WillisBack/dataset-financial-user-claim huggingface dataset:
Incessant phone calls are coming in to cellphone number XXXX from General Service Bureau ( GSB ) out of XXXX Nebraska. Phone calls to a 'cellphone ' is a violation of the Telephone Consumer Protection Act ( " TCPA '' ) 47 U.S.C. Section 227 ( a ) ( 1 ) based on the fact that under the TCPA it shall be unlawful for any person or entity to make any call ( other than an emergency ) or prior expressed ( written ) consent of the called party, using any automatic telephone dialing system or artificial or pre-recorded voice. Consumer has NOT given ( written or verbal ) permission for entity to call consumer. If after the agency is notified that consumer does not wish to receive calls and the agency continues to do so the agency can be sanctioned in the amount of {$500.00} dollars to {$1500.00} dollars per each violation there after. Consumer is making this report with your agency as consumer wishes all phone calls to 'CEASE ' immediately!!!!
This concerns addressing my Power of Attorney ( POA ) for my mother who is XXXX. All other banks, insurance companies and health providers previously accepted the docs that I have provided except for Bank of America XXXX BOA XXXX. Not only would they not accept the same docs they would not respond about what they wanted and just ended assisting me. At one point I was sent to a call center who gave me a run around and was of zero help. They never called the bank or called back as promised. 

XXXX at the bank who was helping me ended up hanging up on my husband and lied to his boss about the conversation and this was not addressed. He would take the problem no where. Had to go face to face with the branch manager who made a call to legal wanting more docs that is not addressed in the POA. She had every programmed response to support the problem and her employee who ultimately did nothing but cause frustration. 

The bank manager chose her words carefully but made me feel as though I was steeling from my mother. BOA has still not accepted my POA.
I have requested to have a Fraud Alert removed from my credit report. I have updated my Equifax file with my contact information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB:XX/XX/XXXX SS : XXXX. I WOULD LIKE MY FRAUD ALERT REMOVE!! ASAP MY EQUIFAX Report Confirmation : XXXX I have included a copy of my ID and SS.
The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s ) or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.
status of my account is showing that it was written off for {$610.00} dollars and the account was paid in full and the status is not showing paid in full on my credit report
I am filing a complaint with your company due to the false reporting of invalid information and credit reporting errors. The accounts listed below are charge off accounts. I have sent in proof multiple times with your company stating that they have been updated and corrected. In a charge-off as you are aware, the company writes off the debt and then the balance is XXXX. You clearly show here that the accounts have not been updated and are still reporting false information. I also have highlighted them in the attached credit report. You are in violation of the FCRA and need to address this XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5400.00} XX/XX/XXXX {$5400.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4900.00} XX/XX/XXXX {$4900.00} CHARGE-OFF {$2300.00} XXXX XXXX XXXX XX/XX/XXXX {$7000.00} XX/XX/XXXX {$7000.00} CHARGE-OFF {$6000.00} XXXX XXXX XX/XX/XXXX {$6100.00} XX/XX/XXXX {$6100.00} CHARGE-OFF {$5100.00}
I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
The following statement cites the correspondence provided between the client an d Navient Solutions , Inc.,  as last reported as of   XXXX   XXXX   XXXX  . The issues that will be addressed are in regards to the frequency of communication from Navient  Solu  tions , Inc. , in which an insufficient amount of time has been provided to the client in order to compose timely responses  ( n ote : Refer to attached documentation for specified timeline ).   Other issues involve the methods of contact which Navient  Solutions , Inc.  has claimed to have carried out in order to reach the client, yet has not been validated by the client or proven  externally ( note : Refer to Litigation Review, as provided by Navient Solutions   , I  nc.  on   XXXX   XXXX   XXXX    ).    The last correspondence provided by the client is dated as of   XXXX   XXXX   XXXX  , in reference to the former documentation provided by  Navient Solutions , Inc. (  note : Dated as of   XXXX   XXXX   XXXX   ).   As the clients preference has been listed as their mailing address, insufficient information and assistance has been provided by  Navient Solutions , Inc. in  an effort for both parties to communicate efficiently and accurately.
I have been a customer of SunTrust bank for more than 10 years. I have a personal and a business account with them. I run an XXXX XXXX XXXX XXXX XXXX XXXX. As part of my business, I have several developers that reside in XXXX and XXXX. I have started using SunTrust bank to send out wire transfer to XXXX XXXX to XXXX of the developers in the amount of {$4000.00} a month since XXXX XXXX. 

