WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo Dealer Services continues to contact my family despite having been asked not to do so multiple times. This week, they contacted both of my sisters. They identified themselves as Wells Fargo and asked for a phone number to reach me. They have my phone number and my payment is not 30 days past due. 

In the past, when I have called representatives from the company have been also been incredibly rude and uncooperative. They also at one point billed me for insurance. Had I not noticed and complained, I would have ended up paying over {$1000.00} throughout the year. 

I regret having secured an auto loan with this company and will refinance as soon as I can with my local credit union.
I did not authorize XXXX XXXX Services on XXXX XXXX, 2017 to run my credit. And I constantly asked them to remove inquiry on my report to no prevail.
Commonwealth Financial Systems, Inc on behalf of XXXX XXXX XXXX is trying to collect an invalid debt. They have been notified and a fraud affidavit provided, but still reported to credit bureaus. This account was removed from my credit reports after previous complaints about other debt collectors ( XXXX, XXXX XXXX ) hired by XXXX. They keep shifting to different collection firms.
I have contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report.

Ocwen Loan Service ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by Ocwen to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with XXXX, XXXX and XXXX  as well as Ocwen, but in each case credit bureaus have reported that Ocwen 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by Ocwen.
Nationstar filed a 30 day late notice to all three credit bureaus after I was late in XXXX 2016. I paid XXXX 2016 and informed them that I would have to make a double payment in XXXX 2016 for both XXXX and XXXX. I followed through with my XXXX and XXXX payments on XX/XX/2016 and have been current ever since. Nationstar filed a 30 day late notice with the bureaus which has negatively impacted my credit score. Additionally, they called on me to refinance our mortgage since we have equity but declined due to my credit score which was adversely impacted by their reporting.
COLLECTOR FAILED TO CEASE AND DESIST COLLECTION EFFORTS AND KEPT CALLING MY HUSBANK CELL PHONES 66 TIMES AND MINE XXXX TIMES.
My family, and our neighbors, have received repeated calls from a collection agency ( I think it is Pioneer Credit Recovery ) whose number they gave for call back is XXXX. However, the last number I received a call from is XXXX. Apparently they are trying to collect a student load debt from a gentleman in our neighborhood and have resorted to calling this man 's neighbors about the debt and asking us if we can get a message through to that owes the debt. They have even gotten the cell phone numbers for my family members including my XXXX year old daughter and XXXX of my sons. They called my son at XXXX Mountain time this week and he told then to contact me. They did contact me at XXXX and I proceeded to tell the woman that what she was doing is harassment and that the man 's neighbors have nothing to do with the man 's debt and no responsibility to help them collect that debt. Even more so, I think it is totally inappropriate for them to be letting the man 's neighbors know that he has uncollected debt! I asked the woman to take us off of her list and hopefully they will do so but wanted to alert you of these harassing practices. Thanks,
Receiving collection notice from The Northland Group via XXXX XXXX XXXX Bank. I have received letters on dated XXXX XXXX, 2015 to my cosigner and XXXX letters dated XXXX XXXX & XXXX to myself and my cosigner stating that XXXX XXXX XXXX bank has provided our information for collection activity. My loan through XXXX began being serviced by XXXX XXXX XXXX XXXX XXXX ) in XXXX. Regarding whatever the payment is, A representative from XXXX never attempted to contact myself or my cosigner. I also contacted The Northland Group via a contact form on their website stating the issue and that my loan 's payments have been sent and received by XXXX. I have not gotten a response other that the XXXX letters recieved today XXXX XXXX, 2015 that I mentioned earlier. XXXX notified me In XXXX 2015 of this change. All supporting documents will be attached.
I called XXXX XXXX last XXXX XXXX with my ex husband present to get the bill out of my name since we were getting divorced. We called XXXX XXXX and spoke to a rep and told them that he was taking over the services since I was moving from the Residence. In XXXX XXXX I received a letter stating that I was sent to collections for unpaid debt to XXXX XXXX. I called XXXX and told them that I have n't lived at that residence since XXXX XXXX and that my ex husband and I called in XXXX to have services changed in his name and that this was not my responsibility it was his. The guy I spoke with told me that the notes noted on the account corresponded with what I was telling him and all I needed to do was write a letter stating what happened and when and that we put the services in his name and that he would be responsible for any payment. The bill was up to date when I left there. Then just this past Monday evening XXXX XXXX XXXX I received another letter in the mail saying that I was sent to another collection agency from XXXX XXXX. I called the Agency XXXX XXXX account # XXXX and spoke with XXXX and told them the same thing and that I submitted everything they told me to do back in XXXX and that we both called in XXXX to have the services put in his name. I was told that they could not help me and that I needed to contact dish so I did. I called dish at the # he provided XXXX. I spoke with XXXX first and he told me he was going to transfer me to the assistant president XXXX. XXXX told me that everything I said was noted and that I did change the billing information but the equipment was still in my name. XXXX had cancelled the services and has not returned the equipment. I told XXXX that I was not responsible for anything that we had called back in XXXX to have it put in his name. XXXX told me yes you did but you did not the equipment and that there was nothing he could do. I said I am not paying for something that I done exactly what I was supposed to do and that who would change just the billing info and not the equipment that was not right and why would they do people that way. He said that is how there company works and I said yes trying to mess people out of their money and that is not right. I told him that I could contact the XXXX Consumer Financial Protection bureau and the att ; General. He said that he still is not going to change anything because I threaten to go to them and I told him that was not threat I was going to especially since this has made my credit score drop. The reason I know my credit has drop is because I just applied for a loan to buy a house and my credit score was lower. The bank lender and I could not figure out why and then I received this letter, so that explained it. I work to hard for my money and my credit to have it ruined. I need this fixed and made right ASAP or told what I need to do to get it done. Please contact me at XXXX or XXXX and let me know. Thank you for you time.
I w

