WillisBack/dataset-financial-user-claim huggingface dataset:
I just received a phone call at XXXX XXXX  from XXXX XXXX   claiming that she was doing a curtesy call and that she was a lawyer trying to do a follow up of a complaint I made thru you guys against a payday loan and XXXX XXXX  she when I then asked to clarify who she or what company she was from and then stated XXXX XXXX  I said I should not be talking to you if your the one I am making a complaint to and that she should not be calling me she should be giving the CFPB a response to my complaint not following up to me directly regarding the complaint seeing that she also stated that she is a lawyer she should of known that and not reached out to me to question me about a complaint made to XXXX XXXX  the fact that she went behind and directly reached out to me is not what she was suss posed to do not know where's when I make this complaint nor when I submitted that complaint did it says that the person that I made my complaint about would reach out to me the CFPB stated after and in the following email that as soon as you guys recieve a response you will follow up with me of the response from the business not that the person said complaint was against would reach out to me that is a lawyer tactic she was trying to get away with thinking that I would not catch on I do feel that she reached out to me as a tactic to so called get me to incriminate myself per say by saying something not as the same for first complaint I feel she was not proper and that a lawyer with any professionalism especially someone with XXXX XXXX  would know not to call me as well as making a what she called it a curtesy call before she gave the CFPB her response the call lasted 6 minutes as recorded on my call log
I have been making on time payments with Chase Mortgage and it showing on all three bureaus XXXX, XXXX and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to Chase twice this year, with no response.
I have reached out to Wells Fargo many times to try to reduce my monthly payment for my private student loans. They have reviewed my finances two times in the past two years and determined based on my gross income that I can afford the monthly payment. They do not even take into account the other student loans I have or my monthly living expenses. One time I was told that I should get my co-signer to pay if I ca n't pay. When I told the customer service representative that my co-signer could not pay, then he apologized and said he could not do anything for me. I asked to speak to his supervisor and he forwarded me on to the supervisor, who told me the exact same thing. One representative asked me if I could borrow money from another person to pay my loan payment. I called multiple times prior to falling behind on my loan payments, and they refused to work with me to reduce my payments. Every time they mention a deferment, they say that I need to make a payment to bring the loan current. When I tell them that I can not make a payment, they again bring up that my co-signer should be helping me make the payment, and say there is nothing they can do until I make a payment. They have offered to put me on a deferment but I need to make XXXX consecutive payments in order to get on the deferment. When I tell them that I absolutely can not make the payment, they again say that there is nothing they can do for me. They bounce me back and forth between different departments, and when I ask to speak to their supervisors, they will sometimes transfer me to a person or someone 's voicemail, and they will tell me the same thing. They have sent numerous threatening letters and call both myself and my co-signer often daily and say in the letters and phone calls that they have tried to get a hold of me. When I call them, they tell me the same exact thing-either that I will need to make some kind of payment to be put on a deferment, or that I do not qualify for a payment reduction/change in my payment plan. Every time I ask the representative what I should do since I can not make the payment, they say I 'm sorry, there is nothing else I can do for you. I applied for a consolidation loan and they declined me, although they keep suggesting that I apply for the consolidation loan every time I talk to a representative. They refuse to work with me-they offer options and then tell me I either have to make a payment or do not qualify for the options. They have offered no real, viable options to help me afford my monthly payments.
There are 3 accounts on my credit file being reported by XXXX  # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX   reports 60 days XX/XX/XXXX Equifax reports XX/XX/XXXX Experian reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.
XXXX is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with Kia and Kia is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. XXXX needs to send a representative to manually check the records of Kia so that it can be reflected on my credit report that I have a XXXX balance. Kia is lying about this account so XXXX  needs to properly investigate and this account needs be updated to a XXXX balance immediately.
Hi there, on XXXX/XXXX/2015 while I as in XXXX on a business trip I got Victim of a XXXX and I got XXXX, they took my wallet with all my credit cards, money and Id 's, cellphone, Jewelry ( XXXX ). These people got access to all my credit cards and made heavy use of it. I notified the police in XXXX police report # XXXX right after I was able to and also all the financial institutions in XXXX . for my surprise XXXX of my credit cards from bank of america XXXX master cards the fraud department is saying the transactions are valid and i 'm liable for.
I had fraud accounts on my credit report and I informed Transunion several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX # XXXX XXXX XXXX : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX  and they informed me not to make a payment till the dispute is in progress for XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress foXXXX XXXXXXXX XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account.
My husband and I took out a home equity loan with Wells Fargo Bank in XX/XX/XXXX. The terms of the loan stated that an interest discount would be given for automated payments. Additionally, we were given a notice stating that if we chose to discontinue automated payments, the interest rate of the loan would increase. 
In mid-XXXX of this year, I received a notice from Wells Fargo stating that they had moved my account from the Home Equity to the mortgage portion of their company and that there was a change in interest calculations when automatic payments are scheduled on a weekend or holiday. The letter stated that if payments are scheduled on a weekend or holiday, they would be taken out on the next business day and interest will accrue over the holiday. 
This leaves me in a catch-22 situation. If I do not pay using automatic deduction I will be charged additional interest, and if I use automatic deduction I will be charged interest on the time over the weekend or holiday. 
I have called the company and talked to numerous representatives over the past month. I have offered to have them take out the payment early on weeks that the payment date falls on a weekend or holiday. After explaining that I could only talk to a representative in the evening, they assigned me to a representative who leaves at XXXX and made a habit of calling me at XXXX in the XXXX at home. I was told that a resolution would be reached by XX/XX/XXXX. XX/XX/XXXX came and went. When I called again I was told that I would have a resolution by XX/XX/XXXX. That date came and went. When I was finally able to reach her today, she stated that yes I would be charged additional interest if I chose an alternative payment method, and that the post dating of payments was a courtesy, not in my contract. 
I have a pretty good memory. I remember specifically asking about interest on payment when the loan was originated, so I went back to my original contract. On the page of the loan titled " Installment Loans and Line of Credit Payments '' It specifically states " If the account 's payment due date falls on a weekend or holiday, payment will be credited as of the date due on the next business day. '' Clearly, the representative is lying to me. The bank has changed the terms of my signed loan contract and is attempting to dismiss my complaint against them.
I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all XXXX credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all XXXX of my reports. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX
Due to working away from home and also moving to a new home, I do not have all of the exact dates and documentation. I also thought the matter had been resolved.

