WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX : banks like XXXX, XXXX XXXX XXXX, XXXX XXXX, AMEX, and XXXX claim to want or help small business like mine succeed with the needed credit or loans they need to create jobs and to help the health of the economy. I have applied to all the above banks and was turned down by every one of them despite their advertising and claims that they are here to help small businesses like mine. My personal credit was pulled without my consent and was used as a determining factor to deny credit to my business despite disclosures stating that use of my social security number was used for identification purposes only not for a credit bureau pull. The banking institutions listed have engaged in false advertising and bad business practices by using personal credit and requesting the use of social security numbers under false pretenses.
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Due to a weather events our house sustained damages in the neighborhood of {$57000.00}. Because it was XXXX in damages the mortgage company restricted my loss drafts. The last draft was due to the contractor and myself to recover the depreciation values and the supplemental repairs. The mortgage company refuses to release the last payments and claim that they need more documentation both our contractor and ourselves have provided that documentation 6 times already via fax, email and regular mail. When we call for an update on your checks they ask for the same documentation that has already been sent to them 6 times. They also make you wait 3 days for an update and when you call back, again the ask for stuff that was already provided to them. There is no consistency with your case manager, you always get a different person and it is always the same excuses. The company is Penny Mac.
Apparently Paypal issued me a credit card at some point ... I honestly have no idea if I applied for it or not. In XXXX I made a transaction for the amount of XXXX via Paypal as I always do and expected the money to be withdrawn from my bank account as it always for over 10 years. For reasons beyond my understanding this particular transaction went on the credit account unbeknownst to me. Late fees and charges totaling over {$60.00} were assessed in XXXX and XXXX of 2016. Paypal was sending me emails but since I had never used Paypal Credit before I had no whitelisted that email address and those were going into my Spam folder so I never saw any of them. Today I got a call finally from them and had no idea what the lady was talking about. She said I had to pay the full amount, which I did, but I argued I had never received actual notification and that a letter or a call earlier would have avoided me having been assessed the late fees. I feel like the delay in contacting me served only to benefit Paypal and I think their policy and procedure regarding cases like this should be changed as it is predatory.
I have a Credit card still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2002, I am requesting this be removed from my credit report.
There are mistakes happen in my report, I have never paid late these accounts :   XXXX   XXXX    XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX
I closed all my accounts and credit cards with Bank of America and they send me a letter that " They closed my accounts because of insufficient founds ''
On XX/XX/2018 at about XXXX PM EST, I spoke with an employee of Navient regarding my past due student loan debt. During that call, I promised to make a payment in the amount of {$590.00} on XX/XX/2018. 

On XX/XX/2018 a Navient employee named XXXX called my mother-in-law and my father regarding my student loan debt. XXXX of Navient disclosed both the existence of my debt and the fact that my account is past due to both of those parties, neither of whom are parties to my Navient loans. Navient has not been authorized to speak to either of these people regarding my account. Furthermore, I specifically instructed Navient in a telephone call on XX/XX/2018 that they were only to speak to my husband or me about my account. Navient has violated my rights under FDCPA sections 805 and 806 by disclosing information to unauthorized third parties. 

At about XXXX PM EST on XX/XX/2018 I spoke to XXXX of Navient regarding the aforementioned FDCPA violations. XXXX asserted that his actions were not in violation of the FDCPA. During that phone call, XXXX of Navient refused to stop recording our conversation after I demanded that he do so and asserted that he was no obligation to end the recording. Navients refusal to cease recording our telephone conversation is in violation of Marylands Wiretapping and Electronic Surveillance Act and I suspect that XXXX misrepresentation about my right not to be recorded is also in violation of the FDCPA. 

Upon XXXX refusal to cease recording our conversation, I spoke to XXXX supervisor at Navient who confirmed that they are indeed aware that such a refusal is a violation of law. He refused to tell me what steps, if any, would be taken to correct this behavior and would not confirm that XXXX would not be rewarded for his practices. 

