WillisBack/dataset-financial-user-claim huggingface dataset:
I was charged for two months by XXXX that was unauthorized on a USBank secured credit card. I did not authorize XXXX XXXX to charge my credit card after XX/XX/XXXX. I paid cash for XX/XX/XXXX, and ongoing. In XX/XX/XXXX, I was charged for two months ... XX/XX/XXXX and XX/XX/XXXX, even though I was denied access to my storage unit, and the owner forbade me from accessing my property, starting on XXXX, even though his normal policy is that I am not locked out until after the XXXX of each month, and that I may still keep my bill current, as long as I pay by the XXXX of each month. On XX/XX/XXXX, the owner, XXXX XXXX denied me access to my belongings. This is in addition to locking me out on XX/XX/XXXX. When I contacted the credit card company, USBank, they told me that I still had to pay these charges. No. I had already acquired a different storage unit at another facility, starting on XX/XX/XXXX. There was no reason for me to pay for two months for no reason, especially since I did not have access to my property!!! Not only that, but I was homeless, and my blankets were in there, and I froze for most of the month of XXXX! Not only that, but since he charged my credit card for two months, I was unable to purchase a bus ticket to California, to be with my son, and rent XXXX rooms together. My credit is ruined, and I am unable to pay this amount. Not only that, but it is extremely unfair. I had told XXXX XXXX in XX/XX/XXXX, that I was unable to pay for XX/XX/XXXX, and would he help me move my stuff to another storage facility. First, he said he would move my stuff with his free truck, advertised with his business, then he offered his personal car, then he changed his mind and offered a different storage unit, free of charge for two months, then, on XX/XX/XXXX, he changed his mind altogether and stole all my stuff. Then, in XX/XX/XXXX, he charged me for two months, and said if I did n't get my stuff out immediately, that he would charge me for XX/XX/XXXX, as well. This is just crazy. I explained all this several times to US Bank, but they are still charging me, and even though I told them not to apply my deposit held in my account toward this bill, they did anyway. And they call me on average, of XXXX 's a day, including Sundays. I do not owe US Bank, nor XXXX XXXX, nor XXXX XXXX one red cent. It 's absolutely preposterous.
On XXXX XXXX, 2015 at the signing of loan docs, I was given a final closing disclosure to sign by International City Mortgage which indicated the total cash at closing for my total down payment would be {$13000.00} ( which included my XXXX initial down payment, a {$4000.00} gift from my uncle and and IRS debt I needed to pay ). I told them this amount was not correct that it should not be more than {$13000.00} ( My total Down payment ( which included my XXXX initial down payment and a {$4000.00} gift from my uncle ) plus my IRS debt ). I was told that a clerical error was made on the closing disclosure and it would be fixed the following morning. I was also told that to avoid any issues that I should deposit {$11000.00} ( which would be added to my {$2000.00} initial down payment ) to make sure that we had enough money at closing and any anything above the {$13000.00} would be refunded back after closing. The following morning XXXX {$11000.00} ( {$7800.00} from myself and {$4000.00} gift from my uncle ) was wired into escrow They also sent a new closing disclosure for me to sign which indicates on {$12000.00} in cash needed to close and indicated there were several adjustments made and this amount was final and would not go up. The next morning XXXX I found out my uncle sent money from the wrong account so he wired an additional {$4000.00} into escrow ( Now there is {$15000.00} total in the escrow account ). On XXXX/XXXX/15 the day of closing approx 1 hr before funding is cut off they send another disclosure for me to sign which indicates only {$10000.00} in cash needed to close, I asked were they sure and that anything brought in above this will be refunded and I was told yes, so I signed it and sent it back. My loan closed and refunds were issued on XXXX and all they returned of the {$15000.00} was {$4000.00} ( {$4000.00} for the additional gift my uncle wired plus the wiring fee of {$59.00} ). I was total by the escrow company that there were no additional refunds. I immediately went to ICM and was told by the branch manager that I would receive a refund check ... I have made several attempts to resolve the issue ... but my calls from the branch manager and or the corporate office have not been returned. I have been in contact with a loan assistant but he has no answers for me. I feel they preyed on me and deceived me. I not sure how many people they have done this to but they must be stopped and someone should look into their practices. I need direction on how to get my money back.
I have been in contact with ( Central credit services ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. Central credit services agreed to remove debt from my credit report as of XX/XX/XXXX. This action has still not been done. i have called into central credit services on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : XXXX XXXX XXXX Original creditor XXXX XXXX is still showing from the collection company central credit services.
Kohls Department store is reporting on my XXXX credit report incorrect information. I was never late with any payment. Ive been with Kohls since 2012 and never had a problem. It was reporting a late payment from almost 2 years ago. I immediately contacted corporate office of Kohls to discuss and rectify this incorrect information. XXXX has since corrected the problem but XXXX and XXXX have not and it is affecting my credit worthiness and credit score in a negative way. Ive disputed this numerous times and have also contacted Kohls Department store again. This should have been corrected on my reports awhile ago.
The telephone number is XXXX. The message is " This is a message from Synchrony Bank regarding XXXX. Please return our call to XXXX. For faster service visit our websire a mysynchrony.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' There is another telephone number with this same message. It is XXXX. This one requests I give the last four digits of my social security number. I do not do this.
They are calling my parents threatening them with collection of my " unsettled '' debt, and faxed my place of work. They never tried to contact me. This debt has been settled. It was settled in 2009.
Hello. 
I have a second mortgage with Indymac, but now had transferred to CIT banks ( XXXX ). I have missed a payment for XXXX, due the I was out the country. So I was tried to get current. So I have made every payment since, so in XXXX I have was tried to get current on my loan, so I made my current payment of XXXX, than {$30.00} ( XXXX ) as late fees, than {$130.00} ( XXXX ) and {$210.00} ( XXXX ) and current due payment for the XXXX {$290.00} ( XXXX ) The funds {$30.00}, {$130.00} and {$210.00} had never applied on my account even it shows in my bank statement at CIT my loan information. 
I have calculated since XXXX I have to make {$2000.00} as my due payments, but I have paid them {$2100.00} by end of XXXX. I have still own them payment for the XXXX and it 's good until XXXX XXXX. 
They are keeping tell me that I have own the XXXX payments!!! It 's poor calculation from BANK ( financial institution ), as I showed my total paid above. How can I be confident that they can even manage my account? They are still reporting that I 'm late to Credit report organizations. 
So I want them 1. Fix this problem 2. Fix my bad credit report. 
I have attached the statement as I printed from their website. As you can see funds {$30.00}, {$130.00} and {$210.00} had never applied to my account if you will look at Principal and Interest columns. 
Thank you
I have  XXXX  entries on my credit report for the same student loan with th e U.S. DEPT OF ED - DIRECT. These loans were transferred to :  XXXX  several years a go. As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferr ed to one co mpany  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (   XXXX   )  XXXX  transferred to : Creditor Contact Details US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , WI  XXXX  (  XXXX  )  XXXX
My wife and I were approached by a third party company that handled our student loans. The agreement they made was to debit {$39.00} from each of us each month to handle our student loan account. The agreement that was that until we could afford to make our student loan payment, the {$39.00} payment would be charged to us and the payment would also be added to the balance of our past due student loans. We recently learned that none of the payment is going toward our loans and that this service is not doing anything that is necessary to the principal balance of our loans. We would like our money refunded.
Equifax has allowed unauthorized inquiries that have no permissible purpose to be reported on my credit file. I am asking that they supply me with the written authorization form from the creditors or remove the inquiries. I never spoke to or authorized these companies to pull my credit nor was I given any line of credit with these companies. This IS NOT a request for any fraud alerts to be put on my file. I just want the following inquires removed as no permissible purpose exists. 

