WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to get XXXX to verify the debt and send me information which they refuse to do. They are also reporting different information to all three bureaus in terms of outstanding balance, date opened, etc. I have tried to get them to remove this inaccurate information with no luck
I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary Stress or Headaches i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX   who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.
In the XXXX 2015 issue of XXXX Bulletin, page # XXXX. R.I.P Off by XXXX XXXX. Social Security death file ; XXXX XXXX advised ; that starting a month after the death of a relative to check the departed 's credit report at Annual Credit Report for suspicious activity .Which i did and as i send all my personal information, at Trans Union it became apparent tha the page is a fraud .The sad thing is that they got my Social Security info and other personal data ..Thank you..
I have a credit monitoring service with Equifax. I am unable to access my credit report due to some type of error within their system. This has been an ongoing problem with my account for well over a year and a half. I temporarily canceled the service last year due to the frustration of the problem. I was able to recently sign back up and gain access to my credit report but shortly after, the same problem started to reoccur. As a result, I am no longer able to access my tri-merge report with any of my other credit monitoring services i.e. Credit Check Total due to the system error within my Equifax file. I have spent countless hours making phone calls to Equifax to no avail. They continuously send me from department to department and nothing is resolved. They tell me things like, a ticket will be created and escalated and should be resolved within 7-10 days. I have waited several 7-10 day periods and still, the problem exists.
On Friday, XX/XX/XXXX, I received a letter dated Sunday, XX/XX/XXXX from Capital One Bank USA National Association, XXXX XXXX XXXX, Utah office stating they believe someone, using some of my personal identity information, recently opened up a fraudulent credit card account with Capital One in my name. The letter did not state whether or not Capital One actually issued a credit card to anyone, but stated the credit card account number ended in " XXXX '' and that I may be a victim of identity theft. The letter further stated Capital One 's customer fraud protection team is investigating this identity theft matter under their case # XXXX. 

During my call to them ( XXXX ) on Friday, XX/XX/XXXX, they essentially repeated what was stated in their notice letter and reiterated I need to report this identity theft matter to all the credit reporting agencies, which I am in the process of doing. 

The customer service representative then indicated Capital One has also set up a second case # XXXX which they are investigating. The representative said the second case involved a fraudulent credit card account that was opened up in my name with Capital One in Year XX/XX/XXXX by someone using some of my identity information. In the second case, the representative said, a credit card was actually issued and an unpaid balance was charged to it. 

No further information was or has been provided to me by Capital One National Association. 

For information, Capital One did make an inquiry on my accounts with all three credit bureaus on Saturday, XX/XX/XXXX, but did not show any balance being owed by me. 

I have never applied for, nor have I ever had, a credit card with Capital One National Association.
I would like to describe a clear violation of UDAAP perpetrated by PNC Bank against me and most likely many other consumers by PNC not properly or accurately disclosing the actual process and delays in crediting accounts for an internal PNC account to account funds transfer ( causing significant financial penalty fees - " Overdraft '' to my account ). 

I recently arranged ( XX/XX/XXXX ) to transfer {$400.00} from one PNC checking account to a PNC Line of Credit Account which covers another PNC cheeking account to ensure I would not overdraw the account. The PNC Bank - Online Banking site clearly discloses a " 1-day delay '' to process the transfer which would have meant the credit to my line of credit account would be made by XX/XX/XXXX ( which in fact it was ) and in time to cover my account against any shortfall. The problem is that PNC did not make such funds available in my Line of Credit account which caused my personal checking to overdraw and to-date incur over {$200.00} in overdraft fees - nice scam if you can get away with it, In speaking to representatives of PNC Bank, they noted they could not assist me with returning my overdraft fees since it was not bank error and they noted the delays in crediting my Line of Credit account would have been disclosed to me in account opening agreements that were provided to me several years ago. This is where the UDAAP violation appears to be. The proper place for disclosing delays in crediting ones account should be on the Online Banking transfer page and not buried in the " mice-print '' of a document provided years prior. 

This incorrect and misleading disclosure of the " 1-day delay '' on the Online Banking transfer page would cause any reasonable consumer to believe that monies that they are transferring from one PNC account to another PNC account would also be available in the receiving account pursuant to the " 1-day delay '' as disclosed. 

I am asking the CFPB to investigate this practice and require PNC Bank to provide restitution to any and all clients that have been adversely impacted by PNC 's flagrant violation of what anyone reasonable consumer would consider unfair, deceptive and abusive. 

I am also asking that PNC Bank correct its Online Banking site to provide accurate and meaningful disclosures about the timing and delays associated with internal PNC Bank funds transfers to inform clients and prevent predatory actions and fees from being assessed. 

