WillisBack/dataset-financial-user-claim huggingface dataset:
for XXXX entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, I guess because its multiple accounts. i called to inform them of this. Conns have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you
AMR called attempting to collect on a small XXXX bill on XXXX/XXXX/15. XXXX left a message concerning " personal '' reasons. I called back and talked with XXXX XXXX ( female ) who then stated it was a debt collection and asked to verify me. She then told me my birthdate, last XXXX of my social, and an old address and asked if this is me. I stated " sure '', surprised that even if it wasnt me I could have said yes and gathered all that information given and stole my identity. I then told her it was an old address and asked what it was regarding. The collector became rude and short tempered. I asked for proof of the bill. she stated it was mailed out. I told her obviously they had the wrong address and I had given her the correct XXXX. She stated they " didnt get the mail back '' and told me she would mail a new statement out and hung up on me. I was surprised by the unprofessionalism but more importantly that she gave my information freely to anyone. If I hadnt been me, would she have asked the person to forget all that information she just gave out. I called back and spoke with a supervisor, XXXX, who apologized and stated they would pull audio recording and review and a supervisor would call back. I was called back by XXXX who stated he was a supervisor and had reviewed the audio. XXXX stated that the collector " followed the letter of the law '' concerning my privacy. That he apologized for her behavior. No laws were broken and as a matter of fact they had other bills in office for my name, my sons name, and my daughters name and now we will send you all of these so the original amount we stated was wrong. ( another violation- attempting to collect an incorrect amount for a debt ). He stated again that the letter of the law was followed by giving all the information out and asking " is this you? '' before giving out additional information. I am EXTREMELY uncomfortable with anyone having my information and giving it out so freely. Isnt this a violation of the privacy act?
As an employee of this company, part of my job was to try to sell customers a 3rd party product called XXXX XXXX. I actually believed in what I was selling people and added XXXX XXXX to all 5 of my accounts with them. So, every month my statements would reflect the amount of the current balance that paid for the XXXX  XXXX, based on the dollar amount owed on the card itself. 

This was supposed to protect me and my credit should I not be able to make my payments. It would either make payments until I could go back to work or, in the event of complete and total XXXX, pay off the balance owed on the account. 

I was injured in XX/XX/2014, and I was never able to return to work. I am now considered XXXX XXXX  XXXX through the Veterans Administration. I reached out to Account Assure when I was no longer unable to make the payments, at that time I was still on short-term XXXX insurance through the company. I submitted everything that was requested and they never stepped in to help. 

Both the creditor and the 3rd party knew that I had the coverage. Every billing statement bore that out. Even though I was led to believe that the creditor was going to assist me in getting XXXX  XXXX to provide the coverage that I had been paying for, instead they simply turned over the two accounts with balances for collections and then closed the 3 other accounts which were in good standing.
I have been fighting a fraudulent mortgage situation for over 4 years now. Original lender claims to have sold the loan in XX/XX/XXXX. Caliber Home Loans claims to be the new servicer. Servicing transfer took place in XX/XX/XXXX. Caliber began sending me monthly statements in XX/XX/XXXX. Prior to the loan being sold, original lender filed a foreclosure action against me, which I contested and it is now sitting dead in the courts. Caliber has taken NO legal action regarding this account, and I have confirmed this by speaking with Caliber 's claimed attorney and also by checking routinely with my court clerk 's office. In other words, the " foreclosure '' status of this account has always been the same since before Caliber began contacting me. I have many disputes with Caliber, but Caliber has either ignored my disputes completely or has responded by answering questions that I have never asked. 
Caliber stopped sending me monthly statements after XX/XX/XXXX, and when I have asked about this, Caliber states to me that they can not send me a statement because they claim to be actively foreclosing on me. Again, I have spoken to Caliber 's own attorney, and have confirmed that Caliber has not taken ANY action against me whatsoever. I mentioned Regulation Z to Caliber, and how it requires them to provide monthly statements regardless of foreclosure status, because foreclosure status is not listed in the law as an exemption. The loan is a conventional loan, so the statute applies. I have not filed bankruptcy, and Caliber is not a small mortgage servicer under the law 's definition. Caliber refuses to provide me with monthly statements. I did just receive an " informational statement '' which appears to be what is provided when the consumer has filed bankruptcy, but again, we have not filed BK. This statement does not include much of the information that Regulation Z requires servicers to report to the consumer on periodic statements. I called Caliber today to ask about this, and was told that the statement was generated due to a payment that was made on the account. I did not make the payment they are claiming. I am concerned about the lack of monthly statements because Caliber has shown a pattern of adding fees and charges to this loan that are not legal, and without the monthly statements, I can not keep track of what is happening on that front. Caliber also has a history with me of changing their story on a constant basis, so that information provided today contradicts Caliber 's own earlier provided info. 