While speaking with XXXX supervisor, it became clear that the XX/XX/2018 phone call and promise to make a payment was not recorded in XXXX internal system. The supervisor accused me of lying that the XX/XX/XXXX phone call had taken place. This is a clear indication that either Navient is not keeping proper records regarding my account or that Navient has compromised my personal information such that someone outside of Navient was able to contact me with information about my account. Either way, Navient has for a third time ignorined my consumer rights in order to collect this debt. Navient is either negligent in their training and supervision of employees or they are maliciously and willfully breaking the law and violating my rights in order to collect this debt.
This company is attempting to collect a medical debt from a hospital. I was covered by my insurance at the time, and they continue to tell me that I owe money. Furthermore, they make harassing statements to me once a month, with things like this : " If someone owed you money and you sent them a bill, do you think you would deserve a reply? What is it going to take to get you to pay your obligations? '' The most recent correspondence was dated XX/XX/2018 - but I have been receiving messages like this for the past year, if not two. Also, the amount of the dispute is incorrect. They are adding interest and fees that are not something I am going to pay.
Dear Madam or Sir : My original student loan with Discover was for {$24000.00} - I have been paying since XX/XX/XXXX - paid a total of {$12.00}, XXXX. Principal paid is {$2100.00} and {$10000.00} in INTEREST! 

I have been in deferment for almost XXXX months because I am getting a XXXX XXXX XXXX and I now see that my deferred interest is {$3200.00}. 

My total loan balance in XX/XX/XXXX is {$28000.00}. 

MORE than the original amount after paying for XXXX years. This is what is called XXXX XXXX. I have tried to refinance and to no avail. If there is anything that you can do to help me, I would greatly appreciate it. Please let me know if I need to send in more details. 
Thank you, XXXX
I am in receipt of the update I was sent. The problem is that I do n't have my first delinquency date. What is that?? Your claiming that I was defaulted but when? What physically was it? 

Your claiming that the account was delinquent in XXXX of XXXX but from what I was told originally was something different. I was told it was XXXX XXXX - I called so many times and each time I am told a different matter. I need this account gone like yesterday! 

I ca n't have this account report longer since your company is making frivolous actions against my report. 

a response is needed with a deletion of the account
Received 2 phone calls from a lady saying her name is XXXX XXXX and she is an arbitrator with XXXX, XXXX, XXXX XXXX. Later in the call she said she is with P & B capital management. She told me she was hired to collect a debt but listed 3 different debt amounts. I asked her for the original creditor 's information like name and phone number but she co u ld not provide it. I then asked her to send me a debt validation letter and she said she would email it but it was never sent. She told me my case was in prelegal status and the next step was to take me to court. One mon the later she called back still unable to verify debt, she was yellin at me, and saying they have permission to garnish my check and take me to court. She ended the call by saying see you in court. Nothing was verified. Just demanding I pay {$600.00} now without knowing who she is and what sent this is. There is so debt currently for sny cards In my credit profile. Phone number XXXX
I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my GAP insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however Experian and XXXX believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me to go XXXX and hung up on me.
Midland Credit management Inc repeatedly called my grandma XXXX XXXX and my uncle XXXX XXXX. They shared personal information of my debts. I am not sure of what dates but in last few years. They should not have called them. How would they even know we were related and shared my info
1. During the hurricane last year XX/XX/XXXX I had to evaluate. This situation left me and my family in dire straits. 
2. I contacted as many creditors as possible to request a deferment because of the storm. 
3. I spoke with the XXXX XXXX XXXX and explained the situation and requested a deferment. 
4. Un be known to me I didn't get the deferment. 
5. The account went past due. After I received money in XX/XX/XXXX I paid XXXX to the XXXX debt. 
6. XXXX XXXX still forward my debt to the IRS and to a debt collection agency. 
7. I paid another XXXX to the XXXX XXXXe towards the bill 8. In XXXX I received a letter from the IRS stating that they collected the remainder of the debt. 
9. XXXX XXXXr continues to show a past due amount on each of my credit reports and refuse to send me a paid in full letter. I get the run around and treated very badly when I call in.
My daughter purchased a XXXX XXXX earlier this month. I co-signed on the loan with VW Credit. Today, XX/XX/XXXX, i received the first payment invoice, which VW credit gave a due date of XX/XX/XXXX. They also advised, on the invoice, that i should allow for 5-7 days for mailing to ensure payment is delivered by the due date. 

I called VW Credit, spending over 30 minutes on hold, to request a reasonable amount of time. They told me i would have 10 days after the due date ( so, XX/XX/XXXX ) to submit a payment. Given the intervening weekend, and giving allowance to the 5-7 days i was advised, this payment would have to be mailed by this Friday, XX/XX/XXXX. 

VW Credit ( XXXX XXXX XXXXl ) stated that if we made payment within 10 days, we wouldnt be charged a late fee. I requested that they provide that assurance in writing instead of just verbally, they refused, and then stated that they couldnt. They said i should have known that the payment was due on XX/XX/XXXX, as it was in the contract. While this may be true, they did not provide the means for which to make a payment until i received this payment invoice today. 

XXXX continued to tell me everything was in the contract, but abjectly refused to listen or cooperate. I was never disputing what was in the contract, but the unfair and deceptive execution by VW Credit of its obligations under the contract to provide us the means to make timely payments in accordance with the contract without incurring fees ( late fees ) or damages ( credit reporting ). When asked for written assurance, they refused any written assurance.
I opened a One Deposit checking account with Citizens Bank on XX/XX/2018. It's been 90 days since my deposit and I haven't been awarded the {$200.00} bonus. 

I also made three online bill payments and did not receive a {$50.00} bonus as stated in the mailer that I was sent.
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX   XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX  and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
In XX/XX/XXXX I gave countrywide XXXX. To purchase a home, I was just got out of XXXX moving from XXXX to XXXX I got a job with the state. When everything done I got a mortgage that I could n't afford I Contacted countrywide on XX/XX/XXXX occasion to no avail for 2 years I struggled paying the mortgage borrowing fro family members and friend until I could n't get money from no one. I got into foreclosure Bank of America came into the picture offers me little to nothing. A friend referred me to XXXX XXXX XXXX paying them more than 400.00 a month beside other fees I paid in order to help me to keep my house this was another excruciating pain, I had no clue who my lawyers were, never had any info of what 's was going on beside me begging them for information to no avail. Others that I paid for modification, they ran with my money. I did a bankruptcy including my home the bank removed itself from it. I requested a modification with Bank of America they denied me stating I do n't make enough money, the same money I have when I purchase the home. I paid {$300.00} to have a mediation Bank of America said I was not qualified the only thing they could do for me they will sell me the home for XXXX I have to give them {$30000.00} I do n't have they foreclosed my home. I have no money no money to rent I 'm homeless because I trusted people. My last day in the home is XX/XX/XXXX I do n't yet where I am going to live probably in my car. My boss gave me this site to write this complaint.
US bank claimed that I benefited and/or authorized charges in XXXX and XXXX of 2016. US Bank, on a recorded line, claimed that the signatures matched on the receipts and that my voice matched the voice on XXXX recordings. I asked for evidence that supported the claim and US bank provided XXXX receipts and XXXX copies of known signatures. A professional handwriting analyst who wrote there was " no indication '' that the signatures were mine. I provided US bank with that analysis by certified mail and US Bank ignored that document and did not provisionally credit my account while they reviewed my documentation nor did they provide an alternative analysis. I also requested from US bank for proof that I authorized this account, again by certified mail, and US bank did not respond. 
US Bank violated TILA by not provisionally crediting my account when new and substantial evidence was presented and US bank again violated TILA by not providing proof of indebtedness upon request.
XXXX XXXX XXXX XXXX . IS A MULTI- RICO RAQUETEERING CRIMINAL FRAUDSTER XXXX CROOK LIAR THIEF!!! THEY HAVE BEEN PAID FOR THIS DEBT BY THE UNITED STATES TREASURY AND PROBABLY BY INSURANCE ALSO, AND THEY GOT THE NERVE TO SELL MY INFORMATION WITHOUT MY CONSENT IS A VIOLATION OF INFORMATION BREACH!!! THEY ALSO ARE USING FICTITIOUS NAMES WICH IS A FEDERAL FELONY CRIME!!!! I am XXXX XXXX > holder in due course for the XXXX XXXX TRUST ESTATE!!!! I AM ADMINISTRATOR BENEFICIARY AND OWNER, NOT XXXX XXXX!!! do you understand me you criminals??? you already got paid by the united states treasury you liars!!!!! and you sold my personal information!!! you ought to be in jail!!!! XXXX XXXX  IS A CRIMINAL CO-CONTRACTOR TOO IN THIS MATTER USING MY TRUST ESTATE WITHOUT MY CONSENT, I AM OWNER AND ADMINISTRATOR,!! PROVE TO ME I AM NOT!!!
inquiries on my credit were removed and then re-added. 
I was not notified per the FCRA Section 611 law. 
these should be removed.
I am submitting my request again since Key Bank USA / XXXX XXXX / XXXX ( XXXX XXXX XXXX ) continues to wrongly report a delinquency / non payment on my credit report multiple times for ONE student loan issue that was paid in full and resolved ( DUPLICATE reporting of same issue when it is just ONE issue ). 1. The account was paid in full and should be removed as a negative on my credit report. 2. In addition, reporting by XXXX entities was wrongful because the account existed only with Key Bank and the other entities have no right to report. XXXX. The one account at issue was wrongly reported negatively under multiple account numbers when the issue involved only one Key Bank account which was paid in full. 4. After multiple attempts to correct the erroneous reporting of the account with Key Bank and the Credit Bureaus -- all XXXX Key Bank entities continue to wrongly ( negatively ) report the account in duplicate and unresolved. 5. The amount involved is under {$200.00} however its impact to my credit history is negative, erroneous and without basis. 

