WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar  companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.
We have a loan modification with a shared appreciation clause with Ocwen Loan Servicing since XXXX. We sold our home outright XXXX, XXXX XXXX. They charged us for an appraisal not called for in the agreement, ( XXXX, ) and ignored crediting us for a new roof ( XXXX. ) done since the agreement, also in the contract. They lose all docs. sent, they over and over make you set up phone appointments with Relationship Managers who continually tell you that some other dept. ( which you can not talk with ) is working on the complaint and will have an answer is 2 to4 business days - the answer never comes and the run and round never stops. We need our money and it is very clear they do not not intend to give it to us! They are nothing better than crooks defrauding their customers. They have lost XXXX sets of papers sent only to now ignor us completely. Yesterday they said a ltr. went out to answer the complaint - i asked for it to be emailed - this am it came. They answered the question about foreclosure costs ( we we never in forecloser ) and again stated they could ask fo the appraisal - they did not even mention the roof replacement. MY WIFE AND I ARE IN OUR XXXX 'S AND OUR HEALTH IS NOT GOOD AND GETTING WORSE EVERYTIME I HAVE TO CHASE THEM AND END UP A SCREAMING MANIAC FOR THEIR IGNORANCE AND ILLEGAL MANUEVERING!!! THEY ARE GOING TO KILL XXXX! WHY IS THIS COMPANY ALLOWED TO DO THIS - THERE ARE HUNDREDS OF COMPLAINTS ON THE INTERNET AND NO ONE IS TALKING ABOUT THEM ... WHY ARE N'T THEY EXPOSED IN THE MEDIA FOR WHO THEY ARE - LIARS, CROOKS, THIEVES. PLEASE CAN SOMEONE HELP US?
In XX/XX/2015, XXXX XXXX XXXX are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!
I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAP ONE AUTO with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX.
There are several items Equifax is reporting that is false information I have disputed prior and nothing. This information is inaccurate and false I want removed     XXXX   XXXX   #  XXXX  I do NOT owe {$11.00} inaccurate   XXXX   XXXX     #  XXXX  {$23.00} I do not owe {$23.00} inaccurate and false   XXXX   XXXX     #  XXXX  {$10.00} I do not owe and outdated   XXXX   XXXX     #  XXXX  {$10.00} Outdated and inaccurate   XXXX   XXXX   #  XXXX  {$11.00} outdated and inaccurate   XXXX   XXXX   #  XXXX  Fraud, inaccurate and NOT my account remove
Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ), XXXX  XXXX  ( ORIGINAL CREDITOR ( XXXX XXXX XXXX )  , XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX )
CREDIT COLLECTIONS USA ACCT NUMBER  XXXX   XXXX   XXXX   XXXX  ORIGINAL CREDITOR   XXXX    XXXX   XXXX  I HAVE REPEATEDLY MADE REQUESTS FOR WHAT AND WHO IS THIS FOR. NO INFO AVAILABLE. XXXX   2012 ? DISPUTED THRU  XXXX  AND  XXXX . STILL NO EXPLANATION. NO IDEA WHAT THIS IS. NO RESPONSE FROM ANYONE. WHAT THE  XXXX ?
This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX  same time I disputed these items with this credit repository. XXXX removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.
For more than the fourth time in two years Navient has miss allocated funds sent to them, I have done everything they have asked, ( separate checks for private and federal loans, different envelopes and billing addresses for the XXXX, letter with payment on how funds should be allocated, nothing works. Basiclly submitting this as a lasts resort to a lawsuit. 
This is a yearly complaint, i am at my whits end, why pay on time if there just going to mess it up?
I obtained my credit reports from all XXXX agencies. I started to dispute information that was incorrect. I even uploaded bank statements and letters from the court house showing these items were paid or released. When I disputed the information, Experian in particular, would respond to me in less than XXXX hours stating " the information has been verified and please contact the company '' I find it hard to believe this company investigated with a company when the dispute was issued at XXXX at night and then I heard back from them at XXXX in the morning, via email. When I tried to resend them information showing it was paid with receipts, their system refused to let me up load or resubmit and investigation. I called them and placed on hold, and hung up on 3 times. Experian even reissued negative information on my credit report when I showed them the information had been paid. Experian is the company that is refusing to work with me, will not file disputes correctly, and when they do have to correct information they present it in a way that leaves a creditor wondering if it is paid, example the balance will say zero, but they will report it as a collection and open and for the balance they will put N/A versus paid/closed collection. I do not know what else to do, I have supporting documentation that these accounts are paid, I have had some credit issues, but I have paid them, it is only right by law they correct the information and not in a way that damages me further. Because of the way that Experian reported information, my credit score dropped by XXXX points even though it was paid, it was strictly because of HOW they reported the information. With the creditor XXXX, I have shown bank statement and screen shots that these bills are paid and they keep them on my credit. They also have XXXX different social securities numbers on my report and every time I call a number then I am transferred 4 times. Please help, I do not want to hire a lawyer because that is more money out of my pocket,. Thank you
