WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, I purchased by Electronic Check, items totaling {$76.00} at XXXX XXXX in XXXX, Oklahoma. The purchase cleared the Point of Sale terminal and the clerk handed me the receipt and the processed personal check back with no indications of a transaction error. Later, on XXXX XXXX, 2016, I receive in the mail a Notice of Failed XXXX Transaction from Telecheck XXXX XXXX XXXX XXXX claiming that banking information was not read correctly from the check at the Point of Service terminal at the time of purchase. Telecheck has referred this " error '' to their TRS Recovery Services as a debt collection. How can a supposed check reading error be in debt collections when Telecheck has the money and has not yet processed the transaction? Telecheck states in this letter that they need additional bank information and personal information from my checking account to correct this situation. I contacted my local bank and described this letter to them and the bank stated that there are " red flags '' involved with this letter. My bank recommended I put a stop-payment on the check with the purchase. I did this on XXXX XXXX 2016, I also the same day went to the merchant and offered to pay the amount of the stopped-check in cash and request a receipt. After a hour of going back and forth with 3 different representatives over the phone with Telecheck and XXXX XXXX representatives and the store manager and all adamantly wanting to know our bank information and that that we pay again by check, they finally gave in a let us pay for the items in cash with receipt. The representative on the phone with Telecheck made threats over the phone that this situation is not over yet and I will be receiving more threats in the mail. It is time for me to get an Attorney.
I received a copy of my credit report issued XX/XX/XXXXand it shows an adverse collections account from Midwest Recovery Systems which was placed for collection onXX/XX/XXXX for XXXX XXXX XXXX. Before I left XXXX in XX/XX/XXXX, I Paid my bill at XXXX XXXX and closed the Account. I have been living in XXXX  for ten years now and have no idea how or why they would have a bill in my name. I spoke with someone at XXXX XXXX and was told they have no record of me. XXXX, at Midwest Recovery told me that a payment was made on the bill inXX/XX/XXXX and that I could just pay the {$910.00} and clear my record. Since this was not my bill and I had no idea who made the payment, I refused. I believe a notice of fraud was placed on the account but this account should be removed from my record as soon as possible and should not be put back on by the next company the account is sold to. I would appreciate any assistance you can give in this matter as my record has been tainted because of this. Thank you.
I received a notice from XXXX XXXX XXXX membership that a collection was placed on my report for XXXX dollars from Deversified Consultants XXXX, XXXX XXXX XXXX XXXX. XXXX Fl. XXXX. I received this notice XXXX XXXX 2015. I have never heard of these people and have never received a letter fron them verifying a debt nor amount or notice of my rights to dispute. Iam simple put in collection without any communication attempt.
Today, XXXX XXXX, 2015, I received a copy of my XXXX XXXX XXXX. Listed, is DIVERSIFIED CONSULTANTS on behalf of XXXX.I HAVE NEVER RECEIVED NOTICE OF RIGHT TO DISPUTE BY DIVERSIFIED CONSULTANTS. I am DISPUTING, via this writing DIVERSIFIED CONSULTANTS improper and inaccurate reporting to my consumer file. I am ALSO DISPUTING, THE {$99.00} reported. I paid XXXX every month on time for year 's. I want this removed " immediately '' from my consumer credit file. It is illegal reporting by both parties. My personal information is being provided for the CFPB use " only '' ( solely, for this complaint ). It is NOT to be used by XXXX or Diversified Consultants.
At the outset of getting my credit card, the credit card company charged my credit card for two amounts. I did not know these charges would be applied. {$4300.00} was charged on my account without my consent of these two charges. One charge was made to XXXX XXXX and the other charge was made to XXXX XXXX. The effective date was XX/XX/2016 in which the two purchase were made. I do not feel that I owe this amount to this credit card company. The card company is Bank if America, N/A. Or XXXX.
Ocwen Loan Servicing counsel XXXX XXXX responded to my consumer complaints on, XXXX XXXX, 2017. XXXX XXXX is requesting I direct all further communication directly to his office. Ocwen Loan Servicing, its employee XXXX XXXX, its everyday harrassing threatening phone calls I had to put up for years, the slander of title which is over the top, all the thousands of dollars I had to pay out of my pocket to stop Ocwen from continuing its abusive servicing pratices, all the lies I had to hear out of Ocwens mouth, Ocwen employee failing to correct its errors and all the other screwed up mess because she is trained to coverup the mess. Dont tell me to direct all further communication directly to your office when you have assisted Ocwen with its abusive servicing pratices harassing me threatened me with the loss of my home in 48 hours if I dont sign increased none negotiable loan modification with increased outrageous balloon payment that I never applied for and that could not even afford to avoid fraudulent XXXX Trustee Sale in 48 hours. The many years I put up with all of this has caused me serious health damage which landed me hospitalized on medication which dragged in several doctors who questioned me who was harassing me. Ocwen has screwed up my credit. I have no savings left because Ocwen stole all of my money. Ocwen has made a disaster out of my life. I have suffered years of abusive servicing practices and years of harassment threats of the loss of my home using cozy relationship with XXXX. The damage is extreme. Thanks to all of my doctors who care I am now bringing all of you to justice. You and you clients are nothing but a bunch of liars who are out to harm me and embezzle my property to maximize revenue ave fill you own pockets with cash. That is the truth!
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE I HAD A HARD INQUIRE FROM SARMA MORTGAGE DEPT THAT I DIDNT MAKE I HAVE NEVER TRYED TO GET A MORTGAGE
I have a Capital One business credit card that is improperly reporting to my personal credit. All business credit card companies do n't report your business credit to your personal credit. That is why there is XXXX XXXX XXXX XXXX for business and FICO for personal. My business is totally separate from my personal and the two should not be intertwined. I have a real estate business that requires me to hold large amounts of debt for sometimes months at a time, then the cards get paid off when a home sells or I refinance. Having a large balance does not affect my paydex score since you do n't get penalized for having high balances on credit cards with business. You do, however, get penalized when it is a personal card. I had excellent personal credit ( XXXX ) and was wondering why I received an e-mail one day from my credit monitoring service stating that my score significantly dropped. I could n't figure out why until one day I pulled my credit and saw that my XXXX was through the roof! Capital One was reporting my business card on my personal credit! This has adversely affected me on the personal side and has not allowed me to get the best rate and terms on my personal loans. I even got denied from an online lender which never happens! When I called Capital One and told them to stop reporting my business to my personal credit report they were extremely rude about it. Their answer was that they can pretty much do whatever they want. My answer to them was just because they have n't gotten sued yet over this does n't make it right. These people need to be stopped! If they do n't comply there will be repercussions. This is wrong!
In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXXXXXX XXXX Checking account for the Month of XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.
Well I heard from somebody a company that would give me a loan. It all sounded ok, and I even gave my information at the begining. But, they told me I did n't qualify and then they said I did -- so when they said that I retracted because that sounded fishy to me and I just figured it went away because I never received the loan from them. They then turned around and used my information to get into my bank account and get money from me monthly that they never gave to me.
The debt showing on my credit reports is not mine. The account states that it was opened on XX/XX/XXXX. During this time I was incarcerated until XX/XX/XXXX. There is no way I could have established this account nor give anyone else permissions on my behalf. Based on the information showing on my reports, I cant even identify what type of account this is. However, I do know that I was not in the position to have opened this frivolous account.
I am a senior citizen and due to a financial hardship have been trying to obtain a loan modification on my mortgage. I started the process with SLS servicing an agent for XXXX XXXX mortgage on XXXX XXXX. I submitted all required documentation. I have made at least ten calls and was told it was submitted to the underwriters. Today XXXX XXXX I was told that I need to resubmit a XXXX page application all over again when it was already submitted on Novemmber XXXX. It seems they are delaying the process for some reason. I am extremely frustrated. I can not get any satisfactory response on the status of my request.
The debt collector did not send me a debt validation letter- to include the amount of debt, name of original creditor, and statement regarding the right to dispute the debt, and to obtain the validation of debt. 

The debt collector calls from a number that comes up " Private Number, '' " Unknown, '' " Out of Area, '' or " Restricted, '' on my caller ID. 

The debt collector calls and does not leave messages Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX  Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX
THIS IS NOT A DUPLICATE! same problem, same company, different co-signer. 
I have been asking Navient to release my cosigners for 8 months now and can not get any specifics on why they are refusing to do so. 

I sent a letter to Navient, which they received on XX/XX/XXXX, requesting an explanation, in detail, for why they refuse to release cosigners even though we met their stated requirements. As of today, XX/XX/XXXX, they still have not answered me. Plus they keep sending ridiculous answers for why they can not answer my questions. Playing games to drag it out longer so they get what they want. terrible, terrible, terrible, crooked, lying, stealing company. Some things they tell you only over the phone, some things they only tell you snail mail, some things they only tell you by fax, it's absolutely criminal.
My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a Kohl 's card through Cap One. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my Kohl 's payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised Kohl 's of the bank issue. I disputed this with Kohl 's and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter Kohl 's would have cleared up the matter, but I just pulled my report and it is still on there. When I called Kohl 's they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly.
I know I owe {$250.00} to Kohl 's department store. I keep getting phone calls ever since I missed my first payment. I have expressed to them that I still have not had a shift so I can be able to pay off my debt. I 'm always told at the end of the phone call that my situation is documented, but I keep getting called every day and asked the same questions over and over again.
Ocwen is our servicer for our loan. I fell behind a couple of months XX/XX/XXXX. I stayed in constant communication with them to try to modify or get caught up with my payments. They gave me a different amount to pay every time I spoke with someone and they even game my cousin who is an attorney a different amount than me within 10 minutes of calling them. Then XX/XX/XXXX, they called me and told me that I was approved for the modification. I agreed to send them 3 months of payments to show good faith. I even sent the payments via fed es on XX/XX/XXXX. That very same day, they claim that they served me with a summons to foreclose. I do not recall at all receiving that bc I would have been really taken a back considering I just sent them 3 months of payments per our agreement. Now, they are trying to push a sheriffs sake on the property all the while their customer service e dude is lying to me staying my property is absulutely not in foreclosure. I 've still been trying to work with them in the modification. I e never been denied but they keep stringing me along stating that they need different Infornation. I feel completely taken advantage of, they lied abs completely misled me all the while trying to sell my property while they tell me it 's not in foreclosure. Please help. XXXX
Hi, I took out a loan at spot loan for {$300.00} and I now owe them over {$800.00} ( interest rate ) I was in a financial hardship with my son being sick and needing bills paid. My due date for payment is coming up on XXXX XXXX 2015.. I have recently lost my job. What can I do pls help!!
weiis Fargo continues to show me in arrears on a line of credit account by some $ XXXX which they admit is an insurance charge despite my contention that I have provided them insurance papers.This arrears listing has cost me numerous credit applications and they promise to correct it but have not/ How do I, a little old retiree stand a chance against such a monsterious corp. Thank you for any help.
