WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, XXXX/XXXX/16, I received two different phone calls, one on my home phone and one on my cell phone, within XXXX minutes of each other. 

The calls where from an Ally Financial group. When I answered the phone I was greeted with an answering machine staying they were trying to collect money from me. 

I did not or do not have any kind of money arrangement with them When I finally got to a real person I asked them, who they were trying to call on my numbers. They did not answer me, so I asked where they had gotten my numbers from. I do not think they suddenly came out of thin air. They would not answer me. I asked to speak to a supervisor, but was told they were in a meeting. I called back a second time and got the same routine from a different person. They would not tell where, or why, they got my telephone numbers. Especially my cell phone. My guess is that they are trying to contact someone I know. 

They had to business hitting me with a statement about collecting money from me with a answering machine and I am really upset that they had my cell phone. 

I did talk to XXXX today about this company. They told me that there have been, if I heard them right, that this Co has had over XXXX complaints against it.
XX/XX/2015. Website is down this morning. Tried to call customer service about this, but no one answers due to inordinately high call volume. Missed out in trading opportunities. Ca n't imagine what a predicament I would be in if I wanted to exit/enter a position. I have found Scottrade 's service to be erratic over the past couple years.
i am working on resolving on my credit card debt in general, i have asked this particular phone called in general to stop calling and got a nasty response of a live person that it doesn't work that way without even hearing the story, i refuse to receive abusive tempting calls, especially after blocking one of their phones already, i have asked again to stop calling but the person on the phone did not think its a reasonable request
To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with Wells Fargo Dealer Services for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXXof XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca XXXX XXXX XXXX
Hello, On  XXXX   XXXX ,  2017, I m ade a payment over the phone via debit card with Avant in the amount of {$3800.00}. On  XXXX   XXXX ,    2017, I a ttempted another debit card payment, this time was to payoff the loan, the total at this time was around {$1800.00}. Avant rejected my payment and said they are not allowed to take a debit/credit card payment unless the account is seriously delinquent. On their website, I am unable to change my banking information on their website, nor am I able to make a payment. The company is REFUSING to accept a payment, and only did so once I was able to payoff the loan in effort to stretch this out and collect more interest which accrues daily. I 've asked them four more times to take my payment and they still refuse. I now requested they remove the interest that has accrued since  XX/XX/XXXX  and they advised they will review which takes up to 14 days.  <P/> The same enforcement action the CFPB took against the student loan companies and payday loan companies is the same action I am requesting her e. Avant i s refusing to accept a method of payment, which they 've previously accepted, to accrue more interest on the payoff which is now more than 200 dollars and I will not be bullied into doing it! By refusing to take my payment, and not having alternate means by which to accept payment, they are causing financial harm to me, the consumer.
In XXXX XXXX, my XXXX XXXX XXXX was deemed a total loss by my insurance company ( XXXX ) after I hit a deer. The loan for my car was financed through BB & T and I also had GAP insurance ( XXXX ). XXXX insurance paid for everything except a remaining {$2800.00} on the loan. On XXXX XXXX, XXXX, I received a notice from BB & T stating that my vehicle loan, in it 's entirety was " Paid and Satisfied ''. The document was signed by " XXXX XXXX '' and dated XXXX/XXXX/XXXX. I immediately called BB & T and verified that no further action would be required from me regarding my account. A BB & T representative in the customer service department named " XXXX '' assured me that no further action was required. On XXXX XXXX, XXXX, I received a late notice for my account, stating that I owed BB & T my monthly payment of {$330.00} for the month of XXXX and that I had a late fee. I checked my BB & T account online and it stated that I still owed {$2800.00} as well as the additional late charge fees. I contacted " XXXX '' GAP insurance company and they stated that they were still finalizing my claim. I received a notice from GAP dated XXXX/XXXX/XXXX, stating that a check for {$2800.00} had been mailed to BB & T. I received another statement from BB & T on XXXX/XXXX/XXXX, stating that my account was still overdue and that I owed {$700.00} for the months of XXXX and XXXX. When I checked my online account, it still stated that I owed the {$2800.00}, plus additional fees. When I contacted BB & T, a representative of the total loss department informed me that they had received the check from XXXX GAP Insurance, but that the check would not be cashed until a thorough investigation had been completed regarding the " Paid and Satisfied '' statement mailed in XXXX. I have called on multiple occasions throughout the months of XXXX and XXXX and I receive the same answer. BBT representatives from the " Total Loss '' department state, " The case is being reviewed by upper management, whenever a solution for this situation is reached, we will call and advise you of the outcome ''. Whenever I ask to speak directly to management, I 'm always referred to the general customer support number for " Total Loss ''. In the meantime, I continue to receive notices that my account is overdue and that I am being charged late fees. I called again on XXXX/XXXX/XXXX and received the same answer. I contacted a representative with the West Virginia State Attorney General 's Office, " Banking and Finance '' division, who recommended filing a claim with the CFPB.
