WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Texas Guaranteed loans collections agency several times in the last few weeks/months attempting to resolve issues regarding a defaulted loan that lead to my tax refund being offset. The first time I was contacted, I spoke to XXXX of their representative XXXX whom was very rude and would not answer my questions regarding the default, instead she was coarsing me into starting a payment plan and this after i previously stopped a wage garnishment while attempting to figure out exactly why I defaulted on a loan, when i have either been a XXXX student or when in between schools have requested for a forbearance. I was told to bring a letter from the school showing periods of enrollment leading to the time i defaulted. I obtained this information and contacted texas guaranteed loan yesterday Yesterday XXXX/XXXX/XXXX. At this time, I spoke to a male who gave his name as being XXXX, I have spoken to this man in the past and remembered him being very rude and gave me false informations and will not assist me with informations or answer questions correctly. Then on this day, he answered the phone and I asked if I can please get their fax number. He asked me what I was faxing, I said a hardship request to get my tax refund back, and a letter from the school stating that I was fully enrolled in school. At this time, he became very irrate, and told me that it will not do anything for me, and he doesnt know why I 'm wasting my time. And that I could not have placed a firbearance on the loan that many times, because its only granted once, and that this loan was from XXXX. And unless i can prove that I have been in school from XXXX until now, then there 's nothing i can do. I explained to him that I remember speaking to him once before and that he was very rude at the time and giving me false informations as he is doing now. I informed him that i have spoken to multiple people there since this morning and you once again are the only one giving me different information. He continued to tell me that it doesnt matter what i have that they are not going to do anything about it. He was being very verbally abusive and yelling at me. This went on for 12 minutes and he eventually hung up and did not give me the fax number.
I made a purchase on Chase credit card for {$16000.00} to XXXX. The total amount paid to XXXX was {$31000.00}. 0n XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem on services not being met XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I was just ignored about the problem of services not being met. They promised me certain outlined items they would do for me and a guarantee if I did certain outlined items they would stick with me until I made my money back. The company XXXX was finally shut down on XX/XX/XXXX by the Minesota FTC because the company was a scam. The government froze all their assets. 

