WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  XXXX   XXXX   XXXX . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between     XXXX   XXXX   after I have told them in the past to never call me at my job.
I am part of the wellsfargosettlement class action lawsuit. I'm confused about the acounts opened in my account, when my retirement savings account money began to disappear. I had basic accounts, I earned less than 2000 monthly. I was confused about the way my retirement savings was gone within 2 years. More than 40,0000. I have tried to get the bank to help me understand the situation. There explanation makes no sense. I didn't open 4 accounts. How do I get the reimbursement. Now the bank has my original accounts for my s.s. checks. Basically the same thing before my retirement Fund was available to the bank.
Macy 's Card Services customer service makes it almost impossible to pay my bill in a straightforward manner ( unless I paid in person at a store ). I have been unable to successfully obtain my credit information through my online account for the last several months in order to see a statement, pay a bill, or review purchases. *As a side note, although I have changed/updated my address to reflect a new location, this did not trigger in their system on XXXX side and information goes to another address ( happens to be a relative of mine - thankfully. I am concerned about their ability to maintain PII in check/identity theft concerns ). Furthermore, I requested over the phone to receive paper statements after having gone paperless previously in order to send in a check each time. I did not receive a paper statement consistently. Both the tech side and customer service side of Macy 's was unable to completely resolve the issue and hence, why I am writing to the CFPB. If the website were my only concern, I would not write this complaint ; however, here are several of my other concerns : 1. Customer Service line is busy each time I have called and eventually, the line goes dead or it states that they are too busy to answer the call and the line hangs up. The only instance where this does not occur is if you call collections ( how convenient for them ). I have never intentionally missed a payment on any card and the experience is less than favorable. 
2. When I requested to speak to a manager/supervisor or person with authority on several occasions, I was either denied or my request was met with a considerable amount of attitude. Only once was I able to get through to a collections supervisor who realized my issue was due to my inability to get through to the technical services department for website issues. 
3. When I asked to close my account and cancel the card, the rep asked over XXXX times if I wanted to cancel. This is an overt attempt to keep the card open after repeated requests to close. 
This frustration is probably felt by others and could be detrimental in multiple ways.
I have XXXX along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX
In checking my credit report I find EOS CCA, XXXX XXXX XXXX, XXXX, XXXX XXXX, claims I owe them a current debt dated XXXX/XXXX/XXXX in the amount of {$460.00}. 

That is impossible. I have not used any credit since XXXX when my XXXX XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt I might owe over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any of the less than half dozen outstanding debts I might have owed at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off XXXX years ago.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX  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.
As of my graduation date in XXXX, I did not receive any bill from Navient or who ever was Navient prior to changes of the loan servicers. So I called Navient because I wanted to get my loan information ( payments, due dates, balance ect. ) and make a lump sum payment from a graduation gift. So after I made my lump payment of about {$4000.00} in XXXX, I asked Navient customer representative when my next payment is due. The individual specifically stated that no payments were needed until XXXX. Being an XXXX, I realized I would still be accumulating interest, so I asked the individual what my minimum monthly payments are going to be. I wanted to still pay down on interest and principal even though nothing was technically due till XXXX. The individual stated that my minimum monthly payment is {$70.00}. I took the customer representatives word. Subsequently, I made payments above the {$70.00} around {$80.00} - {$90.00} as it was difficult economic times. Around end of XXXX, I realized I had not received any paper bills nor loan package details ( amortization schedule, Repayment Schedule ) in the mail stating any repayment terms from Navient. So I entered into my online Navient account to discover that my {$90.00} payments a month was n't even covering the interest that was accruing on my loan. I then called to speak about the matter stating why they told me a minimum monthly payment amount that was n't even covering the interest that was accumulating. Navient was n't very responding to the matter. I paid an additional {$1300.00} in interest that was not needed. I had the economic means to pay a higher monthly payment but took Navients customers representatives word that the minimum payment was {$70.00} a month. The {$70.00} a month did n't cover any interest it basically added interest to my loan and differed my repayment of the principal. I believe this was a deceptive act by Navient and I am deeply saddened by the news that Navient has been doing this to many more borrowers in addition to myself. Economic times in XXXX were not very robust and this additional interest costs have been a burden. 

Thank you
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I am constantly hounded by Ocwen. Even though I am 2 months behind on my payments ( {$850.00} per month ) due to a XXXX, I shouldn't be receiving past due notices for 4000 to 5000 dollars. My escrow account is up to date.
Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my EXPERIAN, XXXX XXXX & XXXX  credit reports. ECPERIAN, XXXX XXXX & XXXX   should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, EXPERIAN, XXXX XXXX & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : EXPERIAN Reported Late Payments : 1 ) XX/XX/XXXX 2 )XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I filed for bankruptcy on XX/XX/2018. Prior to this filing Collectech Diversified never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted Collectech Diversified, XXXX XXXX XXXX XXXX ( the original creditor ) XXXX, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force Collectech Diversified to update this account the representative called XXXX with Collectech while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it.
My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. 
On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation.
Hello, I opened a small business checking account at my local Bank of America branch XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) on XXXX XXXX, XX/XX/XXXX The process seemed to go well and I had all the documents requested. Once the account was opened, I deposited a check made to my business and drawn on my client 's Bank of America account. It was because the check was drawn on my client 's Bank of America account that I opened my business account there in the first place, to ensure smooth processing and funds availability. 

The next day XXXX XXXX XXXX, the funds appeared in the morning and I was able to make a few transactions. Without being notified, in the afternoon that stopped being the case and I was n't able to use online banking to see the account. I called and was told by the Risk department the account was being closed ( but not given any reason for the closing or any way to rectify the situation ). Simply that BoA was electing per the terms and conditions to close the account. I was told by the Risk dept. rep that I should go to the branch to withdraw the funds, otherwise a check would be mailed from BoA to my business once the account was closed. But without a business account or the ability to open XXXX, I would n't be able to personally cash the check - essentially making the funds completely unavailable to me in any real form. 

So I go to the branch immediately and wait for hours. They eventually call what they call 'One Call ' and are told the funds wo n't be available until the next day ( XXXX ). Because I was told something completely different, I call the customer Risk dept. again, this time together with the Personal Banker at the branch at her desk. We are told again the funds are in fact available and they should be able to release them. But the branch does not. 

The branch manager comes by because it is taking so long and rudely takes over the call. She does n't allow me to hear the process any further, despite everyone clearly telling us the funds should be available for withdrawal. She disappears into her office for about an hour and reappears only to say there is nothing she can do. She is rude, unsympathetic, and offers no real resolution or reason. 

She instructs me to call the same Risk dept. again today ( XXXX ) and that the funds should then be free for the branch to release. Even though that same department had been telling me they were already released and free to release. 

So I call them today ( XXXX ) and am told it wo n't be until the XXXX that the funds are released. The Risk dept. rep is n't able to tell me if the account will remain active through the week it will take to verify and release the funds and that if the account becomes inactive, even after verified, the funds wo n't be available for withdrawal. 

It is absurd that they 've essentially stolen {$13000.00} from me in their tangle of broken processes and miscommunication.
There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time XXXX updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both XXXX and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.
Asset recovery solutions of XXXX Il. repeatedly calls and asks for information about another person including account numbers, credit card numbers, phone numbers, addresses, etc. I have asked them to stop. They are rude and seem to have a comprehension issue. My wife asked them why they do n't just send out a bill to this person, they responded " you tell me '' ... XXXX.
I was paying rent via an account number. However, I inadvertently entered a routing number as the account number. The routing number and the recipients name were correct, and XXXX bank accepted the transfer. Ally ( my bank ) states that it is up to XXXX to return the funds, and XXXX states that it is up to Ally to request the funds be returned.
There is wrong information in Experian Report XXXX Account # XXXX Wrong balance XXXX Account # XXXX Wrong balance Please update my credit report as soon as possible.
They are trying to collect on a debt illegally. They have been reporting this debt for XXXX and a half years but according to the State of Texas, they have n't been bonded in the State of Texas since XXXX! I have repeatedly disputed this account and requested verification but they keep verifying it. Latest verification was XXXX XXXX, XXXX
I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX I
I was redeemed the my credit card reward XXXX points on XX/XX/2018 and XXXX points on XX/XX/2018 to my uber credits and those redemption add 25 % more credit to my uber credits so total I earn {$400.00} uber  credit. 