I am seeking your assistance resolving this matter because KeyBank USA / XXXX XXXX / XXXX and the Credit Bureaus have repeatedly failed to address this even though I have contacted them multiple times. Thank you in advance for your assistance.
I gained this debt in XX/XX/XXXX, I contacted the XXXX company for the debt 1 year ago to ask if they would settle at that time they said no, 2 weeks ago around XX/XX/XXXX I was contacted again asking if I'd like to settle, I said I'd need to speak to wife get back to me in 2 weeks. 2 weeks was today and I spoke with an individual by name of XXXX ( Not sure of spelling ) telling me If I couldn't take the settlement they'd proceed with further actions and I didn't want that because they'll garnish my wages and seek judgements against me. I told them I was XXXX and on XXXX and was unable to be garnished to which the individual got very nasty and asked if I was gon na be a " REAL MAN and pay my debts '' etc. this went on for sometime he hung up on me, I called back and asked for his supervisor and he told me I must have no life and what kind of man are you, I deceivedh im and told him I had recorded his behavior, to which he said that it's illegal, I quoted arizona state law that states only one party must be aware me, He then said it was fine he had already recorded me. I spoke to his supervisor who informed me that if he had recorded me I would have heard a PROMPT saying I was being recorded, However I heard a recording start sound similar to one on a personal cell phone. When I informed the supervisor that at this point I have reason to believe it was recorded and it was a clear HIPPA and Fair Debt Collection act violation the supervisor said he'd talk to the offender in question and that it doesn't change anything in our situation however.
XXXX and myself owned a business we had a BANKER ( XXXX XXXX from XXXX ) come to us and see if he could do some finances for our business with us, we told him we would like to take out a small business loan and use it to pay off our home mortgage and our business mortgages using our XXXX commercial properties he agreed that would be something his bank could handle. It ended up by us loosing our business ALL of our properties to include our home and with paper work that has been used wrongly. It is very hard to explain however what the paper I have does not match what is in Register of needs. We hired Attorney on our home and they did NOT present any evidence on our behalf and I Had given them more then any one could believe, there excuse was it would only confuse the Judge! Well it also confuses anyone who looks at it. So now I am turning to anyone who can help us clean up this mess and get our money back that was wrongfully taken from us. This involves XXXX that is why it is so confusing and the BANKS would not do anything to help I might add the original Bank was bought out XXXX since this all started and I got the run around from all of them. All of the Evidence the banks Attorneys brought forward is in question because we did not knowingly sign any mortgage on our home and we never sign in front of a notary even if they say we did and I can also prove that is a lie. So as you can see this is a confusing mess, but some one has to care enough to get to the bottom of all of this we are now out of money do to all the attorney fees so far and we still have no answers because it never went to court with our evince the Judge did a summary judgment which was never asked for. So if there is any thing you can do for us to find out where the XXXX loan money went if it did not pay off our home. Please help us! We wrote Senator XXXX and he his the one who told us to get ahold of you for help.
I am filing this complaint because XXXX ExperianXXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- the are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks you