WillisBack/dataset-financial-user-claim huggingface dataset:
First and foremost I have filed three complaints with CFPB and each time I fax the number on your website to provide additional documentation it is never uploaded to my account to reflect faxes sent on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and so on for case  XXXX  Ditech also known as Green tree servicing LLC reallocated my funding incorrectly.   They have sent a representative to my home on  XXXX / XXXX / XXXX , they have sent me two collections letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  when my loan was prepaid as on  XXXX / XXXX / XXXX  until  XXXX / XXXX / XXXX .  Ditech  is fabricating response letters and resolution letters being sent to me after a failed resolution to fix my payment allocation went unanswered for 10 months. Proof of that is a recorded call with their  director  who states the only  XXXX  wo letters in the system are two lett ers sent in    XXXX   XXXX   XXXX   a nd  XXXX   XXXX  which I relay to her was never received. The reallocation of their initial application of my bimonthly payments they allege they did was done incorrectly. If applied correctly, principle balance would decrease because they were provided extra payments. However their reallocation reflects that my principle balance increased so please explain to me why are you CFPB closing my complaints without uploading my additional documents  # 1 a nd then closing it when there still remains outstanding issues  XXXX   XXXX
The companies Equifax, XXXX  and XXXX are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the Equifax, XXXX  and XXXX companies, and they sell your private and personal information or spread wrong information about you!!! 
Equifax, XXXX and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
Equifax, XXXX and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
Equifax, XXXX and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!
We have contacted TD Auto as our XXXX  XXXX XXXX  was deemed totaled by XXXX XXXX XXXX. XXXX XXXX was unable to get ahold of anyone at TD Auto and my wife and I took it upon ourselves to contact TD to help resolve the issue. We were able to make contact and provided the info to XXXX XXXX   whom faxed over the letter of guarantee that needed to be filled out by TD Auto. Now its been over 8 days ( XX/XX/XXXX  letter was faxed ) and they said it was sitting on someone's desk and he would try to rush it through. He did provide us with a number to call for any questions or to check in on where they were in the process.. well that number we call has kept us on hold for well over 10 hours still with no contact. We call customer service and they tell us 7 to 10 business days from the day we have reached out for example today they said another 7 to 10 business days. But yet they are now demanding payment on a loan that has been deemed a total loss and should have been paid in full by XXXX XXXX by now if it wasn't for TD auto dragging their feet trying to earn more interest money ... Fair practices act much???
According to XXXX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.
I received a call from my mother that this company, Coastal financial solutions LLC was trying to get ahold of me about a past due payday loan. I called the company back immediately to figure out what loan they were talking about and to update my information so they could get ahold of me directly. A representative named XXXX XXXX answered and immediately told me I would be facing jail time if I did not cooperate and make a payment. First I needed to be reminded of this loan - it was over 2 years ago and had slipped my mind. I asked him if I could give him my updated info to get ahold of me and he said no. He stated until I make a payment they will continue harassing distant family to get ahold of me. I advised him that he needed to work on his customer service skills as his tone was getting loud and aggressive. I told him that I would be understanding because I 've worked in customer service, he immediately interrupted me and yelled that the reason I have this debt to begin with is my poor customer service skills which obviously got me fired from a job. This is completely untrue, I was not fired nor did I have a customer service job when this loan payment lapsed. I had a death in the family about a month after i received the loan so it had slipped my mind I had to move and get a cheaper phone so my address was different as well as phone number. This representative XXXX XXXX accused me of flying under the radar purposely as to not have to pay this loan. At this point I 'm fighting back tears while I 'm at work because I do want to resolve this issue, but the REP continued to interrupt and talk over me threatening me, telling me I 'm basically stupid because I have a past due payday loan and trying to make me believe he is the only thing that can keep me from going to jail. I finally just started saying ok as he continued to belittle me so I could get this issued resolved. I asked to speak with a manger and he deined my request saying that he is the only one who works there and has been assigned to my case. I noticed online that other people have also had trouble with Coastal Financial Solutions LLC and it needs to stop, we are all human beings with feelings and difficult life situations. This rep was so rude and derogatory, I tried to stand my ground but he would not let me speak. He made me feel as if I have no options left.
I received a letter from Convergent to settle my debt. I replied to the letter with my account information for them to take money directly out of my account on a monthly basis until the debt was finished, but they never took any money out of my account. I even sent them an email to get back to me as there were two different addresses for them, but I never received a response. Recently, I saw them on my credit as collections for a debt that I did in fact try to pay.
I am a federal worker and qualify for the student loan forgiveness program.I submitted the original certification form on XX/XX/XXXX and a recertification form on XX/XX/XXXX. I have not received any information and/or notifications on my correct payment count. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this issue has not been resolved. Each representative keep informing me that the process takes up to 90 day ; however, it's been almost 20 months since the original form was filed. I am trying to ensure that the correct count is made and that they are not trying to force me to forgo the forgiveness process. No one at XXXX are wiling to help me. They just keep telling me that they will resubmit the forms. I have no clue what to do next.
I recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
HI, Please should more consider on my complaint against bad company EQUIFAX i had submitted many times of this regarding Unauthorized Hard Inquiry and XXXX has responded me Company responded XXXX XXXX XXXX Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response We are sending the customer a letter advising that we previously notified the credit reporting agencies to change the inquiries to non display, and it may take up to 45 days for the update to reflect.
I was called by a process server contracted by Creekside Recovery and Capital Management. The process server stated she was driving to the known residences of " XXXX XXXX '' to serve lawsuit-related documents. I told her I was not XXXX XXXX ; I am XXXX XXXX, his son. She gave me two addresses which she was going to ; these were prior addresses of mine. Neither of these addresses has ever been the address of my father and I told her that ; she said she did n't care. One of these addresses is the current address of my mother, who is divorced from my father. I was very concerned that this process server would show up at my mother 's house. I called the number given to me by the process server which is the number of Creekside Recovery and Capital Management. Creekside Recovery and Capital Management refused to identify themselves as Creekside Recovery and Capital Mangegment ; instead they used the term CRCM. They also refused to assure me they would double-check on whether the addresses they were sending a process server to were the appropriate address for XXXX XXXX. So they refused to assure me my mom would not be harassed at her home and they refused to assure me my former landlords would not be harassed at their homes. I have not lived with XXXX XXXX in over 10 years, have no connection to this matter, and believe I am entitled to assurance that no process server will be going to these addresses ( or at minimum that they would take some steps to double-check on where those addresses came from in their system XXXX. Furthermore, I believe it was inappropriate for them to identify themselves using an abbreviation when I asked them for the specific name of their company ; they used the same tactic when my mom spoke to them. In and of itself, this intentional misdirection concerning their identity is a form of harassment ; I had no way of knowing they were a real company and not a malicious group of scammers with private information about my family. Finally, they even threatened to sue me for calling them repeatedly to try to get their full name ; again I was only trying to get their full name to confirm they were a legitimate corporation so that I would not fear for our safety. I only found their name later using XXXX and it required multiple searches. Prior to finding their name I also submitted a complaint to the FTC with reference number XXXX do not talk with my father and do not want to be involved with him in any way ; that 's why this matter is disturbing to me. My mom also does not want any involvement with him or this matter but it has been imposed upon us by the aggressive tactics of CRCM and their contracted process server.
I entered into agreement with Commenity Bank ( XXXX ) wherein I had equal payments for 4 years. I was a three days late in XX/XX/XXXX. I rectified that and brought the account to current. The next two months I made a little more than the payment due. Today I received a call demanding I bring my account current and make an immediate payment ( acct no longer late ). When I called Commenity Bank, I was told that the card is " a revolving account '' and a " promotional APR account ''. The late fee ( s ) are applied to teh revolving acct first, then the remaining is applied to the other account ( mind you, it 's ONE credit card with ONE item on it ). That put me in a cycle of " catch up '' even though I was making the original, agreed payment amount. They were using money from the payment and applying it to the " late fee '' first, making my payment for the month an insufficient amount. I have never encountered anything like this before and I feel this should be looked into because I 'm sure I 'm not the only one being misled by their credit card.
On XX/XX/XXXXI ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to  harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}
i called them on XXXX XXXX 2015 and said i need to do a voluntary surrender of my vehical. so they started typing on their computer.. they then said i need you to do a recording i said no i dont need to do a recording to do your surender. I said why? i just told you thats what i wanted to do. so i hung up.. they called since then since today 224 times.. and i have talk to them.. now they are harrasing me every time. my last phone call was well its your loan, you need to pay it. thats what i was told. i said do you ever look at the notes yes i do ... so you want to surrender the vehicle? i said yes they said hold on ... well its been 75 days past due how do you want to pay..i said what are you talking about.. i said if you really read the notes you would knwo that i said i want to surrender the truck
On XX/XX/XXXX I reported and disputed a charge for a room I received that was not as advertised. I paid for a smoke free room. The room was not as described. However, throughout the days I stayed at the hotel there was the smell of some fume that I am sure was the smoke of XXXX. The smell was also outside of the room where I stayed meaning someone in another room had to be smoking or else it was coming from the air conditioning system. I reported to the front desk personnel who stated there was nothing they could do. The room XXXX did not have adequate air conditioning and also had a window air unit that had to be used to keep the room cool. Paypal decided in the sellers favor whom has no evidence as PayPal allegs I did not have yet made the decision in the sellers favor.
