WillisBack/dataset-financial-user-claim huggingface dataset:
All of my accounts have been hacked an I believe that BMW is behind it. Bmw has is doing everything that they can to keep me from getting to the right place to file a compliant they hack in my phone. They disable my car remotely. They have people following Me 24 hrs a day. I call the police but they do not want to help. They say everything they can to keep me chasing my tail. I've be hacked money frozen card towed illegally. Threaten all of these thing stim from bmw an this software they are developing for the driverless cars I THINK WHAT EVR IT IS ITS ON M6 CAR AN THEY HAVE WORKED WITH THE POLICE TO SEPERATE ME AN MY CAR. THESE PEOPLE FOLLOWING ME DISABLING MY CAR MAKING BREAKS GO OUT POWER SEEM TO BE DEAD THEN COMES BACK OVER HEATING THEN FINE IT'S LIKE THEY HAVE BEEN USING ME AS A TEST DUMMY. The police I hear are to be getting carS fRom bmw. My car is still in the pound police had a 3rd party pick up the car then called back in an said that I requested a tow. I have towing with bmw free I need help. I don't KNow what else to do when the police are involved in a crime an it seems that they will stop at nothing to keep me quiet they have put tires on flat take out fuses in my car so it wouldn't run. Hacked phone an have calls I call go to them. My name is XXXX XXXX XXXX XX/XX/XXXX. I don't feel safe. I was left in the middle of the street at night for 2 hrs an police drove by like I wasent their. I was taken to XXXX they tyed too wipe my phone 's clean I recovered them. Police helping these people that are following me please help. XXXX
Experian XXXX-SERIOUS DELINQUENCY ; XXXX-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED ; XXXX-DELINQUENCY REPORTED ON ACCOUNTS ; XXXX-AVAILABLE CREDIT ON OPEN REVOLVING TRADES I have pulled my credit report 5 times. There is not ONE thing on my Experian report showing deliquent. I have complained about this SEVERAL times to Experian - all they do is send me a copy of my report showing NOTHING deliquent. I would like to take legal action to have this statement removed
I did n't know these were not paid unti after they were in collections I do not recall the dates of service and the bills may have been included in a bankruptcy filing. I tried to set up payment and received on letter then no more communication. Left more than XXXX message.
Sterling Infosystems , Inc., a consumer report company is reporting false and frivolous information on employment background check. It is reporting XXXX cases that were not only dismissed, but also sealed, expunged, or otherwise removed from public record.
I have received calls for months from RECOVERY PORTFOLIO. 
All the calls received continue to change phone numbers and I have told them to stop calling and I don't owe anything to anyone. 
THEY CONTINUE TO CALL.. EACH DAY FROM A NEW PHONE NUMBER. 
THIS MUST STOP. 
THIS IS A HARRASSEMENT AND I HAVE CALLED THE LOCAL POLICE, MY CONGRESSMAN.. IT JUST CONTINUES.
On XX/XX/2018 I sent a letter asking for validation of an alleged debt to a collections agency, XXXX XXXX in XXXX Oklahoma. On XX/XX/2018 I received an itemized bill and a photocopy of a lease with XXXX XXXX through XXXX XXXX. They did not send anything else validating this alleged debt owed to them as requested in the validation letter originally sent to them. In the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. I never had contract with this collection company and they sent me an invalid contract.
Ever since you sent me the dissolution for my last and only complaint, I have been getting harrassing phone calls. They say I am to appear before a federal governments majester and since I never responded to them I am going to prison.? I looked it up online line the multiple numbers and sure as XXXX others had complained of a scam, its just weird it was directly after dissolution of my complaint. Also now there is a fraud block on my report telling any consumer to call me before any purchase .... Its basically ruining my life, I am a single father trying to make it with a XXXX year old zero help from the mom she is long gone and you've destroyed or whoever put this fraud block on what credit I was rebuilding. My personal info is off by a long shot its seriously ridiculous! There is stuff on my credit which is ten years old when can a man finally get a break? Not to mention i'm in between XXXX working jobs from the season and unemployed ... The i.r.s. charges like 500 dollars a missed payment the state puts leins and distraint warrants out on bogus child support..NO ONE even actually looks at these claims ... The only government or service workers i have found to do a decent job is the XXXX, and some of there workers are like ridiculous to where its overboard. I here of a tax reform all the agencies government and state are reformatting to correct this? I seriously hope my daughter grows in a generation where this is taken care of and government and state officials give a family the chance to XXXX LIVE!!!!! excuse my language i am in an outrage. HENT..VENT ... Please email me back or call leave a message so i can call update my contact information immediately so me and my XXXX year old can have a chance in this wold!!! and please take the fraud alert aff my account!!! ASAP When called i will present my real current info like phone address school history because some of the guesses and XXXX  still on my credit is bogus!!! thank you for your time!! 
