WillisBack/dataset-financial-user-claim huggingface dataset:
I paid a a loan and two credit card payments on line with USAA. The next day XX/XX/XXXX I went online and saw where the payment for loan had posted but credit card payments had not. So I paid card payments again which resulted in an over-payment of {$4900.00}. I immediately started to try to get my money back. I have documentation where I requested the account be closed and my money refunded on XX/XX/XXXX I requested the money be refunded onXX/XX/XXXX via chat. I still havent received my money matter of fact they claim check was mailed but returned. I have been approved for a mortgage and need the money for closing costs so I am in a bit of a crunch and exceptionally irate. I had to pay them 15 to 25 % to use their money and they have kept mine a month and I have even paid to have it sent express 9 days ago.
The Pinnacle Credit Service, LLC sent me the debt collection of the phone company name XXXX the phone company I never use or deal with
I contacted XXXX and they were not able to verify the information on this account. The CRA reported verification of this account. I dispute the accuracy and method of the verification with the Original Creditor
I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( reported duplicate on my credit report )
I am currently in a loan with Santander Consumer USA. My loan interest rate is 19.75 % I have had the loan for over XXXX years the loan started out at {$14000.00} and since then it has only gone down to {$12000.00}. I have recently seen a news article about usury loans against Santander consumer. There was also a point in time where for XXXX months where they lowered my monthly payment and did n't tell me it would only go towards my interest.
Experian is reporting XXXX not valid debts on my account. One from XXXX and XXXX/XXXX, that was disputed with all XXXX credit bureaus over 90 days ago. XXXX and XXXX could not validate the debt. XXXX and XXXX removed this debt because it could not be VALIDATED. XXXX only sent a 2 digit verification code electronically allowing a 2 digit verification code response. Experian REFUSES to VALIDATE the debt.
XXXX XXXX ( XXXX ) called me on my cell phone asking for my wife, although with a slightly wrong version of her name. They would not tell me why until I provided last four of my wife 's social and gave them information about me and her. They said they were debt collectors representing XXXX, but neither myself or my wife does business with XXXX. I refused to give them any new information and hung up. 

I am not sure if they were phishing or otherwise just trying to gain access to us or our information, but it was an unsolicited call on a number on the do not call registry.
contacted by Financial Recovery Services ( XXXX ) regarding XXXX Credit Card balance of {$16000.00}, account No : XXXX dated XXXX/XXXX/XXXX. Never had or done business with XXXX. Obtained XXXX Report and there is no such account. However, receiving threatening calls and letter since XXXX.
I originally complained about the unfair assessment of late fees on XX/XX/18 to my loan account ; the fact that they mixed up the mortgage payments and put them into the wrong accounts ; that the extra money I sent to be paid to the principle was paid to the loan interest ; and the most important part they allowed my homeowners insurance to lapse, because they did not renew my insurance on time, and as a result it is scheduled to expire on XX/XX/18. They have addressed the first two issues to correct the mistakes of payment in the right places and adjust principle to reflect the payments made to that area, but they have neglected to fix the insurance part which is most important, because a house must have insurance on it, in case of fire or natural disasters, if for some reason something perchance occurred, I would not be covered. In this case, although the mortgage is tied to the home insurance and they are responsible for paying the premiums and ensuring that the insurance coverage is there, instead, they have ignored this aspect of the complaint, and just sent me a letter stating that the home insurance will expire on XX/XX/2018, without making any efforts to see that it be reinstated to ensure that my home is covered from these disasters, and they are further telling me that without home insurance, they can not service my mortgage loan, which is very unfair of them to me, as they are totally responsible for renewing it, and they don't care to do so! And I want my insurance reinstated before the expiry date reaches! I urgently need this to be done!
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Attempting to remove a credit freeze with Experian. Unable to get through to anyone who can help. Website and phone contact gets nowhere. No one answers at any of their published phone numbers. Error message when submitting request online.
I have had this company call me numerous times. I have told them over and over that I can not pay right now. I have XXXX kids and I can not add another monthly payment to my bills. I have been doing credit counseling and have started paying my debts XXXX by XXXX. 

Today XXXX XXXX I received a call from EOS CCA for an old XXXX account. I have to make sure the amount is correct with XXXX XXXX XXXX since I have been reading about a lot of scamming from this company. 

