WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. XXXX, Transunion, and XXXX XXXX XXXX ( XXXX ) are all refusing to remove fraudulent information from my credit report after providing verification from XXXX that the tradelines were successfully removed from their report. Transunion and XXXX claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, XXXX, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all three entities. I have repeated multiple times and made it very clear that I have never paid XXXX and never will. XXXX is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves XXXX engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. XXXX is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several XXXX employees told me this action was to prevent the account from being charged off. The account should have been charged off XXXX XX/XX/2013 according to the original default date. Somehow XXXX managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also, Transunion is reporting that one of the 4 tradelines is closed/paid in full and the remaining 3 are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into Transunion, XXXX, and XXXX. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you
Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from Gross Polowy LLC Attorney XXXX XXXX, XXXX, on behalf of XXXX XXXX and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sent XX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.
I had a repossession back in early XX/XX/XXXX with a balance of 2100.00. I purchased a vehicle for my sons father and he did n't pay when we split. In XX/XX/XXXX, I disputed the debt after 7 years and the repo was taken off my credit report. Today I received a letter insisting I pay the debt. There are Barr laws in NC. I have n't heard from this debtor in years since I had the debt removed from my credit. It 's been 10 years.
Took out a student loan for XXXX University in XX/XX/XXXX for just that year to pick up courses. I was eventually charged over {$33000.00} for one year of online classes. I do not know how it became so expensive ; I did not sign for that much money. How is it possible to spend that much? I feel like I am being ripped off. I think the loan company is taking advantage of me and adding to my loan. I have been paying twice a month ( averaging {$400.00} per month ) since XX/XX/XXXX and it is still over {$20000.00}.
My complaint is regarding unethical late fees charged to my account. My first payment was made late and thus a late fee was assessed appropriately. However, the agent had helped me set up automatic payment after that payment to avoid any late fees. However, even though the automatic payment was set up, their system did not process the automatic payment resulting in me falling behind two months and having two late fees charged to my account. In addition the customer service rep, XXXX, from their collections department in XXXX, Arizona, informed me the automatic payment was set up to collect funds after the billing due date, which would have resulted in late fees being applied every month and automatically being taken out of my account had the automatic payment not stopped working. I think this is a thematic issue and could be affecting other individuals whom have had their automatic payments set up to have funds taken out after their billing date ( with the help of Chrysler customer service representatives ). XXXX requested her manager to refund my late fees however, her manager refused. The manager 's name was not provided to me over the phone.
Today XX/XX/2017 i received an alert through XXXX XXXX that XXXX XXXX made a hard inquiry on my credit. It reflects on all the three credit reporting agencies as there has been a drop of about 123 points in one of the scores. I wish to state that i did not authorize the inquiry and therefore its fraud. Their contact is XXXX XXXX XXXX XXXX XXXX missouri XXXX XXXX XXXX Kindly please investigate this urgently XXXX XXXX XXXX last four of ssn XXXX
Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . 
When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. 
My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.
Spoke with Legal department and clarified that I had never received a validation of debt, have no clue the reason in XXXX 2017 they invaded my privacy and pulled my credit report without permissible purpose. My wife had made a complaint about them as well. This is fraud and a person should not be able to snoop or pry into a credit report unless given permissible purpose. Please have company state the reason and the debtor they were representing when they invaded into my account and the reason they never sent a validation debt letter.
I co-signed a loan for my daughter for a car. She was responsible for the car although my name was on it I never drove it once. I found out they are threatening to repossess it and i called Consumer Financial Services. I asked them to work out a payment plan of XXXX every 2 weeks starting XX/XX/XXXX and they refused saying my daughter had broken many promises to them. I was offering to pay this myself though! I have never made a payment with them and I think they should give me a chance. 
Then he went on to say that he would garnish my wages. I live paycheck to paycheck and can not afford this. 
All i want is a chance to get caught up between me and the company, not my daughter.
