WillisBack/dataset-financial-user-claim huggingface dataset:
This company ( Direct Capital ) has taken to calling frequently on my work and home cell, each time reflecting a local number that is misleading. They are threatening and harassing.
I received a call from American Coradius International on XX/XX/2018 saying that owed XXXX over {$800.00}. I do not have a credit account with XXXX, so there's no way I could owe XXXX anything. I confirmed my name for American Coradius, but when they said I owed money, I hung up immediately. They called from this number : XXXX I called XXXX immediately and they confirmed that I do not owe them anything and that I do not have a credit account with them. They apologized, but could not explain why I had received the call. I closed my XXXX account.
I had attended XXXX and was forced to take out the XXXX loan to attend school. I had to take out a {$22000.00} loan with a 14.9 % interest rate and had to make {$400.00} payments while I attended school. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. I was told by a few of my former classmates that they had received a reduction in their balance. I was curious what the criteria was to receive the reduction?
I purchased a car in XXXX and got a loan fm Capital One. 5 months later ( XXXX ) I receive a letter indicating Capital One will share my personal information ( soc sec #, income, account balances ) with their affiliates. If i choose not to share, I need to contact them to opt out, which I just did. When I spoke to the rep and asked whether my social security information had already been sold to third parties since my loan started 5 minths ago, he indicated yes that information has been sold. My question is " is n't it illegal to sell people 's social security numbers ''? It increases fraud, and I do n't think companies should profit off of selling other 's confidential information without their consent. 

The rep said now that I contacted Capital One, they will stop selling my information for marketing purposes, but it 's too late. They aold my information to a third party, and now that third party will likely sell to another party. Capital One is in ore than the loan business. They are using it to take other 's confidential data and profit off it. Meanwhile, I have the concern of identity theft. I think there should be laws to punish companies that share people 's confidential data without consent. I would like to know where the CFPB stands on this issue and what are my options at this point? My info has already been shared with many I 'm sure. Had they sent me the letter in XXXX, when I got the loan, I would have opted out. They waited 5 months and after they have already sold my information to send me this letter. Shady, very shady company.
My student loans are in deferment but my credit reports were sent information that 17 loans increased from XXXX -XXXX  in the amount of {$3400.00} and 17 separate entries were added to my accounts with the comment fixed rate. This was 34 hits to my credit report. I called XXXX today and spoke to an agent who said she has no idea what the charges are for or why 17 comments were made. She had no record of any new charges or comments being added to my accounts her employee Id is XXXX
I send a letter to this company dated XX/XX/XXXX. It is now XX/XX/XXXX ive never gotten a response from them. I have tracking number and proof of delivery. They are showing on my consumer report that the account was open XX/XX/XXXX and it has a balance of {$1300.00}. I have never had an account with this company.
I have tried to work with XXXX XXXX for years but they keep putting me in forbearance and now my loan has gone from {$60000.00} to over {$200000.00}. 

I don't know what to do.
A Collection Agency called Capital Management has some personal information about my finances and they say I have a debt. I have never heard about this agency.
I contacted Transunion at XXXX XXXX on XX/XX/2019 and spoke with a representative and explaining sitowith dates and companies involved and their customer service would not care to help me and take care of the negative inquiries reporting on my credit report.
On XX/XX/2017, I paid Capital One {$1200.00}, representing a timely and full payment of the previous balance on my credit card account, yet contrary to banking laws and the members ' contract with Capital One, I was charged {$17.00} in interest on the following monthly statement -- literally an interest charge on a XXXX balance. I have written Capital One several times about this matter with at least two letters informing XXXX XXXX or her office. Two responses from XXXX XXXX denied any wrong doing.
On XX/XX/XXXX, I booked a round trip flight from New York to XXXX, with a layover in XXXX both ways, using my Chase Sapphire Reserve Ultimate Rewards Points. On XXXX XXXX, I departed for XXXX. When I arrived in XXXX on XXXX XXXX, I went to check in for my flight to XXXX. The airport staff informed me that this flight was cancelled months ago. I was left in XXXX with nowhere to stay and no information on a rebooked flight. It was a very upsetting experience, to say the least. 

