WillisBack/dataset-financial-user-claim huggingface dataset:
I just paid a car loan settlement off in full from SANTANDER and i 'm working on repairing my credit to try and obtain a mortgage. I need a letter stating i have paid the loan off and they want me to wait at least XXXX days. Unfortunately, i cant wait that long so i need the letter faxed or emailed to me now so my mortgage lender can fix my credit. They have taken the money out of my account already and there is no reason why they cant send documentation stating that they have been paid.
This collection company has reported information in my credit report without providing adequate proof of the actual debt or original paperwork of ownership of the account. When I called to request this information about the inaccuracy and try to request documentation, the person that answers " XXXX '' was rude and very condescending. When I asked if I could speak with his supervisor, he laughed at me and told me " You can call and request to speak to a supervisor all you want, but you 're not going to get what you want! '' He went on and told me to shut up and listen to him, that I would need to pay for the full collection if I wanted the account deleted from my report. No documents have been provided up to date and XXXX 's and XXXX 's dispute system has not worked for me one bit. There is a message that states that account has been verified, but I still do n't have any original paperwork. I have done research about this collection company and there are similar complaints about this individual XXXX. I find these offenses to be great FCRA violations as I am XXXX and am held responsible for these laws and regulations. I feel that all should be equal and this company DATALINE should be held within the same standards. 


XXXX
My personal information has been divulged in the Equifax leak announced XXXX XXXX, according to https : //www.equifaxsecurity2017.com/potential-impact/. This information can include my date of birth, full address, SSN, drivers license number, and more. I 've put a 90-day fraud alert on my accounts, but I am filing a complaint against Equifax here as well for potential identity theft due to their actions. Furthermore, I believe this site https : //www.equifaxsecurity2017.com/potential-impact/ itself is unsafe, as it asks me to enter my last name and most of my SSN in order to determine if my personal info has leaked.
On XX/XX/2018 i contacted Wells Fargo because I was unable to download transactions into my XXXX. per online forums there has been an issue with this since XX/XX/XXXX. it is not XX/XX/XXXX and the issue has not been resolved. 