I have previously sent my FTC Identity Theft Report to Equifax on XX/XX/2018 to block a fraudulent account reporting on my credit file. Equifax outright refused to block the fraudulent account stating that their company policy is to violate US Federal Law by opening an investigation instead of blocking within 4 business days as required, and I have requested the help of the CFPB to make sure Equifax complies with US Federal Law ... the FCRA statute is very clear as to what Equifax must do to comply. IF I HAVE AN FTC IDENTITY THEFT REPORT, EQUIFAX MUST HONOR MY REQUEST TO BLOCK THIS INFORMATION. I have enclosed my FTC Identity Theft Report, driver license, social security card, proof of residency, and FCRA 605B. I also attach a copy of my Equifax  credit report highlighting the fraudulent account that is the result of identity theft and does not relate to any activity I engaged in or authorized or benefited!
So first off let me start off by saying. I have a XXXX so if this is hard to understand thats why. So my story now. I have a credit card with Capital One. I am trying to fix my charging privileges and restricted status on my account. I have sent them certified letters, I emailed them, And I have called them. But I feel like I am getting treated with neglection. They told me I was suppose to pay off my bill by a certain date. They also said I have recovered a award letter to get my privileges back. But sense I did n't pay the bill by the certain date they revoked my privileges. But I am disputing this item for you to review because I did pay this item by a certain date. But the only problem is there posting period took longer then usual. So they revoked my privileges. I am willing to work with this creditor I tried. But they did n't work with me. So if they do n't work with me. I will be releasing a public press release online about this company for neglect ion and unable to work with someone that has a XXXX that just wants to rebuild there credit. So if you can work with this creditor and get them to work with me that would be progress. I feel like I have been treated with neglection here. Thanks
Some one has stole my SSN and used it as well used the last name XXXX and it 's XXXX. There was credit cards and other charged accounts that I did not know about as well.
In XX/XX/XXXX I refinanced my student loan debt with Navient ; at first the total payment each month was reasonable. However, after updating my account ~ 6 months after my loan closed to add direct debit, they increased my interest rate. At the time, I was very young and despite multiple calls to refute the increase citing that the only thing that changed was adding a direct debit which was, in fact, a bonus for them, they refused to change the rate. Now, ~10 years later, after actively reading up on on predatory practices performed by these vendors I realize I was a victim. My goal in reporting this complaint is simple - I want the original rate honored and the over payment Navient has received in error to be applied to my account. I am lucky enough to be able to pay for my loans each month ; I am disputing that. However, I grew up in extreme poverty and loan debt was the only way for me to achieve my college dreams. I had no financial support and no guidance and was taken advantage of by this company. Now as an adult, I am outraged. In the grand scheme of things my issue is not as egregious as some cases I have read about, but it was unethical and predatory and should be addressed. 
I currently owe {$30000.00} on a {$50000.00} loan -- they have received over $ 20K in principle to date. I have been paying on the loan since XX/XX/XXXX. I did take a grievance period in XX/XX/XXXX-XX/XX/XXXX due to a high expense for dental work that I could not afford and was not covered by insurance due to the problems typically being addressed in adolescence. I hope you can help me. Thank you.
Fay Servicing is actively pursuing foreclosure. I requested a payoff statement from them on XXXX XXXX, 2017 and as of XXXX/2017 we have yet to receive it. I contacted the company on XX/XX/XXXX regarding the payoff request and they could not pull it up in their system nor provide the payoff information. I also requested a status on the foreclosure and was told it was in " active foreclosure '' I asked for an explanation and they said it is active foreclosure and early in the process. I asked again for what early in the process means since I have not received any foreclosure information and they refused to provide any further details.
tower loan contacted the individuals whom i put down as references in the event i could not be reached and shared information other than whomever was calling and a telephone number. they told they my loan was delinquent and legal actions would be taking if i did not contact them soon. they also called me multiple times per day alomg with my references. this is very unprofessional and a breech in company confidentially i also have a voicemail where information more than contact information was left amd received calls from cellphones before as well.
Bank of America says that they offer their customers a {$0.00} liability on unauthorized charges, but they hold me responsible for unauthorized charges and are in the process of wrecking my credit by reporting me as delinquent on fraudulent charges.
I closed an account with XXXX XXXX in XXXX. The amount owed was {$XXXX} for cancel fee. This was paid. I was then contacted by a collection agency requesting the amount of {$XXXX}. At that time, I was not aware that I could request validation of the debt, nor was this on the statement. 
On XX/XX/XXXX, I sent a letter to the collection agency to request the current balance and address to send a validation letter. I did not receive a response and then sent a letter to the credit bureau on XX/XX/XXXX to request that this is removed from my credit.
I had defaulted on a XXXX  XXXX XXXX Credit Card sometime between XXXX. I was contacted by the XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX in XXXX. I made monthly payments for over 2 years. I can't remember when they started and I can only access XX/XX/XXXX to present statements on my account. In XX/XX/XXXX the auto draft did not hit my bank account. I called a the office and they told me I was paid in full. I asked her to send me a letter. This is right about the time my father died so I'm not sure if I got the letter or if I misplaced it. I have had several collection agencies contact me since then to collect. The Law Office phone number is no longer active. I just received another letter for collection, Dynamic Recovery Solutions XXXX. I was able to get bank statements as far back as XX/XX/XXXX - XX/XX/XXXX which show the monthly payments. If needed, I can ask my bank for more statements. Can you help me with how to proceed?
I took XXXX money orders in the bank I received and specifically ask the clerk to check them to see if they are good. she came back and yes and deposit the money Into my acct. And said that the money was available immediately. I took out XXXX then 4 days later they said XXXX money orders came back bad .I went to bank with XXXX to pay for all the MoneyOrders. even thou the last one still was n't back. The banker took the balance of the XXXX money orders and put the rest into my acct. Knowing that the last money order was coming back as well. The next day I called to inquire about the last money order and was told that it came back and it was clear. So I used the money in my acct. And XXXX days later they called and said that the last money order came back bad. I was threaten that if I did n't pay for money orders it would come out of my ssi that 's direct deposited I refused to pay the last of the money order so they turned me into check systems. but I was removed and beat that. I was n't aware that the money orders were part of a scam. So I was a victim and then the back lousey excuse for there failure is more then impossible to believe. It still haunts me today. I tried to do the right thing and the bank made it worse then the scammer. They tried to deny that the bank told me the last money order was clear. It was a lie because when I was over drawn for the XXXX money orders they blocked my atm card until I paid the balance they activated it again well that bite it did n't work so that 's when I called the bank to see why and that 's when they told me that last money order was cleared. And apparently it was n't according to there statement. But the atm alloys me to take XXXX extra from it. Does n't make any since the atm will not do that. They were holding on to this last m money order until I spent the money. It does n't make " since if there was XXXX money orders only XXXX came back. No way ... this is how I came to be aware of the debit credit that they all of a sudden made up. There is no such thing and everybody who has one is being ripped off. If you look on most banks web sites they donot say anyhing about a bedit credit card.only is it a credit card is when you ca n't put your pin no. In for a transaction. Who new this?? Who new that when you pay your Bill 's at home or online that they are n't being paid for maybe XXXX days. That your money comes out of the bank and made a iou slip until the merchant comes picked it up. In the mean time use your card as debit and you can use the money you had for Bill 's. Then you become overdrawn and the bank charges you a fee. Its ironic how America waant aware of banks doing this to your card. I knowv citibank and XXXX XXXX XXXX does n't even mention this type of card. it 's either a debit card or a atm card. Wake up America the banks are stealing your money and living on your bank fees..
Synchrony bank has consistently been harassing my ex boyfriends parents when there number was never given out. I am going through bankruptcy and the debt will be taken care of after my discharge. I do n't appreciate people knowing my business when I no longer speak nor see them
I would like to state that Equifax is reporting a lot of duplicate account from XXXX XXXX XXXX XXXX to my account. XXXX XXXX confirmed this as a fact on my previous dispute against their company. Equifax has refused to delete all the duplicate account of XXXX XXXX accounts. I hereby authorized Equifax LLC to release validation of their proof on reporting inaccuracy to my credit profile to the Consumer Protection Bureau immediately.
I took out a debt consolidation loan for XXXX and was charged an exorbitant fee of XXXX for, what they call, an origination fee which was not reasonably disclosed in the agreement.
We had some problem in  XXXX  due to financial difficulties, however, since then, we have been paying the mortgage on time. In  XXXX   XXXX , we filed for chapter  XXXX  temporarily against some body who filed a lien. we managed to dismiss the case and dismissed the chapter  XXXX  bankruptcy. The mortgage company were not part of the bankruptcy court but we paid them on time and sent the proof to the trustee. However, after dismissing the bankruptcy case, the mortgage company has been harassing us, telling us that we are behind for 2 months, their correspondence is not valid and we have proof that they got paid every month. Waiting for them to correct their info, but they have been refusing. We believe that because of the bankruptcy case, their action is not but harassment, they have been reposting since  XXXX  of this year derogatory on our credit report, and nothing we do or even send them proof of payment for the past 3 years, still, they are so arrogant, bully, and dismissal. This has been causing us tremendous stress, especially they have been threatening with foreclosure.
I had a XXXX XXXX unit in XXXX NY when I was overseas. After I returned to the US from overseas in XX/XX/XXXX, I had closed my storage unit with XXXX XXXX at XXXX in the month of XX/XX/XXXX. The monthly autopay was set up with XXXX XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX I had requested XXXX XXXX to freeze my account but they failed to do so. Inspite of closing my account for the month XX/XX/XXXX XXXX XXXX fraudulently charged my account for $ XXXX/-. I disputed the same with XXXX XXXX XXXX XXXX XXXX with all my back up documents and the vacant storage unit receipt and they did not help me at all. Instead kept adding late charge and raised the level from $ XXXX/- to $ XXXX/- and reported my account as a charge off to the 3 credit bureaus. Since then my credit scores have been tremendously effected and the incredible low score has blocked me from getting a mortgage I had applied for. I feel this is malicious retaliation and I am not willing to put up with this wrongful act any longer. Please help me in resolving this reprehensible act created by Santander and XXXX XXXX.
My Chase checking account was suddenly " blocked '' XX/XX/XXXX with no prior notice, which I did n't discover for over a week. They told me it was because they needed additional information. I asked why I was n't contacted to ask for the information. They said they mailed me a letter XX/XX/XXXX. I never received a letter. At first they could n't find a date or any other proof that a letter was sent. Upon further research, they discovered it had been sent to an address I have n't lived at for 2 years. I had updated my address a long time ago, and they indeed had it on file, and I have received other correspondence from them. No reason was given why they sent it to an old address. I went into a branch and answered all the questions that were asked. It took a day to unblock the account. A week later, it was blocked again! I was told it was because they needed additional information because the account was in a trust. Why did n't they ask me all the questions the first time?!? Again, no prior notice of the account being blocked. The banker at the branch told me he asked all the questions that appeared on his screen. He spoke on the phone with corporate, and neither one seemed sure of what the requirements were. Nobody ever answered why these questions were necessary, just that it was " Chase policy. '' Upon talking with my financial advisor, I discovered it was due to a new regulation that all banks have to adhere to. Chase never told me this. I wanted to close the account, and was told I could n't do so until the account was unblocked, which would take a day or 2. It has now been unblocked again, I have already been charged one fee ( which Chase reimbursed ) for a payment that bounced back because the account was blocked. I do n't know yet if there will be others. 
How can they just arbitrarily block people 's accounts with no notice?!?