I called Chase customer service on XXXX XXXX to try to work out this problem. The customer service agent informed me that she was aware of my cancelled flight. However, Chase never informed me the traveler that my flight was cancelled months ago. They withheld critical travel information from me, and would not help me rebook a flight. 

I had to work with XXXX XXXX through their XXXX customer service to get rebooked on a new flight. XXXX XXXX also told me that they informed my travel agent Chase that this flight was cancelled months ago. 

The new flight was in a separate airport, so I was forced to pay {$37.00} to take a bus to the other airport to take my next flight. I also was forced to experience an unexpected 9-hour layover, causing me to miss the first afternoon of my vacation at the destination. Overall, this was an extremely poor experience because of poor communication from Chase. 

On XXXX, I began emailing and calling the Chase hotline. A manager informed me that the bank would reimburse the bus fair by check. They said they would call me back in the next few days to confirm. 

They never called me back. 

I called back again 3 more times that montheach time, they told me the check would be there soon, in no more than 4-6 weeks. 

It is now XXXX. XXXX. I have been speaking with Chase on XXXX to try to resolve this issue and they are telling me I have to wait another 4-6 weeks to get this check.

It has been MONTHS. All I want is a check for this money, or even a {$37.00} refund on my account. I dont feel that I am asking too much, but I am being given a huge runaround from the bank. I actually feel really sad as a Chase customer right now.
Ocwen has the new payment wrong ( was interest only and principal payoff is starting now ), admits the mistake, but wo n't send a new statement with the correct payment. We 've wasted XXXX hours on the phone with their XXXX call center who keeps passing the issue around in circles. They have a payment based on 5 yrs rather than 15 yrs as per the loan docs. They realize this is wrong but XXXX ca n't seem to fix it.
According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of XXXX XXXX is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before Allied Interstate attempts any debt from me personally without proper documentation.
Had taken out a loan through  Speedy Cash  for payments on the  XXXX  and  XXXX  of every month in amounts of no more than {$39.00}. Informed the representative from  Speedy Cash  on their recorded line that i was recently unemployed and do n't have payment for them as well as there was no amount in the account ( which was forced to put on file before loan was issued ). The company attempted multiple times to force payment  ( s )  on  XXXX / XXXX /  XXXX   after being informed not to take payment. These now unauthorized force of payments caused multiple overdraft fee 's through my bank of $  XXXX  {$5.00} on each attempt. On  XXXX / XXXX /  XXXX    Speedy Cash  forced the multiple unauthorized ( date of  XXXX / XXXX /  XXXX   not authorized and verbally informed them on phone no funds in account to take  )  payments of {$110.00} from my  XXXX   XXXX   XXXX  sons  XXXX  which is now deposited into my account. I had called them and informed them the payments were unauthorized and to remove my form of payment immediately to which they replied we will remove the card on file and did not address the unauthorized payment.
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
On XXXX/XXXX/2016 I attempted to set up auto pay on the Navient website. They said it was not available. I waited until XXXX to try again. They have already marked my payment late. This is the second time since they took over the loan I have been prevented from making a payment and been marked late. My loan was suppose to be income sensitive. It has lost that status since they took it over.
I have been paying on my student loan since 1993 at XXXX ( i have proof ) a month that has come out of my checking account ( I have proof ). The total amount borrowed was approx. XXXX. This was the agreed amount ( {$110.00} XXXX taken out of my account, never missing a payment. After paying this for over 20+ years they still say I owe over XXXX with fees and interest. I should not of had fees for default status because after I made 6 monthly payments I came out of default status according to the letters they sent me ( I have these also ). This has been a unjustifiable nightmare since I have complied and done what was agreed upon and set up by them, This loan should have been paid off many years ago but they continually tell me, I owe the XXXX No American citizen should be harassed by our government when they have done nothing except pay the debt. As far as I am concerned and by the facts I have, they owe me money for unjustifiable fees and interest that has been applied for no reason. Please advise. Oh and by the way they will help you in no way to resolve the issue.
asked them to send me proof paper mail regarding this matter but they continue to call consistently 4-5 times a day
I pulled my credit reports and observed the account - XXXX XXXX XXXX - remarked the credit line was closed with a past due balance of {$920.00}. In XX/XX/XXXX, the account was listed as 30 days late. In XX/XX/XXXX, the account was listed as 60 days late. In XX/XX/XXXX, the account was listed as 90 days later. In XX/XX/XXXX and XX/XX/XXXX, the account was listed as 120+ days late. Then, from XX/XX/XXXX to XX/XX/XXXX, the account has been reporting a failure to pay.