When I went to the register to purchase my items at XXXX XXXX sometime XX/XX/XXXX, the cashier asked if I would like to earn points for future purchases. She explained the promotion, however, never mentioned that I was applying for a credit card. I entered some information on the XXXX XXXX and also presented my XXXX XXXX XXXX. When I walked out of the store I thought the purchase was charged to my XXXX XXXX XXXX.

When I went to the next store to pay for my items, I could not find my XXXX XXXX XXXX While looking for my card, I found the receipt from XXXX and then noticed the recent purchase was not charged to my XXXX XXXX XXXX. I immediately went back to XXXX   and asked them to return my XXXX XXXX XXXX ( which they did ). I also asked them to remove the recent transaction from their card and add it to my XXXX XXXX XXXX. XXXX refused to do it. I then called XXXX ( credit card company ) to cancel the card and they said they could not do it.

When I returned home from work in XX/XX/XXXX, I received a bill from XXXX/XXXX. I called XXXX to pay the bill with my XXXX XXXX XXXX. They refused to accept it, and said I must send them a check ( which I did-see attached ). They said they would waiver the late fee after I explained the events that occurred at XXXX  and that I was out of town. However, further statements came with some fees that did not make sense. I NEVER made any new purchase and I asked them to CANCEL the card several times in the past 2 years.

I made numerous calls to XXXX  and was always assured a XXXX  balance each time. Because of my physical move, the only documented conversation I have with XXXX is with XXXX, Confirmation # XXXX,XX/XX/XXXX. The XX/XX/XXXX balance was {$55.00} ( see attachment ). The latest XX/XX/XXXX bill balance is {$17.00}. No new purchases have been made. They removed portion of the fee???