I have sent paperwork, invoices, contract, guarantee and multiple items of paperwork to Chase credit card company. XXXX from the executive office said she would review the case and send me a letter explaining everything. I received no letter, but received a bill today XX/XX/XXXX saying the charge for {$16000.00} had been charged to my account. Why do I have to pay back money for services promised to me that were not met when I met all their conditions? I spoke and left messages with XXXX saying she would resolve it in a fair matter to me. XXXX amount credited to my account is not fair.
I am not really sure what this loan credit inquiry is that is being reported on my credit report. I did not authorized applying for a line of credit through " XXXX XXXX '' and " XXXX ( XXXX ). Company is XXXX, FL XXXX. They have tried twice to preapprove me on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I need it to stop and for the unauthorized inquiries to be removed.
On XXXX XXXX I pulled my credit report and found some questionable items which I disputed. Experian investigated these items and much to my surprise when I ran a report on XXXX, they inserted accounts that were n't on my report from XXXX XXXX. These were frivolous accounts from XXXX XXXX XXXX, that were closed back in 2011, which I had disputed before and removed. However, now Experian has illictly put them back on my credit report and they did not even serve me notice of re-insertion as required by the Fair Credit Reporting Act. 
When I disputed these accounts in XXXX with Experian, arguing that they can not re-insert accounts without serving me notice, they ignored my request and kept these accounts on my credit report. 
The accounts are listed under the following account # XXXX ... XXXX ... XXXX & XXXX. 
I have attached the before and after reports from Experian from XXXX and XXXX, that show the re-inserting of accounts.
I have asked them to stop calling because I am working with my attorney to file bankruptcy due to me being ill and almost XXXX and now being behind on all my debts. I told them I am not working and living with family. I asked on 3 different occasions to stop calling and the told me no and said they can call and harass me as much as they want because I owe them money because its their rights. Not only that but they are harassing my family members that are even asking them to stop but they will not.
This compa ny All Trans Financial is c alling at my work place. They do not want to give me any information. They just calling my job 's number but they do not have any information about a debt from this number. Then when I tell them to erase me from their list they say that they need my full name to do so. They are very rude and unprofessional. The lady that is calling me is  XXXX   XXXX . They do n't even know why are they calling. They can not find any records of collection from this number.
I was trying to refinance my mortgage and found a credit hold not authorized by myself on my credit report. I tried to call Transunion but they will not take a phone call and I could not navigate their website. They need to have a life person to fix a problem that they caused since I never authorized a freeze on my credit report.
I currently have a Navient student loan. I was given a new payment plan of XXXX $ per month that did not apply to principle at all. It actually increased XXXX $ per month. I called Navient and was dismissed. This is fraudulent practice to bait people by lowering their monthly but never paying down on the loan. I will be looking for other options.
All of my loans were with XXXX XXXX throughout my XXXX  school training, from XX/XX/XXXX to XX/XX/XXXX. When XXXX from XXXX  school in XX/XX/XXXX, I made many calls to my loan serving company so that I could properly consolidate my loans and enroll in an income based repayment plan, and begin working toward the Public Service Loan Repayment Program. At that point, my loans were switched ( without my knowledge ) to XXXX. I was told that my loans had been consolidated, I waived my 6 month deferment, and began paying my monthly payments to beginning accruing toward my 10 years of payments. Unknown to me, XXXX XXXX had only switched HALF my loans to XXXX, and the other half ( two different loans ) were still with XXXX XXXX, and not enrolled in any repayment plan. It wasn't until 6 months later that I received a ~ {$3000.00} bill from XXXX XXXX that I was told I was " still in school '' when I had attempted to consolidate my loans, and therefore these loans were not consolidated. Of course, that makes no sense, since I had already XXXX  from XXXX  school in XX/XX/XXXX and half of my XXXX school loans WERE in fact consolidated and sent to XXXX. And it makes no sense since the consolidation had taken place after my public and exciting XXXX   from XXXX  school. The XXXX  was on XX/XX/XXXX. In any event, even if they were to argue that I didn't truly XXXX until XX/XX/XXXX, I was not informed of this issue, AND they actually did consolidate half of my XXXX school loans. You simply can't have it both ways. Because of this, I lost 11 months of IBR on my now " second '' and " third '' consolidated loan. I simply want to be credited with the 11 months to my second and third loan just as I was to my first. Please see attached documetation, especially the email from XXXX XXXX noting I had submitted my consolidation request ( XX/XX/XXXX ) after the date of my XXXX  ( XX/XX/XXXX - picture of XXXX ticket also attached ).
Contract Callers placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Contract Callers to remove incorrect information off my credit report. More importantly, Contract Callers are in violation of FACTA section 623 ( A ) ( 7 ).
XXXX XXXX XXXX sold our mortgage to Carrington in XXXX 2015. We received a cancellation notice from our homeowners insurance stating that the invoice they mailed to Carrington has gone unpaid! What are they doing with my money? Stealing it from us! My husband tried to reach a customer service rep at Carrington today to resolve the issue, and he was on hold for over 15 minutes and did n't get the opportunity to speak with anyone. We have a VA loan and this is how they treat military personnel.
On XX/XX/2017 I went into Best Buy just to inquiry about a price of a XXXX laptop at the moment I did not have the full cash to buy the laptop as yet. During the conversation with a Best Buy sales representative he told me that I could get the laptop on finance without having to pay full price for the laptop he told me I could get the laptop if I apply for the best buy finance card and pay it of over time. 

The option that the sales person gave to me sounded interested at the time. I ask the sales associate if the application would be a hard inquiry on my credit report and to his responds he said no that the application would be a soft inquiry and that if I was accepted it would be instant. I ask the representive if he was sure and he said I didn't really wanted to do it at the time because I know my credit was just being built and told him that I would be deny to his response he said that it would not affect my credit if I was denied and that he has seen people that has just start building their credit who got approved for the card. 

At that time the sales rep convinced me and I entrusted him with the information he provided to me the it would not be a hard inquiry on my credit report. A couple months later to my surprised I am seeing the hard inquiry on my credit report from Best Buy and I felt like I was tricked with the old sales tact of bait and switched. 

I have reached out to Best Buy to see what they could do to get my report off and they gave me the run around. The information that came up on my credit report is CBNA/BBY with the contact information XXXX XXXX  XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX and I have seen the hard inquiry on my XXXX credit report I am not sure if it is on the other two credit bureau.
Synchrony Bank will not let me change my address and phone number. I have attempted to change it on the web sites and it won't work. I have been on the phone with them for hours and they won't change it. 

