WillisBack/dataset-financial-user-claim huggingface dataset:
name of company : United Services phone number of company : ( XXXX ) XXXX I received 2 phone calls today XXXX/XXXX/16, from this phone number. The first time the male said his name and would not address the company he works for. I hung up and he called right back. He asked my if i was who I am so I told him I was. He then proceeded to tell me that he works with the state prosecuting attorney 's office and that there will be XXXX felony charges pressed upon me and that warrants were then going to be put out for my arrest. When I hung up, I was in such a panic because I am XXXX and the situation scared me. I called the state attorney 's office right away and they said that there was no felonies no warrants and they nor any affiliates would call me and ever tell me such a thing. XXXX. They do not care about who they are hurting nor how they are hurting them. This is XXXX damaging and could have turned out to be XXXX harmful as well.
XXXX XXXX, XXXX XXXX XXXX U.S. Bank Prepaid Operations Card Services XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Dear XXXX XXXX : I am writing you in regard to yet another complaint I have filed with the Consumer Financial Protection Bureau ( CFPB ), Complaint ID XXXX. I filed this complaint because yet again the 1-2-3 Rewards Card decided to make up another restriction as reason to not release a transaction from XXXX XXXX, XXXX. It was another hold on my account, this time for $ XXXXand it was immediately released the morning of XXXX XXXX, XXXX upon checkout. In your response to my complaint ID XXXX from XXXX XXXX, XXXX you mention that a way to expedite the release I have the option of sending in a fax with the answers to the questions required in said fax. Most importantly, however, you fail to mention that there is a restriction to this kind of procedurein that only one is allowed every 30 days. This restriction is not mentioned anywhere in your cardholder agreement. The supervisor I spoke with yesterday agreed that this was the case and apologized for this, but failed to release my funds. I believe that my funds should be immediately released back to my account since this restriction is not listed anywhere in my cardholder agreement or was mentioned by you in your letter to me and any customer service representative I have spoken with when I used this procedure for my first transaction. What you are doing is illegal. And I will be taking legal action against this. Thank you, XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT
My mortgage from XXXX XXXX XXXX was sold on XXXX XXXX 2016 to Carrington Mortgage. When my mortgage was sold I was 2.5 months past due. I 'm still within the 60 day window of being released from XXXX, so I 've continued to mail my payments to them. I 'm current with my mortgage and have been since XXXX submitted my last payment of {$280.00} ( direct bill pay ) to Carrington on XXXX XXXX 2016. Once your mortgage is sold you still submit everything to your previous mortgage company within the first 60 days. When I called on XXXX XXXX 2016 Carrington, told me to not mail anything to them until notified or to XXXX XXXX XXXX because they 'll ( XXXX ) just return it to me and then I 'll have to send it to them ( Carrington ). That was incorrect information and will give Carrington the opportunity to attach late fees and make my loan in default. I have continued to make payments to my original mortgage company and legally they have 60 days to release everything. Every check that I 've sent to XXXX they 've forwarded to Carrington with the date they received it. XXXX has done everything correctly. However, Carrington has continuously mailed me notices of Intent to Foreclose and put a notice on my door yesterday XXXX XXXX 2016. I have all of my cleared checks and statements from XXXX. Duly, I have all of the notices of Intent to Foreclose from Carrington which is a violation of Federal Law since I 'm still within the 60 day window of being sold from XXXX XXXX XXXX and I am current with my mortgage. Carrington has harassed me and my family with daily phone calls and notices being sent every other day. Their practice is illegal and unjust. The bottom line is that it 's still within 60 days of being sold ( today being day 46 ) and I am current. Something needs to be done to stop this company from it 's illegal, harassing practices. The notices of intent to foreclose was done in retaliation of me contacting the XXXX on XXXX XXXX 2016. Carrington sent me a XXXX page document explaining their position once I contacted the XXXX. They have not updated their information and continue to harass me and my family.
{$260.00} plus accrued interest. 
Date : XX/XX/XXXX. 

Actions taken : Contacted the bank ( Bank of America ) multiple times, had assurances that the amount paid would be reflected in our statement. We had paid through the ATM ( as is recorded ) and the machine took the cash, yet we were not credited for the payment. After a month of being told that we would be credited to our account, we were told in a letter that we would not receive any credit for our payment made.