as forced to work with Navient because apparently I had defaulted and needed to " rehab '' my loan prior to consolidating. My loan was assumed by Navient in XX/XX/XXXX - the following two years I sent navient payments but never saw any payments toward my principal. I fought with them ALOT while they serviced my loans, but nobody was willing to help me. The basic attitude was I couldn't do anything to get this consolidated unless I just kept paying them, so I did. In XX/XX/XXXX I was FINALLY able to get the loan consolidated. At the time that I was able to consolidate, I had paid around {$980.00} to navient over a period of approximately two years. In that time, my balance INCREASED {$490.00}. In summation, I somehow came out of the " rehabilitation '' period at a {$1400.00} DEFICIT. I have since managed to get out from under Navient 's thumb, however, I believe that I am entitled to at least the {$980.00} in payments that I made. At no point was Navient cooperative in my eyes. And I believe their tactics were threatening and predatory.
TransUnion is reporting a dismissed Bankruptcy that is damaging my credit and opportunities of new credit as if the Chapter XXXX Bankruptcy is completed. I am XXXX and have been denied affordable and accessible housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact courts they are responsible. I received a letter from the courts after inquiry stating that they are not reporting. This is already public record and they do not report to any credit bureaus. I am being penalized as if this Bankruptcy actually went through. I filed papers in XX/XX/XXXX/2011 and it was dismissed in XX/XX/XXXX/2011 due to my inability to follow through because of declining health and insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the forgiveness of debt or relief.
I used Care Credit several years ago to pay for dental work. Since then, I 've had to call them several times to report " erroneous '' fees applied to my account. After paying off my account this past XXXX, I asked them to remove me entirely from their system. However, most recently I received a Care Credit XXXX that I never requested. When I called to complain, they said I had received a mailing saying that I had been prequalified and that I needed to " opt out '' if I did n't want the card. The customer service person ( XXXX, employee number XXXX ) told me that the card was issued because I did n't opt out even though I was given " plenty of time to do so. '' Given that I receive " pre qualified '' notices all the time, this seems incredibly deceptive. I am willing to take whatever steps or provide whatever information I can to stop this company ( the representative said Synchrony bank issued the card ) from scamming other customers.
I received a notice in the mail onXX/XX/XXXX, sent from ACE Cash Express , Inc on XX/XX/XXXX, claiming I had " cashed the following check ( s ) identified at our place of business. However, upon the checks deposit and presentment, the financial institution refuse to honor payment. Since we have been unable to reach you, we request that you contact us promptly at XXXX XXXX XXXX XXXX XXXX to  resolve this matter. Failure to resolve this matter may result in additional actions. '' It's then listed check number XXXX, dated XX/XX/XXXX, maker listed as bill pay check multiple makers, for the amount of {$270.00} plus a fee of {$30.00}. 

