WillisBack/dataset-financial-user-claim huggingface dataset:
Already made one complaint about this company, to provide me with proof of the debt, that the debt is mine, and the collection agency XXXX XXXX XXXX indeed bought the debt. They have provided that, but this debt wasnt paid since XXXX. I have never got any letters about payment or lawsuit form XXXX XXXX XXXX. What I read about the lawsuit agreement between the consumer financial protection nurse and XXXX XXXX XXXX, they arent supposed to be able to, attempt to collect from debt that has passed the statute of limitations, and or post negatively on peoples credit it they dont either have the appropriate paperwork, or if the debt is uncollectable due to the statute of limitations. The statute of limitations on private student loan debt is 3 years in North Carolina. Again this hasnt been paid upon since XXXX. I understand that this debt will be placed in charge off status, and still be seen on my credit report. I am trying to start over and become a homeowner again, and cant due to this negative posted collection for XXXX $ that is past statute of limitations for collecting and a lawsuit. I am asking for XXXX XXXX XXXX to charge off this uncollectable debt, and stop posting negatively upon my credit report as agreed upon by XXXX XXXX XXXX vs the consumer financial protection bureau.. thank you for your time with this. I have not made XXXX XXXX of new debt since XXXX, and have either paid off or charged off a total of XXXX $ in student loans and credit cards. Thank you for assisting me to be a homeowner again.
I had a wireless service with XXXX, but after a week, they realized that I 'm not qualified for the service, so they asked me to return the phone and they exempt me from any obligation so I did, however, they never make sure that my service is cancelled due to their bridge of contract, I returned the phone in the legal time, but they never noted, they admitted, they made a mistake, by the time I discussed the matter with XXXX, they already sent collection to an agency, they say they can not contact the collection agency on my behalf, however, they gave me an official letter to supply the agency that I owe {$0.00}, but still they put me under collection, which is not fair, when I called the collection agency, they declined to talk to me, they say my problem with XXXX not them.why I have to be under collection and I have proof to prove it with a letter from XXXX please help me take this bad credit from my credit, i feel this is abuse, and tempting to collect something not due the total amount is they say {$530.00} for the phone which I had returned and this my proof thank you very much
I have disputed many items on my credit report with all three credit bureaus and Transunion is not taking my disputes or providing me any evidence of the accounts that I so call owe on. XXXX removed all accounts that I disputed with them, but Transunion keeps removing and putting back on the same accounts. I sent in police reports of dates when I had personal information stolen from my vehicle. I have disputed the same accounts with them three different times.
During a divorce settlement I was awarded the home and part of the decree was to refinance in my name only. I began that process in XXXX XXXX. My bank is wells fargo/ASC. ( American servicing company ) I used a third party broker to manage the process for me and after several months I was approved for the HAMP program. XXXX of the requirements was that my ex wife sign a quit deed prior to closing. She would not, because she would give up rights to the house and still have the financial burden. 

As soon as Wells Fargo found we were looking to modify our loan they wanted to be our new best friend. They have done nothing but XXXX it up and to this day continue to keep the process from moving forward by providing outright lies to my ex-wife about the process. They certainly do n't want me to qualify for HAMP, it 's not in their best interest because the house is underwater and they would have to give up their 6.5 % mortgage which increases again XXXX XXXX. Now they begin a campaign of sheer confusion. I receive a letter regarding the program and notified the clerk ( to be named ) that we were using a third party and thank you. This person on almost a weekly basis would send a package of documents to my ex wife to be filled out. We explained that it was me, not her that was trying to qualify and asked him to step out of the process, we had it in hand. The overnight packages continued to my wife with the same old requests about her financial information. This shed doubt with her about the program because she could n't understand why he would continue. He has never contacted me personally or responded to any emails. 
I was eventually approved under the program with a lower home value and lower interest rate which provided savings of {$1000.00} per month. I 'm XXXX and live on social security and now that I have the burden myself of the mortgage I needed assistance. I received a letter from someone at Wells Fargo that has never returned my call that said they power of attorney to negotiate with my broker. Unless it was snuck into the mortgage paperwork, I never signed any such thing. This started in XXXX XXXX and now it 's around XXXX that we start running out of time due to the program ending XXXX XXXX. My ex wifes attorney calls and asks this clerk about my process and he told the attorney my loan did n't qualify for FHA refinancing. That 's fine, I was applying for a modification which it fell into as a category. Based on that my ex wife 's attorney sent an email rescinding interest in signing a quit deed. Now I 'm XXXX. It 's not easy to qualify, you have to provide tax returns, financial statements, a hardship letter, and with XXXX intentional lie this bozo wipes out 5 months of work. The house is worth less than the mortgage outstanding and have really to options, require these people to stand up and be a legal corporate citizen or bring a moving truck and let it be, they will be the proud new owner of a home I can assure you they wo n't want.
Equifax has a Promotional Block on my account, so when I recently applied for a Home Equity Loan my report came back with little to nothing on it because of this block and I was denied credit. 

I have called them twice XXXX do n't remember the dates ) and was told it would be removed. I have sent three letters XXXX XXXX, XXXX, & XXXX ) asking them to remove the Promotional Block. The first two times they told me it was removed, yet it remained. The last time they asked me to be  more specific ... I 'm not sure how more specific I can be by asking them a simple question to remove the Promotional Block! 
I first noticed the Promotional Block after the denial of credit when I requested a copy of my credit report and they sent me two copies. One with everything as it should be and one with hardly any thing on it and that 's when I noticed the line File Blocked For Promotional Purposes!
My balance have not changed since 2012 ... never missed a payment until recently due to medical issues. I 'm currently on XXXX and trying to work with them. I have XXXX with XXXX and they threaten to get the car. My interest is too high and I 've been struggling to make payments. Is it legal to take money and no change in balance?
Just check XXXX XXXX and notice there is a breach on my Credit report concerning XXXX XXXX! I don't have an account with PNB bank in XXXX! This is a fraud account and there was Identity theft in XXXX due to my social security number being compromised for many years! I have fraud alerts on my accounts but somehow this error slipped thru the cracks! I want all the credit companies to be aware which they should have been and remove any negative activity because this is affecting my score! Sincerely, XXXX XXXX XXXX! ****Please remove this name called XXXX XXXX XXXX XXXX my files, this name is being used for Identity theft purposes and is fraudulent. Keep the credit companies and consumer reports aware as well! Thank you!
I opened up my   XXXX   XXXX   and I saw a derogatory mark fro m ARC  opened  XXXX   XXXX   2017  for {$150.00} .I do n't have a clue where this came from.
Repeatedly calling my in-laws several times per day even though they have my phone number. They have told them repeatedly that I am not reachable at their number. 
They also call me repeatedly, even after speaking with them and making payment arrangements.
XXXX    XXXX    XXXX  USING THESE FRAUDSTER COMPANIES  XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX    XXXX   AND  XXXX  MORTGAGE  XXXX  TO SERVICE WHICH IS AN irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS AND HAVE FIRED ALL OF THEM, SEE ATTACHMENTS   XXXX   XXXX   XXXX   XXXX  i : fired all these fraudsters : the forecloure trustee, the servicer, the attorneys and others, long ago, they are still trying to steal my home.   i : sen d Cease and Desist ord ers long ago, see how fake this is? CAL. CIV. CODE 2952  (   XXXX    XXXX   ).   After Recording Return To :  XXXX   XXXX   XXXX   XXXX   XXXX   [ Space  Above This Line For  Recording Data ]   XXXX  FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by  XXXX  on behalf of [ Name of Person ]  XXXX .    [  Name of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to CAL. CIV. CODE 2 952 (   XXXX    XXXX   ).   These fictitious entities  XXXX   XXXX   XXXX ,  XXXX  and  XXXX   XXXX  and  XXXX   XXXX   XXXX , which based on ample evidence on records, have been laundering money, which based o n prima facie e vidence, includes laundering   XXXX   XXXX   monies, in collusion with attorneys and a pretending services pretending to be the Trustee for foreclosure purposes and acting u nder Color of law  which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks wi th fiat paper monie s and instruments.   These charlatans have been fired, do not have chain of title, do not have a contract with the real owner of the property and land that they are offering for sale both on the internet ( wire fraud ) and in person. They have committed and been involved in fraud, swindles, tricks and schemes.   This amounts to Robbery ashore as part of the pattern of racketeering activity by collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce.   They must divest themselves of the ill begotten property, belongings and financial gain they have derived from their fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from these fictitious entities and receives, conceals, or retains the same with the intent to convert into his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do them!, the attorneys, the officers and directors if  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .   Warrants a nd Bill have bee n issued already to  XXXX  enforcement of the highest of the land.   other info :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX     Calif. code 115 ( a )  10 years in prison.   These entities have been notified.   Remove the Auction demanded today.
Received a call fromWells Fargo Dealer SerXXXXXXXXXX/XX/2015 at XXXX message leftCalled back and talked to XXXXI informed XXXX that I do not have any accounts with wells fargo dealer servicesI informed XXXX that my number is on the national do not call registryI confirmed that his display showed my accurate number of XXXXHe was unable to find my number associated with any accounts in his systemI had him provide me with the address for the facility he is at, which he gave as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXI informed him that his IT staff should very easily be able to pull up the records of which staff member called my number so they can confirm who is responsible, what account they were working with, and remove my number from their system. The fact that I had to explain this to them is ridiculous enough. 
I informed him that they have been given their only notice, and if they call my number again then they will be paying for violating the do not call registration. 

XXXXOn XX/XX/2015 at XXXXWell Fargo dealer services againA voicemail message began with a female voice but was immediately cut off. 

Upon me calling back, call was answered by a XXXX in XXXX who immediately placed me on hold for three minutes without interacting other than to say his name and to please hold. He asked for my account number. I told him I do not have one, and asked XXXX for his last name or an employee ID number. He said he can use my social security number instead. I said again that I need a last name so I know who I am talking to. He again said that he is XXXX with Wells Fargo. I asked if he has a last name. He said that he is XXXX from Wells Fargo in XXXX. I asked if he was the only XXXX at Wells Fargo in XXXX. He refused to answer again and just asked what he can do for me. 

I told him that what he can do is transfer me to a manager. After being on hold for a brief period I received the voicemail of a XXXX. I left a voicemail requesting that he call me back about legal violations by his representatives, letting me know when he would be available to talk. 


XXXX did not call back. I called again at XXXX and spoke to XXXX . After re-explaining the situation to him, he was able to confirm that their phone system is incapable of logging outbound calls in order to determine which rep made them. So he can not find out from the rep what account they were working on. He was not able to find my number associated with any account. He also acknowledged that their database does not allow them to search the numbers of references on accounts, but only the phone numbers of the primary account holder. In essence, he admitted that they chose to operate with XXXX different deficient software systems that would have allowed them to resolve this issue, and can not remove me from the system unless they actually did a little work and talked to their reps. 

He could have sent an email to his reps to find out what accounts they were working on at XXXX when I was called, and instructed them to check their logs to find out. He opted not to do so. They have consciously chosen to continue calling me in violation of my being listed on the DNC registry.
Numerous letters from BancorpSouth mortgage provider stating that they do n't have proof of hazard insurance and that they would be buying it on my behalf and would charge me an outrageous amount. I called and emailed them the policy from our XXXX 's XXXX contact and gave them the contact info so they could contact them directly in the future. Each time, they said they received it and it looked like what they needed. But the letters did not stop. I contacted them three times, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. They said on this last call XXXX XXXX was the representative ) they they will get the information from the XXXX 's XXXX directly, which is what I asked for originally. I asked them to keep this in their records so that next year and the year after etc they could get it from the proper source. They said that no they would not do that, said it will happen every year, and were generally rude, unhelpful and unprofessional.
Sirs-I am a XXXX here in Arizona and understood that under the new regulations you in part promulgated that we are not allowed to give discounts to our fees for any mortgages we originate. The reason I say this is that as you can see from the attached Wells Fargo, our competitor, is doing just that with the XXXX XXXX XXXX. If this is allowed then are we allowed o do the same to groups such as these? I have heard as well of other companies doing this for emergency first responders, teachers, etc., ( I can furnish names of these companies is need be ). We would like to do the same. Please advise.
the company Westlake financial doing business in California. wont report ccccccccccc credit as per contract, my account is XXXX XXXX XXXX
On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
I keep trying to call this company to dispute a charge from XXXX and they wont answer for me.
I have had a credit card account with Bank of America since XX/XX/XXXX. Over the last 14 years, I have been allowed to add and delete authorized users on my account, and have always understood by doing so that I was taking full responsibility of allowing them to use my card, and that I was fully responsible for any and all charges associated with use of my credit card. On XX/XX/XXXX, I went to get gas as usual using my Bank of America credit card, and it was declined. Thinking the machine was broken, I left and went to a different gas station. After my card being declined again, I called in and found out that my account had been reviewed and closed without any prior notice or explanation. While that was not expected, and I understand it is within their rights to do so, I have another issue. I had earned XXXX points as of XX/XX/XXXX. I have tried to cash them out at the .01/pt rate they normally offer, and am unable to do so online as I have always done. I called in and spoke with 2 different people at Bank of America, and neither could give me a reason as to why the points could n't be redeemed, only stated that they were lost due to the account being closed. These points were earned. Had I cashed them out on XX/XX/XXXX, they would have sent a check. This is unfair, and I wish to be compensated for {$1000.00}, which I earned using this card.
I used western union to send money to a vendor bank account. On their website, it shows it is complete even though the bank account the funds were sent to has not received the funds. Even their online tracking system is showing that the receiver has not received the funds into the account. The transfer should have happened in 7 business days. Its been 30 days now and still no resolution.
To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this  alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
I made my month payment to my loaner. on time but the payment was never apply to my bank account and they told me the bank didnt approve the payment!! When i called again they told me the have the wrong bank account when i been making the payment with the same bank account.they been changing the answer on every single call i did!!! When i called told them to make sure why they didnt take the money out and they gave me a different story i was told that I didnt have enough money when i know for sure i did have the money to pay, the loan now they are charging me late fee and my credit score went down because of that.i just want the bank loaner to fix the payment to make sure they take the money out the bank account and dont over charge me, to fix my credit scores!!! Thank you so much i hope you can help me out
Since the past few months I've reached out to both XXXX and Experian regarding inaccurate information reporting on my credit profile thats affecting me from obtaining anything. Both companies NEVER sent me the proper documents that was asked proving that I was ever late on two accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX ) and also about an account that's not even mine ( XXXX XXXX ). I have sent them several certified letters asking for proof and I have not received the information asked to prove to me that I was late. They are reporting inaccurate information on my credit profile. I have NEVER been late on my Bill 's in fact I have them set up on automatic payments every month. I explained that to them and they refuse to send me what I asked showing that I was ever late because by law a notice suppose to be sent to the consumer before a late is reported to the credit agency per the law.
On XXXX/XXXX/XXXX an arraignment to purchase a vehicle,XXXX Dodge Ram Quad Cab 4 WD Drive Hemi .Was constructed for XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX.Placed upon the lease agreement.An amount for a monthly payment expects a purchaser to forward payments.Recommends an agreement for a monetary settlement.Gives a consumer a right to drive this vehicle.Placed upon highways a legal condition for an operator to maintain an agreement.Was proof a vehicle could enter highways.Gives a right to transport cargos safey to other locations.Requires an arraignment satisfy the State. 
Having been advised to consider making payments to Chrysler Capital.To retain possession of a vehicle.A salesman objects to purchasing this vehicle.Give a consumer a right to own a vehicle.Require the effort of consumer financial protection bureau.To investigate a contract for any discrepances.To give a consumer relief from a financial ovligation to lease a vehicle for an increase in profits of Investors.Reason a considerable reduction would be possible for a consumer to buy a vehicle.P ; ase make sure company representation is willing to release a debt of a consumer.And obtain a financial agreement to purchase a vehicle, outright for an American Citizenship 's increase in his state of independence.
I call to Island Finance/XXXX XXXX  in PR. They denied my pay off balance by phone, online, email or regular mail. 

They obligate go to the branch to get the pay off balance. Its not fair.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Internal Equfax executives on the other hand decided to cash out Equifax stock days before it went public, as further insult to injury.