The person on the phone said I needed to make payment arrangements. I told them I could not at this time. Supervisor gets on the phone and tells me that he knows I have kids and a job so I should be paying my bill. I told him I am saving up for something more important at this time and it would have to wait. He says what could be more important and I said marrying my wife. 
And he asked me numerous times how I am paying for my wedding and that my debt is more important. 
Examples being " How are you paying for that? '' I find that very offensive and harassing. 

I am highly upset. I do n't feel it is right for them to ask me how im paying for my bills and how im taking care of my family. 

I have been working on my credit. My whole tax return goes to debt every year. Im trying to raise my credit. 
I do not want to deal with these rude people. This is insane to me to be spoken to by a debt collector in such manner. This is not the only debt I have. I went from XXXX on my credit report to XXXX so I am working on it. I do n't appreciate this kind of harassment. This has made me extremely upset and angry.
Reviewing annual credit report from Transunion - have submitted following errors - no response : 1. I am XXXX or XXXX XXXX XXXX not XXXX or XXXX XXXX XXXX 2. Never lived in XXXX XXXX, XXXX. - Lived in XXXX last 35 years. 
3. Have never had a tax lien filed against me - Docket # XXXX XXXX, XXXX 4. Do n't recall ever having credit with XXXX XXXX XXXX - Acct # XXXX XXXX. What does " promotional Opt-Out mean??? If this is a lock out please have it removed.
I experienced water damage to my home XX/XX/2015. My mortgage lender refuses to pay interest on the claim funds held in escrow despite California law ( California Civil Code ( 2954.8. Payment of Interest to Borrower ).
Bank of America has been notified on more than 1 occasion that the debt they claim I owe was from Identity theft. Their story has continually changed over the course of a year and yet they refused to do anything about this. Well I have been looking at US codes and I have found a code Bank of America should be prosecuted under, Title 18 Part 1 Chapter 42 EXTORTIONATE CREDIT TRANSACTIONS. Under this code, it states that forcing someone to pay a debt by threatening their physical well being or personal reputation is a violation of criminal law. The CFPB should already have copies of my evidence that numbers in the 300 separate documents range, that Bank of America is in violation of this criminal law by using extortion and ruining my credit to try and force me to pay a debt that is not mine, forcing me to pay higher interest rates on lines of credit I have been able to receive. I demand the CFPB force Bank of America to answer for this crime or I will contact my elected officials, what is the point of having a CFPB if they only advocate for companies. I also want to add that any information Bank of America has provided has had information purposefully left out and the bank has refused to release any audio recordings of my phone conversations with them.
I was contacted on XX/XX/XXXX concerning a debt from XXXX XXXX XXXX , XXXX from Portfolio Recovery Assoc. LLC. XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX I contacted them today to get more information on this debt. They state the debt was originally for a credit card obtained in XX/XX/XXXX with a balance of {$2000.00}. They stated they have spoken with me on several occasions and was told not to contact me again. They have ignored that and called me again on XX/XX/XXXX. When I spoke to someone at that time and also again today I requested an original contract with my signature on it. I also requested their surety bond number for the state of XXXX that proves they can collect a debt. I told them the statue of limitations is 4 years in the state of XXXX. I am being harassed for a debt from XX/XX/XXXX with no proof that it's mine. I was told that they will open a dispute for me and I answered I will dispute as well. I was told this will be reported on my credit file, why? This debt is from XX/XX/XXXX and no proof has been provided that it's my debt. They are violating the fair credit reporting act as well as my rights.
We applied for a loan modification XX/XX/XXXX. It was approved XX/XX/XXXX. Since since then we have made all of our payments on time. It has been just short of XXXX years and Bank of America has not been reporting to the credit bureau. The house value is such that we would be able to market the home and downsize. We would hope to purchase again. 
Because BAC has not been reporting they have negatively impacted our score. When contacted they sent a computer print out of our payment record. That is not good enough!
I have a Citicard that was stolen from me and used to make fraudulent charges between XXXX XXXX XXXX and XXXX XXXX XXXX. I have spoke with Citi Cards approximately XXXX to XXXX time since then ( Today is XXXX/XXXX/XXXX ). Every time I have spoken with them they assure me that the charges are under investigation and will be removed in 5 to 7 business days. This has gone on for over six weeks and yet the charges have not been erased. Every time I call them I have to start the whole story over as though no record is being kept of situation.