Upon calling to inform them that I have never been to their establishment my entire life nor have I received a check in any form in the past 3 years and that there was no way that this could possibly be for me, I was then transferred to XXXX XXXX, the name listed on the notice. She seems confused over the error, and on three different occasions requested that I verify the last 4 digits of my social security number. She also claimed that all of the information including my address and my name were correct but it appeared my social security number might be off. At a different point she requested my full social security number and asked me to verify my middle initial. She then said that she was going to have to work with her manager to figure out what the problem was and would get back to me in 2 to 3 days. 

Return address on the envelope is XXXX. XXXX XXXX XXXX, TX XXXX
When paying off my final payment after closing my account with Capitol One, the customer service rep asked if I wanted to round up to the next whole dollar amount.
I contacted : NAME : XXXX XXXX XXXX XXXX XXXX ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : www.focusrm.com on XX/XX/XXXX by email. I noticed that this company is reporting inaccurate information on my credit file. I attempted to contact them but with no success. I then filed a claim with the XXXX on XX/XX/XXXX. XXXX case number is : XXXX. I again received no response from this company. 

I am looking to seek damages in {$1000.00} per breach of FDCPA in addition to having this inaccurate, incorrect information removed from my credit file. 

Please assist.
stellar recovery dba XXXX keeps putting open accounts marked as past due on my credit reports i have disputed and had them removed 4 times since XX/XX/2014 they keep adding them back on my credit report even after admitting that these accounts are n't mine ... this is having a very negative affect on my scores and preventing me from buying a house
I would like to have a US Regulator to look into the previous complaint XXXX. 
The agent representative closed the complaint without any assistance given. 
Furthermore questioned my integrity on this matter saying is not phone records in what the Customer Service told me about removing the late fees on a Chase Credit Card it got closed without mine knowledge. Also in that letter said the monthly statement I did n't receive it does n't show be returned to them, even " I told their customer service few months ago sometimes my mail got lost I do n't received non just from Chase '' At this time I would like to report violations to my consumer rights under the FDCPA due to Receiving Early morning and late night collections Phone calls, also reporting bad credit to the credit Bureau agencies and to stop sending Monthly statements on a dispute that I currently I have about their late fees. Chase it looks its ignoring and do n't respect the FDCPA, if they continue with this behavior for I may file legal action against them.
Originally filed for loan modification with XXXX XXXX XXXX in XX/XX/XXXX latter part, they sold mortgage to Select Portfolio servicing but not until they had set a sale date.I filed a complaint with you and once Select picked it up they stopped sale and allowed me to start new modification I immediately sent in all docs, not once but several times I was sent confirmation they received all and that no more was needed.i waited, sent emails to relationship manager unanswered, but received letters stating they received my request for status.Never was there a request for any more info. Then yesterday I received a sale date of XX/XX/XXXX.I immediately phoned and was given the run aaround and a list of docs still needed and was told they tried conacting me by phone to a number I NEVER gave them or ever had ( they have phoned me on line given in modification papers. Was told that I can resubmit but that it WOULD not stop the sale date if not in review and completed. Is this not Duel Tracking?????? I am sick at this point. I have complied with everything from the get go.
XX/XX/2016 Dispute 1 : slammed with GAP insurance. No signed agreement. Refuse to recalculate loan with GAP insurance removed and not disbursed over 36 payments. 

Dispute 2 : Charged 29.95 % on sales tax, and disbursed over 36 months.