I am in the process of trying to resolve several other disputes with Caliber, but at this time, I am only disputing the issue of the monthly statements here with the CFPB. Caliber is required to provide this documentation to me in accordance with Regulation Z, as amended in XX/XX/XXXX, and is refusing to do so.
Our mortage was thru, XXXX, green tree took over the management, and continues to harass us, and threaten us, with civil action, consistent with their recent court loss for these same practices. They say we owe them money from non payment which is false. They have tried to modify our loan payment, and until recently called, daily, threatening us. 

We are current on our pay, mets. And have never missed a payment with them. What did happen is this. In/on XXXX 2014 we made our payment to XXXX. A day or two later we received a demand letter telling us, that green tree was now our mortage handling company. I forwarded a letter explaining that I had already made my payment to XXXX, I recently went to my credit union and retrieved the paper work, proving payment to XXXX, and forwarded that paper work to green tree. After providing proof of payment, we continue to receive demands for late payments, and they keep charging us late fees, for our payments, which were made on time, every time. 

I do not appreciate gree trees aggressive tactics, and am aware of their recent court loss of XXXX XXXX for this very same tactics. I have XXXX intentions of paying more then my mortage payment, or paying alledged late fees, for payments made on time, monthly. 

XXXX XXXX
This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #  XXXX  and   XXXX   Both companies alleged to have sent the results summary was sent to of you for review On    XXXX   XXXX     2017,  However as of toda y   XXXX    2017 I h  ave never received anything from   XXXX   o r Capital. The y have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :   XXXX ,  XXXX     XXXX   XXXX   XXXX     XXXX , CA  XXXX
I was sold a XXXX in XX/XX/2016, told the car dealership I did n't want to run my credit a bunch of times, was told that would not happen but it was hit 12 times and lowered my score from XXXX to a XXXX. I then bought the car and had a payment due XX/XX/XXXX, I never got a statement from the finance company until XX/XX/XXXX, with a late payment and with interest adding up, I still had gotten no tags or tittle and my car went without tags until XX/XX/XXXX or so, meanwhile I had a late payment on a car I could not drive, the dealership did nothing, I was 80 miles from them so I was n't able to go and make a scene. I am extremely upset but feel I have no options, so here I am so hopefully no one else does this.
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX  with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is XXXX XXXX XXXX XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX   XXXX  . This was not me
getting repeated calls from debt collection company, Bureau of Medical Economics ( that blocks their caller ID number, but I got the agent to give me their number : XXXX ) It is for a supposed medical procedure done by XXXX XXXX XXXX, XXXX that the company agrees is NOT a valid charge. They must have then sold the " supposed debt '' to this collection agency!!
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
My complaint is against Amazon and their contract with the predatory lender, Synchrony Bank. We have an Amazon Store Card through this lender, and I will spare you all of headaches, and get to the one that broke the camel 's back : The technique of lowering and lowering the credit limit, without cause, so that there will be no cushion and, hence, it is possible for them to use their bag of dirty tricks to hit you with multiple fees that generally amount to $ XXXX {$95.00} for a {$20.00} bill. Specifics : We opened an account with a credit limit of {$1200.00}, and being big book buyers, ran it up close to maxed. They would allow us to go over a few cents, then we would be charged steep fees for " over limit, '' they would also claim that they did not receive the payment on time even when we mailed the same day it was received, and so we took care of both of these by making the payment over the phone with electronic debit long before the due date and paying the bill down to {$600.00} so that were be a cushion and they could not say this-or-that-and-so you now have to {$110.00} instead of {$20.00}. So we paid it down to {$500.00}, they simply lowered it to {$500.00}, then to {$400.00}, {$300.00}, {$200.00}. So then I attempted to purchase on Amazon for {$110.00} ; when it did not go through, we were told that are credit limit was now {$110.00}. When? As of the moment I put in an order for {$110.00}. I made another payment, of {$50.00}, so I could get that {$1.00} and put the order through ; it was again rejected and we were again charged a total of {$55.00} for " over limit '' and attempt without funds. When a bank is this dishonest, you know they are doing many other underhanded things to steal from customers. What 's more, a company as wealthy as Amazon should not be contracting with a predatory bank. I have looked elsewhere do to business, but Amazon has it locked. That is something else business should look into -- when there are no viable alternatives, one person is at the mercy of the one Corporation. 
This kind of behavior should and would be bad for business, but when there is no where else to go, they misery of the customer is of no consequence.
The representative who helped me to make a payment told me that he is going to remove this as never charged, but still on my credit. can you please verify this and remove this for me? 
Thank you!
I took a private student loan with XXXX XXXX ( Navient ) in the amount of {$10000.00} with my mother as a co-signer in 2008. I was attending XXXX University in XXXX, FL. My new balance is over {$19000.00}. They offered a settlement amount of {$15000.00}. I am currently applying for SS XXXX and my co-signer 's only income is social security. We have both declared bankruptcy in the last year and have asked them repeatedly to accept a smaller payment amount and they refused so I am sending them a small payment monthly. They are calling on a daily basis and stating that they will not accept the payment I am making so I told them to send it back and I would report them for not accepting it. I am sending what I can afford. I have repeatedly asked that they quit calling my cell phone and they said that I had to send a letter. Which I am sending and now they are saying that they only have to follow that if " approved ''. I have told them if they continue to call after I send the letter I will contact my attorney. What options do I have?
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with verified and updated. After calling them, they told me if I believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my Experian credit report. Regarding the following inquiries. 1 ) XXXX XXXX   XXXX Inquiry from XX/XX/2017, & AGAIN on  XX/XX/2017. I have disputed these unauthorized inquiries for several months with no help from the companies or Experian. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature from all companies inquiries. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent. XXXX XXXX XXXX is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or XXXX XXXX XXXX. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am asking for these unauthorized inquiries be deleted from my credit file immediately! XXXX  & XXXX  have deleted these unauthorized inquiries and now I am demanding that Experian do their job and abide by the laws!!
I go to First Tennessee in XXXX in XXXX every XXXX weeks. 
Every time it takes XXXX mins. Today was even longer in the drive thru so I went in. 
There were XXXX women behind the counter and XXXX people in line. Those XXXX were also running the drive thru. XXXX min to make a deposit is absolutely an unacceptable amount of time. I will go somewhere that either has better workers or more of them.
I received Paper Statements for my FedStudent Loans. The XXXX send me a MONTHLY BILL on XX/XX/XXXX for {$38.00}. { See the following : Last Payment Received XX/XX/XXXX Current Payment Due {$38.00} Total Due by XX/XX/2018 {$38.00} } I paid {$50.00} on XX/XX/XXXX as my Loan was due XX/XX/XXXX. 
On XX/XX/XXXX, I received a new MONTHLY BILL as following : Last Payment Received XX/XX/XXXX Amount Past Due {$8.00} Current Payment Due {$49.00} Total Due by XX/XX/XXXX {$57.00} In other words, FEDSTUDENT LOAN SERVICING PURPOUSLY MADE ME IN DEFAULD OF MY PAYMENT EVEN THEY DEFINED THE PAYMENT OF {$38.00} FOR XX/XX/XXXX and in XX/XX/XXXX, they sent me a statement I am in a Amount Past Due {$8.00}. Thus, in a requested payment of {$38.00} I paid {$50.00}. 

Sending one amount request, and then making the student to be in a past due, defiantly will reflect negatively on the student credit/scores upon reporting. Such error is inexcusable, and must be corrected.
NACA - Neighborhood Assistance Corporation of America at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Has abused, harassed and neglected my file. I am a single women that has never purchased a home. The have asked me for the same EXACT paperwork 7 times since XXXX 2016. I have worked with 5 different counselors that have been fired. I was told that one of my counselors " lost '' my information and i needed to reply. There have been times I had to call up to 20 times and send up to 10 emails before I am approved. I do not see similarly situated people treated this way. Then when I am finally contacted I am told too many days have passed so my credit needs to be run again and that i need to pay to have it run. The reason so much time passes is because they do not answer my calls then force me to pay and have my credit run again. I only gave them permission ONCE to run my credit while they ran my credit another time without my consent. The first time they ran my credit they said they lost the forms and needed to start over. This is a complete mess. I would like to ask for a refund of my one credit check fee and also for my membership dues and the inquiry on my account removed. They are bullying me into running my credit. Since they know I do n't want my credit score to be lowered they just tell me they will have to run by credit once a month in order to get the loan and they keep telling me my file is complete and sent to underwriting and later i find out that it has not been submitted and that I am required to resend the SAME information again. This is becoming harassment.
I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX
I was another victim in the large scale Equifax hack. Like many others, it was suggested that I check the status of my personal information on their website, and after doing so, I was told that I should return at a later date, and was directed to a page with ads for their credit protection services, which given the situation, is entirely improper. 

Moreover, with the number of times that I 've moved in the last few years ( I just finished XXXX XXXX, and even moved in the middle of that for an XXXX ), I 'm having trouble checking my credit report through XXXX.