Lowe 's pulled my credit when I asked if I could have time to pay. Said there was NO hard pull and stated it would NOT show on my credit.
I am furious about the Equifax Data breech reported to consumers on XXXX/XXXX/XXXX. They are suppose to protect our information as they distribute this information to various financial companies when consumers apply for credit cards, home loans, etc. The very people that hold our very confidential data did not protect us, yet now they say sign up for protection? How ironic. I demand that Consumer Protection go after these people and make them pay for the lack of integrity and responsibility in allowing such a breech to occur. They should be made to pay for this dearly. Yet it will be the individual consumer to be held accountable if their information is used to set up fraudulent accounts. Please be assured that I will also be contacting my senators to complain about such a horrific event that basically opens us all up to potential financial risk without much in regard to individual consumer protections, Outraged in Tennessee
I was notified by XXXX that I had a collection from Diversified Consultants for XXXX for XXXX XXXX XXXX on XXXX XXXX. I contacted the company of Diversified, because XXXX provided their number. On a recorded call, I asked for them to send the letter of debt because I am disputing something I paid years ago. The Supervisor stated they did attempt to call me. I advised I did not receive a letter nor a call. I verified my address with them. She stated she would not send the letter if I was not going to pay the debt. Again, that was a recorded call on XXXX XXXX. I also phoned them on XX/XX/XXXX because they were listed under another name for same account on XXXX. On XXXX XXXX, I called XXXX with the information that was still on my credit report and them refusing to send the information. XXXX rep then stayed on the line as she called diversified for an attempt to gather the information not sent to me. Attached is the copy of the letter sent to arriving XXXX XXXX dated XXXX XXXX when XXXX asked them to send it to me. 
This should never have been on my credit reports. I asked for the documentation and they refused to send it. It is recorded as such. The payment, which is actually incorrect on the balance. First it stated XXXX then it was really XXXX and it was over XXXX when first billed. I split that payment in XXXX.
XXXX   XXXX    ran a credit check on me without my consent.    XXXX   XXXX   2017
I purchased a XXXX home in XX/XX/2013. The original purchase price was {$170000.00} and I put 15 % down. I was at 85 % LTV with a loan amount of {$150000.00}. That means I needed PMI. According to my amortization schedule, my loan was scheduled to reach 78 % LTV in XX/XX/XXXX of this year. The PMI should have been automatically removed. I messaged SLS about this via their website and never received a response. I called a month later and they said I needed to submit a written request. I submitted my request along with XXXX guidelines for automatic PMI removal. They sent me back a letter saying that I needed to authorize and pay for an appraisal and then they would make a determination. They will not let me speak to anyone making a decision. They just keep telling me that I need an appraisal. No one rebuts what I am saying or shows me where I am wrong. I did confirm with the lender that my loan was scheduled to reach 78 % of the original balance in XX/XX/XXXX of this year. HELP!
I found a medical debt on my credit report and called the collection agency in charge of my debt, I.C. System Inc. I had to call several times over the course of the week before I was finally provided information on my account. I was told that my account was sent to a lawyer, which was never disclosed to me. I was given a phone number ( which turned out to be a cell phone ) and a name, along with an account number. From that point, I attempted to contact the said lawyer. I called and called and always get sent to a " ghost '' voicemail. I never receive a call back. When I called I.C. Sytems to explain the issue and my desire to settle this debt, the only information they were able to give me was the same information I already have. I am a consumer making a strong attempt to settle a debt that no one has information on. This debt effects my credit score every single month. I am tired of the company shrugging their shoulders at me. I would like to settle my debt to better my credit score so I can buy a home for my family.
last year I opened a checking account with Chase, and got a {$300.00} bonus for that, but they charged me {$84.00} Federal interests withholding, which was not supposed to happen at all. According to the IRS documents and Treaty between the U.S. and my country, international students are exempt from paying interests tax within their first 5 years. 

When I opened my account, I told them I was an international student holding an F visa, provided all my documents, including passport, XXXX, XXXX form, and also, I filed the XXXX form. 