I disputed the account on two occassions with credit bureaus, XXXX and XXXX  respectively, in XX/XX/XXXX then 30 business days later in XX/XX/XXXX. The previously mentioned bureaus and XXXX XXXX XXXX failed to send verifiable proof of the debt after both investigations.
I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, Equifax and XXXX   via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.
I am currently in the process of refinancing my mortgage with  XXXX   XXXX . My goal it to use this opportunity to pay-off a second mortgage on this property from Ditech. Since,   XXXX   XXXX   XXXX   I have requested that  Ditech  provide a Copy of my Note that I can present to  XXXX   XXXX  as part of the process. Ditech promised to have this to me within  3-5  days. I have called them and emailed them multiple times to follow up on this request and I still do not have this document as of   XXXX   XXXX   XXXX       The original loan was back in  XXXX  from  XXXX  and has transferred multiple times over the years  (   Greentree, Ditech ).      If  Ditech  can not produce the Note, do I legally owe them the balance if they do not have a copy of the agreement?
Experian continues to report delinquencies for XXXX account XXXX through XXXX XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XXXX XXXX, income which I subsequently was required to include with my taxable income on my XXXX tax filing. They correctly report the balance as zero, but report delinquent payment history for each month through XXXX XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX  XXXX-Inquiry from XX/XX/2018 Experian XXXX XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018
I am having massive issues with HomeBridge Financial Services , Inc . The loan processing times have been lengthy with consistently wrong paperwork in terms of costs, payoff, and cash required to close. I signed the final documents only to be told 4 days later that my loan had to be redrawn at a lower payoff amount because they failed to get accurate payoff numbers ( I had made 2 mortgage payments of which they were advised ) because they had a limit on cash that could be returned to me and could not use the cash to pay down the principal on the new loan. It has now been another week and half and I have been presented with a new CD that has the same payoff and loan amount as the previous documents that I signed with more wrong numbers to fill it in. The loan would fail again. I can not get them to provide a correct estimate or a correct CD and they do n't seem to want to correct the errors in a timely manner or at all. I have supplied correct payoff information and correct numbers through my finanical rep and there is NO reason for these delays or incompetence. Please tell me how I can close my loan and make them do their job. Meanwhile I am paying alot of daily interest to carry this loan. We estimate my loan amount should be in the $ XXXX-XXXX range and lender insists it is much higher. Payoff is {$310000.00} through XX/XX/XXXX. With the credit negotiated for my loan the payoff amount meets the same as the loan amount nearly. I dont understand why this is such a ridiculous process.
dates from XX/XX/XXXX TO XX/XX/XXXX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1.XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 1. CA BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY # XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS
My XXXX was denied for a purchase at Sam 's Club # XXXX XXXX XXXX, XXXX, OH XXXX on XXXX/XXXX/15. I went to the Customer Service desk and they called Synchrony Bank, the issuer of the card and handed me the phone. After verifying my identity I was told that an attempt to use my card was rejected and was asked if it was me that tried to place the charge. I do n't remember the exact amount of the charge in question but it was between {$100.00} and {$200.00}. I said no, that I did not authorize that charge and was then told my card was cancelled and that a new card would be sent to me. Upon reviewing my statement when I got home I noticed another unauthorized charge in the amount of {$1000.00} on XXXX/XXXX/15 to XXXX. I do n't have an account with XXXX and have never transacted any business with them. I called Synchrony Bank on XXXX/XXXX/15 about the fraudulent charge and filed a dispute. I did not receive a Fraud Investigation form but I did receive a letter on XXXX/XXXX/15 stating " After reviewing recent activity, we did not identify any unauthorized purchases applied to the account. '' and also " At this time we have concluded the fraud investigation and consider the matter closed. ''
I checked XXXX and read that my credit was poor. I did further investigation and found that everything that I am in debt for are n't from me. I did not open the accounts, nor did I make payments to the accounts.