Actions taken by company : nothing ( other than lying and stealing our money ).
On XXXX XXXX, XXXX I requested copies of my monthly statements for the period of XXXX, XXXX and XXXX XXXX since I have n't received my statements. I have logged into the online service where both my old / closed Walmart account appeared and my new Walmart MasterCard appeared. But for whatever reason Synchrony bank removed my Walmart MasterCard from being viewed denying me access to view charges, interest and any transaction posted to the account. In other words denying the same right given to other regular customers who receive timely access to their monthly statements. I received a response or XXXX dated XXXX XXXX & XXXX, XXXX advising me that they would make every effort to resolve my inquiry in a timely manner. We are now in XXXX XXXX and I have not received those statements. This week I logged in to see if I had my access to the account reinstated but nothing has changed.
As a consumer on multiple instances, I have written several letters to XXXX TransUnion, and XXXX exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, TransUnion, and XXXX are in violation of the FCRA.

I will upload the letter, I received from the U.S BANKRUPTCY COURT confirming that they do not report information to XXXX, TransUnion, and XXXX. in addition to a letter from XXXX  confirming my file with them is and was locked when XXXX, TransUnion, and XXXX claimed to have verified information through them, which is illegal and against the law. Along with the complaint letters I sent to XXXX, TransUnion, and XXXX.

" I'm asking that the CFPB assist me in this matter because XXXX, TransUnion, and XXXX has violated my rights to the fullest and this matter has affected my life in the worst way.
The company calls me repeatedly at XXXX. I have tried to call to even find out why they are calling and they wont tell me. They argue saying I live in Indiana when I live in California and have never lived in Indiana. Wont tell me what they claim they are calling for. They hang up on me when I ask for a supervisor or tell me one will call back and they never do. 

They just harass me!
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Discover Card offers a free FICO credit scorecard service. That same score that they provide free of charge is the score Discover uses in order to determine eligibility for their credit card. According to their own information my score is rated GOOD ( XXXX ) with 100 % on time payment history. Both are excellent in determining a potential card holder. On the site they have a Pre-qualify option, soft credit hit, using the same FICO info they provide.I have submitted at least 10 applications via this option to see if I qualify. I have been denied every single time. I have researched Discover 's parameters for card holders, and I fall within their guidelines with both income, credit score, and credit history. I believe I am being discriminated against for whatever reasons. I have called and NO ONE will even discuss the application with me. Discover is not practicing due diligence, and I believe I am being discriminated against.
This company is using I guess a dialing system they are calling from all different kind of numbers and its practice is going against FDCPA rules. I have been called from XXXX XX/XX/XXXX 8 times in 1 day some of them are back to back as of right now filling this form out at XXXX cst no telling how many more I will get till XXXX. XX/XX/XXXX 10 times in one day. XX/XX/XXXX 5 time in one day. XX/XX/XXXX 7 times in one day. XX/XX/XXXX 11 times in another day. XX/XX/XXXX 5 times in one day. I also have a log for a message for XXXX nothing is said. I have them all on my cell phone log for records. I am also begin called from XXXX nothing too bad with this number no more than 4 times. XXXX 9 times in one day. 6 times in one day. 5 times in one day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. This is harassment in the highest level.I feel this company ca n't call you repeatedly or continuously to harass, abuse, or annoy me.
Dear Sir/Madam, In XX/XX/XXXX, Costco terminated their relationship with XXXX XXXX and required use of a Visa credit card. Citi offered a New Costco Anywhere Visa Card and with it advertised rewards which included 0 % Intro APR on Purchases for 7 months. I signed up for the card but noticed that Citi applied late interest in month 4 which I refused to pay, so the interest charges continued for 3 additional months despite paying off the balance of my merchant charges. I sent Citi several letters detailing the interest error, but they replied the charges were correct. Ultimately, I stopped using the credit card and Citi then charged me a {$25.00} late fee for not paying the late interest. During this dispute, Citi sent me a notice expressing thanks for being a great customer and lowered my APR for new and existing purchases on my Costco Anywhere Business Visa account through XX/XX/XXXX. In other words, Citi twice offered me 0 % interest, yet they charged interest. Also, nowhere in the Citi card brochure or on the Costco Citi Card web site does it discuss a late fee in addition to late interest. 