I used equifax website to initiate credit freeze approximately 6-9 months ago. I received a letter shortly after telling me that they needed more ID sent certified mail to initiate the freeze. I never sent the information back to them. 
This week I was informed by a bank that I would like to open a CD account with that I do have a freeze on my account and they needed me to unfreeze it to check my credit and open the CD account. I called equifax they told me to open a lock and alert account, which I did, but can't log into-they say there having tech problems.
USAA representative kept telling me that an interest charge is not a finance charge. Based on this, and other misleading statements, I decided to cancel the card. It took me almost 30 minutes, and verbal abuse in order to cancel the card. I am a veteran
I received a voicemail from a woman claiming to be a " legal courier for the county. '' She claimed to have attempted to serve me legal documents at my residence and place of employment, which has not happened. She also claimed that she must surrender the documents as a refusal to sign and that I missed my court appearance, and I was to contact the filing party at the same phone number she called me from, which leads me to believe she is not who she claims to be.
I cancelled service with XXXX ( formerly known as XXXX ) in XXXX of XXXX. When checking my credit report on XXXX XXXX in XXXX XXXX, I noticed that there was a collections notice from XXXX  ( via collections agency Credit Protection Association ). I never received a letter or email that there was an outstanding balance. I was never notified of any payments to be made until I myself checked my credit score. I immediately paid the outstanding balance and was told verbally that this collections would not show on my credit report. I am now in the process of buying a house and the collections notice still shows on my credit report as paid, but closed. It was not removed as promised. I was also not notified that I was able to dispute the charge, I was told that if I paid the amount the collections would be removed from my credit report. This is not the case. I have spoken with both XXXX and Credit Protection Association both of which said " there is nothing they can do '' at this point in time.
Equifax and XXXX are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.
On XXXX 2015, I filed a complaint with Equifax against XXXX XXXX XXXX and XXXX XXXX XXXX for failing to validate a debt being reported to Equifax by these collection companies. I have also filed a complaint with the Consumer Financial Protection Bureau against both of these collection agencies. Complaint # XXXX was filed against the XXXX XXXX XXXX back in XXXX 2015 and they have failed to respond to me or the CFPB as to this date, but yet by some mysterious source Equifax validated this account. Even though I attached the complaint from CFPB to Equifax they failed to take in consideration that the law requires a credit collection to verify an account when a consumer request. I also requested Equifax to forward the validation that they based their decision on to side with this illegal collection company and Equifax failed to send that information. Complaint # XXXX was filed against XXXX XXXX XXXX back in XXXX 2015, In which they responded with no validation but a statement to the CFPB stating that : In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all the credit reporting agencies associated with the account and our office. The confirmation number for this request is XXXX. Please allow up to 45 days for the credit reporting agencies to process our request. This information was forwarded to Equifax in the complaint I sent them to have this bogus un-validated account removed from my credit records. I am requesting Equifax remove these accounts from my credit profiles and send me proof this has been done. Also I am requesting Equifax send me the validation they used to verify this account since I and the CFPB failed to receive such validation, also Equifax should be fined for not following the law to verify and report accurate information on consumers.
Chase is not doing what they said they would for under water and people behind on their mortage they did nothing with the arrears did n't not lower my mortgage and they are now foreclosing on my wife and I which we are XXXX. And I have been trying to get a modification and they go up on monthly payments
I have repeatedly tried to get Equifax ( to whom I pay for a credit monitoring service ) to correct my address. I have already mailed my driver 's license, SSN card, cover letter, several times yet they keep losing it or otherwise fail to update my information. What is more, the other two major credit reporting bureaus and my two banks and all my utility companies have the correct information on file. Equifax is negligent since they, out of all the other organizations, have the incorrect information. I am utterly sick and tired of mailing the information to them and dealing with them on the phone, to no resolution. Please help and please hold them accountable. Thank you.
I purchased XXXX cosmetic creams from an ad I saw on XXXX. After doing so I told my friend about it. She said it was a scam and that I should call my bank right away. I emailed Chase Bank that same day and told them this and instructed them not to allow any further charges to my account. They told me to contact the merchant which I did. The merchant said they would only give me a 50 % refund of XXXX charge ( there were XXXX charges altogether for only XXXX items received ). The ad said pay only shipping. The first XXXX charges were {$1.00}, {$5.00} and {$4.00} which I figured was shipping charges ). On XXXX/XXXX/16 they charged the XXXX additional charges of {$94.00} and {$89.00}. I was told I would have to call another number to dispute the {$89.00} charge. I refused to accept only 50 % refund and hung up. The girl called me right back and left a message on my answering machine that she would refund 75 % of the {$94.00} but I did n't call her back. I contacted Chase Bank again and told them about this. I was told that they could not help me. I contacted the merchant again through email and was told that they have no record of my information or orders. The bank went ahead and paid them the additional amounts of {$89.00} and {$94.00} and charged me XXXX insufficient fund charges of {$34.00} each.
My credit card is Citi bank, In the end of XXXX and very beginning of XXXX 2016 I had {$2000.00} dollars paid off to totally what I owed to my credit card ( over XXXX XXXX dollars, a lot of money ). 
On XXXX XXXX I found out they charged me {$27.00} dollars for interest although I already paid off. I called them and a lady representative of Citi told me " You do n't have to worry about it anymore '' Then on XXXX XXXX they raised it up to {$38.00} dollars as claiming what I " owe '' them. I called them again, they said they 'd schedule me a callback from the supervisor, but they never called back. 
The Citi bank unfairly treated me and lied to me not just once.
A XXXX ran a background check on me and you 're reporting that I 'm a registered XXXX. This is absolutely inaccurate and I want this corrected ASAP.
Equifax shows a address and name that is completely wrong.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  <P/> I have never lived there at all! I suspect fraud.  <P/> They also show a name as  XXXX ?  <P/> That is not my name.  <P/>  XXXX  is correct. Why is my equifax score at  XXXX  and my  XXXX  score at  XXXX ?  <P/> How can there be that big of a difference?  <P/> My correct information is :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Ind  XXXX   I have worked at  XXXX ,  XXXX   XXXX , and now I work at  XXXX    XXXX  the  XXXX   XXXX   XXXX  .   This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct.   Please have Equifax remove this fraudulent information. Thank you  XXXX   XXXX   XXXX
Our Citi credit card was charged by a company XXXX XXXX ( XXXX XXXX ) for multiple charges. This was for a " free '' cosmetic sample. Upon learning that there would be a charge for future shipments of cosmetics, we called the company ( we believe in XXXX - maybe early XXXX ) to cancel all future shipments and charges. We also called Citi ( XXXX XXXX ) to contest charges to our account by this company in XXXX, XXXX, XXXX, and XXXX. Despite us stopping this service with the company, and contesting the charges with Citi, we see more charges in XXXX on our statement. Now Citi is telling us there is nothing they can do and I have to pay these charges. I've asked Citi on more than one occasion to block these transactions with this company. Citi has offered no help in resolving this. Citi also said if I close my account, they will not be able to contest the charges. They are using extortion to get me to keep my account open - or, I won't be able to contest the charges. Citi is HORRIBLE!!!!!
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Tennessee XXXXThis debt is over 6 years old XXXX 2009 and was included in a previous Chapter XXXX that they never responded to.
On XXXX XXXX XXXX I received a letter from Hyundai Motors Finance- Payoff Dept. that referenced to my pay-off amount of XXXX. I called Hyundai Motor Finance on XXXX XXXX XXXX to inquire about balance. Hyundai Motors Finance informed me that there was interest that accrued over a period dating back to the months of XXXX XXXX and XXXX XXXX payments. Hyundai Motor Finance also asked me to contact the gap insurance company. I corresponded with the gap insurance company who referred me back to Hyundai Motors Finance to resolve this matter. The pay-off amount should not be my responsibility due to my insurance company XXXX XXXX XXXX XXXX and my gap insurance benefits have already covered the total loss of my vehicle. My complaint with Hyundai Motors Finance is that they are charging me for interest and fees that should have been included in my monthly payments. Hyundai Motors Finance was unable to provide me with the proper documentation for the interest and fees. I am unable to access the account due to Hyundai Motors Finance freezing the account during the insurance claim to prevent further payment action.
Ocwenloans took over a loan we had. When we were forced to sell our home in a short sale, part of the agreement in the settlement was that Ocwen would remove the item from our credit files. We disputed this with the credit bureaus and they left it on all XXXX files.
In XXXX 2016 I renewed my rate reduction program with Navient. The agreed upon amount was {$700.00} to come out of my account automatically in the XXXX of every month ( with the exception of XXXX which would be the XXXX ). The amount has come out of my account as it was supposed to. However, they continue to call me 5-10 times per day and my XXXX year old grandmother. They call and harass and threaten my grandmother telling her I am not on automatic payments and she needs to pay them {$700.00} immediately. My grandmom then thinks she is going to lose her house or something. I call them to ask where the {$700.00} is going every month if it is not going towards my account. I am then placed on hold for an extended amount of time. If they are calling harassing people should n't they know the reason they are calling. After over 30 minutes on hold I am finally told that they can see that I set up the rate reduction in XX/XX/XXXX and that the deductions are in deed coming out of my account, but there was an error with their processing department. I then asked so why are you calling myself and my over XXXX year old grandmother causing her stress if it 's a problem only you can fix. I was told it 's because she is the consigner. I then stated but this is a problem you said only your processing department can fix, so once again why are we even being called. I was told because no one noticed the problem. I would think before they started calling people 5-10 times a day they would know why they were calling them in the first place..
