WillisBack/dataset-financial-user-claim huggingface dataset:
My husband, died in XX/XX/XXXX. He had some of his retirement savings in a CD with Capital One 360, I contacted them in XX/XX/XXXX and asked to have the account closed and the money sent to me. I included Death Certificate, Letter of Administration from State of Maryland and a letter of Instruction from me asking to have the money sent to my home address. 

I have contracted them at least 10 times ... Always a Representative says you should have the money in 10 days, or it's " under review ''. It is now XX/XX/XXXX ... .I don't know what to do ... .I need help
On XXXX XXXX I learned from a press release from Equifax that my personal information had been stolen. This includes my name, date of birth, social security number and potentially my credit card numbers. This breach occurred due to Equifax storing my information in a insecure fashion. Per Equifax this breach occurred XXXX through XXXX XXXX.
Conns has continued to call me during work at a minimum of 14x a day from XXXX different numbers. I have told them that I will pay them next week but they continue to disrupt my work and upset me with their harassing calls. They need to review their practices and collections strategies. I have already gave them a time and date that I will pay my bill. I will NEVER AGAIN do business with these vultures.
My student loan creditor, Ed Financial/XXXX is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). <P/>The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. <P/>Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. <P/>( 2 accounts ) : Loans placed in forbearance on XXXX 2010 and retroactively backdated to cover past due months of XXXX 2010 - XXXX 2010.
I should qualify for the Public Service Loan Forgiveness program but I do not because Navient ( then XXXX ) only gave me the option of consolidating my loan as a FFELP consolidation, which does not qualify for the PSLF program. That was in 2008. Two years later, I contacted XXXX to inquire about re-consolidating my loans and was told that re-consolidation was not possible. Apparently, that was false since I could have consolidated under Direct Consolidation, which would have qualified me for the PSLF program. After reading articles in the XXXX and stories by other borrowers posted on the CFPB website, I now suspect that Navient coerced borrowers into consolidations that they knew did not qualify for loan forgiveness programs as a way of extending the life of their loan portfolio and continuing to collect interest on those loans beyond the 120 payments required for the PSLF program. I ask that CFPB investigate whether Navient did this, and if so that CFPB add this complaint to their recently filed lawsuit against Navient.
Was approved for a Federal Student Loan with XXXX University. I changed schools and consolidated the loan with XXXX XXXX. School did not appropriately clear information from database and sent my name and address to Conserv. Agent at Conserv XXXX XXXX kept calling send me threatening messages, it has become a nightmare, she calls from different numbers and threatens me on a daily basis.
I opened a chase british airways credit card. The offer terms stated that I would receive XXXX Points if I spent {$3000.00} on my card within 3 months of opening my card. I have done this. My statement showed that I would receive the british airways points. ( see attached ) However the points did not show into my British airways account. When I contacted chase about this they told me that my British Airways account had to be registered in the USA for  me to receive the points, and that I should change the address on my british airways account to a US address. I have done this over two weeks ago, I called chase and they said they will have the points transferred within a few days however I am waiting over 2 weeks.
In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In  general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP TXXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.
I had an account go to collections due to my husband being laid off work. I worked it out with Portfolio Recovery Assistance that if we paid our debt then the collection would be removed from our credit report. We paid our debt and this report is still marked on my credit report. It is still negatively affecting me after it was negotiated it would n't after the debt was paid.
On XX/XX/2018 I mailed XXXX a certified letter requesting " debt validation, '' and send me everything they ( Transunion ) have on file to validate these collections. Transition has failed to prove me with the requested documents for a XXXX XXXX account, and a XXXX account within 30 days of the date of the letter that was sent.
I submitted a request for mortgage assistance/ modification in  XXXX     2017  to  Ocwen  Mortgage Compan y . A t that time, no foreclosure date had been established. I received a letter from Ocwen requesting additional documentation within a reasonable period of time.   I submitted the documents as requested. Suprisingly, I received a deficiency notice from   XXXX   XXXX   XXXX   on    XXXX   XXXX  201   7, esta blishing a foreclosure date o f   XXXX   XXXX    2017  a t  XXXX   XXXX . To date  (   XXXX /17    ),  m y Ocwen Mortg age online account indicates I have a pending modification in consideration. Ocwen intentionally mislead me to believe I was in the process of saving my home. At the same time I received the foreclosure notice. I ca n't believe Ocwen would offer me assistance and pull the rug out from me without evaluating the documents i submitted. Ocwen is in gross violation of RESPA  1024.41 loss m itigation regulations relative to the improper establishment of a foreclosure date with a pending modification in process.
I called a number of banks simply to learn the mortgage rates offered by the institutions. A number of them ( e.g. XXXX, XXXX XXXX XXXX, XXXX ) opened up loan applications in my name and ran full credit checks without asking whether they could. I now have multiple sets of loan documents and account numbers for applications I never requested. I only wanted mortgage rates to figure out where I was going to secure my mortgage.
After telling them not to call my work, which is at a restaurant. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.
We obtained our first mortgage from Citi mortgage in XX/XX/XXXX at the start of the mortgage crisis. We pay XXXX for our home. We were fine until XX/XX/XXXX when I was laid off from my XXXX  job. Our house hold income decreased by 60 %. We were not able to keep up with any of our financial obligations. I collected unemployment from New York State. We could buy food and pay our utilities. I reached out to Citi mortgage for assistants and was not provided with any help. I applied for several modifications which did not help because we could only afford about {$500.00} per month. Our mortgage payment was {$2800.00}. Citi asked us to send documents upon documents every month. We were told that our documents had expired and that we needed to resubmit all documents. This happened 3 separate times. We were given the runaround. Citi mortgage was unable to help. In XX/XX/XXXX when attempting to reach out to Citi mortgage to try to modify the mortgage again, I was told that All bad debts were sold off and Citi was no longer servicing my mortgage. I had no idea what this meant. Three weeks later we received a Welcome packet from XXXX. at this point we owed more on our mortgage then the house was worth. The transfer caused a delay in the modification process but pre-foreclosure notices and repeated phone calls continued to be received daily. The ideas of losing our home and not having any place to live was extremely upsetting and XXXX XXXX. I became ill and was unable to look for work due to XXXX XXXX and XXXX. This added to the XXXX of finding a job. The house is currently worth XXXX and we owe more than XXXX. We filed for bankruptcy in XX/XX/XXXX and we still have a lien on the house. My health is still affected by this ordeal and I continue to take medication for XXXX and XXXX.
We have own a townhome which requires an XXXX fee each month. The XXXX XXXX XXXX XXXX ) includes my payment for my outside dwelling insurance. We have been paying {$1000.00} over our normal payment to the mortgage company ( US Bank Home Mortagage ) for the past 3 months due to them not sending proof of insurance. We have sent multiple requests via email, we 've called and been transfered only to ever get a voice mail. They did however give us the insurance companies name we contacted the issuing agent giving her all the specific information again. She sent the same wrong information again. Our mortgage company keeps telling us that we have do n't right documents on file, we ask the XXXX again to fax the documents..mortgage receives says it will take 10 day to update payment information..every time we call back and ask if it has been fixed they say they still need the same information and they sent the wrong paper work. We cant afford our payments and out credit scores have been massively effected, and they said it will be put back in escrow " IF '' it is refunded which means we will not receive it till the end of the year.
This started out as I was told that my loan was approved and upon this approval they were to put the money into my checking account, I was suspicious but I had worked with a loan place before and this was their procedure and upon normal banking process as I checked to see if it was deposited and it was so I began use my debit card and I got notice that this check did not go thru and they retrieved monies from my account. I have been desperately seeking help and any solutions to this problem because now I am unable to open any checking accounts from all banking institutions. I am in need of a checking or savings in some way due my profession because to handle the amount of cash just puts me at risk for bad things that can result into me being trastically hurt. Please help or steer me in the right direction.
Dear Sir, Equifax did not address my previous consumer financial protection bureau complaint and did not resolve the complaint, where as closed XXXX credit card and loans information missing in the credit report since XX/XX/2018. I also ran Equifax credit report dated XX/XX/2018 and I did not find closed DCU credit card and missing XXXX Auto loans in the equifax credit report , which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response. Removing closed Auto Loans/Credit cards from credit report is a fraud and unlawful. Equifax interim response to CFPB on XX/XX/2018 that they were working on my complaint and response is in progress. Equifax again responded to CFPB on XX/XX/2018 that they mailed investigation report on XX/XX/2018 (  which is Sunday, Equifax also mentioned in the CFPB 's response that Equifax does not work on Saturday and Sunday ). Also, there is no investigation report and evidence attached to the CFPB 's response and I did not receive any Equifax Investigation Report dated XX/XX/2018/Evidence over the mail. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed/missing from the credit report. Could you direct Equifax to add/update my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years. I need the complete documentation and Equifax fraudulent investigation to submit to concerned courts and Law Enforcement officers. XXXX holds the complete legal accountability and responsibility for missing Auto Loans, my Vehicle VIN number and various other information related to these XXXX loans.
My insurance company made payment to the company and they kept telling me I was lying. They also refused to listen about my insurance making payment even when I was giving them facts and proof. Then they kept hanging up on me. They also are collecting an incorrect amount. They are collecting more then allowed with the insurance agreement adjustment. They would not let me send in proof to them to show this. When i would try and talk to them they would just put the phone down and not talk to me but I could still hear them talking in the background. I could also hear them laughing when I would ask to speak to a supervisor. Multiple times they hung up on me refusing to take proof of what I actually owed as what they had was incorrect. Then they threatened me if i did n't pay they would send it to a lawyer. Since they have sent it to a lawyer and are still trying to collect with now a judgement for more money then i owe. Also during this they had XXXX other item they were trying to collect from a different thing all together, but i was never even able to resolve that or take care of the other item because they would n't even let me take care of the first XXXX. They even said to me that fine if you wo n't pay we will take you to court. They told the lawyers that I would n't work with them and that i hung up multiple times on them refusing to take care of the debt so do not offer a settlement. This is the most unacceptable behavior ever especially because I do n't owe what they are claiming!!!
Equifax allowed XXXX to make a hard inquiry without my written permission pursuant to the FCRA.
Received a call from a XXXX XXXX XXXX on XX/XX/XXXX. Zenco Firm, the first time, but it is actually Zenco Collects. Tel. number XXXX # XXXX Has website with numerous negative reports. Real collectors, supposingly will not verbally abuse someone or make threats against them. XXXX XXXX XXXX associate a XXXX XXXX phone number XXXX XXXX XXXX # XXXX case # XXXX, attorney for the State of Texas.??????
Right off XXXX XXXX threatened to compromise my social security card number in which she had along with my drivers license. She said I owed over {$17000.00} from this debt in XX/XX/XXXX. She was willing to accept {$560.00}.
Again she threatened putting a lien against my condo and car. I asked her how she got the information. She said they were debt collectors.
When she told me about my social security, I knew it was a scam. But I was upset about her knowing my ss # and license #. Since that date she and her associate continue to harrass me via phone calls but dropped the ss # They are very good ad threatening people, especially senior citizens. They have all these legal words and recording numbers .Also they would only accept payments thru XXXX card or check - no payment plan. I saved all their phone calls on my voice mail. I am anxious about their knowing my home address.
Check out their website. zencocollects.com I need this stopped ...
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This is an associated complaint with IFS and XXXX XXXX XXXX XXXX XXXX. IFS brokered this loan. 


I applied for a loan with Innovative funding services to attempt to get a lower auto loan rate. I believed IFS was a direct lender they are not. My loan was placed with XXXX XXXX XXXX XXXX XXXX and that is where the issues began. I was charged {$400.00} to obtain this auto refinance. XXXX XXXX XXXX XXXX XXXX will not allow external accounts to be added to their web site. You have to pay by debit card and there is a {$15.00} fee, furthermore when I attempted to refinance out of this auto loan they ( XXXX ) took a {$2500.00} payment from me with my permission and I was charged XXXX by my other bank. They did not inform me this would be considered an OTC cash advance. This credit union is a very deceptive institution and should not be allowed to stain the XXXX XXXX name. Being a XXXX XXXX veteran myself I have watched these institutions prey on XXXX XXXX and veterans for many years. This credit union never offered GAP coverage or a warranty. Their APR is almost % 10 which is ludicrous. They need to disclose their fees and the fact you can not add an external account making a payment difficult. I am still awaiting my title from this institution as well and they say that IFS is handling that. When contacted IFS states they took care of it. XXXX XXXX XXXX XXXX XXXX and IFS should not be allowed to take advantage of consumers in this way. IFS does not accept direct payments so to get out from under this nightmare I refinanced again.
My collections agencies refuse to send paperwork nor negotiate anything with me. I started to pay my debt just recently they refuse to make my credit report in good standing. I have n't received any mail about this debt either. The account balance is wrong also.
I believe that I am the victim of a scam or at the very least my rights pertaining to a past due debt. I reached out to Credit Bureau  Systems  on  XXXX / XXXX /  XXXX  . I was trying to make payment on a  XXXX -old   XXXX   XXXX   with  XXXX   XXXX   XXXX  that totaled {$1000.00}. I wrongly assumed had been covered by the hospitals   XXXX   XXXX   department as I was unemployed, a full-time  XXXX , and   XXXX   XXXX   at the time of the service. I spoke to someone who was extraordinarily forceful and threatened me with legal action time and again. We could not come to a payment arrangement as she wanted me to make the payment in full. I was and still am not able to make a one-time payoff. I repeatedly asked to be able to pay a portion of it and at first she talked in circles then she agreed to let me make a payment, then she told me that she would mail me the information that I needed to make the payment ( password, pin, etc ). The first week of  XXXX  I received a letter from a law office regarding said debt. Now I not only owe the amount due but also the legal fees which total {$120.00}. I feel that CBS violated the law by not providing me with information that I asked for and that they agreed to send me, on   XXXX   XXXX  . For what I understand I should have received something from them within one week of our conversation, I did not receive anything. They claim to record every single phone call so record of these events should be attainable. I feel like I am being taken advantage of. Please advise me on how to handle this without obtaining further charges and overwhelming frustration. I am still a low income,   XXXX   XXXX  . I have full-time job but my net income is only {$25000.00}, this amount is barely enough for me to make my ends meet as it is. I am doing my best to correct my past and protect my future. Looking forward to hearing back from you.
Consumer Portfolio Service reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX XXXX to have it removed from my inquiry no action was taken.
AFNI reported on XX/XX/XXXX, an account that is from XXXX ( Originally from XXXX XXXX XXXX ) for {$250.00}. I disputed the account with AFI and XXXX but got nowhere. 
It should not be in my credit report, but keeps showing up with new dates. They will not remove it from my credit report even though it's past the statute of limitation.
Equifax has refused to properly investigate   XXXX   ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.
On XX/XX/XXXX I submitted a dispute with XXXX about 5 Dept. of Education/Nelnet accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 US Dept. of  Ed/XXXX/XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my XXXX  and XXXX   report as well.
My XXXX XXXX was deemed a total loss after an accident on XXXX/XXXX/XXXX. My insurance carrier, XXXX, issued GM Financial a check to pay off the vehicle in the amount of {$22000.00}. A copy of this check was emailed to me and, to confirm, XXXX stated that this check was cleared/cashed by GM Financial on XXXX/XXXX/XXXX. When I log into my GM Financial account online, it still shows that I owe my XXXX lease payment ( due on XXXX/XXXX/XXXX ). When I called the number listed to speak to a staff member regarding this billing error, I was told that they do not have any record of this check. Even when I confirmed that they had cashed the check and are now double-billing for the car, they suggested that I contact XXXX ( who has n't done anything wrong ) to fix the problem. The staff I spoke to in three separate instances yesterday offered no help in how to go about fixing my account. I want GM Financial to correct their error to show that I owe {$0.00} and to also issue a letter stating that they will correct any adverse reports submitted to any credit reporting agencies because as of today, XXXX, they are stating that I am late on my XXXX XXXX lease payment.
I lost my credit card then I reported to Bank of America. There were multiple charges have made not by me. I was asking Bank of America to help but unresolved. I have already contacted with merchant a few times but no results. Please help!
On XXXX/XXXX/2016, I was phoned at XXXX by FBCS Consumer Contact Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. FBCS is XXXX This call was not only in violation of the Federal Fair Debt Collections Practices Act, but as a California Resident, it was also in violation of California 's XXXX My carrier is XXXX, and I would be happy to supply the phone record of the incoming call at XXXX XXXX from phone number XXXX to my phone number.