WillisBack/dataset-financial-user-claim huggingface dataset:
We have verbally and in writing asked Harley Davidson Credit Services to NOT call me at my employment. They still continue and now have a third party call and state they are an investigator looking for me. I have written proof asking them to stop and have the screen shots of the work phone and messages from my employer telling me all the things that are said and asking for me to get them to stop because it is upsetting to the staff. I work at non profit church.
Afni collections is trying to collect XXXX from me after XXXX has determined that the initial amt owed has been resolved
I received a PreApproval offer from Bank of America to get a cash rewards Credit Card with them. I hesitated and later decided to accept it. I accepted the off only because I was told by them that I was PreApproved, I was then denied. I am okay with not getting the card but now I am stuck with an inquiry that 's not attached to an account. I called today asking for a letter to have it removed because I felt that it was unfair to say I was preapproved and then deny me and leave me with this hard pull. I told the XXXX different agents that I spoke with that I was not upset but only wanted to have the inquiry removed. The first agent was nice and respectful but stated she could not have it removed by law and transferred me to a very rude and disrespectful agent. I feel that this is very unfair and unprofessional.
I tried to purchase tickets for a concert on XX/XX/2018 for {$280.00} from XXXX. I waited until XXXX and never received the tickets by mail or on my phone. I cancelled that purchase and asked for a refund on my credit card. I repurchased tickets again in XXXX for {$410.00} that purchase DID go through. XXXX has stated the email for first purchase was wrong, but will not refund my {$280.00} due to their policy. I feel I should not have to pay for anything I did not receive. My credit card company stated they have not received a credit ticket from XXXX so will not remove the charge from my card.
My loan was serviced by XXXX XXXX. XXXX XXXX in turn merged / sold itself to Navient. 

I have detailed communications showing that agents at XXXX XXXX and Navient promised to adjust my accounts to XXXX balance when under {$50.00}, and was informed of such through various account documents forwarded to me. I requested such on a recent account that fell below {$50.00}, and Navient agents promised me they would do so. Then they did not. More agents promised me they would do so. They did not. I am now in receipt of correspondence from Navient telling me that, despite communications to me historically, they had not in fact adjusted to XXXX the balances they had claimed they do. Navient is either misrepresenting the history of my account 's treatment, or lied to me about what they would do. Navient claims that they " ca n't '' adjust when DOE owns the loans, but in the same email, wrote me that they had adjusted at least XXXX of my accounts to XXXX when the balances were below {$1.00} ( the previous lies being when they were below {$50.00} ). I have copies of such correspondence to share with DOE personnel. 

This kind of constant back and forth with Navient is characteristic of their firm. They are unaccountable, monolithic and deceitful. They should be punished and disenfranchised of their servicing contracts. I pay thousands each month dutifully and expect the practice of adjustments I became accustomed to with XXXX XXXX and was promised would occur and had occurred with Navient to continue. Navient agents are either completely incompetent, or utterly deceitful. 

Respectfully, XXXX XXXX XXXX XXXX
On XX/XX/2016 I sent a notorized letter by certified mail # XXXX to XXXX, Bank of America,XXXX XXXX XXXX XXXX NC XXXX stating I wanted my Bank of America Credit Card account and the credit I have refunded. It was delivered on XX/XX/2016 Several times I was contacted by BOA about closing the account and getting a refund. I answered all the questions, but BOA has failed to close the account or refund my money.
The current loan with Freedom Mortgage corporation was acquired from another mortgage company a couple of months ago. My mortgage payment is due by the first of each month, grace period until XXXX. I use the Autopay of my bank on XXXX of each month. I checked with my bank and was told that my bank usually mail out checks a few days ahead. Freedom Mortgage deposited the checks on XX/XX/XXXX and XX/XX/XXXX. I received the late payment charge for XXXX and again on XXXX. I called Freedom Mortgage several occasions for the problem. They always blamed the USPS not very reliable, which may not be true. Finally one person from Freedom Mortgage admitted that their system was down so that they could not process payments on time. They reluctantly waived my late charges and warned me that they would not waive any more. The mortgage company put unnecessary burdens and blame on a borrower for a problem of their own.
Some or all of my personal data may have been leaked with the Equifax hack. I found out about the hack through the new and went to the website Equifax set up that checks to see if my data was stolen. I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' My information may now be public, leaving me vulnerable to identity theft.
We had been in constant communication with Bank of America through our account Manager XXXX, who was working on A loan modification with us. As of XX/XX/XXXX we had made a house payment so we would keep only 5 months behind and the arrears amount would not get any bigger. Bank of America accepted our payment and told us we were coded to make payments. On XX/XX/XXXX our circumstance changed and we were not needing the loan modification, and talked to XXXX on this day to inform her would like to bring balance current as well as current month. She sent me to the payment area of Bank of America where they gave me wiring instruction for XXXX XXXX XXXX XXXX to wire to Bank of America in the amount of XXXX. I set that up that morning at XXXX.. At XXXX was notified by XXXX XXXX that the wire was not accepted wrong beneficiary, I call bank of America, they went over the wire instructions and also informed me I had to pay XXXX.. So I called XXXX XXXX XXXX XXXX set up the wire again for the new amount of XXXX which is what my loan modification paper said plus a fee fromXX/XX/XXXX and XX/XX/XXXX house payment. Bank of America received the funds on XX/XX/XXXX and are sitting on it. On XX/XX/XXXX I received a letter from a attorney and called there office and was told that they received our information on XX/XX/XXXX and  advised that I had brought this current and was told that would have to talk to Bank of America, and they will advise our office.When I called B of A, they said that I needed to now pay the attorney fees, I am disputing this because, I paid this and was not told that my account was going to attorneys when I made my payment and was told what I needed to pay which I did. I supplied documents that show what I owed at of XX/XX/XXXX, as well as balance with the forebearance plan, the wire coming out of my account. In XX/XX/XXXX we could not do the forebearance because of the payment was more then we could afford because they used my large deposits which were from my 401kand stockes in XX/XX/XXXX and XX/XX/XXXX to keep my mtg current, but they counted it as income. We were starting a new modification plan which I had till XX/XX/XXXX to submit the documents, but ended up being able to bring mtg current on XX/XX/XXXX.
Key2 Recovery, of XXXX XXXX, OH made several phone calls to our home phone, trying to collect on an alleged debt of our youngestDaughter, XXXX XXXX, who has not lived with us for several years. We told Key2 these facts, and that the alleged debt was not that of my wife or myself, and that we had not guaranteed anything for XXXX, and hadn't co-signed, etc.We told Key2 to stop calling us. ( We also had not received anything written from Key 2 before or after these harassing phone calls. ) Key2 said they would stop.

On XX/XX/XXXX, Key2 began to call us again, using cellphone numbers, and also began to call our oldest Daughter XXXX on her cellphone as well. XXXX also does not live with us. Key obtained these cellphone numbers of our Family in an illegal process called 'skip-tracing '' ; which violates consumer protection laws as well as privacy laws. The cellphone calls may also violate the TCPA.

Key2 has also called friends of XXXX  on this alleged debt, and seems to have contacted her employer. This adds to the illegal business practices of Key2, and would seem to violated Title 5 of the Federal Trade Act ; as this is an Unfair and Deceptive and Abusive act by Key2.,
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
On XXXX/XXXX/XXXX, debt collector accessed my credit without my permission and claimed reason was for real estate application. I never submitted a request for credit application with debt collector. I made contact with company used to access credit and was referred to their Compliance Dept. on XXXX/XXXX/XXXX. Then was told that inquiry could be removed but only if I sent them a copy of my Driver 's License and social security card or a XXXX that shows my social security number. 

Company : XXXX/Partners for Payment Relief XXXX : XXXX XXXX XXXX Person whom I spoke with at XXXX is XXXX XXXX XXXX ) XXXX In XXXX XXXX debt collector filed a Notice of Default with County Recorders Office, to foreclose on property. I would like the inquiry to be removed from my credit. The Notice of Default was proper procedure for this type of debt collection, not an unlawful/deceptive access into my credit for any reason not authorized. 

Thank you.
Equifax states that they do not have an account for me, when they do, I am attaching reporting from XXXX XXXX, from Equifax. Equifax sent me a letter asking for copies of my social security card and driver 's license. 

Equifax had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

XXXX XXXX claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as XXXX  retail card services. I have attached their XXXX  page as proof.
At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX and XXXX  removed the items immediately and Equifax stated that the items are under investigation and has done nothing. 30 days have passed and I sent my second request to Equifax and 30 days have passed again and Equifax has again done nothing which is why I decided to come here for help, please help me.
I have sent two Debt Validation letters ( XX/XX/2018, XX/XX/2018, ) to Cavalry Portfolio Services requesting proof that I owe Them money for an alleged debt. I asked them to provide me with any paperwork with my signature to prove that I agreed to pay Cavalry Portfolio Services for this alleged debt. Cavalry Portfolio Services has failed to provide me with any proof that I owe Cavalry Portfolio Services any money or that I have signed any paperwork agreeing to pay them any money.

I also asked Cavalry Portfolio Services to stop reporting negative information to the three ( 3 ) major reporting bureau 's ( XXXX, XXXX or XXXX ) until they provide me with proof that I owe Cavalry Portfolio any money. They have failed to stop reporting invalidated information the three ( 3 ) major reporting bureau 's.
I leased a car with  Toyota Finacial Services.  I turned the car in   XXXX   XXXX  . I received a final bill for a lease turn in fee for  XXXX . I paid the  Bill  on  XX/XX/XXXX  for the amount of  XXXX . I heard nothing fromToyota until   XXXX   XXXX   XXXX  , when I received a collection Letter from   XXXX   XXXX   XXXX   XXXX  . I contacted Toyota and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  Toyota ret urned payment on   XXXX   XXXX   XXXX  . I sent another  Electronic payment to Toyota  on  XX/XX/XXXX . I called  Toyota to  verify payment where they forwarded me to  XXXX   XXXX   XXXX  on  XX/XX/XXXX .  XXXX   XXXX   XXXX  tried to Verify Payment with  Toyota Financial Services  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  4th pa ge shows the electronic payment made to  Toyota on    XX/XX/XXXX . The second file is a message from  XXXX  that sho ws Toyota sent  back payment. The third file is the payment made once again t o Toyota Finacial Services  on  XX/XX/XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  XXXX   XXXX   XXXX  by certified mail.
Good afternoon, I do n't know where else to turn in regards to getting my issue resolved. Dealing with their customer service reps has been a real nightmare. It seems like everyone we have dealt with has an attitude or loves hanging up on people. I have worked in customer service for almost XXXX years and I am appalled by their customer service rep 's actions. It is no wonder there are so many complaints about your company online. 

Myself and the borrower on the loan, XXXX XXXX, went through a separation and finally a divorce in XX/XX/XXXX. During that time per the divorce decree, the borrower, XXXX XXXX, was to pay off the loan or refinance in order to get my name removed. This never occurred and he defaulted on the loan. A judgment was placed in my name because of his action- XXXX. 

A couple of years went by and I pulled my credit report which reflected the judgment that was placed. I understand I am still liable for this debt since my name was still on the loan. On XX/XX/XXXX I made a call to XXXX and spoke with a XXXX ( SP ) employee number XXXX. She said we have the option of paying {$1300.00} in order to settle the debt and to remove the judgment out of my name. 
She also stated that in XXXX days the judgment would be lifted and my credit report would be updated to reflect this change. 

I passed this information on to my ex-husband and informed him to contact the number above to pay {$1300.00} in order to get this settled. 

XXXX made the call and made a payment over the phone for {$1300.00}, which cleared his account in XXXX/XXXXOnce it cleared, he constantly called to get a letter stating the debt has been settled in order to get the judgment removed. The rep he was in contact with, never provided this information. 

I thought this was all handled and the judgment was removed out of my name. Fast forward to XXXX this is still showing on my credit report. I called the number again and was told the judgment was still in my name. The rep states she saw a large payment was made, but does n't know why. I explained to her the history above and told me to have XXXX call. 

XXXX called the following days to figure out what was going on. They informed him that the judgment was never settled and its still outstanding. He again explained to the reps the history above. They informed him there was no proof in their system that payment was to settle the debt. Since that amount, {$1300.00}, was made over the phone and there is no letter from collections or your attorneys. They stated they had no proof of that amount, {$1300.00}, was to settle the debt and judgment. 

All I am asking is for someone to look into this issue. Please pull phone calls, look at notes, etc. This has been settled and has been holding up my move.
Transunion applied a fraud alert on all of my credit files that i did not request. This has caused me to be denied for a credit card that i applied for. I did not request this i did not ask Transunion to add an alert to my files. I want this and the request from the other files to be removed immediatley.
RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # XXXX
I received a letter from J & L TeamworksXXXX CA dated XXXX XXXX, 2016 indicating I owed {$20.00} to XXXX XXXX. I responded, in writing on XXXX XXXX, indicating there was no balance due, and if they had documentation indicating otherwise, please provide to me. 
They responded on XXXX XXXX with an attached document that did not come from XXXX XXXX, did not have XXXX letterhead, or anything indicating it came from XXXX. I responded, in writing on XXXX XXXX, again asking for legitimate proof of this debt. Additionally, I have the bank records showing the co-payment of {$40.00} was made on the day in question. 
XXXX XXXX, 2016 I received a new letter from J & L, which was a copy of the first letter, indicating to me that they were starting over from the beginning of the process, ignoring my writing rebuttals. I am led to believe this is some sort of scam, perhaps.
My husband and I have been Citibank customers for over 40 years. Over the years he has had a checking account where I have been a signer. About 5 years ago we completed paperwork ( which I do not have ) to turn this into a joint account. I have always had banking access to this account on and off line. 
My husband died on XX/XX/2018. I am his estate executor.I went to the bank branch on XXXX XXXX XXXX in XXXX with his death certificate to straighten out the account and report his death in XX/XX/XXXX. 
The bank stated that ( " according to their computer '' records ) not only did I not have any authority but I was not noted as a signer. I asked for the account paperwork and this was was something they could not/would not entertain. 
Unknown to me, the account then was closed down so that I no longer had access. 
All my financial statements, bill payment information and check copies and year end summaries for 2018 and prior were inaccessible. In other words my entire financial life was " erased '' could not be used. 
For estate settlement purposes, taxes and general record keeping this is an untenable position and creates a significant hardship in recreating valuable information. 

I contacted Citi 's phone customer service at least 6 times between XX/XX/XXXX and this writing requesting bank statements, bill payment information ( both payees, and histories which they said they could migrate to my account-this didn't happen ). I did get emailed bank statements for 2018. That is not enough. They said they could not restore access and have failed to provide me with the needed info. This practice is highly detrimental, and clearly the information imputed into the computer about this account is inaccurate. 
I would like to regain full access to this account so I can handle my financial life and husbands death. A closed account that is inaccessible like this is unexcusable in this type of situation. 
thank you
The Credit bureau name Transunion violating of FCRA  part (  A )  ( 5 )  ( B ) this item was deleted from my credit file in  XXXX   XXXX ,   XXXX    TU r eport number  XXXX , my dispute was in  XXXX    XXXX  . Transunion reinsert this removed item from my credit report without notifying me in writing withi n five  business days. which carries a fine of {$1000.00} Also The creditor respond to credit bureau after 30 days which violating FCRA sectio n 611 part ( A ) ( 1 ) whic h carries a fine of {$1000.00} I have a copy of my update credit report showing deleted from transunion.     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  #  XXXX   XXXX , GA  XXXX  phone (  XXXX  )  XXXX  Account #  XXXX  results -- -- -Deleted
Dear CFPB. I am really disappointed with the result of the recent inquiry/problem with the citi card reporting me to the credit bureau. I did speak with their representative XXXX XXXX XXXX. She insists that, after requesting paper statement, later on I REQUESTED PAPERLESS STATEMENT. THIS IS A LIE! As well as she said that they sent me a text messages! Another lie! From XX/XX/XXXX to XX/XX/XXXX I did not pay bill, because I WAS EXPECTING BANK STATEMENT. Which never came! I just had XXXX (! ) being charged there, so, I forgot. At that time I was distracted as well. I had very serious personal problem. So unfortunately, I forgot to DOUBLE CHECK my statement online. Which I admit I should have! That is why I am BEGGING YOU, please do n't let them get away with the lie! She said they called me MULTIPLE TIMES! Maybe! But never left a message!!! IT WAS UNKNOWN to me number so, I did not pick it up! When I finally picked up and found out what was it all about, I PAID THE BILL IMMEDIATELY!!!! PLEASE! We, consumers are at the mercy of this financial institutions who time and time again love to rip us off at every opportunity there is!!!! I do not consider this as a fair solution. I have also mortgage with the citi bank. As soon as I pay my mortgage off ( which will be in XX/XX/XXXX ) I am closing my business with them!!! Very unfriendly!!! Unfair institution!!!!
Hi my name is XXXX XXXX SS XXXX loan # XXXX I apply for loan modification last year bacause Im passing a hard economic problems and with me son going to university and the extra experience I was forse to ask for help On XX/XX/XXXX my mortgage company direct help me with the modification and quality In XX/XX/XXXX I started my 3 months of prove and on XX/XX/XXXX I finally got my modification paper to finish all the process. On XX/XX/XXXX I notarized all papers and send them back to them but they called me to said they dont have the paperwork They resent me another set of papers to notarized again which I did and send them back again Now I get a letter saying that my modification was canceled because they did not receive the paperwork. 
I talked to the supervisor on duty and she said that I have to re aplay again And because I dont have proven of being send the paperwork now is canceled I want to safe my house Im been pay it for XXXX I did all I was told to do and only because they said they dont have my paperwork Im loosing all I need you help and I hope you can help me My cellphone is XXXX XXXX