WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I received a call from Genesis Credit Management, specifically an individual named XXXX XXXX. He called to tell me that I owed $ XXXX for a judgment that was already settled. When I advised him that I had an attorney who was retained & told him the first name of my attorney ( I was so stunned at his aggressive & threatening tone that I forgot the last name of my attorney ). He then began literally mocking me, saying " yeah, right. Everybody has an attorney. Just pay your bill, I know you don't have an attorney. '' I, again, stunned at his open mockery, told him that he can not talk to me like that. He again aggressively demanded that I just pay the money, that he knew I didn't really have an attorney. I tell him that, as an attorney myself, I knew my rights & that I would be filing a complaint against him. Mockingly, he says, " oh really, with who. '' I say a consumer protection bureau & he again mocks me, tells me just to pay the money I owe. The entire experience was not only humiliating, but horribly offensive. I have received no billing from Genesis Credit Management & no other indication, other than this horribly offensive, aggressive & threatening conversation with Mr. XXXX, that any amount is owed. After demanding to speak with his manager, she seemed somewhat more helpful, but I still dispute the validity of this debt. I gave her the phone number for my attorney & was FINALLY advised that since I had indicated that I was represented by an attorney, they have to consult with him.
This complaint is about Navy Federal Credit Union XXXX Check No. XXXX dated XXXX XXXX XXXX in the amount of US {$85.00} payable to the payee appearing on the face of the check. 

The amount was debited by the bank ( Navy Federal ) from my account with them as of XXXX XXXX XXXX despite the check issued never have been gotten hold by the payee much less endorsed by nor being deposited in her account.
I have student loans from XXXX XXXX called XXXX loans. From what I understand based on an article on your website, these loans were supposed to be reduced by approx. 40 % as a condition of the sale of XXXX to the new owner. This article was from XXXX, 2015. From everything I read, this reduction should have been automatic with no action required on my part. As of today, my loan balance has not been reduced at all. It is still around {$17000.00}. I would like to have the reduction I believe I am entitled to based on all the fraudulent practices of XXXX.
They state I owe {$88.00} and have never produced XXXX shred of evidence supporting their position. I never received services from the hospital and the hospital has been closed for over a year and a half. I was able to contact the XXXX XXXX Hospital board and confirmed with them that I do not owe this debt and have a letter confirming. However, I have disputed this claim with all XXXX agencies and they wo n't remove the fraudulent collection.
I really hope you can help me. XXXX and XXXX reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with Cavalry Portfolio Services that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
My mother passed away this week and with that I found out that she had taken credit cards out in my name.I did not know about these cards until this week. I have no way of accessing these accounts and do n't even know where these cards are.
I contacted mortgage servicing company regarding my homeowners insurance which they took time to pay. It was finally paid but now has been paid multiple times resulting in me having a negative escrow account.
On XX/XX/2018 Santander Consumer, reported a new amount owed of XXXX on a charge-off account. Also reported a missed payment. This car was a total loss XXXX XXXX and my Gap insurance paid Santander Consumer.
I received a notification today that a collection was added to my credit report in the amount of {$240.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
I called XXXX to activate my new card ( I haven't used the account in over 1 year ) and found out that someone did a live chat on their website to put their self as an authorized user. They referred me to Experian credit bureau to put my social security number on a fraud alert. I did this on or about XX/XX/XXXX/XX/XX/XXXX. It was all voice prompts and I had to enter my social security number over the phone. Another incident happened to me so I called Experian back and did another fraud alert, again through automated voice prompts, and was told again that they would report this to the other credit bureaus. Where I couldn't speak to a live person at Experian, I called XXXX and they told me that they had NOT received any information on my claim. I find this to be EXTREMELY upsetting for several reasons, with all the identity theft rampant these days, I entered my social security information over the phone TWICE with this credit bureau, they are a credit bureau and supposed to help you and they didn't report it to the other two bureaus. They should be investigated to make sure their telephone number is correct, what happens to the personal information that I entered into their system, why aren't they doing their job?!!!
13 years ago we got this mortgage through one loan company and paid XXXX a month since then this has changed hands 3 times now pay over 600. only options current mortgage holder has given us is loan modification. also believe we had a fha loan now not so sure this is true anymore. during winter months husband laid off and summer I 'm laid off. fell behind 8 years ago when husband XXXX XXXX and me 4 years ago when was XXXX XXXX. try to talk to them but all they are worried about is getting there money, I 've even went with out medicine before to make a payment.
Ive been totally XXXX since XX/XX/XXXX, Ive been paying 12 years and i still have another XXXX or so years left. my husband is now not working, we are receiving social security. My husband is XXXX military and just came home for good from working in XXXX for 5 years. Ive tried asking for some kind of relief, but they will not help. Please someone help me to get this debt discharged. Borrowed {$20000.00} and to this date i still owe XXXX approximately time started repaying was after my daughter graduated from college in XX/XX/XXXX. American Education services is the loan person Thanks, XXXX XXXX
Items were properly removed from XXXX and XXXX files. By LAW the other 3 must comply w same. 

They have refused to do so. I just recieved letters from XXXX and XXXX saying accounts were purged. The other 3 have not complied. It is not up to the company involved to remove this inaccuracy and failure to validate the debt. 

The debt is not owed for numberous breaches of contract on company fault, not the consumer. As such.. 

The other 3 must also delete the info. XXXX XXXX was asked about this and this inconsistency. They provided no answer. The FCRA, however, itself provides this answer. THE BUREAUS MUST COMPLY and SHARE the DELETIONS. If one deletes it, so must the others.
I have tried on several occasions over a years time to request information to try and validate a debt they claim that I owe. All they are able to provide me with is a credit card statement. I have contacted several times asking for verification with my signature or some contract with a signature in order to validate that said debt is mine. They have been unable to provide any additional information. I am not able to validate debt and there continued reporting of this debt is bringing my credit score down.
I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Lending Club under false pretenses. Lending Club either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. The only reason I found out this information is due to the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased as a result of the audit and the predatory lending practices of that company, hence the reason I am looking into my loan with Lending Club, in addition this astronomical payment is causing a hardship on my family, due to relocations and my husband 's loss of income.
In XX/XX/2014 my wallet got stolen and I reported all of my cards. I was charged on a few including my XXXX  card that I m now complaining about nd taken to collection. My other cards, the amounts not mines, were disputed. However, XXXX took me to collection without taking my dispute in consideration nor my complaints. I told them what happenwd but they did nothing to help me. They just wanted to charge me and disregard my complaint. The amount on XXXX Card charged is about 990-1,200. They continue to send me letters changing the amount. They ruined my credit but continue to charge me as well as debt collection.
I was owed a refund from XXXX after I cancelled their service. Instead of refunding the payment mechanism used to pay them, or by check, they arbitrarily decided to refund me via a Prepaid Debit Visa issued by Citibank. XXXX signed me up for a financial product, and entered me into a cardholder agreement with Citibank ( while sharing my PII with them in the process ) without my explicit permission. From the cardholder agreement : " To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account ''. I did not give XXXX permission to " open an account '', on my behalf with Citibank nor am I ok Citibank holding my personally identifiable information. Additionally, there is no option to receive cash out from the Debit Card. So, I am now forced to purchase something in order to receive back money XXXX owes me. This was not a promotional refund. This was a pro-rata refund of monies I paid to XXXX for unused services. Additionally, there are fees attached to this card ( see attached schedule from the cardholder agreement ) which I find objectionable. Even if all of this is disclosed somewhere in the fine print of XXXX 's customer agreement, I do n't see how negative enrollment into a financial product, without a limited power of attorney, which would absolutely be necessary to enroll me in a financial product, could be legal.
XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per XXXX XXXX. My equifax score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.
On X/XX/16 an individual contacted myself stating he worked for student loan relief/Obama forgiveness program. Representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included some sort of contract from manhattan beach venture LLC stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX XXXX  whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down and get my money back. I do not want someone else to be scammed by this company.
Our records that we found indicate that we purchased our home in XXXX for {$320000.00} and our servicer was XXXX. Then records indicate that we refinanced our home on XXXX XXXX XXXX for {$460000.00} with XXXX. Records indicate that in XXXX, XXXX went chapter XXXX bankruptcy in XXXX Delaware. The trustee for XXXX sent us an email stating that they sold our note and Deed of Trust to XXXX XXXX in XXXX. Documentation reflects that we contacted XXXX XXXX XXXX multiple times which was at that time a servicing company that was owned by Goldman Sachs. We requested in writing ( certified mail ) from XXXX XXXX XXXX, to provide us assignments of all the investors that owned our note and Deed of Trust since XXXX. XXXX XXXX XXXX failed to provide the documentation that we requested. Then we contacted XXXX, our trustee by email. We requested to know who was the current investor of our note since the trustee collects the payments from the servicer and maintains investors/security holder records. XXXX stated in the email that the investor was XXXX funding. I found out that XXXX funding and it 's affiliates also went chapter XXXX in XXXX Delaware in XXXX. Goldman Sachs then sold XXXX XXXX XXXX to XXXX XXXX XXXX. We requested in writing ( certified mail ) assignments of all investors since XXXX. XXXX stated that XXXX loan trust XXXX owns our note and deed of trust. This is incorrect because this note and deed of trust is ONLY placed within this trust and are NOT the investors. This reflects on the original note and deed of trust that the servicer must go by! NOW ; even though we had a modification, the modification does NOT in anyway reflect who the current investor is and if the investor obtained this note legally! The current investor must prove legal