I refer may clients to Wells Fargo and this is unprofessional on Wells Fargo end. they promise easy XXXX  navigation and are not doing as they promise in their advertisements. They have reached out indicating it has been corrected but it has not. Additinionally, when i call ( which i did on XX/XX/2018 ) they redirect me to XXXX ( owner of XXXX  company ). XXXX then indicates to me that it's a Wells Fargo issue.
Navient, erroneously is holding me responsible for loans I never took, from a school ( XXXX College ) I never attended in 2008. XXXX College has confirmed that they have no record of me ever taking any loans this and advised me to deal with Navient directly. Navient, continues to tell me to talk to the school, and will not help me.
Initially given $ XXXX credit limit. Used {$1100.00}. Tried to make {$700.00} purchase - declined! Found out limit lowered to {$1500.00}. Was never late making payments, always paid a little more than minimum. Was never told limit lowered. Seemed unethical & illegal for them to do this.
XXXX showed up on my report ( from a closed acct 10 years ago ) I called XXXX to check on it they gave me the amount same of what was on my report when I contact AFNI debt service the said the want twice what XXXX said also they said I need to pay it then proceeded to tell me I have another account they are trying to collect which I paid and have receipt for I asked them to take that off my report and they said not until I pay the XXXX charge also.
XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both Equifax ; XXXX and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.
XXXX requested balance was $ XXXX settlement amount with XXXX balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX
I purchased a prepaid debit card as a gift at a retail store ( XXXX ) in XXXX or XX/XX/XXXX The person I gifted it to attempted to activate the card via on line and by phone. She was unsuccessful. She returned the card to me and I attempted to do the same and called ( XXXX ) netSpend on three different occasions and they would not activate the card or refund my money. On my last call ( today XXXX/XXXX/XXXX ) they refused to help me at all. I requested to speak to a supervisor and I was disconnected. Please help me
Capital One opened a credit card fraudulently in my name. After unsuccessful attempts to work with Capital One I filed a CFPB complaint. That resulted in Capital One admitting the action was fraudulent and removed card from my CR. I then asked for all documentation used to open the card and was told there was none because it was opened by telephone but regardless they required a subpoena to provide the information. I knew that was not true so I filed a second complaint. That complaint resulted in a letter from XXXX XXXX that I was correct but had to supply them with a signed letter request and two forms of ID. On XX/XX/XXXX I faxed the requested information to the number provided in their response letter. To date I have had no response so I called on XX/XX/XXXX using the XXXX number and the specified 6-digit pin to inquire on the Capital One Case #  XXXX. I was never offered an opportunity to enter the 7-digit extension specified in their letter. When I reached the CSR I was told there was no such Case # in their system. At that point I called the CFPB to determine why the CFPB case was closed and after discussing the status it was suggested I either mail all the documents I originally faxed or open a new complaint. I decided on the latter because XXXX XXXX would likely claim no such case existed and I would be nowhere in resolving this issue.I am uploading the fax cover sheet, the signed request letter, the response letter from XXXX XXXX dated XXXX XXXX, XXXX, the two forms of ID, and the fax tx verification report that I faxed to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX..
Calling my employer after I specifically stated never to call me at work again. Collector is XXXX
I have contacted them so many times in order to help me with lower interest rate and payment plan. They keep refusing. I do not know what to do? XXXX XXXX? I can not pay it.
I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XX/XX/XXXX, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX ac # XXXX please delete this accounts fraudulent charges.
I have received multiple letters requesting payment for a debt I settled a long time ago with a different debt collector.
I had called on XXXX/XXXX/XXXX to get a payoff amount, I spoke with the new American Funding representative that stated I had a payment due. I explained to her my situation that Im going through a tough and stressful divorce that I wouldnt be able to make it. But that on XXXX/XXXX/XXXX New American Funding would be receiving full payoff. I had to sell my home due to the divorce. After being done with the conversation I understood I would be ok because XXXX XXXX XXXX would be receiving their funds in 5 Days. But now I am trying to get approved for a new home loan and can not get it because I had a misunderstanding and new American Funding report a late payment to my credit. I have never had an issue with them the whole 3 and a half years I was with them. I spoke with he XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX didnt get much help from him. I called back in the morning XXXX/XXXX/XXXX XXXX my time ( Texas ) and had to tell the whole thing all over to a representative in home retention ( XXXX ) She took the  message and said the manager above XXXX was in a meeting but would give me a call later in the day. I never got a call back. I called again and spoke with another home retention representative which couldnt or wouldnt get me to a manager. She just kept saying well new American Funding would not remove something from he credit. All I wanted was some help to fix this misunderstanding that happened because of their communication. And got nothing in return but a no we cant or we wont do that, even after receiving full payout this morning ( XXXX/XXXX/XXXX ).
SunTrust XXXX XXXX - Please kindly accept this as formal notice, requesting the termination and closing of Account ( s ), resulting from SunTrust Mortgage , Inc. failure to repay its Funder sums owed rendering a default upon Account. The undersigned have no obligations or liabilities owing to SunTrust Bank, or SunTrust XXXX XXXX, therefore it is understood, SunTrust XXXX XXXX will return to the undersigned, by transfer, securities and property in Account ( s )  and will no longer accept orders for the transactions after receipt of this notice of termination requesting the closing of any and all Accounts. These accounts would include securities and property recorded upon the XXXX XXXX County Registry and identified as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Thank you, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, North Carolina XXXX and XXXX XXXX ( fka XXXX ) XXXX XXXX XXXX XXXX, North Carolina XXXX.
Chase mortagage did not update my account information correctly. Credit report shows Ive been late on my mortgage payments for XXXX and XXXX of this year which is not correct. Ive been current on my mortagage payments since XXXX of this year.
Experian credit reporting will not let me cancel my account. They have all kinds of ways to easily sign up for their services. They miss lead you with free credit report than the will automatically start monthly billing with disclaimers stating you can " Cancel at anytime '' They make it seem like it is just as easy to cancel. After months of billing my account they raised the rates. I have now spent hours on the phone trying to get someone to cancel my account. I have searched the web to see if any one else has a easier solution to cancel. Everyone I come across says they are waiting for over an hour on hold. I have done this and when someone picks up they hang up the phone. I am so frustrated with Experian. I THOUGHT THEY ARE THEIR TO PROTECT US HONEST PEOPLE. I am filing this complaint to hope someone forces them to change their company policies.
Tried to add wife to saving acct. Could not accomplish it with help of cust service reps ( 3 attempts ) ..They wanted to combine on line access with credit card. They could not accomplish and as a result they suspended the credit card! 

