WillisBack/dataset-financial-user-claim huggingface dataset:
X/XX/17, amount 626.00, advised will file bankruptcy and unemployed. The company repossessed the car, and kept changing the requested amount dates as X/XX/17, X/XX/17, and now was advised of another date. The customer service representative was very irate and refused to give me a date of the extension for XXXX. I advised I have XXXX XXXX XXXX and need to speak with the supervisor he was not available. She made me feel uneasy, harassed, and not secure to pay that amount of money with someone that aggressive. I ask for the dates she refused to tell me. No empathy, lack of referencing the notes to notice In going to file bankruptcy and I 'm unemployed. Very aggressive first party collections practices they call me 3x a day which it should be only two if left a voicemail. I feel like I being harassed for something I can not control anymore since they took the car.
HSA Bank, a division of Webster Bank, XXXX, has not sent me the requisite tax form for XX/XX/XXXX. I contacted its customer service, which gave me the run-around. The XX/XX/XXXX form is available online, but the XX/XX/XXXX form is not yet available. My understanding is that banks are required to send out tax documents by the end of XX/XX/XXXX following the end of each tax year.
We secured XXXX student loans from Wells Fargo for our daughter for college school years XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. After graduation she attended law school so the loans were deferred for three years. During this time I received no information from Wells Fargo. In XX/XX/XXXX we were informed that the loan repayment was late. However we never received any information prior to the due date that we needed to pay. We did receive written correspondence after it was due. We paid the loan off {$19000.00}. It was late due to our bank holding some of the funds due to the amount. They then sent a bill for {$210.00} which we begrudgingly paid. We then received a bill for the second loan in XX/XX/XXXX with a due date XX/XX/XXXX. I mailed the check off on XX/XX/XXXX. However we received a notice on XX/XX/XXXX, that that payment was late and we now owed {$420.00}. It was not late they deposited the check on XX/XX/XXXX. My husband called them to find out what was going on and why we still owed them. She told him we were late and they needed payment. She advised him that if he sent in a check that we would then owe interest on the loan until the check was received. My husband asked so the interest never ends and the notice we received is always after the fact. She said we could never pay the interest off at that rate. We had to do an electronic transfer right then or be charged more interest. The finally told him the emails were sent to our daughter about the loans but NEVER to us. I told my daughter about this and she looked into her Wells Fargo account and it took her over an hour and digging into the XXXX to find a notice. They do n't want to notify you so that you can keep paying.
Navient reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to Navient. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from Navient regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to Navient by letter and the credit bureaus to resolve this issue. Navient responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.
Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!
i submitted a police report and identity theft and affidavit and and a request to block or remove fraudulently activity on my report and they said m police report was fake that they contact acted the police station and that was not true cause i called the police station.They continued to report negative items on my report
This is in response to complaint XXXX. CMRE Financial responded to my initial complaint yesterday and stated they sent me validation yesterday as well, but failed to respond to my secondary complaint which is that they are not bonded or licensed to collect a debt in the state of IL. By Federal law, if a collection a gency is not bonded or licensed in a particular state to collect a debt, they legally have to delete all accounts from all credit reporting agencies. If they fail to do so, I will be pursuing legal action with my lawyer. This debt will need to be deleted ASAP. This has nothing to do with the validation they are sending me, this is a separate issue. Please advise.
There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX XXXX XXXX XXXX XXXX XXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete OHIO DEPT OF HUMAN SERVICE.
company never contacted me about debt or gave me an opportunity to dispute. did not find out about alleged account until they reported it to bureaus. disputed through bureau. they " verified '' account without documenation
I am trying to pay with my XXXX credit card and keep being told that they will not accept my payment. This is resulting in me having to pay late fees.
My loan payment jumped approx. {$40.00} per month after paying over five years of on time payments. I called Navient and asked why and they stated a routine audit was conducted that found that I was not paying enough money, so they raised my payment without notice. I also was informed that I have " late fees '' that are over five years old. If I have been making five years of time time, direct debit payment how do I have late fees. I attempted to get these questions answered and when the representative was unable to answer my questions I asked for a supervisor, I was told that I was not able to speak to a supervisor and they hung up on me.
There was a fraudulent activity on my Macy 's credit card in XXXX XXXX for XXXX charges : {$44.00} and {$47.00} on XX/XX/XXXX and XX/XX/XXXX respectively. I notified Macy 's of the fraudulent activity as soon as my statement arrived XX/XX/XXXX. I received their Statement of XXXX application XX/XX/XXXX and mailed the completed application on XXXX XXXX describing the fraud claim in writing. After numerous calls to Macy 's to check the status of the Fraud Investigation for two months, I was told that Fraud Department help desk had no access to the investigation details other than a status of " pending ''. They could n't confirm whether the Statement of Fraud application was even received. In order to reassure myself they had received it, I mailed a copy of the initially filled out application with a certified letter XX/XX/XXXX. The certified letter was received on XXXX XXXX. I then called again to check the status and was reassured that the investigation will be completed in 30 to 90 days. The 90 days expire tomorrow ( XXXX/XXXX/XXXX ) and after my last phone call with them, the investigation is still not complete. Macy 's is reporting my account as delinquent and late because of these unpaid fraudulent charges and as a result my credit card score is plummeting. My life has been put on halt as I ca n't achieve my goals because of my poor credit card score. As a consumer, I have done everything in a timely manner and with care while Macy 's has just neglected the reported fraudulent activity on my account for 7 months.
I have filed an Identity Theft Report with the FTC over this issue, since ERC claims to have no written or verbal communication with me, nor do they have any of my identifying information but wants me to provide them with my driver 's license, proof of address and social security number. This does not seem like a legitimate company.
I applied in XXXX with XXXX XXXX XXXX XXXX for assistance with applying for a forbearance on my home mortgage XXXX where I lost my income. I was XXXX on XXXX XXXX 2015. XXXX my finances were exhausted XXXX. I applied with Chase Bank 's Forbearance program immediately after the injury as it was offered to " Help homeowners '' until Financial changes allow my return to some financial stability. 
After waiting XXXX months and no response to our forbearance application with Chase we turned to XXXX for help. XXXX counselors have helped us compile all the documentation for the submission to the bank for the past XXXX months. 
After XXXX submitted the packet, Chase responded with requests for paperwork we submitted, some multiple times. I received phone calls directly from the bank as well, asking for what I previously submitted. The bank then subsequently sent me an entire application packet directing me to submit as if we were never working with the XXXX the bank the past XXXX months. 
This week I received an email from a loan modification expert that is not connected with XXXX and I am not working. The bank contacted her to discuss my case, a case that she is not connected to in any way. Chase Bank contacted an agent from a company that I am not working with and in my opinion violated my right to privacy by disclosing information to a third party without my permission. 
I would like assistance to filing a complaint for this violation and also file complaint that Chase has, and is delaying my modification thru their actions of misappropriating my paperwork as well and not responding to prior application I filed delaying this process now 5 months.
Kauntey Mediation Services left a robo message on my cell number to call regarding a case. My next door neighbor also rec 'd the same call FOR ME. My boyfriend also rec 'd the same call FOR ME. These calls came from a XXXX phone number and left a message to call XXXX. They called my cell and my boyfriends number again today. I do not know what they are calling about as they have hung up on me every tried to call to get the company name and physical address. I want to mail a letter asking them not to call my neighbors or my boyfriend as I have never entered into financial arrangements with either of them. They are refusing to give me any information. My neighbors are elderly and the call scared them. I want these types of organization shut down. It is beyond ridiculous that a neighbor is even getting a call. My bf and I can handle scammers but the elder can't.
XXXX XXXX XXXX XXXX XXXX, I Called for assistance on setting account up online to view and pay bill ( this was a replacement card ). First call went great, I thought I could finish registration on my own, ended call. Could not complete online registration and I called back in, I got a rep in the XXXX and I politely asked to be transferred to a rep in the U.S. and he replied " oh, so you do n't want to talk to a XXXX? '' I did n't say anything and hung up. I called back in, very frustrated and got an American rep, I thought she said her name was XXXX, but I was n't sure so when she asked for my name, I asked for hers again ... she acted like I had given her my name and said one moment, while I open your account. I do n't believe that I ever authenticated the account. I said something else to her and she did n't even hear what I said, so really frustrated I hung up again. At this point, the law of averages HAD to be on my side, right? I got XXXX this time, nice guy, but I asked for a supervisor ... maybe his name was XXXX? This guy spoke over me, did n't have my account pulled up and advised me, that he would listen to the 2 calls based on my statement, and call me back. He called me back within 20 minutes and said that he had listened to the calls and I did say that I was thinking about cancelling the account. He said that the mean XXXX rep transferred the call to an American rep and I cancelled the account ... .but wait! I hung up on the overseas rep, he never transferred me. I mentioned closing the account to get transferred to an American rep, because their retention dept is in the US. The supervisor obviously never listened to the calls, even though he said he did. He said that I told XXXX that I wanted to cancel the account and even though I hung up right at that point, they cancelled it. Keep in mind, this was the rep who never authenticate me account. I hung up on this lying supervisor and called back in, this time I got XXXX, a real supervisor. She was kind, thoughtful and offered to reactivate the card ... I think that she told me the XXXX rep closed my account and he most certainly never authenticated my account. XXXX advised that this issue would be referred to corporate for investigation and the she would call me back. I did n't let her reactivate my card, because it would run a credit check and hit my credit report and we are buying a new house, the rep that cancelled my 2nd oldest credit card, hurt my credit by doing so .... all I wanted was to view and pay my bill online and speak to a US based rep ... my card had been compromised by someone in the XXXX ... that 's why I wo n't give them my info.
Opened the loan on XX/XX/XXXX2016 and i been trying to pay the little i can when i can due to financial problems and they sent me a letter in the mail stating that they would soon be calling me to court
Item purchased : XXXX XXXX XXXX XXXX Camera + 18-135mm USM + 70-300 USM + 50mm 1.8 II- SAVE BIG Date : XX/XX/2017 On the above date, I placed a {$1600.00} purchase for the items above and upon its arrival, I realized that the order was missing the camera but however beared most to all of the accessories. Thus, I contacted XXXX immediately with hope that they would have been able to resolve the issue at hand and was asked to file a police a report. I filed the police report and received confirmation that they had received the report. After weeks of waiting for a resolution, I decided to dispute the charge with Chase. I was issued a temporary credit and was educated that they would investigate and make a final decision on the temporary credit at a later date. XXXX,2017, the temporary credit was reversed because per chase the merchant provided proof of delivery and that I did not provide the requested police report to the merchant when asked. Two things have confuses me throughout the entire so called chase investigation of the chargeback ; I was never asked to provide any proof that I did file and send the police report, and the fact that they made their decision solely after the seller provided to them proof of delivery when the original claim was not about the item being delivered or not because the item was indeed delivered but instead of all the ordered being in the box only partial of the order was fulfilled.
My mother past away. I reported her death to Chase bank & ensured her dept was paid in full. Chase then issue a refund on the account due to her rewards points. They will not speak to me on the account, nor will they issue a refund check. Yet I can see her closed account was a credit balance. I understand if you ca n't get me that money, however I want Chase 's business practices audited. They are even supplying the wrong phone number for return contact on their secure email communications through Chase.com. How bad do they have to get before the government intervenes?
Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
I have been working on repairing my credit after I found out I was involved in the XXXX security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!
I had a payment arrangement set up with CFS for a loan I cosigned on ( due to my limited budget ) and they have violated that arrangement multiple times and have taken payments without my approval multiple times. They have harrassed me at work regarding payments even though i have stated they can not do so and by doing so they are violating the law and harassing me. I have tried to speak with the manager multiple times and i can never catch him while at work. Today I called because, yet again, they have taken a payment out of my bank account and spoke to the " new manager '' XXXX. She was absolutely rude and would not let me finish any sentences. I explained that they needed to stop taking payments that are not approved and she said they were not going to do anything until my balance was brought up to date. I tried to explain that i am paying all that i can currently and can not pay any more than I am. She stated that they were NOT going to stop. She was completely nasty, unprofessional and offensive. I have also never received a receipt from the payments i have made and have requested. Each time i have requested receipts they explain they can not give me any receipts even though they are payments from me because they need the contract owners approval.
Portfolio Recovery Associates keeps calling me from numerous phone numbers on a debt that was from 2009 and beyond the Florida statute of limitations. On various occasions they have threatened to sue me.
I am still a student, and have attempted to submit deferment papers to the company unsuccessfully several times. They repeatedly return my forms citing excuses such as " the date is in the incorrect format, we need mm/dd/yyyy and you gave us mm/dd/yy '', " your bill has not yet been paid so we can not accept your deferment '', and " your bill is not yet due so it is not necessary for you to submit a deferment until next period ''. It seems as though nothing will allow them to accept the form. After the most recent return in which they cited " your bill is not yet due so it is not necessary for you to submit a deferment '' which was for my bill due XXXX XXXX of this year, I resubmitted a form at the beginning of this month ( XXXX ) so that I would not be liable to pay for my XXXX bill since I am still a student and it should be in deferment. They have simply ignored this form and I imagine they will wait until after XXXX XXXX to reject my form and tell me to submit another XXXX.
Transunion eecently had two seperate glitches and I had old information reappearing in my credit score. I called the company two times this week to try to soleve the issue. The representatives will not budge into even looking into my issues I have with old inquiries on my credit report. These items were deleted then i get a notification they were back on through XXXX XXXX. Transunion never gave me a 5 day notification. The system is glitch is their problem, not mines so why I becoming a victim of their problems??
Experian has reluctantly failed to remove what appears on a credit report as the following : XXXX XXXX XXXX XXXX, first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment. 

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at XXXX as to why I can not obtain employee ID potentially in case of pending litigation? 

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY. 

Please have XXXX telephone the originator of the complaint immediately.