WillisBack/dataset-financial-user-claim huggingface dataset:
ZENCO Collections deducted funds from my account without proper authorization. ZENCO called my home to collect a 30 year old credit card debt from my wife. They threatened to put a levy against our home ( illegal given statute of limitations, and consumer protection laws ), and subsequently tried to send my wife to finance department to authorize deduction from account. However, ZENCO stated they also needed my authorization ( husband ). When my wife called I instructed her to hang up. Next they sent a document to e-sign, neither of us signed it. However, they fraudulently deducted {$2100.00} from my account. I called the bank and had it reversed as fraud. I am now receiving ongoing threatening phone calls of them reporting transaction the state AG. I am now seeking legal advice as to my options for actions against ZENCO. However, I want this recorded with CFPB to help others and my good faith effort to resolve before I seek escalation of this matter to other available sources.
Re : GC Services Limited Partnership ( XXXX, XXXX ) I received a letter about assistance with debt repayment and called to inquire. I was traded from one person to another taking a significant amount of time so I ultimately ended the call. I personally had no additional interaction with GC Services after the above call. 

XX/XX/XXXX my Uncle who lives in XXXX called me saying that he had received multiple voice messages from GC Services ( XXXX XXXX? ) leaving his phone number and saying that he needed to get in touch with me. 

Upon calling GC Services, I learned that it is a debt collector calling about a credit card outstanding balance. When I questioned their tactic of contacting and leaving messages with my uncle for me to call them I was met with indifference and basically contempt for the fact that I would even question their methods. 

Thereafter, I was pressed by the GC Services representative to get into a settlement or be left paying the entire balance. 

My concerns : ( 1 ) The sneaky and questionable tactics they used to reach me ( leaving messages with my uncle w/o disclosing why they wanted me to call them ). 
( 2 ) My uncle is no where included as a co-guarantor or contact on the card, so obliviously GC Service searched for any random family member sharing the same last name as a method for getting me to call them. 
( 3 ) Leaving messages on my Uncle 's voice machines saying for me to call them. 
( 4 ) How many other family members did they randomly call? 
( 5 ) I have to assume that it would be obvious to my Uncle ( or any person to get such a message ) why someone like GC Services would be calling and leaving messages like this. By extension, in trying to get me to call them, they were in effect violating my own personal privacy. 
( 6 ) The indifference shown by the representative when I raised the issue of the tactics used to get me to call them. 
( 7 ) The pressure excerpted on the call to get me to agree to a settlement or else face paying the total amount. 

This is the first time that I have had to deal with debt collectors and it is due to the loss of a family member and being out of work. 

What I experienced with GC Services was exactly what I think of when I image the stereotype of a " Debt Collector. '' Questionable border-line unethical tactics and pressure to conduct their business. 

Thank you for reviewing my compliant. GC Services should be monitored moving forward for the manner in which they conduct their business.
I have sent Documentation that this is NOT mine. 
They replied twice that they have verified that it is mine. 
I have a letter from the collection agency ( that I sent to Equifax ) that states the docket is NOT mine and Equifax still says it is. 
What can I do?? 
XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXXAll other agency 's have removed it all ready.
I submitted a request for an FHA case number transfer from Loan Depot over to XXXX XXXX. Loan Depot then told XXXX XXXX that I did not want to move forward which was a lie and I feel that this company thinks they are to big to be wrong. I am just trying to refinance my home with XXXX and Loan Depot is not allowing this to happen after a number of requests.
I just received the fourth notification letter from SYNCHRONY BANK since XX/XX/XXXX of this year about needing additional information associated with a credit application ( three were associated with WALMART and the most recent dated XX/XX/XXXX for JC PENNEY. Trouble is that I have not applied for a credit card with these companies. Within a day or two of receipt of the notifications I called the number listed within the notification letter to complain and was told that their fraud department would be notified to prevent issuance of a card for my name and address but apparently they do not know how to stop processing applications under my name and address or their fraud department is a bit indifferent as to this type of harassment.
A medical debt in the total of XXXX was attempted by another collection XXXX XXXX XXXX, I have brought this up to the credit bureau and have a letter from XXXX stating this was removed and would not return back on XX/XX/2017. This debt has already been removed from my credit and now has been somehow sold to another company Transworld systems. I do not want to go back through the process of taking this back to the credit bureau. Please remove as it should have been removed permanently. If need be I can provide the letter. 

Thank you
XXXX has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with XXXX XXXX XXXX TransUnion regarding items on my credit reports. XXXX claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately XXXX/XXXX/XXXX. After concluding their investigation XXXX/XXXX/XXXX XXXX agreed with me and deleted the item ( see enclosed letter ). 

On XXXX/XXXX/XXXX XXXX claim to have investigated and VERIFIED this item by means of XXXX! 

XXXX XXXX XXXX TRANSUNION show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...
Since XXXX the XXXX XXXX of XXXX XXXX ' has called my home phone number XXXX times. The robo call stated they are a debt collector and ask for a return call. During this time I have noted XXXX phone numbers. Today I returned their call, the first XXXX numbers are no longer working numbers and the newest one XXXX is a number that does not have a voice mail box set up yet. Due to these robo calsl I have to allow my answering machine to handle all incoming calls. This has the effect of denying me the unrestricted use of my home pone. My home phone number is on the 'Do Not Call ' registry.
I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, Transunion & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX
XX/XX/2018 I called Transunion and faxed the requested identity theft reports from the Federal Trade Commission and was told that the items would be disputed. I informed the representative that I was not trying to file a dispute, that the listed items were fraudulent accounts that resulted from identity theft. I spoke with a representative today and was told the FTC reports " did not meet their procedures for blocking accounts. '' I asked the rep to send validating documents that were used to verify the accounts, which I was informed they couldn't send. I'm just frustrated not only was the US supervisor ( rep ) speaking in a very rude manner, but I just don't feel it is fair for these accounts to still be reported when they do not belong to me. I couldn't even get the addresses linked to these accounts. I've previously tried contacting the creditors directly to no avail. They sent bills, no contracts with signatures or anything so I'm thinking the accounts were possibly opened electronically.
I disputed a XXXX Tax Liens out of XXXX XXXX, Arkansas ( which I havenever lived ) with XXXX and Equifax. Well, XXXX investigatedand resolved the issue but Equifax did not. They say it " IS '' me and ifI am not, I should contact them. 
This is affecting my life and I need it resolved. 
Thank you!
I took care of all accounts and the consumer agency keeps threatening me sending me text message their fraudulent.
On XX/XX/XXXX-2017 I, a XXXX US citizen, attempted to take an auto loan through Ally Bank, using my husband, who is a XXXX XXXX XXXX, as my co-signer. I was approved, but d/t my prior bankruptcy my APR was high, but by combining my income with my husbands, I would be able to get a much more favorable APR. The dealership first said that Ally bank was requiring to see a copy of my husbands Social Security card, which I reluctantly submitted, confused because I was not required to submit mine. After that, the dealer then said Ally Bank was requiring my husband to submit his visa and work authorization card. Again, I hesitated, but sent a copy of his XXXX XXXX over. At this point I was getting angry, because in all my life I had never been required to submit my social security card for loan application. The dealer then said Ally bank was not going to accept the XXXX XXXX, and that the work authorization and visa was required.. Although we explained several times, that being a XXXX XXXX XXXX makes those other documents unnecessary. We refused to give any more info at that point, and were subsequently denied. My husband lives, works, pays taxes, and we raise our family here, just like everyone else. My understanding of the law is that its discrimination to demand certain documents from a person who is a minority, but not demand the same from a XXXX who is applying for the exact same thing. It was a degrading and humiliating experience, and I was sure in the moment that there must be a law preventing such treatment.
I sent Springleaf financial a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
The debt appears on my report. I attempted to pay off the account in efforts to get it off my report. When I called the company they have no knowledge of the account. The forwarded me to 3 other agencies who also could not locate the debt. I have attempted to resolve and want this removed.
I obtained a new number about 6 months ago ... this company leaves constant voicemails everyday ... looking for a XXXX XXXX ... I have no idea who that is and I have explained that to them ... they hang up in my face ... they continue to call.. they argue with me about it not being the person they are looking for and at this point Im tired and ready to obtain a lawyer..
I have a private student wi th Wells Fargo the payment is not affordable for me or my cosigner. We have applied for everything possible to help lower the payments. I have called on a number of occasions and have been given the run around or just left to dry. Basically they told me I should just live in a box but make sure I still make my payments. I applied for the programs offered at least three times with no h elp I even filed a complaint with corporate and nothing help. I so overwhelmed and I feel like completely giving up.
Card ending in # XXXX Bank of America 1. I had a {$1500.00} credit limit which with fees and interest charges it went over {$1800.00} {$300.00} over and a higher intrest rate than the usual, .Almost $ 30 % I had just done a credit check and they reported my account as a charge off. I had missed several payments early in 2017. In XX/XX/XXXX I was called from a specialist from bank of America a lady named XXXX we talked a little she had said that she would get back in a week, which took a month instead delaying any payment arrangement, that is when I received a charge off, which I just found out XX/XX/XXXX this will hurt my score. besides they are breaking rules as in unfair billing practices, and in some cases they use peoples checking money for their own use BO AMERICA is being sued for millions of dollars I Told them I 'm a customer I had mention the late response from XXXX as far as payment arrangement that 's not my fault. I said work with me the charge off no response I had to hire a law firm for credit repair. So this time they are not fexible, I dont understand this company. they are afraid to go to court. So why is it my fault with a charge off cause of XXXX.I had mentioned today, its not fair and I want to move from here of 45 yrs in crete  the fees the intrest rates the highest unfair billing and late response what else????
This is ONGOING-especially during summer months with Green Tree LLC. They can NOT post a payment in a timely fashion. For some reason it takes LONGER usually starting in XXXX to receive and post a payment correctly. Then the arrears process begins against my account which is an ERROR on their part, but they show my account for my mortgage delinquent and then I start the complaint process against them. This has been ONGOING since XXXX XXXX XXXX XXXX XXXX dumped me in their care. The payments are made, they just do NOT process them, they clear my bank. I write checks and mail them for a paper trail, because you NEED a paper trail to prove everything with this unfortunate excuse for a servicer. They are inept, they do NOT practice general accounting principles. They charge BOGUS late fees, and my personal favorite ... the dinging of your credit so you ca n't get AWAY from the vultures. My Congressman is SICK and TIRED of me complaining to him about their inability to service a mortgage loan correctly. But NOTHING gets done, the complaints from the masses continue, the BBB told me they get NO where with them. NO one seems to be able to make them DO what they are supposed to DO.
I opened up a billing dispute for an item never received for my American Express Card in the amount of XXXX on XXXX/XXXX/15. It was for a custom engine that was never received and this non deliver was verified by third party California XXXX XXXX XXXX XXXX. The XXXX agent advised me to use continue the dispute process through my credit card company. I initiated the charge back via telephone, they were very helpful and mentioned they would get to the bottom of it. They opened up a chargeback and gave me an online resolution department to check status. I went online and noticed they had put the reason for dispute as an Unauthorized charge. I thought this was strange, and I actually called back in shortly after and asked them to change this to correct reason of dispute ( good not recieived ). The service agent told me ( paraphrase ) " their is only one reason in our system so this should be ok, just write a letter explaining what happened and our resolution department will take care of it. '' I thought it was odd at the time that they only had one classification but I wrote in a letter explaining that I was charged for an item I never received. The charge back was ultimately closed, where they did in fact close it as an authorized charge. I wrote back letting them know the mistake and they reopened. Unfortunately same thing happened, miscatergorization, same outcome. I had to contact American Express multiple times and and eventually request a manager who then correctly categorized dispute as items/goods not received. They went back to the merchant and ask for more information, the vendor told them he had given me the engine and they promptly closed case, despite having no evidence that this was actually done. I then had asked for the proof used by American Express to side with vendor. This went around a few times, with this evidence never being provided by American Express nor merchant. Ultimately American Express suggested I go back to the merchant, despite not removing the billing error nor providing any evidence to show that I had received item in question. My concern is how American Express can not remove a billing error and then suggest that I go back to a merchant to work things out, instead removing a valid billing error that I raised. I had tried to work with vendor multiple times and would never gone the route of billing dispute or have an independant investigation if things were workable. I can provide all communication between American Express and I. I also have same information regarding communication between vendor and I. I can also go to court, if needed, to bring the supeonable evidence which will corroborate my case. 

The heart of the matter, I raised a billing dispute, American Express did not remove this dispute. The provided no evidence ( after multiple requests ) that the items were indeed delivered to me.
I took out private student loans beginning in XX/XX/XXXX that came to total {$20000.00}. By the time I graduated and once my grade period had ended I began paying those student loans in XX/XX/XXXX. My monthly payments have been between $ XXXX- {$250.00} every month since then. Over the past 7 years Ive experienced financial hardships ( putting it lightly ) due to the high cost of living + my student loan debt. I attempted multiple times, begging and pleading to the point of tears, literally while on the phone with Navient, to please help me lower my payments. I asked if I could refinance By releasing my a co-signer and they said Yes, after making 24 consecutive payments. 24 months went by, payments made without missing a beat! I was so excited to call and have my co-signer released and my payments lowered after making so many payments! Heartbreakingly I was told that I did not qualify to have said so-signer released or my payments lowered due to my credit, which was actually GOOD at the time ( worth mentioning : my co-signer also had good credit ). Theres never any help other than deferring my loans or putting them into forbearance for a month or two at a time, which only makes the situation worse in the end because of more capitalized interest. I was late on payments some months, but not by much due to Navients borderline harassment phone calls collecting payment. I would be less than a week late and still receive calls multiple times a day, many Saturday afternoons and Sunday evenings. Ive tried so many time over the years to have my payments lowered, all to no avail. Theres never any valid or explained reason other than I just have the lowest payments available already. Heres the kicker- Ive made 72+ payments worth $ 230+ and I still owe {$17000.00} ... thats only {$2500.00} less than what I originally took the loan out for ... 7 years after consecutive payments!!! One interest rate is 11.25 % and the other is 6.25 %. Believe me, Id love to throw larger amounts of my measly paycheck at this balance every month, but HOW?! Im barely surviving as it is. Ive worked steadily 3-4 jobs at any given time over the last 4 years trying to make ends meet. Navient has done absolutely nothing to help me ... Theyve actually done the complete opposite and have seemingly deliberately made life more difficult for me. I dont know what to do any longer. I feel like Ill be paying these for the rest of my life with my incredibly high interest rates and lack of support from Navient.
To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for XXXX years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX or in XXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same XXXX name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX
Received a notice that a payment I never made had been canceled. I logged into my account and noticed an additional payment was sent via quickpay. I never sent the payment. Chase informed me they couldn't reverse the charge until I submitted a form for them to investigate. I am not clear on how this occurred in the first place and never received any notice about someone logging into my account. I would like the money refunded to my account
Disputed XXXX account showing incorrect information and status. Showing trade line as a Charged off account as of XX/XX/2016 which is incorrect. This account was paid in full to the original creditor with a {$0.00} balance. Experian states they verified this with the original creditor, but upon speaking to the creditor they also show a {$0.00} balance and all my payments paid in full to them directly.
I 've been trying to contact transunion credit report because I 've been monitoring it. I noticed that a were removed & have been re-inserted. I have n't received any notification or written documentation from transunion to advise me of this. I know according to the fcra this is against the law & I would like it to be corrected.
Equifax failed to protect my data. This I have to go to extensive measures to ensure my identity is not stolen.
They authorized overdraft fees for posted transactions after my deposit went through to cover everything. There were 4 charges and only refunded one. My deposit was for unemployment insurance. And items posted same time my deposit went through, but their arbitrary charges are still pending!