They became very uncooperative and combative. We both got very frustrated. I received a notification that money could only be transferred for my savings account with their approval. This was a separate transaction. Can they dictate when I can withdraw MY money?
I never received a dunning notice from US Collections West. Upon request for validation US Collections West did not provide the requested documentation.
On XX/XX/XXXX, I obtained a free annual credit report from XXXX. It showed a hard credit pull that I did NOT authorize, from a company I have NEVER had contact with and have NEVER requested to do business with. 

The unauthorized pull was by XXXX XXXX on XX/XX/XXXX. I did NOT initiate any type of business transaction with this company. I XXXX them and they are a payday lender. I have NEVER requested a payday loan. I did NOT initiate any lending requests or loan applications in XX/XX/XXXX or the months immediately prior. 

The XXXX credit report shows XXXX XXXX XXXX contact info as XXXX XXXX XXXX, XXXX, OH XXXX, phone number as ( XXXX ) XXXX. The credit report shows that this hard pull would remain on my credit report until XX/XX/XXXX. However this is ABSOLUTELY an UNAUTHORIZED hard pull that I did not request.
For some time now I have tried to find out I keep getting billed for a XXXX panel done XXXX/XXXX/15. XXXX denied the billing as not medically indicated. I have asked that the coding under which it was billed be checked to make sure it was correctly coded and the doctor be contacted to verify that she ordered the test as medically necessary. I have had many conversations about this by phone and email with the billing department and they assured me that it would be looked into and they would know more in XXXX weeks. Today I was surprised to receive in the mail a bill from a collection agency XXXX USCB America XXXX indicating that the account was turned over to them as delinquent. Seems to me that you are not treating me fairly as on one hand your are supposed to be addressing my concerns while on the other you go behind my back and treat the account as delinquent. Please note that I have complete insurance coverage with Medicare and Tricare for Life and usually do not have any medical payments as Tricare for Life pays any charges left after Medicare. I have been told that I signed a form indicating I would pay for the procedure if Medicare did n't, however the form also indicated thatthe estimated cost would be zero [ {$0.00} ] which was the only reason I signed.
Below is one of many letters written to Caliber explaining their multiple misappropriation of funds errors : We were instructed to write a letter to your department directly by XXXX, ID # XXXX today, XXXX/XXXX/2016 regarding the misappropriation of funds handled by your cashier department. There has been a total of {$3800.00} sent in for XXXX and XXXX mortgage payment that has not been applied to our account. Today we received a breach of contract letter and notice that foreclosure was impending by the end of this month. This in turn has allowed Caliber to qualify us as " in default '' therefore sending HUD documents via mail that have been arriving at our home and past due threatening phone calls are made daily to our phone. These calls and mailings started arriving the XX/XX/XXXX. This prompted us to log into our account to see what the problem was. This is when we realized XXXX payment was not applied, subsequently, XXXX payment was not applied either. We made several calls into Caliber as well as several submissions online inquiring about what the problem was. No one ever responded to the online submissions and each rep gave us a different explanation about what the problem is. This is when we started recording the conversations. I can send them on a thumb drive so you can hear all of the opposing instructions and explanations we have been given over the past month or can be sent to an email. All of these recorded calls were emailed to the CEO 's assistant without response. We even had one rep say DO NOT make XXXX payment. That is recorded. We were told by another rep that we might have difficulty finding another lender to just refinance since Caliber has started the pre-foreclosure process already and has reported us to the credit bureau for being XXXX past due even though Caliber has record of receiving both XXXX and XXXX payments, that is recorded. We ca n't even see where the {$3800.00} to any of the fees either despite that is " probably where it 's going '' per your reps. There is no proof of this that has been provided. 