I have tried to dispute XXXX XXXX XXXX on my credit report. The information reported from this creditor is incorrect. I even contacted the creditor requesting documents and proof of this debt. When I call, they tell me to call back or the person/ department handling my account is not available. I did take out a loan from this Company, however what is on my credit is inaccurate. I can not even get access online for this account to review my balance, payment, loan documents, etc. I even requested a new password reset ; got nothing. All I need is for the company to prove this debt. I want to pay them back but do not agree with amount on credit report. I sent proof to Transunion of an email receive from the company stating I only owe the principal amount which is {$570.00}. When I took out the loan XXXX XXXX was charging illegal fees for a payday loan. I informed them of this, so this is when they wanted to settle with me to only pay the remaining principal balance. When I contacted Transunion ( XXXX attempts ), they have sent me status stating same result and nothing have changed. Their turn around time is like within 10 days or less. How did XXXX XXXX proof this debt to them to keep this on my credit report after letting Transunion know that I was unable to get prove the amount owed. I really do n't believe Transunion have investigate this issue. What is showing on my Transunion credit report is the account is charged off and I owe {$1300.00} from a {$700.00} payday loan. I made XXXX payment of {$120.00}, but then again on my credit report shows no payments made. I will need proof of this debt to pay it off. This creditor only shows up on my Transunion credit report. What prove did they provide to Transunion? They do n't even want to provide me with prove of what I owe. Please help, I really do not know where to go with this anymore.
CFPB, Can someone from the CFPB please tell me why it is OK for Transunion to obfuscate the ability to create a free XXXX fraud alert? I 've spent 30 minutes on the site trying to find it and it 's nowhere to be found. I do n't believe that follows the spirit of the requirement to provide this service. Please have Transunion, like the other XXXX reporting bureaus, place a clearly identified link to the free 90 day fraud alerts on their home page. This is not rocket science and CFPB should have this kind of a consumer friendly check as part of their regular monitoring of these agencies.
Bank of America claimed I have done fraud. the account was cleared with them but it 's on my consumer report.
This company calls me at work XXXX or XXXX times daily. My coworkers know what company I owe now because their number shows up so much on the phone. When they call they are very threatening and aggresive. They already have taken me to court and have a judgment to garnish my wages.
i sent XXXX XXXX a letter on XX/XX/XXXX regarding this account, on Transunion it showing as of XX/XX/XXXX that my account is closed and it should be reported open.Please help me get this corrected cause it lowering my score and having stress behind this cause i cant get anything that i need
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Equifax will NOT send my current " Annual Credit Report '' in spite of my having sent to it, PROOF of my identity ( CA Driver License ) and Social Security number ( via a copy of my Social Security Card ).
I was a victim of Identity Theft and filed a full police report regarding the Identity Theft and the impact of the negative items on my credit report that do not belong to me. I filed a formal letter to Equifax reporting the Identity Theft along with a copy of the Police Report and asked them to remove the items listed on my credit report that do not belong to me as they were from the ID theft and Equifax has refused to remove these items after 3 months.
Bank of America sent me a notice via US mail and in my account that if I opened up a qualifying checking account and set up and received a qualifying direct deposit totaling {$4000.00} or more within the first 90 days of opening the account by XX/XX/2017, I would receive a {$300.00} Checking Account bonus. The details go further to state, " If you meet all the Requirements to Receive the {$300.00} Checking Account bonus, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days of meeting the qualifications for the earned bonus. New personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. '' I reported to them that I met the qualifying factors as of today XX/XX/2017. A BOA representative then informed me I have to wait the entire 90 days then 60 days thereafter and that is not what the promotion states. I have met the requirements WITHIN the 90 days as required and expect the {$300.00} payment 60 days from this aforementioned date, now they are telling me they are not going to honor the offer they made ( which I still have in writing and digital copy ).
XXXX told me that they tried to bill my car insurance instead of my health insurance. And since they messed up its too late to bill my health insurance and i have to cover it. 
I feel : No. I do not owe it. If they didn't bill it properly thats their fault not mine. They can bill the insurance or erase the debt. Either way it needs to be removed from my credit report. It is not my responsibility.
I was dealing with XXXX XXXX in XX/XX/XXXX to maybe XX/XX/XXXX(? ) til then the school filed bankruptcy and closed that I went too. I am STILL dealing with these loans that I took out in XX/XX/XXXX. I made payments for several years of {$750.00} a month. Somehow 19 years later.. I owe XXXX XXXX dollars when I only borrowed about {$18000.00} because the rest were grants. And I paid monthly payments. School shut down.. XXXX XXXX sent me a letter saying XXXX balance, then years later started getting letters again from Fed Loan.gov and Navient is on my credit report. NO ONE LISTENS. It was a XXXX XXXX. 20 YEARS AGO. I DO NOT OWE {$100000.00} DOLLARS!!!!!! I was XXXX ... I am now XXXX..it has HAUNTED ME my entire life!!! TOTAL SCAM. THE LADY NOW OWNS A NEW XXXX XXXX IN THE AREA!!