Received a notice of debt collection by a company named ARA Inc in the amount of {$2800.00} owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.
Have private loan with Navient and feel cheated many times over. Before I decided to return to back to school for my XXXX XXXX, I was paying extra on my loans and directed all additional funds to be placed toward the principle. However, instead of applying it as requested, Navient/XXXX just applied it to my monthly payments. For example, if I paid an additional {$50.00}, they would just take it off my next payment, not the principle as requested. In addition, there is not an option on their website to apply payments to the principle, you have to call them for this request. After calling and voicing my concerns, I was told there was nothing that could be done about it. So my " principle '' payments were going toward the accruing interest which is lining their pockets even further. 
Also, I have requested a plan of payment that could lower my payments, however, Navient instead pushed me into a forbearance in which I have to pay a {$50.00} fee to suspend payments for only 3 months. In the meantime, interest continues to accrue. Every time I contact Navient I receive a different answer depending on who I 'm speaking with. I, as a consumer who pays her debts, am very concerned that now that I 'm in a better financial position to pay off my private loan, my payments will not be properly applied due to previous experience. I feel helpless and taken advantage of. Navient has definitely showed me many times they are n't interested in helping their customers pay off their loans, but instead saddling them with more debt. At the same time, I continue to receive mailers and emails from them in a lame attempt to have me take out another loan from them. I will NEVER do business with Navient again and recommend anyone to stay away from this company!!!! 
I thank the consumers watch groups for their service to call out these crooked companies and hold them accountable. I 'm not looking for a handout, I just want what is fair. Apply all additional funds to the principle. Because of Navient 's deceptive practices, my private loan has swelled from $ XXXX to over $ XXXX and was NEVER in default! Please help!!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX reported to XXXX on XXXX XXXX 2017 that I owe the debt of {$220.00} to XXXX. I owe nothing to XXXX XXXX and do not recall having XXXX XXXX XXXX
Company is AD ASTRA RECOVERY the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from XXXX  XXXX XXXX # XXXX in XXXX XXXX. 
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a XXXX XXXX '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my XXXX XXXX is to XXXX XXXX into the XXXX XXXX. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!
Working with the XXXX XXXX, WA Wells Fargo branch, located at at XXXX XXXX XXXX XXXX, for a home refinance was an absolute horrible experience. After repeatedly inquiring about a VA loan funding fee, which was supposed to be waived due to my VA XXXX, I have received nothing back from Wells Fargo except emails that show no progress or movement from XXXX of XXXX to the XXXX time of this formal complaint. After the closing of the refinance, I learned that my XXXX would allow the funding fee to be waived, so I inquired and never received back any feedback on the end state of my question. Only delay tactics, and quite frankly unprofessional methods of dealing with a newly acquired customer. I showed proof of my VA XXXX, and was told by the mortgage broker that my case would be looked into. Months passed and still no resolution. My concerns were never addressed to any kind of resolution from my initial inquiry, the present time of this formal complaint and I do n't think this is at all professional in any sense of how banks are supposed to work with customers. I feel neglected, and quite frankly, I have decided to refi with a different institution in order to depart from this horrible experience. I only wanted an answer of anything that could close this chapter, but unfortunately this has n't happened throughout this entire process. I only want resolution, clear communication, and a bank institution that takes pride in addressing the concerns of its customers in a timely manner. This Wells Fargo experience has been anything but professional and I hope this complaint helps with other potential veterans who decide to conduct banking with this particular Wells Fargo branch in XXXX XXXX, WA located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA.
On XXXX/XXXX/XXXX I received a call from XXXX XXXX at XXXX XXXX XXXX, phone # XXXX, XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. She claims I owe {$13000.00} to XXXX XXXXk. I told her I do not recognize this debt and she has the wrong person. 