My vehicle was repossessed in XXXX of XX/XX/XXXX due to alleged default. I had lost my job in XXXX of XX/XX/XXXX and had called Toyota Financial Services to advise them that I would be late on my payments. They said that a late fee would be assessed and that XXXX I missed 3 months of payments my car would be filed for repossession. I had missed my payments in XXXX, XXXX and XXXX but had paid in XXXX. I called Toyota in XXXX and explained that I would be able to continue payments as I was re-hired by my previous employer. I knew that I was already 3 months behind but the agent told me that it would be fine to continue paying as long as I caught up by XXXX XXXX. I called them again on XXXX XXXX and advised that I would be paying ALL of my past due balance within the week and that I may not be able to pay by XXXX XXXX. The agent told me that they would notate the account so that I would be given a chance to get the payments in. I went to log into my account on the XXXX to pay and my account was locked out. I, then, called Toyota Financial Services again and they told me my car was picked up for repossession the night of the XXXX. I explained my above story to the man in the " redemption department '' but he said there was nothing stated on the account that I had ever called and spoken to somebody. He said the only notes reflected that they had called me repeatedly but that I never answered. Admittedly, a number called me multiple times per day everyday. Whenever I answered, it was dead air so I hung up. I do n't have time to sit on the phone for 5 minutes waiting for somebody to answer the phone when they are the XXXX who called me XXXX. Either way, XXXX times I spoke to the agents in the Financial Department, I was assured that I could get my payments in and I was never once told that my account was up for repossession. I received letters from Toyota in the mail but I did n't think to open them as I had already spoken with them on the phone and thought everything was in order. I understand that I am held to a standard to ensure I pay my due balances. However, as I stated above, I talked to their Financial Department multiple times and was told that they would accept my payments. When I went to make the payments, even before the date they told me they would accept it until, I was unable to and came to find out they repossessed my car anyways. 
*I am submitting this on my boyfriends laptop. All of my account paperwork and information is at my apartment on another computer.
Macy 's  DSNB /Citibank refu ses to honor a settlement they made via their collection agency,  XXXX   XXXX .   XXXX   XXXX   accepted a settlement of {$580.00} as full and final settlement on behalf of their client,  Macy 's  DSNB /Citibank  on   XXXX   XXXX   XXXX    . To this da te Macy 's ref uses to write off the difference thereby directly disregarding the settlement that was made. On multiple occasions I have contacted  Macy 's   DSNB /Citibank in which cases the rep had to m ake 3-way call s with me to   XXXX   XXXX   to confirm the account has been settled. On  XXXX  I placed a call to  Macy's/Citibank R ecovery at  XXXX  and I spoke to a rep who made  a 3-way call  with   XXXX   XXXX  . The result of this call was that   XXXX   XXXX   needed to forward documents t o Macy 's  of the settlement. I was advised to wait  1 week for  an update. This call took  49minutes  of my time. On   XXXX   I placed a call again to  Macy's/Citibank rec overy an d again  spoke to a rep who had to  3-way call to    XXXX   XXXX   because   XXXX   XXXX   had not gotten around to sendin g Macy 's DSNB/Citibank the information. I   faxed a copy of the account settled and paid letter to  Macy 's and t he rep concluded that this should be resolved by the next week. This call took 31minutes of my time. On  XXXX  I call once again and now  Macy 's DSNB/Citibank ha s no idea what I am talking about and that it is my responsibility to send them the settlement offer and letter to show that I settled the account. I advised that multiple times I had sent in the letters and multiple times I had called in to check on the status. The supervisor apparently could not be bothered to come to the phone and the rep rudely advised that they are not going to do anything until I waste more of my time getting more documents that they need from  XXXX   XXXX . I am sorry but  Macy 's DS NB/Citibank if you hire a collection agency to collect a debt for you then you need to be in control of what they are doing, you are responsible for the updating of your records and the accurate reporting of my credit file. As such they have violated multiple consumer protection laws including the FDCPA ( attempting to collect a d ebt that has been settled ), the FCRA (  reporting me late after the account has been settled ) and just overall terrible customer service.