I did my first XXXX transfers at XXXX Bank XXXX XXXX in XXXX, VA in person with no issues. I then was advised to get a phone authorization so that I can do the transfers remotely. I did that and was able to do the final XXXX transfers via the phone. 
On XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX | XXXX XXXX - XXXX at SunTrust Bank inquiring about the purpose of my wires. I responded on XXXX XXXX stating that these wires were a payment for XXXX development work performed by XXXX XXXX, my contractor. I got a response from XXXX XXXX, thanking me for the information I had submitted. 

On XXXX XXXX, XXXX, I picked up a certified letter from SunTrust Bank 's XXXX XXXX XXXX where they informed that they will be closing all of my accounts ( business and personal ) within 10 days of the letter dated XXXX XXXX XXXX. There was no explanation for this action. I called the number provided XXXX and was told that I had to go the branch to get an explanation. 

On XXXX XXXX, XXXX I came to the SunTrust Bank XXXX XXXX in XXXX, VA and spoke to the Branch Manager who was the XXXX helping me with the wires before. He made a call to XXXX XXXX XXXX and found out that they made a business decision to close my accounts and deny me the right to open a new account because I make transfers to XXXX. I asked if I can open a new account if I stop making those transfers and I was told that their decision is final and they do n't want me as a customer. 

As a consumer I was not told that there was an issue with sending money to XXXX back in XXXX XXXX, I was not given a warning, and I am not being given enough time to sort through this situation. The bank has performed about XXXX transfers total for me with no issues. And now not only my business account is affected but so is my personal. I have all automated payments going in and out of both accounts. I do not have another business account to send to my clients so I can collect payment. The letter was dated XXXX XXXX, giving me only 10 days to close out my accounts. I had to go to the post office to pick it up, which happened on XXXX XXXX. Today is XXXX XXXX. Now I have 3 days to get a new account, get payments in there, transfer my money AND setup all the automated payments without missing payments. This is a huge issue for both my business and personal life.
I requested a copy of my credit report after being denied credit and called the automated service to request the copy of the report that I am entitled to because I was denied. At the end of the call with Equifax I opted to purchase my credit score for {$7.00} by credit card. The amount was deducted from my checking account on XXXX XXXX/XXXX/16 and is notated by " Equifax Credit Report/ XXXX ''. 
After not receiving anything in the mail, I contacted them in early XXXX by phone to inquire about my report and score. On XXXX XXXX I received an envelope postmarked " XXXX XXXX ''. Inside was my credit report dated XXXX XXXX. 
I still have not received my credit score that I paid XXXX for and when I contacted them today XX/XX/XXXX16 I was told my credit score was mailed on XX/XX/XXXX16. ( the same day XXXX was deducted from my checking account ). The representative said that her supervisor regretted I did not get it but there was nothing further that could be done. 
I would like them to mail me, email me. text me my credit score that I paid for or refund my XXXX, I think this business is a scam.
Have not been late on the account since XX/XX/2013 yet XXXX XXXX XXXX is still reporting late payments. Used a credit repair services, which did help in removing many false line items on my credit reports. However, unsuccessful in removing or changing derogatory items from XXXX XXXX XXXX.
A collections agency, I believe it is XXXX, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. XXXX has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.
I took out a loan with XXXX XXXX in XXXX 2013 for {$5000.00}. It was sold to Cash Call for servicing immediately and then to XXXX XXXX. It is now back to Cash Call. There are multiple lawsuits in progress right now against them and I offered to pay back the principal of what I owed to take care of the loan. To date, I have paid {$3800.00} and they say my principal is still {$4300.00}. How can I make payments for over 2 years and only take {$700.00} off the principal? I made an offer to pay them {$1100.00} and change to pay back the original {$5000.00} but they said they would only accept an offer of 80 % of the principal remaining so the best offer would be an additional {$3400.00} which would give me an effective interest rate of around 30 %. I understand that I am lucky in that some consumers have paid back more than double what they borrowed but I still believe 30 % is too high.
I was called at XXXX today by Diversified Consultants about a XXXX XXXX bill of {$680.00}. This was a random call and I really did not have the time to talk, as I was busy. So, I proceeded to ask XXXX XXXX XXXX could I call her back at another time because I was busy and she proceeded with : " well, we are on the phone right now, so why do n't we go ahead and get this settled. What are you going to do about the debt? It has been in collections since XXXX! I was shocked and I told her that that was not the right way to go about the situation especially if someone tells you that they are busy and they will call back. The phone got disconnected and I called back. It was XXXX XXXX again and I asked her if she wanted to try the conversation again. She proceeded with being very rude and nasty to me again ; therefore, I asked for a manager. I was put on hold and XXXX XXXX XXXX, the Supervisor on duty, came to the phone. I expressed to him that XXXX was very rude to me and I even told him what happened ; he replied with " well I understand that, but we are on the phone and you called back so what would you like to do about this debt that has been delinquent since XXXX? '' I was appauled because the professionalism was so horribly portrayed. I could not even carry on a conversation with these people because they were haggling and being very forceful and rude to me.
I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$930.00} and {$980.00} dating back from 2012. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX  and the Texas Attorney General 's Office today.
Since  XXXX   2016  I have been going back and forth to have these accounts contained in my credit file removed. This company has had over  XXXX  accounts listed as me being the debtor. I contacted this company was told that checks written and was returned. I requested documentation and documentation was provided to me however. The identificaiton number listed on the checks is not mines. I have provided this company with a copy of my drivers license to verify the license number listed was not mines. They have removed a great deal of the accounts however there are still  XXXX  accounts reporting.I do not have the time, and money to continue to send letters. I have provided all the documenatation I possibly can provide. If you look at the  XXXX  different checks I attached those numbers are not the same. I am not sure how they linked me to this account but I want this matter resolved once and for all.
This company is harassing everyone in my immediate family as well as my siblings ' parents. They are also calling me on Saturdays and Sundays.
I have requested from XXXX EXPERIAN XXXX Copies of XXXX copy And current copy of XX/XX/XXXX I have had identity theft registered with the FTC and confirmed by the office of the comptroller for currency. 
I need the above copies as requested since XX/XX/XXXX And XXXX and XX/XX/XXXX To assist me in recovering
My husband and I get calls from XXXX office. They called my husbands employment ( he XXXX ) and when he said to stop calling him, they still called the XXXX. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed XXXX and we needed to settle for XXXX. We are in the process of getting legal representation to fight back.
I continuously made regular monthly payments for years, until I experienced financial difficulties due to enexpected divorce which resulted in relocation and employment change. 

The lender provided options to defer loan payments multiple times, but failed to inform me that interest would continue to build upon the principal. 

When it was time to begin making payments again, I found the principal had more than doubled. 

I've attempted to resolve this matter with the lender with no success and it's become impossible for me to repay the current outstanding amount.
This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my XXXX, XXXX and Experian reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.
I returned a cable box and router to XXXX XXXX XXXX XXXX and they sent my balance to collections anyway when they said they would n't.
I am set up under a interest reduction plan and my payments are {$200.00} which is due on the XXXX of each month. I was informed by Navient that the only way I can be enrolled in this program if I set it up on auto payment with my checking account. Well I have faithfully made my payments on time for two years but I have found myself in a financial burden from time to time so XX/XX/XXXX, 2017 was late and it made my checking account overdrawn because the money was not in the account but the payment was paid on XXXX XXXX, 2017. The problem occurred when Navient took out another payment of {$200.00} on XXXX XXXX, 2017 even though the XX/XX/XXXX payment was paid on XX/XX/XXXX. I contacted Navient and everyone i spoke to told me they had no record of tht payment. So when I spoke to supervisor she informed me to send the bank statement showing tht they took the payment out on XX/XX/XXXX ans proof that my checking account was overndrawn and they will reimburse me for the {$37.00} overdraft fee. I sent in the bank statement and highlighted the payment that was taken out as well as the over draft fee. I followed up with Navient to ensure they received the documents and the agent informed me they did and filed for the reimburement then informed me i should receive the reimbursemetnt within 7-10 business days after the 10th business still not reimbursement. My other problem I have worked with Navient for years my account is up to date but I feel that I am being taking advantage of when I took these loans out I was young but I accepted my mistake but I do not feel this company Navient which was once known as XXXX XXXX should continue making my life miserable please help! I am desperate i work full-time and i try my best to pay all of my bills on time.
During recent months I have noted the message on the monthly statements : " Partial payments : any partial payment s that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment the funds will then be applied to your mortgage. '' My account is current. I plan to start making additional mid-payment cycle payments to my account. When I look at this message I understand this to mean that diTech does not intend to observe my right to pre-pay my loan. I do not understand why diTech appears unable to apply mid payment cycle payments to the loan principal. If my understanding is correct, then it appears that diTech has defective accounting systems and may lack the resources to properly apply payments to loans in a timely and correct manner.
XXXX XXXX he has changed company name twice since Ive spoken with him. He has got in contact with me about a debt. But on days he can not contact me hes called my relatives and has gave them information where I work. My addresses and phone numbers. XXXX.
I have contacted all three credit reporting companies, because I received a letter from XXXX XXXX XXXX XXXX who claimed to have bought a debt relating to me from a third party ). I have continuously stated that this debt is not mine both to XXXX and to the credit reporting agencies. XXXX 's letter notified me that the statute of limitation HAS EXPIRED, and they will contact the credit agencies to remove this debt from my credit report. However, the debt still remains on my report although the statute of limitation has expired. This debt was never mine to begin with, and I even went to court, and it was disposed of by the judge over 3-4 years ago because XXXX attorneys could n't offer any proof. 

If you take a look at my supporting documents XXXX my letter to the credit agency and XXXX letter to me - attached ), it is officially from XXXX ; however, the credit agencies " claim '' that when they contacted XXXX, that they were told that this debt is mine -- obviously because XXXX wants money, and rather than the credit agencies doing their jobs, in terms of accuracy, they are failing to do so and being ignorant of my side of the story. 

This debt is not mine, and the credit agencies need to read the official letter sent to me by XXXX. This is harassment on the part of XXXX if they are indeed stating this debt is accurate, when their own letter states that the statute of limitation has expired and even went further to state that they will contact the credit agencies to remove. 

Please assist in getting this " inaccurate '' and " expired XXXX '' information from XXXX off my credit report. 

Many thanks, XXXX
Every time I call this company and ask for proof that I've been making payments, all they send is that I've made a {$10.00} and the date it was made. I was making payments in 6 month increments because they couldn't set up a payment plan and then once it ended they never called to restart it or even send a letter. I was recently informed on XX/XX/2018 that I was sent a letter of a payoff amount, but I haven't received mail from them in over a year ... Recently we started to apply for a mortgage but this " debt collector '' has not reported anything that we have paid making it look like we haven't tried, when I've been paying on this for 2 years! They still say my balance is what it originally was when I started. This payment was for a car that I turned in 5 years ago!
I understand that I have a debt with XXXX but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I was never contacted by Wakefield and Associates about any debt. I found out about it when they showed up on my credit report. I have never received a call or a letter about any owed debt. The medical company that uses their services had made a deal with me to have that debt paid. I paid the compaNY what was owed in exchange for them not sending it to collections. I have a recording of said deal. I also have the bank statement to prove the debt was paid.This agency has never called and identified them self as a collection company if they called or ever sent a written notice of said debt they were trying to collect on. This has lowered my credit report and will cost me money on the purchase of my next house since I have received a higher interest rate than what I should have recieved.