Citi clearly waived any interest from the start of my new credit card account until XX/XX/XXXX, yet they charged interest and continued to charge me even after I paid off the principle. Once I discontinued using the card they then charged an undisclosed late fee on the late interest. Their non-transparent, deceptive and disingenuous business practice is abusive, intimidating and unfair. I spoke with a Citi representative ( XXXX ) on XX/XX/XXXX who told me I misunderstood the notices discussing the 0 % interest offers and apologized for my misunderstanding of the unambiguous Citi notices as if I were an idiot. She then went on to tell me my account was put into collection for non-payment of the late interest, which should never have been charged, and a late fee on the late interest which is even more ridiculous. Credit card companies should not be allowed to defraud the public, and I respectfully request that you investigate Citi 's offensive actions. Thank you.
From my understanding XXXX XXXX XXXXXXXX and Navient has a class action lawsuit filed against both organizations. I am a former XXXX grad. Navient is my student loan serviced.
This company has called my family and I about a payday loan. They have used profanity and threatened to take money from us. They even called my sister and harassed her and told her info about herself that they were never given by my sister. They call from various numbers all day every day. They tell us they are gon na have papers delivered to our place of employment or residence. We have received nothing in writing to this affect. The original copy has sold my information to various other companies and now all of them are trying to scam my family and I.
The complaint i am filing is against XXXX XXXX XXXX. They finance my Walmart card ( s ) and XXXX 's card ( s ) .Recently i was informed by XXXX that my XXXX XXXX cards were closed and that the Walmart credit limit on XXXX of my cards was reduced. The reason given for these changes was that they recently re-reviewed my credit report and the report showed delinquencies as well as late payments. I have none of these and I am not understanding where they have come up with this information. i am also wondering why and how they could pull a XXXX credit report without my permission. I am very disturbed by this since the changes have negatively effected my credit history.
I was searching to refinance my home loan in the month of  XXXX  with several lenders over the phone. I was asking each and every lender what my new monthly payments would be based on a 30 year fixed rate  XXXX  points on our balance we owed. The quote that I received from a sales manager  XXXX   XXXX  NMLS #  XXXX  from Contour Mortgage attracted me since he stated clearly to me over the phone that my new monthly payments would be $  XXXX /month a savings to us of $  XXXX /month. I decided after comparing quotes I received from the other lenders to go with  Contour  Mortgage. I spent {$450.00} on an appraisal, over {$100.00} to fax documents from a  XXXX   XXXX  and {$35.00} to cancel a check on account of this loan only to learn near closing that our new monthly payments were actually going to be $  XXXX ./month and not $  XXXX ./month as he told me when I made my decision to pick his company. I emailed the branch manager  XXXX   XXXX  NMLS  #  XXXX  on    XXXX   XXXX  2017  and told him that I was misled by his dishonest sales  manager   XXXX   XXXX  and was seeking a refund of my money spent on this loan.
This duplicate case is in reference to complaint no. XXXX. The attached documents are XXXX credit reports pulled on XXXX XXXX, 2015 and XXXX XXXX, 2015. 
The XXXX XXXX report shows a total balance of {$280.00} with an on time account, last paid in XX/XX/2015.In XXXX 2015, the new report shows the following inaccuracies that show the Company BACKTRACKING information.The last payment shown is in XXXX 2015 and the charge off is shown as disputed. I never disputed the charge with Toyota or any credit companies. I was working with the CFPB and can be quoted on an XX/XX/XXXX call with TFS as having said so. Also, how can an account in 15 days, go from on time status to charge off with no notice or communication to me? The XX/XX/XXXX bill was sent 15 days later and nearly five months after I returned the car to the dealership and reached out to them immediately, asking them for the balance due ( even though my XXXX 2015 credit report showed {$280.00} ). After months of TFS and the dealership telling me they are " trying to figure it out '' they finally sent me the bill on XXXX XXXX, while at the same time without notice put me into collections. I should have had enough time to cut them a check. 