-On XX/XX/XXXX ( XXXX XXXX Evening ) I made two payments to XXXX XXXX amount to {$310.00} and {$94.00} from my TD Bank XXXX Credit Card for a canopy bed ( brand : XXXX XXXX ) at their outlet. - Despite several reminders they did not deliver the goods on stipulated time. - XX/XX/XXXX ( evening ) they delivered the bed broken with a promise to fix it next day. - They refused answering my calls and on XX/XX/XXXX I filed a dispute with my credit card company- TD Bank . - Before dispute and after filing dispute I had informed XXXX XXXX to remove the damaged bed from my home as it can be hazardous and can cause an accident in case of malfunction. And that I am no longer interested in it. They refused to even acknowledge or respond to my concern. - On XX/XX/XXXX my transaction my dispute ( case number : XXXX ) was resolved and TD Bank reversed my transaction. - While on XX/XX/XXXX without my consent and informing me- the same transaction was reversed in favor of the merchant- without my knowledge. - On XX/XX/XXXX I immediately took the notice and called the dispute department. - I was told that since the furniture was still with me, and there was clause on the receipt ( that I had originally provided ) that says if I did not inform the merchant- the furniture will not be returned. - After I was asked for a rebuttal I faxed all the evidence of the calls I made within the clauses mentioned on the receipt. - Also I provided the necessary detail that it was not a portable merchandise as it require experts to dismantle and transport it back to XXXX XXXX XXXX. - Additionally I also agreed to pay for the re-transportation back to XXXX XXXX. - Finally I also asked TD Bank to provide me the supporting documents that XXXX XXXX had given them to justify my negligence of fault in the dispute. - TD Bank dispute assured me that I will get all the documents and supporting papers within a week. - After 15 days I called TD dispute department again and I was told that the documents will be sent. - Throughout XXXX and now towards the end of XXXX- I still haven't received these documents. - I also contacted online secured servers messages but to no avail. - Hereby I conclude that TD Bank has violated my consumer rights but misusing my credit line by providing undue favor to the merchant- XXXX XXXX XXXX. I entrusted my credit with this Bank through XXXX but as a matter of formality they did reverse my transaction only to pay it back to Merchant. - There was no additional evidence given by the Merchant except from what I had submitted, furthermore TD Bank failed in providing me the documents that the merchant had submitted- despite repeated reminders. Primarily, because they didn't want me to get in possession of this mishandling as I had informed them of my reporting to CFPB in case they abuse my credit line.
THIS IS THE SECOND TIME I ATTEMPTED TO GET MY CREDIT REPORT AND EQUIFAX HAS ASKED BOGUS QUESTIONS TO PREVENT ME FROM GETTING MY CREDIT REPORT ON LINE. NEITHER XXXX NOR XXXX HAVE THIS BOGUS INFO L ; LISTED ON MY CREDIT REPORT THAT EQUIFAX IS ASKING FOR. ALSO I AM XXXX WHAT THEY ARE DEMANDING I DO IS NOT ONLY TIME CONSUMING IT DISCRIMINATES BASED ON XXXX BECAUSE THE ONLINE REPORT ACCOMMODATES MY XXXX. WHEN I CALLED THEY REFUSED TO SEND ME A COPY SAYING THEY ALREADY SENT ONE. NOT TRUE. I AM UNABLE TO GET THE REPORT ONLINE, UNABLE TO ORDER IT BY TELEPHONE AND HAVE WEEKS OF DELAY WHEN REQUIRED TO MAIL A REQUEST. I WAS DENIED CREDIT BASED ON WHAT THEY SAY AND AM TRYING TO RENT A HOME. I CAN NOT AFFORD THE DELAY. THIS IS THE SECOND TIME I ASKED FOR MY CREDIT REPORT AND I NEVER RECEIVED IT. I AM ILL AND CAN NOT KEEP FIGHTING WITH EQUIFAX
I was buying a car. The car was totaled by a natural disaster. I had full coverage and GAP insurance. the company reported a balance on my credit. I contacted XXXX, Experian and XXXX. All except Experian refuses to remove it. I have the supporting documentation saying XXXX and XXXX removed this from my credit
In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX EXPERIAN sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you EXPERIAN the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. EXPERIAN is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. EXPERIAN is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate info
1 - I mailed a payoff request letter on XX/XX/XXXX Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
2 - I requested a payoff via the vendor 's email account on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
3 - I requested a payoff via the vendor website on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 1. XXXX XXXX : This account I have never done business with this company error please delete. 2.XXXX : This account has inaccurate info 629 violation please delete. 3. XXXX XXXX : This is inaccurate in information no validation errors please delete. 4.XXXX : This is not a valid account error. I do not recognize this company no proof of claim information please delete