WillisBack/dataset-financial-user-claim huggingface dataset:
I am receiving automated robot phone calls from this company designed to harass to a voice mail that is not secure " anyone can hear my personal business. I called the company and instructed them to CEASE AND DESIST all phone calls, yet the harassment continues. At the beginning of the call a notice is given from Synchrony Bank that all calls are recorded so this constitutes a record of this specific notification from me to them. I have maintained a call log of each call after this notice which constitutes violations of the demand to cease and desist. I would be glad to provide it.   Calls are several times a day and are ALWAYS robotic.     As per FCRA I demand Synchrony Bank CEASE AND DESIST all telephone harassment of ANY KIND. This complaint to  the CFBP will serve as off icial intent to sue for mental anguish for each call following this notice.  <P/> Once  XXXX  treatment is completed " AS I STATED '' the debt will be settled. Synchrony Bank is a  XXXX  dollar company who can afford to wait for my recovery. Attempts to harass will be met with legal response.
Safe Deposit Box, of XXXX XXXX XXXX XXXX. 
XXXX bank account, transferred from XXXX XXXX XXXX, XXXX, CT. Wells Fargo N.A . I was query 'd by IRS, owning income XXXX, XXXX XXXX XXXX XXXX. I am the XXXX XXXX XXXX XXXX, and probate opened up an estate. I have possession and title XXXX XXXX XXXX XXXX, XXXX, CT. XXXX. XXXX. Wells Fargo N.A . filed an instrument of deed, to themselves and owe me {$330000.00}. 
No one see 's a bank. Their XXXX XXXX, is a massive failure, used by XXXX bank and many many many many other abandoned properties and businesses and seems to be " Inactive '' and they all are not worth a penny.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I am in XXXX XXXX XXXX and not sure how this happened. I am known to pay my bills on time.
A letter was sent to me explaining my final payment due in XX/XX/XXXX from XXXX XXXX XXXX XXXX. Since then I received two phone calls in the same day XX/XX/XXXX which I could not answer as I was at work. No message was left on my phone for this. On the same day my husband who is not on the lease received a phone call and a message was left with him discussing my personal NPPI as to the detail of they are trying to collect a debt and the dollar amount they are looking to collect. I did not give consent of contacting my husband as he is not on this lease with me. I feel this is a violation of Privacy, FDCPA and this is a deceptive practice. There have been a number of complaints about this on the XXXX XXXX XXXX about this company doing this as well.
My husband die d, 2016, thr ough my grieving process 5/3 tried to foreclose on property. We never knew the property was in my husband name only. Th e Financisl institution tried to  make it right by giving me a forebearance and  XXXX  told me if I needed more time let her know, it had to be g iven 4- months  at a time. I tried to get on touch with services 5/3, but I hv not received any answer, time is running out. I hv been traumatized with this entire situation. I did not get paid a check f or 5-months. Had to go through changes to get my back pay, took about 4-months,  still trying to get my check corrected with  XXXX  at this moment. This is how I got behind. Reaching out to  5/3  for another forbearance so I can hv enough time to get financial crisis situated and get business done. A lawyer transferred the deed in my name, as I am wife and was in line to inherit property. I am needing a response, I want someone to respond to me so I wo n't be anxious about losing my home, I 'm just trying to communicate and reach out for forebearance to finish taking care of my business. My goal is to modify loan. It is too many things going on at the same time. I would not want anyone in life to go through a traumatizing event like this. I 'm still grieving the loss of my husband and trying to keep strong. Please help me get a response, I 'm exhausted. Thank you I did not pay to hv foreclosure droppe d. Fifth Third aban doned it. Because the loan was not in my name yet. They were trying to take the property after my husband died, I had not even got property transferred yet. My husband was a veteran.
My property has a foreclosure sale date for XX/XX/XXXX. My servicer is M & T Bank. They rejected me for a loan mod and I have engaged agents to sell my home as a short sale. My agents have continued to provide everything needed for short sale, the only thing left to be done is for the servicer to order an appraisal/valuation to compare it to the value. M & T is refusing to do this, saying that they need more time to upload documents. My agent has ALREADY verified that all documents were recieved, and has previously been told that 48 hours is the upload time, but NOW M & T ( XXXX to be specific ) says it 's a minimum of 5 days. I believe he is stalling in order to send us to foreclosure. We have a GREAT offer on the table and there is NO reason they are refusing to work with us. I do n't know if they think they 'll make money or what?