Since I earned those uber credits I have not use my uber credits. But I was checking my uber credits on XX/XX/2018. That's only {$74.00} in my uber credits. 

I asked customer service for help they said they are still working on this and I asked more help they didn't reply.
On Friday XX/XX/2017 XXXX charged over XXXX dollars on my debit account without my permission claiming that the payment had been done online. I did not authorized this payment and did not make an online payment since the money i had in my account was for my rent. I called Chase right away and they stated they needed to investigate the transaction. Yesterday I spoke with them and said they could do nothing since XXXX had every right to take the money since I owed it. I am currently waiting on a reimbursement from XXXX to pay XXXX. I am now behind on my rent and utilities since they took all my money. Chase is not helping me to resolve this issue even though I am telling them this was a fraud. This was also tried on my daughters account but they were unable to take the money since she had no funds. She had to cancel her debit card due to the fraud attempt. As of today Chase approved the {$2200.00} transaction after all my calls and complaints about this not being authorized by me.
I am in an active approved short sale on my home with Suntrust Mortgage. They are my XXXX lender, and are attempting to foreclose. They JUST approved the short sale XXXX/XXXX/15 -- as we have a BUYER, w/ earnest money and pending due diligence/inspection. In the SAME document, they stated that they may still go forward with a foreclosure. I can not understand why they would give us until XXXX/XXXX/15 to close on the sale of the home, yet still state that they are going to possibly foreclose. I want SUNTRUST to REMOVE ALL POSSIBILITY OF FORECLOSURE ( they attempted to foreclose XXXX/XXXX/15 and I had to go file a bankruptcy to prevent foreclosure ) and allow us to satisfy all parties : the seller, the buyer, the realtors and the bank. The realtors spent countless hours finding a real buyer with a family, NOT an investor to flip the home, I have endless stress due to the inability to be clear on their intentions. PLEASE LET US CLOSE AND MOVE ON. They will not even offer me CASH FOR KEYS so I and my family can move -- there are no funds to do that. They said they would refuse the short sale if we asked for any money from them for ANYTHING ELSE. 

Give this new buyer a chance to have this home, let me exit with dignity from a cleaned home ready for the new buyer, allow a small amount of CASH FOR KEYS TO RELOCATE and the American dream will inevitably be reached by all parties. 

Suntrust needs to be less greedy and more accommodating during this long awaited transaction.
On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and gentlebreeze.com. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( diversified consultants ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my zero account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.
On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.
Received letter from Maury Cobb Attorney At Law LLC- trying to collect a debt. That is not our debt, called them to let them know that the person to which debt belongs to does not live here nor has never lived here. They did not let me explain this and they hung up the phone on me, I tried to call them again to explain and was hung up on again. The Letter is addressed to XXXX XXXX which is my husband 's name XXXX XXXX but he is XXXX, the debt is for XXXX XXXX XXXX. When we first received a letter from XXXX to whom the debt is with. We called them to inform them that the Debt was for XXXX XXXX XXXX, who has never lived at this address, to please correct there records. Please Help me with this matter for obviously the staff at the Law Office was very rude and did n't let me explain this. I did n't want to speak about the debt for this is not our business, just to let them know that this person does not live here and has never lived here, They need to stop sending this letters to my home. I received the letter on XXXX/XXXX/2016 and called them this same day. If you would like I can e-mail or fax the letter to you. 
Thank You