This has hurt my EXCELLENT credit rating.
I purchased a new vehicle and financed it with XXXX XXXX in XXXX. Later XXXX XXXX was bought out by XXXX XXXX XXXX. I lost my job and could not pay my loan and was first delinquent on XXXX. XXXX XXXX XXXX XXXX never reported the first date of delinquency. I have wrote letter after letter to the credit reporting agencies and contacted XXXX XXXX XXXX in regards to not reporting a first date of delinquency. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating that account number XXXX was found in error and that a correction is required. This dispute was done by XXXX XXXX ( Credit Dispute Specialist ) at XXXX XXXX XXXX. In addition to the letter, I received a form from XXXX that shows the FCRA 1st date of delinquency as XXXX. On XXXX XXXX, XXXX I received an apology letter from XXXX XXXX ( Problem Resolution Services ) at XXXX XXXX XXXX. At this point, XXXX XXXX XXXX was reporting this CLOSED account as being paid as agreed and was still NOT reporting the 1st date of delinquency. This account was changed from a negative reported account to a paid as agreed account. I feel that this was done to keep the negative information on my credit file. I have wrote dispute letters to the credit reporting agencies and XXXX XXXX XXXX. I have a file full of letters and saved credit reports that prove XXXX XXXX XXXX and credit bureaus have been dishonest. Around XXXX XXXX, I sourced a paid copy of my credit report and XXXX XXXX XXXX still shows a paid as agreed account with no first date of delinquency and negative information. Remind you that this account aged out as of XXXX. I wrote a dispute to Equifax who in return contacts XXXX XXXX XXXX who continues to be dishonest. I supplied Equifax a copy of the information that XXXX XXXX XXXX sent me showing the first date of delinquency as XXXX. The representative at Equifax states that XXXX XXXX XXXX has still NOT reported the 1st date of delinquency and that is why the account still shows on my credit report. Equifax refuses to remove this negative account from my credit report. The representative at Equifax states that Equifax is reporting the information off of last activity date from XXXX XXXX XXXX. I informed the Equifax representative that this type of report is not correct. I have saved all of my letters and copies of my credit reports to prove my case that XXXX XXXX XXXX and Credit Reporting Agencies have been dishonest. In XXXX XXXX, I filed a compliant against Transunion and XXXX XXXX XXXX for this same issue. I was informed by a Transunion representative that XXXX XXXX XXXX was tell XXXX that the information is reported correctly. Remind you that I have supplied proof of letters from XXXX XXXX XXXX, XXXX decision to remove XXXX from my report, and copies of the disputes that I have filed with CFPB. As you can see from past complaints file with CFPB, this has been an ongoing issue. I expect my government to protect me as a consumer. I also intent to file legal action in federal court against XXXX XXXX XXXX and Equifax. Please feel free to contact me if you have any questions. My phone number is XXXX. Thanks for your help and time.
upon terminating my account before relocation XX/XX/XXXX, I entered into a early termination agreement with XXXX to pay {$20.00} per mo. until balance of {$330.00} was paid in full. I have honored that agreement with payment receipts up to XX/XX/XXXX ( please see attached XXXX 's payment record ) The remaining {$110.00} I mailed to XXXX XX/XX/XXXX in the exact same way as I had the many payments before. In the form of a money order, the exact same address as before. ( please see attached money order copy for {$110.00} ) On XX/XX/XXXX my credit report shows this {$110.00} listed as in collection. ( please see attached, my letter to XXXX dated XX/XX/XXXX making them aware of there violation of my rights under the Fair Debt Practices laws ) XXXX & Diversified Consultants , Inc . Response : ( please see attached letters dated XX/XX/XXXX & XX/XX/XXXX ) XXXX says they had not received my payment, and advises me to contact the money order company to see if money order had been cashed. ( please see attached XXXX letter dated XX/XX/XXXX & money order copy ) Diversified Consultants, Inc. letter confirms the debt I owe. ( please see attached letter dated XX/XX/XXXX ) The violation is that this letter of first communication is four months late. Therefore denying me the right to dispute the debt if I owed it, under fair debt protection law. Please note that XXXX 's own payment record shows that I was payment current as of XX/XX/XXXX ( please see attached XXXX payment history record ) This shows there was no reason to report collection on my credit report. Because the grace period between payments had not expired. Record shows first report to my credit report was XX/XX/XXXX. ( please see attached letter dated XX/XX/XXXX making XXXX aware of the violation of my rights ) XXXX has yet to respond to this letter dated XX/XX/XXXX where I 'm still trying to settle this matter. I tell them that I took them advice and contacted the money order company, and found that the money order had not been cashed. and explained that XXXX XXXX money order refund would take up to 45 days. and as my letter goes on to say. I would send another {$110.00} to XXXX in return they remove the collection from my credit report that according to evidence should not have been placed there anyway. Know response from XXXX as of present, but I have received refund from XXXX XXXX less {$18.00} fee for refund. ( please see copy attached ) Please investigate and have removed from my credit report. Thank you for your time in this matter. for it appears they are parking the debt on my credit report.
Wells Fargo has refused to put me in contact with the " single point of contact '' assigned to my account and has refused to discuss options within a reasonable time frame for resolution on a mortgage to a property I no longer intend to keep. The loan was current when I asked for cash for keys or similar solutions. Now the home is three months past due, occupied by vagrants and squatters and sits in ruin. Still no call from the appropriate person at Wells Fargo and continued unnecessary damage to me credit. A resolution is demanded as of three months ago, and WF remains uncooperative.
I was contacted by XXXX, XXXX thst I owed quite a large amount to XXXX the debt collector informed me he was able to make a settlement to clear the account. Two days letter he called back and gave me a figure of {$670.00} I gave him a check he claimed they deal with XXXX in regards to this settlement I got a letter that I still owed and called tranworld and said it takes time. Two months ago I get a large bill from XXXX suspending my registration I called XXXX they never made a settlement with them I have been trying to get the correct information from transported but the run around this is very dishonest and they are still trying to make like they want to help And today tried to make me a new settlement my lively hood is needing cars to go to work. I feel they pulled a number in me since they tell u anything to make a commission and I want my money back with interest. Please help this is a hardship for me and terrible that you put trust in a world wide company to do this not to me but lots of others.
I have previously asked that this account be validated that I owe it by ProCollect way back on XX/XX/2018. 
They have yet to do this. 
They sent me a suspect " copy '' of an alleged lease that they are claiming I owe. 
The lease is to " XXXX XXXX '' apartments. What this has to do with ProCollect is a mystery to me. Unless Procollect is a subsidiary of XXXX XXXX this does not show that I owe Procollect anything. 

I've attempted to get validation through all three credit bureaus at least twice and they refuse to validate or remove from my credit reports violating my FCRA rights. 
I will be filing a complaint with the XXXX and FCC office along with this. 

Secondly I was NEVER notified of such alleged debt nor that I had the ability or right to dispute it within 30 days. I'm asking for proof that the notice was sent to me at a legitimate address of mine. 

I have attached the original letter sent to Procollect and date along with a dispute to XXXX credit bureau.
I tried to put a freeze on my and my husband 's accounts at Equifax. They took my husband 's request but denied mine - I have a copy of the denial. It suggests that I mail them my information - including my social security number. Are they crazy to ask me to send my data via unsecured postal mail? They obviously do not understand security risks. 
I checked if my data had been compromised on their site and they said probably. To add insult to injury they also charged the {$5.00} fee for the freeze to my credit card even though they did n't process my request. I tried to call but after 16 minutes of waiting to be connected someone answered and hung up. When when I tried again all circuits were busy.
I have put freezes on the other 2 agencies so am only concerned about Equifax. Can you as an agency make them notify anyone who 's information has been compromised whether or not they have their credit monitoring protection? I should n't have to enroll to be protected if they are responsible for compromising my information. 

Thanks
I had a issue with my ex wife in XX/XX/XXXX and we went thru a 4 year divorce and bills were handled in the divorce court and my ex wife 's bankruptcy. Now XX/XX/XXXX I am getting these calls from Dynamic Recovery Solutions, and they will not listen and call me at work even when told not to, they call every morning at XXXX. XXXX XXXX is the Ops Manager, address of XXXX XXXX XXXX. XXXX South Carolina. XXXX.