They gave me a website to go to to verify my information ( XXXX ) and it won't work. I wasted 2 hours trying to get it to work and shot 60 videos to upload ( did not work ). 

The manager told me my emails were no good, my telephone numbers were no good and that I had to send in copies of a state id, passport, social security card, a local bill etc. 

Then the manager said my address was not listed in the three credit bureau files ( a lie ). I have copies from all three credit bureau files and the address has been changed since XX/XX/2018. 

I have never had such a difficult and aggravating time changing an address as this company has made it. I have on three occasions  attempted to change the address and phone number only to be denied the right to do so. This is unacceptable and unprofessional.
delmarva collections of XXXX md - XXXX XXXX XXXX XXXX XXXX md XXXX - XXXX this company is trying to collect a debt i believe i do not owe. i am not aware of any debt i should owe to one of their clients - XXXX XXXX XXXX {$24.00}. delmarva 's internal collection account number is XXXX and the disputed date of the disputed service is XX/XX/2018. i sent a letter to delmarva collections requesting information on the debt they claim i owe. i asked for information not an investigation. i asked for information that the federal trade commission expects collectors to provide as per 1.5 u.s. c. 1681 fair practices for debt collectors. 

i received a letter dated XX/XX/2018 from delmarva stating reference to their internal collection account XXXX they claim that i did not provide enough information about my challenge to this disputed debt. when in fact - i provided everything they could possibly need - i disputed the debt as " service not received '' this is easy to understand - they also state that they are refusing to provide me the information -- they must provide based on the previous stated ftc rule. i expect either for them to provide me this information about the disputed debt or release the debt from my name. this is unfair debt collecting practices.
On XX/XX/2018 - I created a XXXX transfer using the bank of america app. I made a mistake of sending the transfer to my brother. I called bank of america immediately and was advised that they can not cancel the transfer and would have to wait for the funds to clear. I called after a few days and was advised that a claim needs to be filed for me to get the refund. I received a letter in the mail after a few weeks stating the my claim has been declined that I have to reach out to my brother to get the funds back. 

This practice is in complete violation of UDAAP. In the event that a consumer makes a mistake in transferring funds, we should be give ample time and capabilities to cancel such transaction. In my case, i did. I called. It is unfair for consumers to be unable to correct mistakes done when transferring to in incorrect account.
Loan originated XX/XX/XXXX. Original loan amount was {$14000.00}. Original interest rate was 4.75 %. Payment was {$110.00} for 15 years. On XX/XX/XXXX the interest rate was lowered to 3.75 %. The payment was never changed and continued to be {$110.00}. The online statement shows a balance of {$4600.00}. The online statement shows a payoff date 0f XX/XX/XXXX. All third party calculations show a payoff date of XX/XX/XXXX. 
On XX/XX/XXXX I contacted Navient and was told they were unable to correct the online loan detail statement. The indicated the correct payment amount should be {$96.00}?? but admitted that no effort had been made to notify me of a payment reduction. Additionally, if I rely on the online statement, I would be making an additional 10 monthly payments. 
In light of the past practices of Navient, I am concerned that they will overcharge me for this loan. My request for an updated loan statement or explanation of how my payments were being applied to the principal were denied.
XX/XX/XXXXDear Consumer Financial Protection Bureau ( CFPB ), On XXXX XXXX, 2015, I submitted an email requesting guidance regarding several issues which will be discussed later. On XXXX XXXX, 2015, I received the following response email : '' Thank you for contacting the Consumer Financial Protection Bureau. 

Please contact the CFPB 's Consumer Response team directly at XXXX, or go to the CFPB 's website at http : //www.consumerfinance.gov to ask questions, file a complaint, check the status of a complaint or obtain additional informations on the CFPB 's regulations or other matters. " Since, the CFPB is an independent bureau funded by the Federal Reserve, tasked with drafting and enforcing regulations for banks, equity markets, credit unions, debt collectors, mortgage lenders, and other entities offering financial goods and services. Functions and Responsibilities of the CFPB Essentially, the CFPB is a watchdog agency tasked with protecting consumers from unscrupulous lenders and other financial institutions. While the bureau has some unique responsibilities, the CFPB also will assume existing duties once carried out by the Federal Trade Commission and other government agencies. 

We are requesting assistance with respect to Trans Union. 

FACTS AND ISSUE ( S ) I. Trans UnionTransUnion Consumer RelationsXXXX XXXX, PA XXXXTRANSUNION FILE NUMBER XXXX dated XX/XX/2015XX/XX/XXXX, Dear TransUnion , I am in receipt of your response to my XXXX XXXX, 2015, request for deposed information. Your response was void of the information. If you are n't the proper venue even though you sent the information to us can you please provide us with the agency that can assist us and/or who oversees your operations? Regards, Courtesy copy of request to Consumer Financial Protection Bureau ( CFPB ). CFPB if you are n't the proper venue please forward my concerns. 
A. The duties and the legal requirements of Trans Union a credit reporting bureau is predicated on evidence and facts. We received a notice from Trans Union on XXXX 2015 and subsequently requested a credit report. The report had some unsubstantiated information so on XXXX XXXX, 2015, we requested deposed documents to support the unsubstantiated information. 
B. We are requesting your office to either contact Trans Union to obtain the requested deposed documents since they just ignore us or forward our concerns to the appropriate governing - body. 

Regards and if additional information is required please let me know, XXXX XXXX, XXXX. 
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Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : CASHCALL Account Number : XXXX Date : XX/XX/2017 Amount : {$10000.00}
OnXX/XX/XXXX called them at about around XXXX XXXX. They told me I owed XXXX when I owe XXXX every time Ive called them previously they dont identify who they are. On one case I called them and I said the wrong name and they said I had the wrong number! Didnt even say they were a collection agency! When I called Them on XX/XX/XXXX I was talking to the lady and when I asked if I could settle she told me no, I asked where It goes if I dont pay it and she told me they would take legal actions. I was just asking her because I didnt know if it went to another collection agency. She kept saying okay man. She didnt have the correct info. I understand I wasnt professional, but On there website it says they maintain the highest level of professionalism. Which they do not! I told her I could make payments on the bill but only XXXX and she said that when XXXX rolls around they have to increase it. She also kept saying you wouldnt go into the grocery store and not pay. At no Point did I act like I wasnt gon na pay it.
I purchased the residence in XXXX with no escrow account. Chase inserted an escrow account when they paid my XXXX property taxes that I also paid, affecting the accrued interest on the loan.
EXPERIAN it 's providing incorrect information on my credit report in which does Not belong to me from this, Company   XXXX   XXXX   XXXX   XXXX   claiming two differenced Balances one of {$29.00} and other Balance of {$38.00}.
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Address :   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , FL  XXXX
My wife took out 4 certificates of deposit with washington mutual. the 1st one was inXXXX acct # XXXX the 2nd was XX/XX/XXXX # XXXX the 3rd was XX/XX/XXXX # XXXX and the 4th was XX/XX/XXXX # XXXX. In XXXX Washington Mutual failed and their assets and records went to JP Morgan Chase. We are not sure if we closed these accounts ( wife does not recall ) or because they went dormant they were lost in the transistion between WAMU and Chase. I contacted Chase to see if I could find out what happenened to these accounts but they tell me they can not help me because those acct. numbers are not theirs. I have done many searches to see if these funds ended up in Washington State Revenue but found nothing. I also went to FDIC and found nothing but in talking to the FDIC they informed me that Chase should still have records of our accounts and should be able to help us find out what happened to these funds. Please help to resolve this issue. Thanks.
Penny Mac consistently misapplies my payments. I generally pay more than the minimum. They apply it all to principal, add late fees, call me for payment, when the full amount+ is always sent in WAY before the due date. Then I have to spend too much time on the phone getting fees reversed and explaining to them how to apply the payment correctly. If it didn ; t cost me money, I would switch companies in a heartbeat.
XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious IDEAL COLLECTION SER XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX
XXXX : borrowed {$37000.00} Forbearance on loan the maximum time allowed XXXX : now owe over {$70000.00} even after making payments ( ridiculous amounts monthly ). 

I have been XXXX since XXXX. 

Please help
XXXX XXXX XXXX has fraudulently opened a collections account stating that me and my husband owe a debt to the company. I, XXXX XXXX XXXX and husband XXXX XXXX XXXX have never signed a contractual agreement with this company. This company is in violation of FCRA and FDCPA Guidelines.