Finally, I am asking that PNC Bank refund any and all overdraft fees related to this recent clear UDAAP violation to me as soon and their investigation is completed and confirm such in their formal response to the CFPB.
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX/XXXX Account # :XXXX I was never late 60, 90 or 120 days in the months of XXXX and XXXX 2016.
I have always made my payments on time. 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 there was a billing error with my statement.
I was given a cashier check No, XXXX issued by US Bank on XX/XX/XXXX. The Purpose/Remitter : XXXX issued per notation on the check at XXXX XXXX, in XXXX, KS. 
Around XXXX on XX/XX/XXXX I went to the US Bank Branch on XXXX, XXXX, MO XXXX to cash it. Teller XXXX Ask for my ID. I gave her my driver 's license She asked to install my thumb print on the check. Then she said it cost me {$7.00} Fee to cash the Cashier 's check that was issue by their own bank in different branch. I asked to see the manager XXXX. She also demanded that I pay {$7.00} fee. I told her that her bank already charged {$7.00} to issue the check and the Bank already had the money in their possession and use for three days, yet they try to charge another fee to give it back. She rudely told me that that is the way it is and tried to get me open an account with the Bank. I took the check to another Branch of the US Bank on XXXX in XXXX MO. The same story, XXXX, Assistant Vice President, also demanded that I pay {$7.00} to cash the banks own Cashier 's Check. He added that this is the bank policy and showed me their policy and said all other banks are doing it. This policy, if truly permitted, is Price Gouging, The banks are ripping off the public by charging them twice for the same transaction. Is it true that the banks have the prerogative to charge public any fee they want without a government supervision and control?
To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX XXXX XXXX Equifax XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.
Ohio statute of limitations states I can not be sued on a debt that I fell delinquent on or made last payment on that is more than 6 years. Case # XXXX account number XXXX is for an old cell phone that the original case was from 2008 which means fell delinquent more than 8 years ago and no payments were made in 8 years which falls under statute of limitations and Liberty Credit is wrongfully attempting to garnish my wages and bank accounts. My name is XXXX and I can be contacted at XXXX or via email XXXX
Contacted at my place of employment, by TD Bank collections department after numerouse ( and documented ) requests to contact me on my cell and not my employer. Background : In XXXX of 2015, prior to the XXXX XXXX mortgage payments due, I contacted TD Bank requesting asssistance on my mortgages ( both XXXX & XXXX ). I have all the emails and have recorded all phone calls ( after disclosing I was recording ) in which it is clear I directed TD to call my cell. On XXXX/XXXX/15 I received an email, from a co-worker saying that an XXXX XXXX from TD was calling different departments at my employers trying to reach me. When I returned the call, TD told me that they had no other contact information for me. Again, I can support with emails and recorded phone calls, my contact information of my cell phone. I again asked TD not to contact me at my place of employment.
On XX/XX/XXXX I sent a certified letter to the address listed on my credit report to contact the furnisher to request that they remove the unauthorized inquiry. 
My letter was returned because the address listed on my report is incorrect. 

Santander Consumer XXXX XXXX XXXX XXXX XXXX, TX XXXX TeL. XXXX. 

On XX/XX/XXXX I filed a CFPB complaint about this company XXXX. 
I once agin asked the company to provide any info to show I gave consent or signed a application for credit of any form / written or Electronic. 

On XX/XX/XXXX Santander responded with a statement that they can not verify if a unauthorized inquiry occurred, and that they will need more information to proceed. 

I sent a immediately reply submitted on the CFPB website giving Santander my full social security number and a copy to view to see the multiple inquiries on my credit report. 

Santander then close their response with me on the CFPB with out a follow up statement to answer, with the additional information they requested that was willingly giving to them to assist in their investigation from me, were they able to now provide that I in fact consented to this inquiry with a written signature on a application for credit or a Electronic consent giving permission for these inquiries.
I have a credit card account with Capital One for 5-6 years now. While I haven't used the card much in recent years, I keep getting monthly e-statements from them in my email inbox. 

On XX/XX/XXXX, I decided to login to the online account just to check things, and saw a banner there saying my account had been closed without me asking for it to be closed, or getting any notice. I initiated a chat with their customer support, which was quite frustrating with them giving me stock responses without explaining why they closed my account without even giving me notice. 

They claim they sent a notice to me 90 days before account was closed on XX/XX/XXXX. Interestingly this is at odds with what another representative told me earlier in the conversations, that notices had only been sent out XX/XX/XXXX, not even giving it sufficient time to reach me. I repeatedly told them I did NOT receive any notice, and that I had updated my new address well in advance of them sending any notice. After a lot of annoying back-and-forth, they admitted that the notice may have got lost in the mail, and so I asked them to re-open my account that was already there. 

They kept saying they couldn't do that, and that I can apply for a new account. Clearly after this experience I have no intention of applying for a new account. But my existing account being closed without even giving me a chance to take corrective action can have serious impact on my credit history, and is highly irregular on the company 's part.
There are 2 public records from XXXX XXXX XXXX reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with XXXX and Trans Union to update these items has paid. Please remove these public records from all 3 credit bureaus.
credit card went to collections, and that company calls my house constantly even though I 've told them I can not pay
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through Transunion, XXXX and XXXX  and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.
I have tried to due a loan modification with Caliber home loans they have gave me the run around and request document after document from telling me to keep sending in more documents and having me speak to a number of different people leading me to believe they will work with me only to have me fall farther behind and then tell me they cant help me and try to foreclose on the property leading me to more late payments. I am more than 90 days behind the bank will NOT accept a mortgage payment over the phone or online portal. I summited my 1st request for a loan modification on XX/XX/2017, as my mortgage payment increased, caliber home loans home loans sent me a letter acknowledging, all documents were received then turning around and saying additional documents were needed. I then open up an online portal on the caliber loans website to upload documents they needed after looking at the portal caliber home loans still had the same request for those same documents I called the point of contact and they acknowledged documents were received, caliber home loans continue to extend the process. I have contact Caliber home loans and have brought it up to their attention and they have continued to lied. I have many documents, one recording and a phone call log of caliber home loans not answering my call and dropping the call after transferring over to a representative.
On XX/XX/2018 we sent in a mortgage assistance application provided by the company explaining that we were experiencing a loss in income. We were denied any financial assistance, and when we called for an explanation we were told that we did not make enough income to qualify. This explanation did not make sense to us and we were not provided any additional information upon request. In XX/XX/2018 I made an attempt to pay {$2500.00} towards the past due balance which at that time was {$5500.00}, I was told that they would not accept this payment as it had to be the full amount. Then in XX/XX/2018 I attempted again to make a payment of {$4500.00} towards the past due balance which at that time was {$7700.00} and once again was told they would not accept it because it was not the full amount that was past due. We have continuously made attemps to pay off some of our debt and we have been denied, causing our house to go into foreclosure.
Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX XXXX  ( XXXX ) 13 ) XXXX  ( XXXX ) 14 ) XXXX XXXX ( XXXX )
I was paying on a collections that was on my credit report from an old bill from XXXX. ENHANCRCVRCO had took over the debt once it went into collections. Well I had set up a payment plan with them and I was to make my final payment on XXXX XXXX, 2015 which I was told that by rep XXXX when I had first called into set up a payment schedule. Well before that day came I had called again because I had checked my credit report again and seen it said I owed the company XXXX dollars instead of the XXXX I was suppose to make as my last payment. So, I went ahead and called them to see why it said I owed XXXX dollars as my last payment instead of the XXXX that was originally stated. I was told by a rep who refused to repeat his name or give me his rep number that I owed it and I had to pay it and that was that. I went ahead and paid it because I 'm working on building my credit back up and did n't wan na it ruined by the XXXX dollars he claimed I owed due to bad payment history. My point of this is I was ripped off by this company I know for fact that I only owed XXXX and they jacked the payment up to get extra money out of me.
There is a debt on my credit report that does not belong to me. I have tried relentlessly to get a copy of the original application to no avail. This company is refusing to remove it from my credit and it is prohibiting me from being approved for a home loan. It says it was opened XXXX of 2016 and I did not open this and have no knowledge about it at all.
We bought our home back in XXXX about two thousand and thweve and we had nothing but problem since we had it and from the start when we did get our home there was pose to be things done to it, which was the complete both outside of our mobile home was to be repair cause of siding was needed to be replace of which it was rotted out and we was told this would been done and also our complete roof would be replace and which this was not done either and also before we move in, when we look at our mobile home we saw that their was new complete appliances which was new kitchen stove and over the microwares, new dishwasher, there was a refrigerator in the home when we look at the place and also new complete washer and dryer to do your clothes and also we had to repair the kitchen faucets after we move in and this should not have happen and also the heater and air conditioning unit would not work and we had to call the repair man out which was many times to fixed it right and to this day it stills is not working so good and yes we have sent letters to our mortgage company many times and this was done before we move in and after and to this day and yes we had to replace the XXXX toilets in each of our bath rooms because we had water going all over the bathroom floors and we kept looking to see the place it was coming from and there was clacks on the side of both toilets and yes I or we did replace them at our cost and now when we had to take up the carpet in XXXX of our bath room we saw that the floors underneath is bad and now we are going to this day have to replace this of which we do have the materiel to do the job with which we had to buy these things to do it with and the labor we are doing it ourselves and also we found others problems and yes we sent letters showing al of this to the mortgage company and nothing done as to we had to replace all XXXX fans and light kits in both of our bedrooms and our dining area which was not working after we move in and yes we said something on this matter too and yes we have all of this in written form to our mortgage company and yes we have found few others problems too we did not know and to this day we have put out money of our pockets which we should not have or had too and no we did not buy this home as is and I know better than that because I been around all of this over the years and yes we asking for these things to be repair at no cost or money back to us on what we spend so far and other too