were never relieved. These documents were sent by myself and the realtor. All to no avail. I see a settlement was reached with Flagstar but I see no difference in their mortgage servicing practices. They give me a phone number, but no one answers that phone, you leave a message and no one ever returns your calls. Then every six months or so they send me a new letter and claim they are closing their file because I did not provide them with the information they requested. This is just not true, everything they ever asked for was sent. I also complained to the attorney general in the state of MI, but they referred me to your office.
I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. XXXX and Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
I received a letter in the mail from a company called CCI ( Contract Callers Inc. ) on XX/XX/XXXX stating that I owe {$130.00} from a default consumer. I did not owe anyone any money and I have great credit ratings in the XXXX 's. I called this company and they said that I owe a company called XXXX XXXX the money for not paying them. I advised that I do not owe them and it was a scam and they were trying to commit fraud. CCI did not check the source of the company they were trying to collect for and I believe may be involved in the scam or fraud. They told me I had to write them in order to dispute the matter. I wrote them XX/XX/XXXX disputing such amount owed for I never received goods from this company. The sent me a letter back on XX/XX/XXXX stating I needed to fill out identity theft paperwork asking for all my personal information. I in return sent a letter back to them on XX/XX/XXXX stating it was not identity theft but a scam and fraud and to check into the company that they are collecting for. I then received a call from CCI threating me to send this to my credit report which was already done and in so hurt my credit rating lowering it to XXXX. I did some digging into XXXX XXXX and within the last 6 months they have done this to multiple people. They do this to commit fraud, hurt your credit, and collection agencies go along with it. This is not fair to anyone of those people including myself and they should be prosecuted for fraud.
Both accounts on my credit report are misreporting a rolling charge off. Many months if not more than a year. 
XXXX ( Experian ) # XXXX for misreporting a rolling charge offXXXX ( XXXX ) # XXXX, ( Experian ) XXXX XXXX for misreporting a rolling charge off
I am XXXX yr old widow with XXXX XXXX. In XXXX XXXX when my husband died, I no longer had anyone to be a Rep Payee on my SSA account. I became my own person in charge again. I opened account for my SSA monthly direct deposit at Wells Fargo -- just for ATM to pay groceries, credit card with XXXX because I pay off balance at end of month, mobile phone, electric, and internet & misc. I have to file annual expense for SSA of how I spend the benefits. Wells Fargo manager told me I had to have savings and credit card and direct deposit to have free checking. She lied. I only need {$500.00} + direct deposit per month. After they deducted {$30.00} from savings, I closed it. I have never used Visa card. XXXX XXXX, my identity was compromised. This is 2nd time. I alerted FTC and credit bureaus. XX/XX/XXXX I got my XXXX digit code to over ride the lock on my personal assets. It is good for 6 months, not the normal 90 days because of my XXXX and extent of theft. Wells Fargo has stopped sending me paper statements XX/XX/XXXX. I had to add it as an option ever month online tyhey told me but I never got them at PO Box . I get promotions there and services they offer, but no statements. I get ATM cards, but no statements. I had alerts on my phone but they stopped because they said my password expired. I went to branch ( I do n't drive ) and they said since I did n't have ATM, they could n't help me. It was an online issue. I used my ATM on XX/XX/XXXX, for less than {$20.00} ( I have over {$2000.00} in account ), the cashier approved and took my card. I kept receipt. I called Wells Fargo and they said it was reported it stolen. Who the heck reported it stolen? They stopped a payment to my internet provider and I paid it from credit union account. They sent me notice I had payment due on credit card. I have never used I. I called them at local branch and the teller laughed. I told her I did n't think it was funny since I was ID theft victim and they were n't helping by not sending statements. She said she was laughing at a joke. I said well it 's not professional when you are on phone especially when I am locked out of my account, have my ATM taken from me, and you send me emails that I have no access to my account or alerts. Then 5 minutes later send email saying my statement is ready for online viewing? I called SSA and changed firect deposit to my credit union. They have been very helpful with alerts, changes to online accounts & emails due to hacking from ID theft. I have made XXXX trip in person to redo everything on my account with them. Wells Fargo says they cant do online problems or update account info. Their credit card is NOT listed on my credit report either which I never addressed with them but I ' am intimidated by a FDIC bank that HAS my money stops payments at random, never contacts me and changes passwords & deletes personal info and options LIKE PAPER STATMENTS. Please help.
We are receiving XXXX - XXXX calls a day ( XXXX XXXX XXXX ) asking us to call Discovery - Discover card with NO explanation whatsoever We have complained to Discover Card TO NO AVAIL, calls persist every day. 
In our XXXX, XXXX continues at XXXX
D and A Services is trying to collect a debt for XXXX XXXX that is disputed because XXXX XXXX has done to me what they did to other consumers ( Something CFPB knows about since they filed a lawsuit in XX/XX/2015 and received {>= $1,000,000} from XXXX XXXX ). 
The debt is in dispute and is not substantiated by anything other than XXXX 's dubious word ( again we know it is dubious because the XXXX CFPB filed a suit against XXXX XXXX in XX/XX/2015 and received {>= $1,000,000} from them ).
Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.
Diversified Consultants Inc., never reached out to me to notify me of any debts that I have with them or to notify me of credit reporting. I had no knowledge of their company until I recently checked my credit report, in which I immediately disputed. I asked for verification that they have the correct person, they could not provide me with documentation signed by me stating I owe, or would pay them any monies for the debt in which they are collecting on behalf of. They have n't sent me anything but a paper with an amount and my name and address. Upon receipt of that letter with my name, address, and amount, I sent the company a debt validation letter asking that they send me any and all proof that they used to verify the debt which would include contracts signed between their company and I, or any type of agreement signed by me from their company or that they remove the debt from my credit and stop incorrectly reporting any debts, they have done neither.
I recieved the following email from a loan servicer. This loan servicer managed my previous student loans that have been % 100 need paid off since XXXX. They did not properly document the full and complete payment of loans and are now trying to charge interest on a principal balance that does not exist. 

Dear XXXX, We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$1000.00}.

The change in your principal balance may result in a change to your regular monthly payment amount. If so, your next statement with a payment due will reflect your new payment amount. We will send your statement about three weeks before each payment is due.

Making your student loan payment is easy!

Use your mobile device or computer to get started in three easy steps : Log in to your Nelnet.com account to view your loan balance, amount due, and upcoming payment due dates. 
Choose your payment method. Sign up for auto debit, make a one-time online payment, or pay via your XXXX or XXXX mobile phone. 
Make your payment. 



Helpful Account Information Current principal balance : {$450.00} Next payment due : XX/XX/XXXX Regular monthly payment amount : {$5.00} Additional important account information will be provided on your monthly billing statement. 


Questions? Were here for you. Visit Nelnet.com or call us at XXXX from XXXX XXXX to XXXX XXXX  ( Eastern ) Monday Friday and XXXX XXXX to XXXX XXXX Saturday. 

Sincerely, Your Nelnet Customer Service Team LOG IN TO YOUR ACCOUNT Make a Payment Repayment Options
Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, XXXX has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 XXXX, XXXX, and Equifax, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.
Notice of error : Moving for Foreclosure Sale ; Violation of Civil Rights I am writing to notify Consumer Financial Protection Bureau that Wells Fargo is violating the Servicer guidelines. I submitted a complete application with XXXX XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX is offering a solution to save my family home by purchasing our property from Wells Fargo in a short sale and selling it back to me. In this way, XXXX passes along the savings and gives me a mortgage I can afford. I learned yesterday from Wells Fargo that my application was denied through XXXX. The Wells Fargo representative told me in a telephone conversation that my application was denied because the sheriff sale is scheduled for XXXX XXXX, XXXX. I have not received any written notification from Wells Fargo. This is an obstructionist act. Wells Fargo is the entity that controls the sheriff sale process. Wells Fargo could easily adjourn the sale ( which is first date ) and provide us with time to process our application. Wells Fargo is violating the CFPB guidelines by refusing to evaluate my application filed in coordination with XXXX XXXX XXXX. 
I believe Wells Fargo is discriminating against me because I am XXXX and live in a community of XXXX. My home is in XXXX, NJ which has been destroyed by Wells Fargo and other predatory lenders. There are no property sales in XXXX. It has a XXXX property sale rate. That means that if Wells Fargo does not give the opportunity to purchase my home back from XXXX XXXX XXXX, my family home will be vacant and my family of XXXX will be homeless. 
Please urge Wells Fargo to adjourn the XXXX XXXX, XXXX sheriff sale and provide time for XXXX XXXX XXXX to negotiate the purchase of my home.
In XX/XX/2018, I applied for a loan modification with my servicer Bayview Loan Servicing. I was advised after the paperwork was submitted that the " single point of contact '' or " relationship manager '' had changed and therefore I had to resubmit all of the paperwork. By the time I was advised of this, and the paperwork was resent ( XX/XX/2018 ) I was advised that my request for a loan modification could not be reviewed as they ( Bayview ) had set a foreclosure sale date for XX/XX/2018. Although the documents were resubmitted again last week ( XX/XX/2018 ), I fear that no one will acknowledge receipt of the documents nor review my request. 

I feel I have stable enough income to pursue a loan modification, and I am even willing to sell the property should a loan modification not work out. I am, however, upset that Bayview will not work with me to try to keep my home or work out a solution when I have been very transparent with them about my hardship and have complied with any/all requests for documents.
On XX/XX/XXXX I made a {$500.00} payment to Capital One. On XX/XX/XXXX I made a {$1000.00} payment to Capital One. My online account shows {$1000.00} payment on XX/XX/XXXX which does n't make sense. My {$500.00} payment never showed up online. I called customer service several times on XX/XX/XXXX. I was disconnected several times and finally got through after holding 41 minutes. Customer service acknowledged my {$500.00} payment and said it should show up the next day online. I asked about the balance - I track my balance constantly and know the {$500.00} was not applied to my balance. She said it was applied and the balance showing online is correct. I do n't think so. I was very unsatisfied with the customer service. The next day or even today XX/XX/XXXX - my {$500.00} payment does n't show and my balance has n't been adjusted. I did contact customer service again via online on XX/XX/XXXX. I got the same response. They acknowledge my {$500.00} payment but did not apply it to my account.
I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. 

The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with.? 
I have not signed anything with either of the companies listed above! 
Neither of the companies, including the bureaus have done their due diligence in providing supporting documentation or anything with my signature since XXXX! I am also requesting that you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, Trans Union and XXXX, as the law requires!
PNC Mortgage did not process my request for hardship assistance for this reason : " The accepted documents was not received within the required timeframe. '' I confirmed the receipt of all documents with PNC Mortgage, and each time I received a printed and / or verbal confirmation.