XXXX XXXX
I am writing to the consumer financial protection bureau to remake a complaint concerning a matter which I previously made a complaint on in XXXX of 2015 ( complaint # XXXX ) on my private student loans. At that time I made the complaint that even though I was paying my bill, Navient was still harassing my aunt who is a cosigner on my loan and was suffering from XXXX, had a XXXX and had XXXX at XXXX XXXX and XXXX XXXX Hospital in XXXX XXXX, where she lives. She has now been diagnosed with a mass on her liver. When I complained to you and your organization, you got in touch with Navient and the harassing phone calls stopped to my aunt. I continued to make payments and arrangements as I will outline in the following but my major worry is that they have yet again started harassing my aunt. I would seriously request your help in making them refrain from harassing my aunt suffering from XXXX who is not responsible for the bill and only a cosigner. I would like her removed as I have been making the payments. 
As of right now, I had spoken with Navient and had been told if I submitted bank statements and pay stubs that I would be qualified for a program to reduce my interest rate to 1 % and my payments would be {$250.00} a month. I submitted the paperwork and they took a payment of {$250.00}. Navient left me a voicemail saying I was approved but they needed to speak to me. When I called back, they said I was not approved in complete contradiction to what I had been previously told and with the amounts of money taken out of my account. Of course no full names were given to me and they did not give me any other options. In the mean time they have taken XXXX more payments of {$250.00} out of my bank account. They have continued to call my Aunt who has been battling XXXX for years having XXXX, a XXXX and been through XXXX treatment and recently discovered a XXXX. My XXXX continually receives calls at home and at work, day and night. The last person I spoke to at Navient told me he needed to speak with my aunt to set up the program. When my aunt spoke to the man he was extremely rude and said " You can pay your bills but not us. '' That is completely wrong to say that to someone who has been paying medical bills on top of her own family matters and who is not responsible for this bill and is simply a cosigner. It can not be legal for Navient to take payments and then say I am no longer qualified for the program let alone verbally abuse my aunt on the phone. I am trying my best and have been making payments but Navient continues to break their word and not work with me and harass my aunt which I have previously put in a complaint about.
I have a federal student loan serviced by Nelnet. After I graduated in XX/XX/2010, I was n't making enough money to make my payments. When I called them up, they pushed me into a forbearance. The same thing happened a year later, when I still was n't making enough money - I called up, explained my situation, and they put me in forbearance a second time. Little did I know, there was such a thing as income based repayment. I could have afforded {$50.00} a month, or maybe just paid the interest. In retrospect, I could have saved several thousand dollars in accrued interest if they had just offered me an income based repayment plan instead of forbearance.
OmXX/XX/XXXX, I was online getting coupins, and several popups were being advertised in order to get the coupons. I anserred several questions, and closed the coupon app realizing it may lead to spam. XX/XX/, I received a deniel letter for an application I never applied for, so I sent an email to the XXXX, and explained the situation, and now I am receiving harrassing calls. I requested an investigation, and the removal of credit inquiry from my credit report.
We have been making payments for a debt to a company called RJM Acquisitions. Today we received a call from XXXX XXXX, another debt collection agency, claiming they are the actual owners of the debt and that they are suing my husband for nonpayment. We now have to figure out who actually owns this debt and how we recover the fact that we have already paid a debt to a possible scam artist- all while being sued for this very old debt.