We have notified you of your error via certified mail which we have proof of receipt, we have emailed our draft statements from XXXX XXXX XXXX, our bank that reflects more than the normal payment due that we have paid for several months now including XXXX and XXXX, we have submitted our proof of payment online and your own website/system reflects this. We have invested 80 hours in dealing with this. I have instructed my employer today that I will have to take off the rest of this week to file whatever paperwork I need to through the proper channels. This is having an extremely detrimental effect on our family including our minor son and it 's taking a insurmountable toll on our family and we all have had XXXX, XXXX and XXXX pain and suffering because of these ongoing Caliber misappropriation of funds errors. 
Regards, XXXX XXXX XXXX
On  XXXX / XXXX / 2016  I had a  XXXX   XXXX  " very good '' rating and was eligible for a pre-approved loan in the amount of {$5000.00} with  XXXX   XXXX   XXXX  through the  3rd  party websit e (   XXXX   ). While I understand that a Pre-approval does not guarantee approval of the loan, I applied for the loan d ue to my confidence of believing that I would be approved. As expected, I immediately received an email directly fro  m One Main Financial stating that I was indeed approved for the loan and that a loan specialist would contact me soon. After waiting 10 minutes, a call was made to me but was immediately disconnected before a conversation began.
I then contacted One Main Financial concerning the loan and was told by the representative that she needed more information and I would have to re-appply with her over the phone ; although I told her that I was already approved with the email confirmation as proof. After providing the representative with all of my personal information, I was then told that I was denied of the loan and a hard inquiry was reported to the credit bureaus and has placed in my credit report since. This is false, confusing, misleading and deceptive advertising/marketing. Without exaggeration, this loan was needed for several reasons. One reas  on was to bury my deceased uncle and I have the death certificate to backup and verify such statement. The undue hardship and mental anguish this has caused me is indescribable. Knowing that my approved loan was taken away without reason or cause left me in a state of  XXXX . This has aff ected my credit tremendously and makes me to appear more risky to creditors and lenders. Creditors and Lenders are have been and are still looking at my report and wondering why a history of line of credit with One Main Financial is n't in my report since my hard inquiry is less than a year old. Please see the attached docum ent showing that the email was sent to me letting me know I was indeed approved of the loan.
I took out my Bank of America credit card to pay all of my wedding expenses, with the expectation that I could pay it back after my wedding ( from the 0 % 12 month APR ) plus get a small cash back bonus from my purchases. I 've used the card for over {$5000.00} worth of wedding expenses, and have XXXX points. I am getting ready to pay off the card now that my wedding is over, and I am trying to redeem the points. 

When I took out the card, I was mislead to believe that the rewards acted as cash back. I did n't realize that the rewards were to be used to credit travel expenses only. I called BAC several times to try to redeem the points ; ticket # XXXX was created to have my points redeemed for full cash value as a one time courtesy due to this confusion, which equates to {$270.00} ( vs. the 60 % or so that was originally quoted to me ). Then, when I called in today, I was told that they can not honor this redemption at all. 

This is a great example of a credit card company offering a misleading, hard to use reward system. I entrusted BAC to help pay for my wedding and was lured in by a ridiculous, misleading reward system.
XXXX ... This number calls me 3 times on my cell and 3 times at my home. Capital One is the most annoying and most harassing company I've ever come across. Open account on XX/XX/2017. I've had XXXX XXXX on both. Water pipes bursting, car problems. Just behind on alot of bills. Explained my situation and they still call everyday. I know I owe them. I do not need a reminder everyday 6 times a day.
TransUnion wilful violated 15 U.S.C.1681i ( a ) ( 6 ) ( A ) ( B ), by : A. Failing to provide written notice of the results of its investigation within 5 business days after the completion of its investigation ( XX/XX/XXXX ) ; B. Failing to provide in writing before the expiration of the 5-day ( XX/XX/XXXX ) period referenced to in subsection ( A ) - ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. 

As a result of TransUnion 's violations of the FCRA, XXXX XXXX has suffered, continues to suffer and will suffer future damages, including denial of credit, lost opportunity to receive credit, damage to reputation, worry, distress, frustration, embarrassment, and humiliation.
I was never contacted from XXXX or Bay Area Credit Services, I contacted them, after receiving a alert from the crediting monitoring service because of having identity theft and fraud on my credit. I immediately notified the company XXXX ( XXXX XXXX XXXX ) billing department. I was quoted an address and phone number that was over 17 years outdated not being mine. I informed them that I had used the ambulance service back approximately XXXX/2016 and I had insurance with XXXX and XXXX that should have paid 100 percent if they were billed correctly by XXXX. The billing department confirmed with me they had the wrong information although I was picked up at my home in XXXX XXXX that some how they were sending the bill to an address in XXXX and their information was 17 years outdated. So I was not notified of the debt nor did they billed all the insurances XXXX and XXXX. I was told to work with the collection agency by the person on the phone with XXXX. I informed her that she should pull the debt back since it was their error for sending the bill to the wrong place even though the driver of the ambulance was given all my right information and all my insurances to bill at the time of service. She informed me that she would try, but I have no faith that it will be followed through with based on them making such a huge mistake in the first place. They offered very little help to me.
capital one closed my acct, and then sent me an offer to come back. I accepted the offer and was sent a card. upon trying to activate the card i was transfered me to a rep who told me the acct was closed. Captial one is not honoring the new acct they begged me to come back to.