However, within half a year, they failed to give it back, and they kept asking me to file XXXX form again and again. I think I submitted my XXXX form three times in total. But they still could not solve the problem. So I filed a complaint with Chase, the person said they could do nothing about that and tried to convince me to contact IRS to get my money back from them, which was not making any sense at all. 

Therefore, I filed a second complaint with Chase again. Unfortunately, I have never heard them back yet, it has been another half year, I guess no one in Chase was and will still care my complaint any more, since I have already closed my account.
Twenty months after paying off my loan in full, Great Lakes added {$13000.00} to my loan balance. They said the money was a fraudulent payment ( it wasn't ) so they sent it back to the bank. I never received the money back. They refuse to tell me where it was sent to past that. The money has disappeared. Now I have a large balance on my student loan, and my missing {$13000.00} is nowhere to be found.
This concerns complaint # XXXX. Wells Fargo has submitted a response to you that is not true. We were forced to sign documents that the Federal help that came through Keep Your Home California was in fact a modification from Wells Fargo. It was either we sign or the Bank would return the funds to the Federal Government and foreclose on us. It was not an empty threat. Wells Fargo responded to Consumer Financial that they clarified to us that the funds from Keep Your Home was not a modification. That is not true. We had to sign documents that it was a modification from Wells Fargo. We do n't know where to go from here, we had other concerns that Wells Fargo did not respond to you, but they did negatively respond to us. We would like very much that Consumer Financial turn this case over to a Federal agency for prosecution of Wells Fargo for destroying our lives.
XXXX XXXX XXXX  is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.
In XXXX and this month in XXXX I could not get my free credit report. I was only able to get it after filing a CFPB complaint last year. So I will cut to the XXXX and do it again,. This is a violation of the FRCA.
This number calls my home every morning at exactly XXXX The caller id does not ID them and then they hang up. Research on the internet determined they are id scammers who call to collect very old and often non existent debt. Other than hang up phone calls I have had no other contact attempts made to me by them.
My husband and I applied for a mortgage in XX/XX/2017 through PrimeLending for an investment property we were wanting to purchase. D We were given XXXX XXXX 's information to use him as a lender and got the pre-approval letter on XX/XX/2017. Upon applying for the mortgage, XXXX was informed that I had purchased a new car in XXXX and it had not yet hit our credit report. He stated that it would not be a problem and to go ahead and proceed. We signed a contract with the seller and ordered appraisals and inspections. After appraisals and inspections came back clear my realtor asked if we would like to close 2 weeks early. Everything had gone smooth so far so we figured it would be a green light to close. XXXX informed us that he needed to see our down payment for the house in our bank account. We were withdrawing from a 401k in order to partly fund our down payment. ( $ XXXX ) and we sold a vehicle ( $ XXXX ) to fund the other half. My husband cashed out his 401k and we sold the car to have the est. $ 40k in  the bank account. At this point XXXX passed us off to his assistant to finish the closing. This drug on for an additional 3 weeks. An old collection account was on our credit report and I had disputed it years ago. I was told the account would have to be paid and the dispute removed. I spent 4 days working on that to get it taken care of. On the date we were originally supposed to close PrimeLending was still asking for documents from our 401k 's. We had to push closing off another week. I asked his assistant numerous times if this was a go. I did not want to cash out our 401k if this loan wasn't going to go through. I was assured by her, XXXX XXXX himself and our realtor that everything was fine. The week we were finally set to close, I get a phone call from my realtor informing me that our file had gotten passed off to another lender to try and approve but that she couldn't get it done either. Upon further talking to my realtor, she informed me that XXXX XXXX didn't run the initial pre-approval as an investment property, but as a primary residence. They both informed me that had they run the pre-approval as an investment property to begin with, the dispute would have a flagged and we wouldn't have been pre-approved at all due to our debt to income ratio. We have acquired fees for the inspection and appraisal, we are out the earnest money and our option money along with several thousand dollars in extra taxes for withdrawing our 401k 's out. I feel like we followed every step required of us and had this been done correctly to begin with, we wouldn't be out this money.
my account on their web site is not functioning, linkage is there but I could not open it so I could not see all transactions or detail. I asked them to fix it but they did not so request to get some paper bill but they did not so they are harassing me. 
I earned some interest and reward money but they did not send me any. 
There is no trust between us.