Date of transaction :  XXXX   XXXX ,   XXXX   Amount : {$300.00} Actions : In response to this issue, I visited my branch of Chase bank  ( i n Texas ) for help. They notifi ed Mother 's  branch ( in Idah o ) that  she must show identification now. However, my branch says " known customer '' withdrawals without identification are legal.     Desired action from the bank : Restore the withdrawal.     Issue : Mother 's bank says she is a " known customer '', so they allowed her to withdraw without identification. However, they did not know that she had a  XXXX    XXXX   XXXX   XXXX  , and can absolutely not be a known customer, and that her grandson coerces her for money. We want the bank to restore the funds they allowed her to withdraw, because we believe identification is a security requirement that they allowed to slide.     Mother now lives in   XXXX   XXXX   XXXX   XXXX  , with the right to come and go. This means others may take her out for visits. Her grandson is a   XXXX   XXXX    XXXX  adult. He took her to the bank.     We thought her finances were safe because we ( sister and I ) have her identification, credit card, bank checks, etc. I 'm her financial power of attorney and have been added to her account. As a result of this withdrawal, I have learned about conservatorship and have requested an application.     Mother 's income is minimal. She receives Social Security and a small insurance annuity. Nearly all of her income goes to the   XXXX   XXXX   XXXX  , medication, and hospital costs. She can not afford this loss.
My mortgage was sold to a company called Lakeview Loan Servicing LLC. They take out payments for escrow to pay my homeowners insurance and property taxes. Two years in a row they did not pay my property taxes until I received a Notice of Past Due Personal Property Taxes from the XXXX County ( AZ ) Treasurer 's Office. Last year they had to pay a penalty. I am currently on hold with them about this year and have been so for over an hour. They also failed to pay my homeowners insurance until I received a notice of cancellation and called them. Every time I have been assured the problem will not happen again.
I have continuously tried to dispute this account. I have asked that Portfolio show ownership that I had this account and they sent nothing but a bill, I later reached out to them and asked them provide anything else and they didn't respond. I have sent a complaint already to Cfpb and Porfolio has failed to meet the requirements asked of them. I sent a letter on XX/XX/2018 asking them to cease contact with me and remove items from mu credit and they sent me a settlement letter.
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the FED Loan Servicing. This collection agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against XXXX. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX XXXX and XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
Between the time of XXXX and XXXX ( XXXX XXXX XXXX ) on XXXX/XXXX/2016, I received a call from the phone number XXXX. I spoke to a lady there. She did not give a clear description on who she was calling regarding. She told me that my credit card was n't going through, etc. I was transferred to her supervisor. Her supervisor told me that he could not take half of the payment after I offered to pay half. He said I was " calling his bluff. '' He raised his voice and said " XXXX wants this NOW '' and " you can not pay half. '' period. You owe a debt. you pay it. I informed him the line was recorded. He said, " I know the line is recorded. I am not stupid. '' I told him I was going to report him verbally abusing me and harrassing me. He said he didnt care. He was very verbally abusive. He said many more things and was raising his voice at me and yelled at me saying I had to pay the whole amount. I called back in around XXXX XXXX, I spoke to another person who said that the supervisor was lying to me and she could take half of the payment. She gladly took half of the balance that I owed as a payment. The supervisor harassed me and bullied me. He also practiced deceptive collection practices, which is completely illegal. Please take care of this issue. I was on the phone in tears after my phone call with them. I did not get the name of the agency when they called, I 'm sorry, but that is their phone number. Thank you for your assistance.
I had received a call from the credit company that I have my car loan from, which is through the car dealer directly. I had been 14 days late on my payment, which I had completely been aware of. I had missed the call due to being at work where it is nearly impossible to answer my personal phone. A voicemail had been left that the car had been XXXX due to the late payment and that the were sending a " repo '' man. Now mind you, I had not heard that voicemail until later in the day. With that said, I was in the middle of conducting an interview at work and receive an urgent call from office staff. They informed me that a " XXXX '' was here for me and I informed the staff that I was in the middle of an interview. I finished the interview and the front staff informed me that a " repo '' man, XXXX, was here and booted my car. How is this acceptable to send a repossession company to enter the place of employment to render a vehicle, and relinquish my personal information with employees in the office who are NOT aware of my financial situation. This not only reflects poorly on that dealership but more importantly defames my character in front of others. This is not only embarrassing but has caused me emotional and physical distress due to my private information being discussed with unauthorized persons. This is a clear violation of the Federal Trade Commission.