Dispute 3 : XX/XX/2016 paid receipt not applied to account. ( See receipt and account print out. ) Dispute 4 : Fee simple loan they are allocating over payments to their interest. See print out, Interest.Recast # nn nn is future interest payment
My credit was pulled without knowledge on XXXX XXXX and XXXX. XXXX made XXXX unauthorized inquiries on my credit report. Equifax gave me the following address : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I tried contacting the company and was unsuccessful. I called XXXX XXXX business licensing. They do n't have a record of this company. I am in the process of closing on a home and got denied because of the above inquiries. I am trying to get the inquiries removed ASAP.
My father in law passed away unexpectedly and had a home equity loan from Sovereign Bank. There was a XXXX dollar balance on the account when he passed away and we paid the balance, even though he had mortgage insurance. We sold the house and were told that we would have to pay a XXXX dollar penalty because we closed the home equity line early, even though he had died the bank stated that " these are the rules ''. A complaint was filed with Sovereign XXXX years ago with no resolution.
My account was paid in full - and due to fraudulent activity charges were made to my account. After many conversations with US Bank, these transactions were reversed, confirmed that they were fraudulent, but US Bank never contacted the credit bureaus to wipe the late payments from my credit report.
From around XXXX to present I have dealt with pay day loan company. I was told that my credit score was to low to get a large loan so it has been in around {$300.00} plus that I started with, then they gave me a second on a car that was {$1800.00} in XXXX. They have changed management now but the manager that I was dealing with gave me the title to the car and marked it paid in full. Now the new management is saying that it was not paid off but transferred and combined with the other loan. Now they are saying that I owe {$10000.00} it is XXXX the other manager gave me the title back because he knew that it did not take 4 yrs to pay off a XXXX loan. my payments were almost {$400.00} a month and they told me that I could not get big loans because of my credit this why I had to get the XXXX car, and had to get the loans for around {$300.00} but now I owe them according to their records that show that I got money that I didn't get and that though I was given my title to my car, I still owe for it. My payments dropped because I raised such a ruckus but they are still XXXX a month. I know that I don't owe all that money and I need someone to step in on my behalf and help me with this. They have mediation but it is their mediators.
Within the past couple of years I have had so many issues with the student loan servic e Nelnet. It  all began in   XX/XX/XXXX . My family  had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mai l in  XX/XX/XXXX  a bout my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to  Nelnet. I nev er received confirmation that I was approved or denied. The letters stopped and I did n't worry.  In  XX/XX/XXXX  I re ceived a letter informing me th at Nelnet was  reporting me to the credit reporting bureaus because I had passed th e 90-day late payment mar k. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a yea r. Since  XX/XX/XXXX , I  have been told that no such " forgiveness '' exists and I have been told that I was contacted in   XX/XX/XXXX  via  email address that was provided by my schoo l in  XX/XX/XXXX . I  asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just  XXXX  it up and deal with the damage toy credit.
for 4 yrs straight they garnished my full tax refunds from XXXX ( each yr i was getting back over {$4000.00} ) and years after partially garnished. 
I am still getting mails about a balance am owing and I was making payments biwkly in XXXX and XXXX.Now when I logged on to website is showing all of a sudden I have a zero balance.
it has been more that 10 years since I had a account with XXXX. she not be on my account not mine.
when I purchased my Honda Financial Corporation/ XXXX XXXX XXXX  XXXX XXXX   on XX/XX/2012 They offered me the GAP Addendum the Cost {$750.00}, after I payoff I received a letter stating If I purchased GAP coverage ; I was able to request a refund of any unearned premiums, one year ago communicated with the Dealer and XXXX  XXXX XXXX but non of them were able to help me ; I requested my refund to XXXX XXXX XXXX but they told be to contact the XXXX XXXX XXXX and vice versa both companies refuse to help. I communicated once again with XXXX XXXX XXXX they give me a web site where I can summit the payoff my car the way i can get the refund but I never received any responded or a refund from XXXX XXXX XXXX, its been a year and still waiting for them to communicated with me, as a consumer I believe we have rights this corporations do not treat consumers well we deserved respect, I am requesting an investigation for this corporations Honda Financial Corporation/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about GAP Addendum unearned premiums because the need to refund to the consumers and complains about this corporation. Honda Financial Corporation/ XXXX XXXX XXXX   XXXX XXXX needs to review closely the companies that they offered products to their consumers because we trusted them on getting this GAP Addendum but do not know that those companies won't seek the benefit of the consumers for the reason I won't Trust this companies Please can you help me with this matter.
there is 5 accounts with RashCurtis & Associ acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to XXXX that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}