According to the Fair Credit Reporting Act, " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. '' I want this removed from my credit. After that is completed, I will pay off the total balance owed on the account.
When I use the XXXX store card or the XXXX XXXX card and I get a refund it's never credited to the card it never comes off the total it is held as a gift card so they never lose that money and I never gain it back
I have been in a continued struggle with American Express Serve regarding a charge on my account. On XXXX XXXX a charge was placed on my account for the amount of {$200.00}. I was told by the merchant on XXXX XXXX that due to an issue with their billing system as well as several issues during my stay I would not be charged. I attempted to get the charge reversed and was even told by the assistant manager that she would reverse the charge but only the XXXX could process it. I was unable to resolve the issue directly so I then filed a dispute with American Express. I received an email asking for necessary information regarding my dispute which I provided as well as contacted American Express and explained the entire issue to a representative which I believe misfiled the dispute because then it was closed on XXXX XXXX because they said they did n't receive any info. I requested the dispute to be refiled and the dispute was n't refiled until a month later. During the entire process I spoke with numerous supervisors who on each call gave me a different story on my dispute but we 're all just excusses on why I was still waiting. I was also promised a provisional credit by American Express which was not honored. I then spoke to a representative and supervisor who told me that the merchant agreed to refund the charges which have not yet been refunded. Then today I spoke to a representative who told me that was also not true and that the dispute was still in progress even through it has been over three months since the charge was originally placed on my account. I also have all conversations with American Express recorded in compliance with my local state and federal laws when the representative promised a credit as well as being told that a refund was going to be issued.
o My wife opened this account over 15 years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX, Texas in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a XXXX. 
o I XXXX for 8 years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX, o I have XXXX. 
o We both take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls XXXX XXXX refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by Port Folio Recovery both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XX/XX/XXXX
I have provided Experian proof of a student loan that was paid off. I have also provided CFPB with the same documents. My student loan debt, in the amount of {$68000.00}, has been paid off to XXXX XXXX XXXX and I have documents to prove it. Experian refuses to actually call XXXXXXXX XXXX XXXX to verify and correct this issue. Experian is very rude when you try to call them to get this resolved. I need someone to help me get this resolved so this {$68000.00} debt can get off of my credit report. XXXX  and XXXX   have this loan paid off correctly, but for some reason Experian can't get their act together even when documentation has been provided. PLEASE HELP ME!
This account was created fraudulently. I never opened this account. I even paid toward the account to get it off my credit file in 2012. They still refused to remove it. Customer service representative did n't care about me not creating this account. They still held me responsible for this account that I did not create.
On XX/XX/2018, my credit account showed signs of negative activity from a lender whom I never was loaned from, owed or in contact with. The bureau name is Wakefield and Associations, a medical lender. Nothing has been reported to me, I was only able to see this activity from my XXXX XXXX XXXX app that I closely and properly manage. No past payment details have been provided or reported, there is simply no trace of any debt owed to this mysterious lender. There is a balance of {$510.00} owed to said debt collector. I've contacted the company via certified mail, requesting proper documentation and debt validation to prove this is truly my debt. Thank you for your time and help with my case of what I believe to be, fraud.
Today is XX/XX/2016. Approximately 2 weeks ago a Discover card debt collector contacted my father at his home looking for me. Which made no sense since discover had my contact info and had been speaking with me. They told my father that they were trying to reach me. They also said that I was behind on my payments by XXXX and that I owed a total amount of ( I am unsure what the total was at that time ). My father told them I did n't live there and never have and to not contact him again. I have not spoken to my father in almost XXXX yrs. Discover had no business giving out my personal info. They did however leave a contact number, ( XXXX ) XXXX, which is a Discover card number.
XXXX   XXXX  2017 bank of america closed my savings  acc. they said someone wired to my acc. {$7800.00} from mobile app. they think it 's fr aud. i do not who know  sent . i  called them 3 times on the  XXXX   XXXX  of  XXXX  + they will not tell me anything. y our acc. is closed + you can never open up another one again but you can still use your credit cards. i want down to local bank + they could n't tell me anything. they said fraud can shut down anyone. i only had {$580.00} in acc. i did n't do anything wrong. i s till do n't have my  XXXX  my savings acc. was tied to credit cards with my points going to my savings acc. i 've had credit cards with them for  18  yrs this is crazy
I have had problems with identity theft and forgery, I have contacted all 3 credit bureaus and let them know about the problem I have been having. Equifax will NOT remove this fraudulent account off my credit report and i have reached out to them and the creditor twice regarding this account. The other bureaus have blocked this information from my credit report. The company has failed to comply with the Fair Credit Reporting Act regarding identity theft. This has been an on going issue and it is causing me a lot of pain and suffering.
Good afternoon, On  XXXX   XXXX   2016 I m ade a purchase on  XXXX .     I  XXXX   XXXX  a received a package from the merchant  XXXX . The package contained the wrong merchandise. I returned said incorrect merchandise back to the merchant. They received the merchandise verified by ups tracking # and signature proof of delivery.     The merchant claimed that they sent me the correct watch and that the watch I sent them is not what they sent me. They refused to issue me a refund, and also said they were keeping the watch.     I have been in contact with the merchant and credit card company since  XXXX  of    2016.      I contacted my credit card company  American Express who closed the investigation a couple days ago in favor of the merchant. I supplied pictures, tracking # s, and proof that I tried to resolve the issue with the merchant. The merchant will not issue me a refund, and American Express will not resolve the issue either. Please help. Tha nks
recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX declined me,XXXX  fcra, same job XXXX years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..
The payment history on this revolving account ( Acct # XXXX XXXX is being reported inaccurately. I have never paid this account 30 days late. In addition the referenced late payment is invalid as the month of XX/XX/2018 only has 28 days and not 30.