WillisBack/dataset-financial-user-claim huggingface dataset:
CLOBAL ONE ISCALLING MY CO-WORKERS AS WELL LEAVING NOTES TO THEM HARRASSING ME AM TRYING NOT EXPLODE ON THEM ON MY JOB. USING DIFFERENT NUMBERS EVEN GOING TO MY MOTHER 'S HOUSE WHEN I THEM TOLD THEM I DO N'T STAY THERE. THEY BEEN CALLING ME FROM XXXX,XXXX,XXXX XXXX AND XXXX. THE XXXX NUMBER SHOULD BE THEY MAIN NUMBER. I WISH I COULD SUE THEM FOR HARRASSING ME ON MY JOB CALLING ME XXXX TIMES.
on XXXX XXXX I made a complaint claim num XXXX which Equifax responded that they would removed XXXX XXXX XXXX from my file which they have not done so. please remove immediately. attached is their response
I have been working with Experian regarding a bankruptcy being reported on my credit report. I have requested how the information has been verified. This dispute was originally submitted in XX/XX/XXXX. I have spoken with multiple reps who have informed me that the information is verified via XXXX XXXX. I communicated with XXXX XXXX as recent as XX/XX/XXXX and they have confirmed they have not verified any information regarding a bankruptcy. I have also contacted the US Bankruptcy courts and they have explained they have not verified a bankruptcy under my name.
In XX/XX/XXXX I was visiting relatives in South Carolina. During that time I bought a new Nissan at a local dealership and financed it through Nissan Motor Acceptance Corporation ( NMAC ). After returning to my home state of Kentucky I paid off the loan on XX/XX/XXXX. In order to remove a vehicle lien, Kentucky requires Form XXXX to be completed by the lender and returned to the local county clerks office. NMAC refuses to do this. Several phone calls with NMAC has not resolved the situation even though their representatives have assured me each time the appropriate paperwork has been submitted. The last call I requested a copy of the paperwork also be sent to me. This document was received on XX/XX/XXXX and it revealed a simple document titled " Lien Release '' on Nissan letterhead, not the required state form. Another call to their representatives on XX/XX/XXXX revealed they were unaware of the existence of the state form even though I made it clear in previous calls it would have to be submitted.
I have been trying to refinance my XXXX Mortgage, this was an interest only loan from XX/XX/XXXX that went to a 6 month ARM. the value is finaly such that I have enough equity to refinance. The process was started on XX/XX/XXXX. I also have a XXXX mortgage that must be subordinated through Select Portfolio Services. All requested documents were sent by me within days of request. both companies have dropped the ball on loan processing. the XXXX lien holder took XXXX ; 30 days to complete the subordination agreement. When it was sent back to them for signature, they said it did not match the good faith. When it was corrected and sent back for signature, the signature line was incorrect!!! Now for the XXXX time the subordination agreement is with them to be completed and they are still dragging their feet. this was to refi my ARM to a fixed rate loan lowering my payment by over a {$1000.00} per month. To get either company moving I keep escalating my complaints but they both are so incompetent. They are happy to take my payment on time each month for the last 10 years of course when I refinance, they will make less money. Not sure if there is anything you can do about this issue.
On XXXX/XXXX/XXXX I received a XXXX form from Portfolio Recovery Associates LLC for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at Portfolio Recovery on XXXX/XXXX/XXXX at XXXX central time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number ( XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( XXXX XXXX ) and spoke to a XXXX XXXX at XXXX Central time until XXXX central time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX , La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over XXXX years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX ( XXXX ) but it is no longer for a collection company. So my husband called Portfolio Recovery back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was XXXX years old at the time they brought the account in XXXX since the account was closed by XXXX in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over XXXX years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, IRS and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the IRS and mailed it to us.
TransUnion 's had a computer glitch problem that happened twice. That was not my fault or my problem. So it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. Those inquiries being added back on has made it impossible for me to even be looked at for getting a loan to consolidate my debt. my rights were violated by TransUnion. Will CFPB help me make TransUnion stop victimizing me.
I was sent some money and. For whatever reason they sent a email saying they were going to close down my account due to suspicion but they was not closing it under any penalties or nothing bad against my account and they were going to transfer my money to an account that I had connected to my Capital One account or send it in a check within 10 to 12 days and I havent done either one nor did they shut down my account why I have an eight yet received my money and when will they be shut down the account
Ive received my XXXX communication from Credence Resource Management LLC for an XXXX debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the hospital and ambulance company and found out the person they transported was at a XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up in an ambulance, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives in XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage as Im a State of California Finance Officer. I want this company to remove my miaden name and address from their files and stop trying to collect from me.
Essentially I have over {$5000.00} dollars in a paypal account. I have been selling XXXX as well as buying XXXX for several months. Suddenly, after receiving a larger payment from a well known XXXX, my paypal account was suddenly limited. The language as to why was not clear, just that they wanted me to explain where money was coming from and that they suspected fraud. Once I had told them of my business and even to look at see what I have sold on eBay, they immediately gave me a permanent limitation with no explanation as to why. I was never allowed even to appeal nor to dispute based on the vague language given. Subsequently, another paypal account I had also have had for many years was also suddenly limited, for being " related " to that account. In totally paypal is holding approximately {$8000.00} USD of my money. There seems to be nothing I Can do.
I was paying a XXXX installment loan ON TIME when they suddenly said the account was defaulted and sold it to a collection agency who then took legal action and threatened a judgment on my credit report. I am now going to pay off the debt in a lump sum to avoid having my credit wrecked with a judgment.
Wells Fargo has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXX and i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im XXXX with XXXX   and hoping i can move in my own place in my own name for once
I was enrolled in a film program at the for-profit XXXX XXXX XXXX California - XXXX XXXX. Before I could finish the program and earn a XXXX XXXX, I moved from XXXX XXXX to XXXX, and was assured that I could transfer to the XXXX XXXX campus of the school and finish out the program. However, once I arrived, I was told that my loan program had been cancelled. I had to apply all over again. My co-signer was denied, as was a second co-signer. I was told that because of the loans I had already accrued - for a program that I had not yet completed - I could not take out any more loans ... this despite the fact that those loans were not yet in a repayment period. 

Thus, for years following the cancellation of that loan program, I took whatever job I could find, and wound up making less than {$27000.00} per year working full time at a XXXX XXXX  company. I could barely pay my rent, much less put anything toward repayment. Without a degree, finding any other kind of higher paying job or starting a new career was essentially hopeless. 

That school 's parent company XXXX has since been sued by the federal government for predatory recruitment practices and as of XXXX has lost all accreditation. I can not use the units I earned there toward a degree at a state school, and am ineligible for financial aid of any kind because of these debts. 

First XXXX held the debts. Then the debt was evidently sold to XXXX, XXXX XXXX XXXX XXXX Now, these are held by GC Services Limited Partnership . 
XXXX, XXXX XXXX XXXX XXXX previously offered to settle for the amount of {$62000.00}. This was contingent upon receiving that amount by XX/XX/XXXX - which was absurd, since that is more than I make in one year. 

I have reached out to work out a payment plan based on my projected income, but they have not been willing to settle this via letter. I want everything on paper.
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXXXXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXXMiscellaneous XXXX XXXX Inquiry fromXX/XX/XXXXTelephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilitie s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
I attended XXXX XXXX in XXXX, NY in XXXX. I went for less than a year. I was told that my credits could be transferred after I received an XXXX degree. When I found out that I was lied to and I could NOT transfer my credits, I left the school. XXXX XXXX took another loan out in my name after I left. When I spoke to an administrator about this they literally admitted what they " accidently '' did and said they would return the loan. They never did that. I was n't even in school for a year and I have {$22000.00} of debt from Navient. The school lied to me when registering about being able to transfer my credits and they lied about me taking out another loan. This school is closed so I ca n't even get any information from them.
I leased a car from drive time in XXXX of 2014, and I never missed a payment. I have it automatically taken out of my checking acct. We 'll on XXXX XXXX they only taken XXXX dollars out when they should have taken XXXX ... They stated that since my acct was old that they system kicks the acct number out ... I then called them backed and gave them my cc number and my debit card number when I spoke to an rep he stated that it did n't go through, but that 's a lie because money was on XXXX. They repo my car and now I 'm paying over XXXX dollars extra which to me not right they should make for the towing as it was there mistake.
On XX/XX/2018 I send a letter to the credit agency to remove the bankruptcy chapter XXXX from my credit report. I got a letter from the is bankruptcy court stating that they did not report any information the XXXX credit agencies I forwarded it to the credit agencies. I have gotten letters back stating that it will not be taken off my report.
On XX/XX/2018 I sent out a dispute letter to TransUnion to validity and accuracy of your recent investigation of the bankruptcy that is reporting on my credit report. I ask them explain to me how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called transUnion XX/XX/2018 asking them to how they validate this account. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.
I opened a CitiBank card at The Home Depot to buy a lawnmower. After about a month I realized that I had not yet received a statement in the mail, so I went online to get my payment information. To my dismay I found that the payment was due just three days before I went online and a {$27.00} " late payment fee '' had been added to my balance.. 
Two days later ( 5 days after my " payment due '' date ) I received a call from XXXX noting my " past due '' amount and requesting immediate payment. I explained that I had just found out that my payment was a few days past due, and that -- since I had already incurred the {$27.00} late fee for the month -- I would pay the total amount in the next 27 days and bring my account balance down to zero. 
Since that date ( XX/XX/18 ) the company has been calling me EVERY DAY, mostly no one on the other end of the line ( hang-up calls )! They are now calling three and four times each day, sometimes more, with no one on the other end of the line. 
The calls start promptly at XXXX XXXX. Problem is that we are on swing shift and do not get up until XXXX XXXX. or later. I think this is harassment. 
P.S. The late payment fee was supposed to be {$25.00}, not {$27.00}.
Item in dispute is an entry on TransUnion credit report. A Federal Tax Lien was filed in XX/XX/XXXX based on tax years XXXX, well beyond the legal limitation window of three years. TU confirms only that it is on file in XXXX XXXX, California ; and they intend to keep it posted on my credit report until XX/XX/XXXX. It is based on tax years beyond ten years history now. I am respectfully requesting that this be removed from my file. I hope you can help me with this. Thank you for your look into it. Court document attached.
I owe {$97000.00} on my Mortgage which was held by XXXX XXXX   XXXX XXXX  which was send to XXXX XXXX XXXX. And now is held by Selene Finance in XXXX, Texas. I requested a loss mitigation packet through Selene Finance which has fallen on death ears. I sent my XX/XX/2018 payment to XXXX XXXX XXXX under a loss mitigation agreement which passed along to Selene Finance which were return to me around XX/XX/2018. I wishing to maintain this property and am trying to pay my payments.
I was looking for a Mortgage in XXXX of last year. I contacted quicken loans. They pulled my credit and told me at that point that I need to sell my old home to get another mortgage. At that point I was not interested in the loan. I got calls repeatedly and I informed them I am not interested in the loan. They pulled my credit again in XXXX of 2014 without my permission. When I called Quicken loans, I was lied to and said, oh this is a soft pull and does not effect your credit. 

I contacted Quicken to get this inquiry pulled. The refuse to remove it stating that I signed a document stating that they can pull my credit whenever they want. I told them that I am no longer interested in the loan and they should not have pulled my credit without asking me.
" Transunion '' , ( along with  XXXX  &amp;   XXXX   ) has b een reporting completely FALSE information about me for months now. I have tirelessly paid off my credit card bills by at least 85 %, and they still have me at an ENORMOUSLY HIGH level of credit card use. This is SEVERELY HURTING me, as I have been trying to trade in my car, and should be AT LEAST  XXXX  pints higher on my Transunion  Credit Rating.   They have a plethora of misinformation from my company being called  XXXX   XXXX   (  which Ive never even heard of ) to OLD ACCOUNTS that were  discharged  in bankruptcy YEARS ago and are suddenly popping up NOW. I have spoken to their RIDICULOUS and RUDE OUTSOURCED operators. I have sent them letters. And NOW I have spoken to the most powerful CLASS ACTION attorney in the country who agrees with me 1000 % on Transunion 's UNFAIR and ILLEGAL business practices, as they are doing the SAME THING to   XXXX   XXXX   of THOUSANDS of people. They transgress FAIR CREDIT REPORTING LAWS, AUDACITY LAWS, and a plethora of other LAWS ... THEY NEED TO BE PUBLICALLY called out on their unfair consumer practices and I believe they should be SHUT DOWN in entirety.     I sent the " Above '' complaint to the BBB ....   After ALL of that, Transunion NOW has created a NEW ALERT that I have NEW EMPLOYMENT with  XXXX   XXXX !!!! Was it NOT CLEAR that I have NEVER HEARD OF  XXXX   XXXX ?????   They are SO OFF and SO DAMAGING ...   I can not believe that they are allowed to RUIN my life in this way ... ..   EVERY CREDIT CARD is paid off.
I received Wells Fargo Credit Card without my consent/request couple of years ago. I have taken this complaint to wells fargo bank location in Maryalnd, but they did not accept the complaint, and I ended up having the card. Now until recently when I read about Wells Fargo fraud complaint I realized that this is about the same incident happened with me and I should report this.
In XXXX my father passed away and left the house that he had a mortgage on to me in his will that went through legal probate and the house was transferred to me through the courts. My husband and I never re-financed the loan into our names for we were not informed to do so it was my thought the mortgage would be legally put into our names by XXXX who at the time has the servicing of the loan. They informed us that we could do a loan modification and then after a few months told us that was not possible because we were not on the loan, then they suggested assuming the loan and again after a few months told us the at loan was not assumable. The Truth-In- Lending only states not assumable by a buyer, we were not buyers but legal heirs by law. Then my husband and I filed Ch XXXX Bankruptcy to avoid foreclosure by XXXX. Then it was sold to Select Portfolio Servicing , Inc, and we have dealing with them now for 2 years and getting the same run around. We hired a company to help us with reconstructing the loan into our names at a lower interest rate so that we could start making payments. We were not making payments for the mortgage was under a deceased persons SS # and we would not get the interest tax break. It was not for a lack of trying to get this loan into our names. Now SPS has set a foreclosure date for XXXX/XXXX/XXXX and will not postpone even though we received a letter on the XXXX or XXXX of XXXX telling us they have receive our inquiry and would be contact with us within 20 days of receiving the information which would be the XXXX/XXXX/XXXX. After speaking with a manager of SPS along with an analyst of the company we hired to help us with this we were told the sale was going forward on the XXXX and that the letter we received is a computer generated letter that is printed whenever data is entered into the computer that new documentation has been received. This is a deceptive practice on the part of the loan servicing bank and should be illegal. This gives the people facing foreclosure false and misleading hope. Even the XXXX the analyst with the company that we hired agreed. Our house is still for foreclosure on XXXX/XXXX/XXXX and SPS had the power to stop it to look over the documents and did not do so. This is wrong.