On XXXX/XXXX/XXXX I received a letter in the mail from ARA.
This old account is my ex husband 's account, not mine. AND it has been paid. The person who took the payment from him said they would remove from all reports. Neve happened. No matter, not my account.
I opened a credit card account with Capital One. I chose Venture card as it was the most attractive option for me. The most attractive feature of the card was the lack of foreign transaction fee because I 'm often overseas for work and other matters. 

When I applied everything went without a hitch, and I was approved instantly as I have an excellent credit rating. But when I tried to activate the card, the card was " frozen '' for fraud alert -- I 'm not sure why that was the case since nobody from Capital One bothered to tell me despite my numerous requests -- and Capital One asked for my ID, SSN card and some kind of statements, etc. to prove that I 'm who I am. I was advised that it 'd take XXXX business hours. 

It 's been more than three business days. Nobody has any answers for me. XXXX of the reps promised to call me with an update, but they never did. I presume they have the recording of our calls. Their online help on XXXX is also unhelpful. 

If Capital One was worried about my identity, it should 've asked me to submit all the documents, etc. when I applied, NOT after I already got the card. Furthermore, I detest the way the representatives from Capital One would n't tell me anything, treating me like I 'm a scammer, despite the fact that I had to verify my date of birth, SSN and other information provided at the time of application. According to them, scammers know a lot of information about their victims. If so, they did they accept my application and approve it? 

I 'm currently overseas right now. I was hoping to be able to use the card and take advantage of no foreign transaction fee, but apparently that 's not going to happen. 

I also was n't given any promise that their system is secure and that my ID and other documents provided to them to verify that I am who I am wo n't be stolen off their server.
I took out a loan with US Bank in XX/XX/XXXX. The loan was for a XXXX XXXX, year XXXX. The loan was in my name only using my credit. My payments were made on time and the loan was even paid off early. In XX/XX/XXXX the loan was paid off and I receive a letter acknowledging that they received the last payment. The first letter stating the loan was paid in full was received by me on XX/XX/XXXX. The letter referenced an enclosed title or lien release, advising me to go to my local licencing agency have the U.S. Bank lien removed. Unfortunately, there was nothing enclosed with the letter. I contacted U.S. Bank to advise of this, receiving a second letter dated XX/XX/XXXX. This letter stated the same the vehicle was currently tagged in a state with ETitle and was released on XX/XX/XXXX. Unfortunately, again since there was not Lien Release provided, when I went to the tag agency in XXXX  there was nothing they could do. They had not received an ETitle from U.S. Bank. Finally on XX/XX/XXXX I received a letter enclosing the Lien Release Statement. Once again I went to the tag agency and once again there was not an ETitle with the state of XXXX. I promptly contacted U.S. Bank again and was once again provided a letter enclosing a Lien Release Statement. This latest letter was dated XX/XX/XXXX. To date I have been unable to obtain a title to my car. I have now relocated to the state of XXXX. Unfortunately, I can not tag my car in XXXX because I do not have a title to my car. I have contacted U.S. Bank again and to date have not had any response from them. The XXXX XXXX Tax Collector 's office has also sent a letter to U.S. Bank, this being on XX/XX/XXXX. I currently have a 30 day temporary tag on my car but I need to have this resolved because the state of XXXX will only provide me with one more temporary tag and after that I will have to garage my car. I can not believe a bank as large as U.S. Bank can withhold someone's title to their car. All I want is for them to do the right thing and provide me a title to my car. Thank you.
back in 2009 i got a credit card from XXXX. they contacted me today and said they are coming to my work to serve me. they have called me atleast XXXX times today. last month i told them that the statue of limitations in oklahoma is 3-5 years and they got real hateful and said we can argue this in court and hung up on me. i need to know what i need to do about this. please help
I have a business account with Wells Fargo Acct # XXXX We deposited a tenant 's check on Thurs. XX/XX/2018 of {$5600.00}. 