Due to my financial situation and being on XXXX I took out a loan thinking that I would able to pay it back, but due to the amount of accumulated interest rates and other fees, I'm unable to do anything about it. 

I have contacted this company ( XXXX XXXX ) on numerous occasions and have requested that they not call me, but they continue to do on a regular basis.

One day last week, they contacted me and just as I hung up the phone, they called right back again.
I was hoping to get my credit report so that I could update my resume with the proper dates of employment., When I had to answer the Verification questions I was asked about a Mortgage and a retail credit card. I have neither. Due to not having thedetails on charges on my credit I DID NOT do I can not access my creditreport to even see where they came from. 
I 'm scared and frustrated.
I have mail my driving license, social, bill statement to XXXX, XXXX, Equifax and they still have not correct my address. There should be only one address on my credit report.
I have a mortgage loan with XXXX XXXX in which I received a loan modification. The mortgage servicer is Seterus. In XXXX I filed for bankruptcy in court with my lawyer. 
My lawyer asked for a reaffirmation for the mortgage because I did not file the residence as part of the bankruptcy. I want to continue to live in my condo and pay my payments. 
The lawyer has not been able to get them to send the reaffirmation papers so the we filed a continuance on the Bankruptcy until those papers could be presented to the Court. 
We can not give them a date to complete the hearing without the reaffirmation papers. The lawyer has called several times with no response. 
I have also filed a complaint with XXXX XXXX on the mortgage servicer ( Seterus ) handling of this issue. The lawyer said he never saw any papers take that long or any company not respond they way they have. 
I am hoping to put this behind me soon. Can you help by getting Seterus to send the lawyer the papers. They have all the information to get the papers in the mail. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX, GA ( XXXX ) XXXX
We bought a house XX/XX/XXXX, for XXXX with a XXXX and a XXXX mortgage. We refinanced to get out of a 2-year ARM and increased the amount of the second mortgage.  XX/XX/XXXX, the economy went south and my husband who is XXXX as a XXXX, suffered setbacks with his XXXX but also with his health, needing a XXXX. I lost my job and got a new one, but lay-offs meant that I had to look for work again.  We struggled to keep our house and became delinquent with the XXXX mortgage on XX/XX/XXXX.  We have been through XXXX loan modifications, and we knew that we should concentrate on the XXXX mortgage so as to keep our home. We do not want to file for bankruptcy, and we want to keep our home. We did not make any payments on the XXXX mortgage after XX/XX/XXXX. Greentree, also known as XXXX sent us a letter dated XX/XX/XXXX advising us that the statute of limitations has run out.  XXXX, their debt collector, sent us a summons with a letter dated XX/XX/XXXX to court for XX/XX/XXXX to appear before a judge over the debt. I thought that when the statute of limitatinons has run, that XXXX are to stop pursuing the debt under the law.   I am afraid to contact them because any communication with them may be seen as an admission to the debt and revive the debt with respect to the statute of limitations.  Greentree continues to send us a bill for the debt, hoping to trick us into making even the smallest payment in order to revive the debt with respect to the statute of limitations.  XXXX sent us a letter that tries to get us to pay something in lieu of going to court, but that is also in order to revive the debt.  I don't think they should be allowed to try to trick homeowners into thinking its safe to pay a little without informing the homeowner that it will make them fully liable for the debt for another 6 years.
In XXXX, during the housing crisis, we had to sell our property because of the losses we were incurring. We tired to sell it but could not. We received the foreclosure notice XXXX, XXXX and the foreclosure date was XXXX XXXX, XXXX. We were sure it was foreclose because we received tax documents from the mortgage holder telling us what price it foreclosed for and how much we taxes we owed for the difference between the sale price and the amount owed. We paid those taxes in out XXXX tax return. Now they are say we still owe on the loan. We need this resolved as soon as possible. The loan was sold to Ocwen and they are coming after us for the loan again.
I was reviewing my XXXX credit report on XX/XX/XXXXand I saw a hard credit pull from CBNA. I  contacted Citibank on XX/XX/XXXX and again today XX/XX/XXXX. Both times I was on hold for over 25 minutes in silence. I eventually ended the call. ReviewING others in similar situation, they advised that I contact CFPB.