1. XXXX 2 XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX. 

I am demanding that these 12 inquires be removed as Equifax did not have my permission to share my file with these companies. I did not apply for credit nor did I get credit extended to me. I have written them several times asking for verification or to have these removed and they refuse instead stating that they have to report these for 2 years. Not without valid proof of permissible purpose and they do not have this proof so they are in violation of the FCRA.
I received a call from XXXX from XXXX XXXX calling from XXXX, and XXXX multiple times. I had talked with him on XX/XX/XXXX at XXXX which i told him i would try to figure out things in about a week which he said was not good enough so I told him I would call him back on XX/XX/XXXX but i forgot to call. The next day someone from work came to me with a phone and it was XXXX telling me that I had to call him and he was being very stern about it. I told him he CAN NOT be calling me at work and i ended the call. Today XX/XX/XXXX I get informed that he had called me at work again. I also get calls during the day when I am not at home 4 times since XX/XX/XXXX.
We signed up for ClearOne Advantage to handle our debt situation. While with our other accounts we had been satisfied, our major account is when caused me to investigate further and realize that this company used a number of shady practices. 

XX/XX/XXXX, I began to receive calls and emails from ClearOne saying they had come to a settlement agreement with XXXX XXXX on a credit card, from {$23000.00} down to about {$9500.00}, in payments over a couple of years. While I was glad for a possible settlement, I was due to receive a sizable bonus XX/XX/XXXX and wanted to pay it off all at once, knowing a lump sum payment would result in an even lower settlement. I expressed this interest and set up a special draft for {$9000.00} XX/XX/XXXX. A few days later I began to receive calls notifying me that a settlement for {$8300.00} had been reached, but again spreading the payments out over a number of months, the first being {$10.00} followed by significantly higher payments the remaining months. I was told that this would be the best settlement, and that with a lump sum XXXX XXXX would actually want more money. ( This was later found by myself to be a lie ). This is when what only be described as harassment began. My wife began to receive numerous phone calls and emails every day urging us to accept the offer. While we were still hesitant and wanted to call XXXX XXXX to ask about a lump sum ourselves, due to the near constant stream of calls, emails and text messages we went ahead and accepted, with the full intention of calling XXXX XXXX ourselves and settling in a lump sum. What we were not told at the time was that by accepting this settlement we were also accepting the ClearOne Advantage fee, which was XXXX % of the ORIGINAL debt, to the amount of {$5800.00}. This, by their contract, is " locked in '' when the first payment is made ( which now shows me why the {$10.00} initial payment was made so promptly ). 

This was all discovered by me after negotiating with XXXX XXXX for a significantly lower lump sum payment of {$7600.00}. 

So, in the end I have XXXX issues : The harassment to accept the settlement I asked for a lump sum settlement for this particular account, and made funds available to do so. I was told this was not possible - this was a lie. 
When accepting the settlements, the fact that this would also accept the fees with ClearOne, with the amount of said fees should be part of the settlement agreement. So instead of the agreement simply showing the {$8300.00}, it should explain that it would also result in the {$5800.00} fee, to a total of {$14000.00}.
I received notification ( a letter and bank statement through the US Postal Service ) from Bank of America about a new Core Checking account that was opened for me. I did not open the account. I only have a credit card, which I have had for many years, with Bank of America. 

I called on XX/XX/XXXX to inquire about the account and to close it. I was told by a customer service representative that the account was opened online on XX/XX/XXXX. The representative transferred me to the Check Fraud Unit and I filed a claim and requested information on how the account was opened without my permission. I was told an investigation would take place and someone would get back to me. I did not hear back from the bank and the account remained open with a XXXX balance. On XX/XX/XXXX at XXXX XXXX, I called again and spoke with XXXX from Customer Service. She reviewed the notes on the account and said the fraud department was working on my claim. I called again on XX/XX/XXXX at XXXX XXXX and spoke with XXXX. She reviewed the notes on the account and informed me that a claim was open and assigned to an analyst. She took additional information from me and said she would ask the fraud department to respond with an update ( the fraud department was closed at the time of our conversation ). XXXX also advised me to file a police report, stated she would place a freeze on the account and informed me that I would not be liable for any account activity. She advised me not to close the account because it would limit the fraud analysts ability to research how the account was opened. 

As of today, I have not heard back from Bank of America and the account remains open. I would like to know who open the account, how it was opened without my permission and, lastly I want the account closed. I believe Bank of America has had ample time to conduct an investigation and owes me an explanation. 

Thank you in advance for your assistance with this matter.
Northstar Location Services - Collector Thursday, XX/XX/XXXX - initial call XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I have received follow up calls every week day since, even though in the original call I told them I would call back myself when I had any new information for them. I am being harassed and want it to stop immediately.
I payed Equifax to help with my credit My Social Security number is out on the web being sold or used by someone without my knowlage My name my address my account numbers my social security number My credit Are all at risk.or not I would like an ANSWER
They are calling 2-4 times in an hour. They will call from the same number twice, then call from other lines. I have told them over the phone this number is a work number and I can not receive so many calls.
I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  XXXX  and  XXXX  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by    XXXX   XXXX   XXXX   XXXX   ( "  XXXX  '' ).       An address change request was sent by U.S. Mail to loan servicer   XXXX   XXXX   XXXX  , LLC ( " UAS '' ) on   XXXX   XXXX   XXXX  4. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required . Statements for   XXXX   and   XXXX   XXXX   XXXX   indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these  XXXX  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.
I have requested LexisNexis in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days LexisNexis responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, LexisNexis has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that LexisNexis uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more LexisNexis was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Inaccurate Information, no d ocumentation received, company agreed in writing they would delete and has not been done. paid accounts are showing as late payments, old accounts continue to be reported and they are paid and closed and are more t han 7 yrs old.   XXXX  is the worst they wont delete anything or respond to inquiries.
Mortgage banker was deceptive in rushing through the process providing inaccurate information and stating that I had to sign documents more quickly than I actually had to review them. Suggested that I did not need to review documents prior to signing.
I took out a payday loan back in 2012 with Cash Store. I strongly believe I paid the money back. A couple years later someone contacted me posing as a police officer saying I still owed more money. He told me if I did not render a payment immediately, I would be arrested. He also contacted family members and disclosed personal information and my full social security number. Out of fear, I rendered a {$800.00} payment. It cleared immediately and I never received a confirmation email. Now years later ... I am being harassed again. They are very threatening ... Threaten to come pick me up and hold me without bail ... And say i have committed a felony. They will not provide me with anything in writing and want me to use money gram to transfer or wire the funds. They constantly pose as police officers and/or attorneys or investigators in XXXX XXXX. I have contacted XXXX XXXX court, and none of them are legit. No matter how many times I change my number they harass and leave threatening voicemails for me and my extended family. I feel the Cash Store has sold or shared my information illegally.