ownership of this note and deed of trust by providing a copy of all assignments going all the way back to XXXX! Then we sent Goldman Sachs a letter by certified mail requesting to know who is our investor and provide assignments going all the way back to XXXX. As of today, we have not received the assignments ( proof of ownership ) that we requested from Goldman Sachs. The assignments that we are requesting would reflect who our current investor is, who owned this note prior, dates when purchase, dates when sold, going all the way back to XXXX. I believe that XXXX, Goldman Sachs, XXXX XXXX servicing and XXXX XXXX XXXX do not have these assignment records of who owns or owned this note! We believe fraud has occurred! We are still requesting all assignments going all the way back to XXXX. Now ; as I stated before, the trustee for XXXX sold this note and deed of trust to Goldman Sachs in XXXX. If Goldman Sachs did sell this note during the financial crises, then Goldman Sachs may have misled the new mortgage bond investor during the financial crises. Goldman Sachs must be required to provide the documentation ( assignments ) that we are seeking going all the way back to XXXX.
I am trying to cancel my Amazon Prime Store Card issued by Synchrony Bank. I have {$0.00} balance. They will not cancel the card because I changed my phone number and they will not accept any other method to verify my identify.
I was searching for my trade-in value on XXXX and there was a link to XXXX to look at possible car loans. I thought it was just rates. There was no indication that a hard credit pull would be made, let alone multiple! I filled out an online form on my mobile device. Then I started receiving multiple alerts of credit inquiries. I contacted Lending tree and they said I should have clicked on some grayed out " i '' that would have shown disclosures. They have completely destroyed my credit. Inquires from " XXXX '', " XXXX XXXX XXXX '', " XXXX XXXX XXXX  '', and I think one directly from XXXX that is not showing right now.
XXXX XXXX XXXX / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with Equifax, but they came back saying XXXX XXXX XXXX / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.
I have XXXX accounts with XXXX XXXX XXXX XXXX that I was paying them directly XXXX each month. Then I received a letter from Grant and Weber Arizona , Inc. They are a debt collection agency. We started payments of XXXX a month on each account. We have missed some monthly payments, but have called and tried to tell them the reason for not being able to pay at the time. We have never had a monthly statement of any kind showing payments we 've made, or the balance due. Just a few months ago, I called them to tell them that we would not be able to make the payments. I called and left XXXX ( XXXX ) voicemail messages for XXXX XXXX. He is the one handling the debt. All the messages were made within a weeks time. He never returned my phone calls!!! My husband XXXX has even called him, and he never calls back, unless we have called about paying the debt off. Then he calls right back! The principal balance we owe is {$530.00}. He sent us a letter that says he 's charging us {$190.00} in interest, making the total amount due {$730.00}. There has never been any talk of interest to be charged with these accounts. I do n't feel that this is right considering the effort we have made to keep in contact with XXXX. Can he legally charge us interest on a medical bill? We would like to ask for your assistance with this matter. Thank you.
There was a fraudulent charge with my debit card. I did not make a purchase and someone charged XXXX dollars in equator. I informed the bank within 2 business days and filed a fraud claim. The bank denied the claim and said they would take my funds.
I have on several occasions tried to have the credit reporting agency remove some inaccuracies for my personal information on my credit report. The reporting agency has some addresses listed as " apts '' that are not. The agency has some unit numbers listed incorrectly on a number of occasions. The agency has a great amount of addresses that are listed incorrectly ; i.e. apartments, single family, business, and WILL NOT remove them. Furthermore, my legal name is either repeated or reported incorrectly and these illegal entries are reporting falsely on my credit report.
I am a TD Bank account holder. I receive overdrafts for what I believe are not fair practices. If I make a charge that will overdraft my account, it is put in pending. If that same day or the next day that I notice it, I make a deposit, that same deposit is put as pending. When they clear, even if cleared the same day or the deposit clears prior to the expense, an overdraft fee is assessed. 

Additionally, it becomes difficult to track because of the disjointed design of the banking statements and online account view. 

The statement separates deposits, expenses and daily balances. The online view will show as things clear ( my account has not gone negative according to just the last week, yet I 've been charged almost {$200.00} in overdraft fees ). 

I attempted to speak to TD about this and they refuse to acknowledge the usurious nature of these practices.
XXXX XXXX did not follow California Law where a consumer is given the opportunity to dispute a debt. There is now a Collection Status on my credit report, negatively affecting my credit score. In XX/XX/XXXX& XX/XX/XXXX, the account was under investigation with XXXX, but the results were considered 'Verified As Accurate ' after the second dispute.
I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive level. After a review and despite the amount was in dispute and finally corrected  they continue to report it as a negatively on my credit report.
To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency Southern Management and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX