WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017, my wife and I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement.
On XXXX XXXX, 2017, after the purchase was completed, I noticed on XXXX XXXX that I had received XXXX ( XXXX ) hard inquiries from this transaction. According to the XXXX details shown on this service, the XXXX  ( XXXX ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XXXX/XXXX/2017 ) 2. XXXX XXXX ( XXXX/XXXX/2017 ) 3. XXXX XXXX ( XXXX/XXXX/2017 ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XXXX XXXX, 2017 - Phone call - left a voice message 2. XXXX XXXX, 2017 - Email to XXXX XXXX 3. XXXX XXXX, 2017 - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) : XXXX - Email : XXXX
Caller repeated left robo messages on my mother 's answering machine. The record message identifies itself as XXXX XXXX and states that they are trying to collect a debt from an individual we do not know. No company name, phone number, or other identifying information is provided. I happened to be at home for lunch during XXXX of the calls and answered the phone, then waited for an operator. The operator XXXX stated that the company name was Convergent. I believe the full name of the company is, " Convergent Outsourcing Inc. '' There are likely many other victims who can not complain as the company does not provide any identifiable information.
On XX/XX/19 MoneyGram debited my checking account twice in the amount of {$210.00} each time. A total of {$420.00}. In my MoneyGram account, it shows only one payment was sent for that amount.

I contacted the number given for customer care. My first call was taken by a person whom I could barely understand. It was clear she could not do anything to explain or fix the problem. She gave me another number to call. This call was also answered by a person whose first language was definitely not English. He told me to call back in three days. He gave me no assurance that the error was going to be corrected.

Since this was not an error on my part, I find it very upsetting that this seems to be of no priority to MoneyGram to rectify their mistake and very vexing that I am out of pocket for {$210.00} that I had not budgeted for. Even more concerning is are they going to ever fix it?
Every time fed loan and i come to agreement about my loan, they soon send something in the mail stating I did not qualify. They phone calls from random numbers. i barely can purchase food, for me and my son. I'm currently on XXXX different meds, and XXXX different XXXX  and XXXX medicine because of their harassment. Often, I have to double my dosage when XXXX XXXX constantly call me. My credit is shot, I only make enough money to pay rent, light, water.
I have XXXX Credit card accounts with Capital One. I sent a check for {$25000.00} to pay off one card completely and with written instructions to pay down the balance of the XXXX card with the remaining money. I was able to track when they received the check XXXX XXXX XXXX ) put it was n't posted until XXXX XXXX. Much to my dismay ( and inspite of written instructions asking to be notified when posted XXXX the one credit card was paid off completely but then the remainder {$14000.00} was simply posted as a credit to the card I paid off. My first phone call said they could not transfer the money to the second account ( also a Capital One account ) but they would refund me in a check ; however that may take up to XXXX weeks or longer as it had to remain in that system for XXXX days for being processed, then after processing, I would need to add another XXXX days before I received payment. I needed that money posted to other account ... or available for me to use. I called back, with same resposnse. I called back then went to chat ( XXXX time ) now with hold times I have more than XXXX hours invested in trying to get this straightened out. Meanwhile I had to make another payment on the account that I was trying to get the money transferred to plus it I am still being charged interest for the higher amount. Monday XXXX XXXX I called and went up the chain of command to a supervisor who assured me that they would release the money and transfer to my account in XXXX business days. Close to the end of the business day yesterday XXXX XXXX day ) I called to see why it had not been transferred. They said there was a problem with my bank information. I know they had the correct information. The problem now is that they would have to issue a paper check with all the delays. I asked for a superviosor, and XXXX supervisors up the chain. I was told that it would be another two days. I asked if I could have an email confirmation of that. I was told " NO '' they were not allowed to confirm that information. I asked to speak to this man 's supervisor and he told me he was the top man and there was no one else I could talk to ... nor would he give me any information about how to contact him directly. If I wanted to check, I would once again start with the generic number for information. I have now spent over XXXX hours trying to get my money back. As of noon today, my money is still sitting in an account that is paid in full and I have no access to my own money.
This company is attempting to collect on a FRAUDULENT debt! They have been making unauthorized inquiries on my credit reports. First, IF those debts are actually mine, they are outside of the Statute of Limitation for legality of debts. Also, Dynamic Recovery Services would be able to provide actual PROOF of the legitimacy of the debt. They have DENIED this! Secondly, I DO NOT OWE THE DEBT THEY ARE CLAIMING I OWE! I attempted to call them to inform them that I am aware of the numerous complaints for fraudulent activity against their company, and they were to cease and desist immediately. One of their " representatives '' told me that he was ending the conversation because I was being " unprofessional ''. I was not being unprofessional. I was being TRUTHFUL in telling them that they have been caught in an ILLEGAL LIE! They are attempting to do the same thing to my husband, XXXX XXXX, for approximately the same amounts. These " debts '' are supposedly for " medical services that my husband and I have never received. Also, per the Fair Credit Consumer Act, those " debts '' are to include the actual date of service. However, NOTHING that Dynamic Recovery Solutions has provided, shows that information. Therefore, they are trying to illegally collect on a phantom or fraudulent debt.
On  X/X/17    i received a notice from credit karma that my score had dropped  XXXX  points from information provided by  Barclay  bank. Considering that i had  XXXX  accounts in excellent standing which  XXXX  forced me to close because they had suddenly slashed my credit lines to make it look like i was maxxing out my cards which i was not, the way they have reported has caused massive damage to my scores. After i paid the balance in full on all accounts and closed them they then posted interested charges so it shows accounts closed and with balances.It also appears that they have not reported the accounts closed by my request, They are also reporting balances to  XXXX  that do not exist. I have repeatedly return calls from their office of the president to no avail. I have attached screen clips from information appearing on my report from credit karma as well as information clipped right off of the  Barclay card website showing the contradictions. The excessive inquiries by Barclays h as also been clipped and submitted in a prior complaint. I have also contacted the House Banking  Committee  to report ho w Barclays has treated me and they requested complaints on record with CFPB. It is very disturbing that Barclays would launch an ass ault on my credit where i was an excellent customer with them.
I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company.
When I submitted payment over the phone after settling on an amount ( half of the fee ) they ran my card, however no money came out. I have tried multiple times to receive information on the debt via MAIL and they have not sent anything ( however they claim they have ). When I contact them, some representatives refuse to speak to me without giving them my social, while others know my information before I even have a chance to talk ( via phone number. ) I am very upset and am trying to settle my debt, however I am unsuccessful at doing so. I am even having trouble with the supposed company who controls the debt. The number listed on the website says they do n't actually have the debt, leaving me confused.
I contacted DCI on XX/XX/XXXX and XX/XX/XXXX requesting that the company send me a validation of this debt. They proceeded with providing a bill from XXXX but it was not the original legal bind contract bearing my signature that this debt is mine which is what I requested. I am disputing this because I have no knowledge of this account, and I would like to this be removed from my credit because it is affecting my majorly. I have asked the company to please remove if they can not provide evidence of my ownership, but they continue to report.
I was treated unfairly with my students loans from the school I attended. The school was splitting up XXXX loan into small loans causing me to owe more money and making it harder to repay.
I reached out to this company in XX/XX/XXXX XX/XX/XXXX. I also went to the original debtors office with the account # I had at the time I lived in the XXXX XXXX XXXX XXXX and was told by the management team that I did not have an outstanding debt. The manager of the office called while I was there and spoke to someone who advised they will rectify the issue and no debt was owed. I also disputed this balance with all 3 credit bureaus and it has only been removed from XXXX.I called today and get the same message each time I call I need to speak with someone in " support services '' and the office is closed. This company is reporting this debt and I don't owe it and this needs to be removed from all 3 credit bureaus not just one.
I signed up for XXXX American Express cards - a regular XXXX card, and a XXXX XXXX card. Each of these cards offers a bonus if you refer someone using your account - the regular XXXX card offered XXXX points per signup, and the XXXX XXXX card offered XXXX per signup. I was able to get XXXX people to sign up, XXXX for the regular XXXX at XXXX points ( XXXX total ) and XXXX for the XXXX XXXX at XXXX points ( XXXX total ). However, none of the points ever posted, and I 've been complaining and exhausting all options and yet I still can not get anyone at American Express to help me - they just state that the people who did n't sign up did n't use my link. Mind you that I literally stood over some of them while they used my link, and all XXXX will vouch that they did use my link, and I have proof that my links were sent to these people through the American Express website. I 've gotten nowhere with American Express and believe they have a system glitch and are just trying to weasle out of paying me my XXXX points owed. Also, there are multiple people online who had the same issues with these XXXX specific XXXX cards. Where can I go from here to make American Express follow through?
I sold my property on XX/XX/2016 and the payoff was mailed to Ditech on XX/XX/2016 via USPS express mail. The payment was not received by Ditech and could not be tracked by the post office. I had a stop pay placed on the check and a new check was finally issued and sent to Ditech which they confirmed receipt of on XX/XX/2016. On XX/XX/2016 the first check sent was somehow recorded as received by Ditech. The payoff of this loan is a contingency for another loan that I am in the process of attaining, but my account is still as of XX/XX/2016 showing as unpaid. This has also affected by credit rating, and I have received collection calls from Ditech for non -payment of the loan for XX/XX/XXXX and XX/XX/XXXX.
I had an account with XXXX that became 30 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was paid in full in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being paid in full.
XXXX XXXX, 2011 XXXX XXXX XXXX Bank charged off my account even though I was attempting to re-negotiate a monthly payment plan. Furthermore, without prior notice Macy 's summarily referred my account to a collection agency. I learned the latter when I requested and received from XXXX a copy of my credit report. For over 5 years I 've disputed the latter information and sent over XXXX letters. Macy 's has ignored me and states it will not remove the charge off. When I received a letter from the collection agency ( XXXX ) I paid in full the charge off balance of {$720.00}. It is my understanding that a creditor such as Macy 's can not submit an account for charge off until it has provided me prior notice of its decision. I am wanting the charge off and all other adverse information removed from my XXXX credit bureau reports. Please help
I continue to receive email threatening to notify my employer and of lawsuit for a debt I do not recall ever taking. I am represented by an attorney in chapter XXXX.
This complaint is againt LAW OFFICES OF LES ZIEVE. ZIEVE, BRODNAX AND STEELE, LLP HAS IMPROPERLY AND ILLEGALLY BEEN SENDING US LETTERS AND RECORDING NOTICE OF TRUSTEE SALE DATED XX/XX/XXXX RECEIVED XX/XX/XXXX FOR A SALE ON XX/XX/XXXX. We are with KEEP MY HOME CALIFORNIA FOR MONTHS AND ALREADY RECEIVED THE TENTATIVE APPROVAL AND XXXX  XXXX ALREADY RECEIVED THE APPROVAL LETTER AND HAD UNTIL XX/XX/XXXX and they have failed to communicate with us and keep lying and unethical saying they did n't know about keep my home California offer to bring this mortgage current and pay see are. keep my home California confirmed they sent all paperwork to XXXX XXXX. We had to reapply to keep my home California and working with them again repeating everything again and now this LAW OFFICE OF LES ZIEVE IS TRYING TO FRAUDULENTLY STEAL OUR HOME AND PROVIDED NO NOTICE and never Heard of this company or scam as we are working to keep home with keep my home california SO THERE SHOULD NOT BE ANY TRUSTEE LES ZIEVE FRAUD LAW FIRM XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TRYING TO BE A TRUSTEE. THIS LAW OFFICE HAS ILLEGALLY AND IMPROPERLY FILED PAPERS WITH RECORDER CONTRA COSTA COUNTY See attached
Equifax mishandled and failed to protect my personal information, which puts me ( and millions of other people ) at risk of identity theft. This is unconscionable as Equifax is supposed to increase my ability to protect myself against these kinds of threats, and instead they exposed my critical personal information to criminals and thieves.
My husband died, the mortgage was not in my name. I was working with Ocwen on a simple assumption and I was approved for a trial modification with Ocwen. I made all 3 trial payments and my loan was sold to XXXX. When speaking with Ocwen they stated that all my information would also be transferred including the fact that my loan was about to be modified and put in my name and that I had made all three trial payment on the trial modification.
I fell a payment behind on a texaco credit card in XXXX. Since XXXX-i 've made XXXX payments. This company has phoned me XXXX times with an restricted number. I have spoken to a caller three times telling them when i would pay. they dont listen. these callers use a robo-call device. some calls start before XXXX and go on until after XXXX. The second caller told me that i 'd better start showing him some respecrt when i objected to his calls. Foreignors of all nationalities call. i plan to pay off this card within weeks, and close this account. the Synchrony Bank is running this operation. THis is way over the amount of calls needed. THe entire debt is l ; ess than XXXX. These callers need to be taken to task for their tactics. you can bet i 'll never by this gasoline again.
XXXX XXXX XXXX. of XXXX XXXX XXXX XXXX XXXX handled the foreclosure matter on our home. We sold our home on XX/XX/XXXX, 2 months before the scheduled sheriff sale date of XX/XX/XXXX, and XXXX XXXX asked for and received the sellers disclosure on XX/XX/XXXX. We also signed a confidential settlement agreement that XXXX XXXX prepared. However, XXXX XXXX refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to XXXX XXXX to cancel the sale. XXXX XXXX still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get XXXX XXXX to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them. XXXX XXXX 's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB. XXXX XXXX XXXX XXXX XXXX is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.
I initially received communication via phone from this company back in XX/XX/XXXX. Specifically, on XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative and asked them to send me verification of the debt they claim that I owed. I did not hear from them again until XX/XX/XXXX when I informed a representative who call that I never received verification of the debt. I received a phone call from the collector on XX/XX/XXXX and XX/XX/XXXX regarding the alleged debt and I explained that once I receive verification, I will review it and if I deem payment necessary I will make the arrangements at that time. I received an email from the collector on XX/XX/2018 with the information. I have received repeated and harassing phone calls from this collection agency on the following dates : XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX I spoke with the representative and they told them to stop contacting me until I review the information sent to me and then I will make arrangements with them. However, I continued to receive phone calls on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two times on XX/XX/XXXX. The numerous and repeated telephone calls are completely against the law and I have previously spoken with them and advised that what they were doing is against the law. At this point, I want to take legal action against them for damages for continuously harassing me almost on a daily basis after they have already received communication from me and which I told him I will review the information and if payment is necessary, I will make the arrangements. I have a job which requires me to keep my phone on and these calls are interfering with my ability to work.
On XXXX XXXX, XXXX, I made a payment to Walmarts automated system because I was unable to make a payment as usual because their website was down. I also tried contact a representative to assist me because I have had problems in the past but he referred me back to the automated system. The following week I received a letter stating that my payment way no received because of an error with my account. However, Walmart had waved my XXXX payment because of Hurricane Harvey so he told me it was okay! Nonetheless, Walmart sent me another letter yesterday XXXX XXXX, XXXX stating that they closed my account and reported it on my credit report! I immediately contacted them and spoke with several agents and supervisor. They all told me that they could not reopen my account. So I called my bank to try to find out what happen. Finally, I was able to figure out what happened! The automated system and the website has two different account numbers. The automated system has an account number that was closed three years ago! In the past, I had a problem with this situation and Walmart was suppose clear out all the old accounts but never did! I told them what happened and they still refuse to reopen my account! This is unfair credit practices! Please help!
Navient called my workplace and one of my supervisors answered the phone, speaking with them briefly. He asked them not to call me at work and informed me that the " student loan people are looking for you again. '' A year ago or so, after I had instructed them to never contact me at work, but only my cell phone, Navient assured me that they had deleted the work number from their system and noted that I was to never be contacted at work. On my break, I called Navient, and the representative I spoke with confirmed the note that I was to never be contacted at work and that the number was flagged for deletion but that it had never been deleted from their system and she had to seek help from a supervisor to remove it. 

Navient has been sending multiple bills, both for old closed loans that had been reconsolidated with the Department of Education, and the newly consolidated loan with amounts and due dates that differ, making it appear that I owed not {$150000.00} but rather {$310000.00}. The representative confirmed that it still appeared that all the loans were active, but told me to disregard some of the statements I 've been receiving, and by the end of the call said that my account had been corrected.
I am reporting wrong information on my credit report XXXX XXXX XXXX was delete from my XXXX XXXX account And still showing on my equifax account
Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well.