Below details from Wells Fargo online : Deposit Details Deposit Summary Category Amount Checks ( 1 item ) {$5600.00} Deposited Items Checks Item # sorted in ascending order Banksorted in descending order Account # sorted in descending order Check # Amountsorted in descending order XXXX XXXX XXXX ... XXXX   XXXXCheck image {$5600.00} Total Checks {$5600.00} On the following day they showed the funds with a hold. I contacted them and they said the funds were insufficient and would hold till XX/XX/XXXX to see if they become available. 

Below is a link with a jpg from the check issuer 's bank showing the check was cleared in his bank on XX/XX/18. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If it did clear why do they hold the funds? 
And if not in the past the bank would try to redeposit the following day and if still uncollected would mail check back to us. 
So we could try to collect a new check. 
Now they say they say they hold 11 days to see if the funds become available. 
Yet we spoke to them yesterday the XX/XX/XXXX and after threatening to file this complaint they decided to waive the hold time of 11 days and made the funds available as of the original deposit date of the XX/XX/XXXX. I believe based on the proof sent to my tenant from XXXX XXXX   that they've had the funds all along and have this unlawful practice of withholding the funds. 
Lets say the funds were not good in 11 days why hold the check that long and give us less chance of obtaining a new check. 
This is the second time we've had this type of situation with Wells Fargo. 
With another business account if a check does not fund on a second try they debit the deposited amount and immediately return the check for collection. 

If you need to call me I can be reached at XXXX. 

Thanks, XXXX XXXX
Ok so I received a check for a settlement loan company XXXX XXXX I had just opened up a.bank account with Citi bank I walked in branch to deposit check for XXXX $ $ the teller told. Me since it was a. New account I 'd have to wait five days ok that 's fine next day XXXX try to log in my online banking and it says no account t To display as if I did n't have A account so I call customer service spoke to some lady who tells me where I got this check from I tell her it 's a settlement loan then I said u.can call to verify if there 's an issue with check she says they tried calling to verify but that they were told account number check was drawn out of isnt a real account then she tells.me my card and any access to funds will b restricted til XX/XX/XXXX when they will know if check will be paid or not once again I have no access to my money if I was n't in need of my money why would I b asking for a loan it me just ridiculous and I do n't get how they can do that block my card and restrict access to my own money
Coinbase is disabling buys for zero reason on millions of accounts. Asking for verification then never responding or enabling peoples accounts again. They are a fraud
I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. THIS ACCOUNT HAS ALREADY BEEN DELETED FROM EQUIFAX AND OTHER DATA FURNISHERS. TRANS UNION CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW
The tradeline XXXX XXXX was disputed and Equifax claimed it was verified, I have requested proof of the investigation with the letter dated XX/XX/2018 as this item is reporting in my file in error. They refuse to send me how the account was verified and are illegally reporting this to my file. XXXX XXXX   was unable to provide me proof ( contractual agreement with original creditor XXXX with my signature ) and the account was not properly investigated with Equifax.
I requested XXXX months ago to cancel my membership and yet I am being BILLED and yet can not access my membership.