I open an account with american express but for some reason they decided to end the relationship and now they are holding on to my funds and don't want to return it nor refund it.american express national bank is holding my funds HOSTAGE and won't release the funds nor return the funds. I have contact them by phone and by mail and still no response.Please help me with this situation.
I have two debts that are over  7 years old . My husband left me in  XXXX  and I stopped paying our credit cards. The divorce was finally completed in  XXXX  where they granted him this debt and it is specifically noted in divorce. He moved to   XXXX  .  <P/> I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off.  <P/> Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them.  <P/> I just received a letter from  XXXX  wanting the balance  XXXX  for something that is in a divorce agreement and was back in  XXXX .  <P/> Also a very ugly company stating they are an attorney,  XXXX   XXXX   XXXX  are trying to get a balance of  XXXX  going back to  XXXX  of  XXXX  which is the last statement they have from capital one. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me.  LOL!  These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.
My complaint is for XXXX of XXXX, PA once a part of XXXX Colleges that forced me into getting a XXXX loan from XXXX XXXX XXXX. I have submitted a complaint in the past about my XXXX loan and have gotten no with it and now my loan was sold to another private lender Campus Student Funding LLC at XXXX XXXX XXXX XXXX. I have making payments none stop for almost 4 years now and my balance is actually higher now then it was when i was in school and from when i graduated in XXXX 2012. These high interest loans and the high cost of XXXX in general put me so far in debt that I was not eligible for a mortgage because my debt to income ratio was too high. Even with close to a XXXX credit score the loan officer was not able to help me. I pay all my bills on time but here pretty soon I 'm not gon na be able to afford the genesis loan that is now with the other loan servicer. This was unfair practice on the part of XXXX colleges and the XXXX lenders and now four years later I am still suffering from attending there. I never received anything saying that the lawsuit against them would help reduce my debt. I think XXXX sold the active accounts before they were able to be reduced. I think my loan should be reduced since i have not missed a payment since XXXX of 2012 and my balance is even higher now then it was when i graduated.
OnXX/XX/XXXX a man called me and asked if I could send a box to XXXX I said I could and someone delivered it. On XX/XX/XXXX, he called again and we went thru the same process. I emailed him the receipts and asked him to sign, which he did. I also asked for a copy of his driver 's license and front and back of the credit card. Also done. On or around XX/XX/XXXX, I received notice that he was protesting, saying that the card was used fraudulently. I followed up with my processor and his bank, all to no avail. My account has been charged back $ 1,700+ and I paid XXXX another $ 1,200+ for the shipments. My card service rep told me that he has worked this scam all across the country. His credit card company is siding with him because he is a " Premier '' member. They are protecting a thief and I am really XXXX. I want and desperately need my money back. Chase will not talk to me since I am not the cardholder. They obviously know that this guy has done this dozens of times ( if not more ) and are protecting him. I have attached documents to support my claim. Chase needs to know that this is not OK. This is a Mastercard World Elite Merit 1 credit card. Please contact me if you need more information.
Experian is making it overly difficult to place a free security freeze on my credit without purchasing one of their other products. The other credit bureaus made the online process very simple. I'm mailing my information per instructions to Experian, but once the freeze is setup I'm afraid it will be overly difficult to remove when applying for credit. Hopefully I can maintain access to credit using reports from the other two bureaus only.
Mr Cooper refuses to acknowledge my request for short paying my property taxes to help keep my monthly payments low so I do not struggle financially each month. I explicitly requested that they short pay the initial installment on XX/XX/2018 and they did not follow my instructions and instead paid the full amount. When I attempted to write to them to advise of this, they did not want to write back a resolution. I will not trust this company verbally to resolve and want everything in writing from them!
My father XXXX XXXX suddenly leaving no will and many debts, I was on XXXX, I have now been able to get a job, but I still have lawyers and other debts from my father 's XXXX. I have explained this to Capital One, I may be filing bankruptcy, but I am trying to avoid this. Even so Capital one calls at XXXX XXXX, with a recorded voice, a woman named XXXX , I work odd hours, so the calls wake me up, they even call on Sunday. They refuse to give me sometime to get my finances straight.