I received a check for {$1900.00} because I was going to sell some furniture in XXXX. When my wife went to deposit the check, all the fu ss were available the next day. So I told the person to proceed with the purchased because the funds were now available. The next day, that person sends me a text and tells me that he had an emergency and that he needed the money back so I sent it to him via XXXX.to 2 different accounts. I sent {$700.00} to the account with the email address XXXX and {$1100.00} to the account with the email address XXXX and that afternoon I get a notification from the bank saying that my account was -XXXX so I called and ask them what happened and that I made those transaction because the funds were available, but they said that the check was a bad check, but they said they could not return my money that I had to file a complaint with yall. That is all the money we had and now it got stolen. The number they texted me from is XXXX this transactions took place in the past 2 days
This XXXX XXXX has been calling my daughters telephone number leaving many messages to call this person I do not know who these people are and the purpose of their continuous calls. Please have them remove my name from their database i.e. robocalling.
I have a mortgage with Ditech Financial because they purchased by loan from XXXX XXXX Last year in Dietech I was behind on my Property Taxes so I went into the XXXX County tax Department and put XXXX down and agreed to pay {$230.00} per month to catch up on the taxes my property taxes are XXXX. per year at that time I was behind about XXXX. but another {$900.00} would come due in XX/XX/XXXX and then again in XX/XX/XXXX. So the plan would have brought me up to date by in about 12 months when it would come time to make another agreement and also paying ahead. the agreement is in force from XX/XX/XXXX to XX/XX/XXXX and its goal is to pay until you get at by least 6 months. Your property will not go into foreclosure as long as you pay. It also allows for you to miss up to 2 payments with out any consequence. I have done this many times over the past 14 years of my loan and no problem. Each time I keep renewing my contract in XX/XX/XXXX. Most of the time this has happened is because I have had had to make costly repairs to my home and since we filed Bankruptcy in XX/XX/XXXX we have been unable to refinance so all repairs are on us. Despite my having gone and made the arrangement and faxed Dietech a copy of the agreement. they decided to pay behind tax along with the coming taxes for the year. They paid around XXXX. which takes me though to no tax due until they send the bill in XXXX XXXX. The then sent me a letter stating that they would add it to the end payment on my mortgage ( and I am fine with that. ) My problem is now Dietech had sent me a new payment as of XX/XX/XXXX first changing my payment from XXXX to XXXX. In doing so they will be forcing my husband and I into foreclosure. We are both retired and on a fixed income I was working last year but my part time job is no longer available so all of my bills must be kept within my balance. I am perfectly capable of making arrangements to pay XXXX down and $ XXXX month to the XXXX county department in XX/XX/XXXX which is when they allow me to make the arrangements for the coming tax year of XXXX. Which is a better deal for me all the way around because the XXXX County will allow me long as 4 years to get ahead on my taxes as long a I pay each month and renew each XXXX. They will even let me skip a payment or two without nullifying the plan. Dietech 's plan is way to much and I think unfair especially since I did this with XXXX XXXX at least 3 times during my loan history with them. Also Dietech was aware of the payment and the payment plan that I had made in XX/XX/XXXX as I faxed them a copy of the agreement and the payment receipt and they were also aware that I had made a payment in XX/XX/XXXX when they decided to pay the full tax bill them selves now thy plan to increase my mortgage payment by XXXX by XX/XX/XXXX for a tax of {$900.00} which will not come due until XXXX XXXX, XXXX. And they are not affording me the opportunity to deal directly with the XXXX county Tax Department as I have been doing since XX/XX/XXXX when this loan began before I ever heard of them!
I have attempted to contact American Express since XXXX regarding my Platinum Account which has now become delinquent due to their lack of action and personal hardship. The purpose of all three letters was to establish some form of payment arrangements. ALL XXXX letters sent to AMEX via USPS were blatantly ignored - I never received any response and/or even acknowledgement of receipt resulting in $ 1000+ in fees. 

During this same period, I made smaller payments to show I 'm not trying to disappear. As a last ditch effort and show I have gone above and beyond/my due diligence, I went as far as emailing AMEX 's Chief Executive Officer. Only then did I receive a callback from their Executive Office which pretty much told me thank you for your letter, but we ca n't really help. When asked about the letter I had sent to their XXXX HeadQuarters 10+ days earlier, the representative said it was my email that caused them to contact me not any letter ... AMEX refuses to admit they dropped the ball. Despite numerous phone calls, AMEX 's " representatives '' essentially read from a script in XXXX XXXX, XXXX claim they can only offer XXXX option which is far from feasible. When asked to be transferred to someone in the US or a supervisor they claim they are a " global company '' and this is not possible - I have never been able to speak with an American representative nor supervisor during this entire process aside from the individual from their Executive Department - I have been stonewalled by their representatives in XXXX XXXX which claim they can only offer what the computer generates/do nothing more. 

I am a student in the process of trying to figure out what to do with life, please help.
Southwest Credit Systems {$260.00} Original creditor XXXX I do not owe this much. Have disputed for over 4 yrs Attempted to settle with XXXX numerous occasions but they refuse!! I DO NOT deal with collection agencies. Southwest just put this charge back on my credit again & trashed my credit score. I 've had XXXX accounts closed because of this. I 'm sick of dealing with this I could very easily pay this but I 'm NOT paying something I do n't owe XXXX XXXX, 2015 XXXX took {$60.00} off for equipment return, I own that equipment Took it to {$200.00} Now XXXX says there was NO charge and added the {$60.00} back on. My next course of action is court!! XXXX never sent me a final bill 4 yrs ago when we moved. XXXX now states that they ca n't accept any kind of settlement that I need to pay full amount but then told me that I could to thru Southwest and settle for less amount This makes NO sense to me. I will not let this go until it is off my credit once and for all. Southwest has over 500 complaints with BBB I will continue to file complaints thru XXXX XXXX until resolved
The company has been reporting me a running late for 6x times and they have done it in to me in XX/XX/XXXX. I learned that they have switched products and increased to my payment to XXXX from XXXX, which I have been paying for years. I am recently divorced and my husband was paying the bill on line. So, all notices that are on line which Wells Fargo have always pushed me to go online because I could not talk to a person for a year because I did not know my pass word. I open the line in XX/XX/XXXX. I ask them to produce the document that says they could switch my product and all this extra money that have been given needs to go towards her my late fees. The customer service rep said they told me in XX/XX/XXXX. They could not reproduce any paper that said my payment changed, they sent me a note that does not indicate. I want them to remove the late immediately and give me the opportunity to know what products I am in what to expect.
I have been following up with the credit bureaus regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX and never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely. I would like to hear back from the credit bureaus regarding this matter.
CapitalOne provided an extended warranty which at the time this complaint was filed is within the extended warranty period. The company also ask for particular documentations which I provided see attached. The company failed or refused to honor its extended warranty policy and disregard the documents submitted to substantiate the claim.The company known or should have known that once the company accepted the claim it was obligated to review and investigate the issues as the extended warranty is within the time frame of its policy. It was my understanding that the warranty period extends the dispute time frame and if not the extended warranty would cover issues such as this. I called Capitol One regarding filing a dispute against XXXX XXXX  XXXX {$3800.00} card number XX/XX/XXXX. The issue was a faulty ac unit the vendor installed that is faulty. The vendor has made several visits to repair or make corrections each time resulting in a service charge.The vendor last visit was XX/XX/XXXX. I filed a claim with Capital One and submitted all the documentation they request but my claim was denied stating I did not send in all the requested documentations when I did and it stated unfortunately, that time-frame has expired. If you want to dispute a charge in the future, please let us know within 60 days of receiving it. When I called Capitol One and made the complaint I let the representative know this charge was from XX/XX/XXXX. The representative stated it was not a problem I said thank you. When I received the letter of denial I was shocked. So I called and spoke with a representative on XX/XX/XXXX. She talked to a supervisor who explained XXXX XXXX would not accept the complaint because it was 500 and some odd days old.She said I supplied all the right information and the vendor has failed to respond. I wondered why Capitol One warranty or dispute claims did not accept and pay for the faulty ac.I do not think that is fair.I believe I am entitled to a refund.
experians upload services do not function ... making it impossible to supply information pertinent to my dispute. 
please see furnisher cfpb complaint XXXX ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX IS ATTEMPTING TO COLLECT XXXX DOLLARS BUT HAVE DUPLICATED THE DEBT FOR YEARS AND GIVEN IT XXXX SEPARATE ACCOUNT NUMBERS AND THEN VERIFY BOTH DEBTS.
On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All f the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX/XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. A fraud alert has been initiated on my account for months now and unauthorized inquiries are still being pulled on my credit. They are XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
The original collector, XXXX XXXX XXXX XXXX, has already agreed to and accepted a settlement offer for this debt with the agreement upon receipt of payment, the referenced account will be removed from Security Collection Agency, any collection agencies, and credit bureaus. Please view my supporting documents from XXXX XXXX XXXX XXXX. However, Security Collection Agency is still reporting this debt.
This is regarding Costco Citibank credit card payment of {$1200.00} which was received by Citi cards Costco on XXXX XXXX,2017 and was not posted to my account. For over 4 months of communicating with Citibank and repeated faxing of the information requested, I received a letter confirming the credit of this amount with associated interest.. however, when my current statement was received for charges through X/XX/17, none of these credits are reflected and the original amount and interest is reflected as " previous balance '' without any description. I again called Citibank and they have no record of the letter sent to me, nor any record of the numerous faxes sent to them at their request. To add insult to injury, they even took a payment made in a similar amount to another of my card accounts and credited it to the disputed account, without my permission. I am willing to provide copies of any or all of this information on request.
I had a voluntary repossession in XX/XX/2017. They sold my car at auction in XX/XX/2017. Every month theyve been adding money to the remaining balance. Everyone of my credit report show different balances from what they sent me after the car was sold at auction.
Best Egg approved my personal loan for {$32000.00}, but when I saw the high 14.99 % interest rate I did not accept the offer. This rate was only visible to me after approval. They sent me many other offers to try to lure me into accepting the loan, but the rate was too high for me from their advertised 5 % and 6 % rates. 

When they became finally convinced that I was not going to accept the loan, they sent me a letter declining my application citing insufficient income. I had originally applied for {$40000.00} and they approved me for {$32000.00}. 

The rejection lowered my FICO score and affected my ability to get better rate loans. I believe this tactic used by Best Egg is fraudulent, unethical, and vindictive and deserves to be fixed.
I have direct deposit on my NetSpend card and I lost my NetSpend card and canceled it and I have been trying to transfer the amount allowed to another NetSpend account and have been trying for three days now with no success because they keep giving me a hard time and i have called a total of 14 times in one day alone and getting some recording 4 times in a row saying they could not hear me and it was my phone that was having difficulty and each time was the same voice and same exact message pretending to speak to me when it was just a recording. also they went from giving me different information each and every time i called about how much money i was allowed to transfer and each time i was getting told the amount went lower and lower at the very end i was only able to transfer XXXX dollars, which makes me feel like i am being deprived of my own earning and they have complete control over my money. in the end i asked to speak to a manager or supervisor with the last 3 reps i spoke to and each time they were hesitant and made me wait more then 45 min each time to then lose the call when being put on hold, so i decided to wait another 45 min one last time and finally i was able to speak to management which also gave me a hard time. so they went from me being able to transfer XXXX in the morning to XXXX dollars by XXXX XXXX  a total of 1 hour and 45 min i think is not fair or comforting plus they would not give me contact information on anyone above them to contact and kept telling me that they would send an email to them and i would be contacted in two days. lastly it has been more them 2 months that i expedited my order for a new card which i was charged and was to get in the mail within 2 days and never have recieved it and i have called many times about the matter each time being told that they will send a new one and cancle the last one ordered so that why i have to keep transfering money to a new card each time and being charger XXXX dollars for each transfer which is robbery when they are failing to meet my needs as a customer. this is my hard earned money and they are holding and keeping it away from me.
I started school with XXXX in the program of CDD which was computer aided drafting and design. The school had tactics that lied to me. Stating that they were only taking part of what was in the loans because financial aid would cover the rest. They took all the loans for all the period I was with them. I never saw any of the paperwork that we 're getting me to sign. They would make me sign it or I could n't attend classes. I graduated in XXXX of XXXX, started in XXXX of XXXX. Can not get a job in the career I studied. And now can not refresh my studies like they promised to be able to try to get a job in my career. All products were highly outdated. School teachers did n't even have the credentials to be teaching. I even taught a class in their teachers absence because I had good knowledge and a XXXX gpa in classes. The loans are a joke. The initial loan was a little over {$25000.00}, now it 's over XXXX just interest has doubled it. I have made payments when it was XXXX XXXX, but then they changed to navient and they show as if I have never made a payment to them. I 'm sick of being harassed about deferment, because I ca n't get a job in my career.
On   XXXX   XXXX  , 2017, I called Consumer Services Early Warning Services about receiving my report and placing a security freeze on my report. They told me they do n't do security freeze even though they are a reporting service. This is a violation of my rights under the FCRA.
I use XXXX XXXX and was notified today XXXX that someone accessed my credit score without my consent.
XXXX XXXX calls multiple times a day, and leaves no messages. They are just calling to harass me.
Hi, XXXX replaced the roof of my house and put cost on a credit card. The work is not done ( incomplete ) and I contacted the number on the statement for a dispute, and I was told that they are unable to help me with the dispute.