WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX, 2016 The collection Company Alltrans Financail L/P / United Recovery Services Debt Collector XXXX XXXX XXXX started calling, He was instructed to call back after the Holidays. XXXX,2016 at XXXX another call XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, XXXX,2016 at XXXX another call, and XXXX, 2016 at approximately XXXX XXXX XXXX XXXX Calls my place of employment and left a message with my supervisor for me to call him back at XXXX ext XXXX, on this date XXXX XXXX XXXX was given several verbal instructions not to call my place of work and to stop calling my phone, because the Company has a open debt they need to pay, I am only the Point of Contact for the Business Credit, So he threaten to place the bad debt on my personal credit report if I did not pay, Shortly after I ended up speaking with a Division Manger XXXX XXXX at XXXX ext XXXX. XXXX XXXX XXXX also stated that he is going me 24 hours to contact him with a decision on how the Debt going to be paid before he place the bad debt on my credit file, and I told him the Business Credit card was under a Federal Tax ID number and not my personal social security number, and IF use my social number without my permission it would be fraud if they place a company Bad debt on my credit file. As of today the company fraudulent misrepresentation it self by using information not provide by me.
I am contacting the CFPB in desperation as I have been trying to obtain a loan modification since XX/XX/XXXX with no success. my loan is an interest only negative amortization adjustable rate mortgage. The home is worth {$280000.00} and with arrears owed from XXXX/XXXX/XXXX at {$220000.00}, I owe a total of {$640000.00}. I had been working with Aurora from XXXX until the loan was transferred to Nationstar in XX/XX/XXXX. I am denied over and over for different reasons. Most recently for insufficient income. Since XX/XX/XXXX, I was using my business bank account for deposits but I had my account frozen XXXX from a debtor I was disputing and was able to get the funds released both times but I have not deposited any money into this account as I getting the money released takes time which I can not go through again. I use XXXX and submitted the invoices with the check cashing receipts to match up and a quarterly profit and loss explaining this with the deposit details to help clarify. I have been trying so diligently for so long to get a modification and resume making payments and have gotten nowhere except now, there is a scheduled foreclosure sale on my home for XXXX/XXXX/XXXX.
On X/X/17 we used XXXX which is a money transferring system offered by Wells Fargo. The amount of {$450.00} was sent to my sister in law that also has a Wells Fargo Account. The problem is that Wells Fargo sent it to a XXXX XXXX that according to them matched the email of the recipient. Because the transfer was done using the email they state that the account that was associated with that email was XXXX and not Wells Fargo. What makes things worst is that when she tried to retrieve the money she was told that she needed to open an account in order to collect her funds. At that point we called WF and were told that we had to contact XXXX. XXXX then said that WF made the mistake and that they are responsible to make the correction. After going back and forth with both banks on the phone we visited our local WF branch. After explaining the situation we were told that it is not a WF issue but a XXXX issue. After persisting with the branch manager they filed a claim to the " escalation team '' and that we should expect a call within 3 to 5 business days. On Wednesday we received a call from the rep that assisted us at the branch and relayed the information he received from the escalation team and that they are not sure if they can retrieve the money from XXXX and that the recipient should contact a XXXX branch " she already attempted that '' Once again we called Online customer care and after much explanation and over 1.5 hours being transferred we filed a complaint with the " resolutions team '' still nothing has been resolved. The funds are in limbo somewhere and WF states that it can take up to 10 business days for the investigation to be concluded. We feel this is abusive and un explainable on behalf of WF. We can not comprehend how they promote a service like XXXX but once a problem occurs they try to avoid responsibility for the mistake. After reading in the news the list of problems and complaints WF has been faced with lately, We wonder how they continue to get away with this kind of behavior. Please help ...
Dear CFPB, For the past year we have attempted to obtain a XXXX without success. Due to an attempted identity theft, our XXXX credit reports were frozen. XXXX uses XXXX for the XXXX processing. At their ( XXXX XXXX request I temporarily lifted the Experian freeze via the Experian website and re-applied for the card. Approximately 4 times during 2016 I lifted the freeze temporarily, applied for the card, and was denied. Each time the reason was that the Experian freeze was not lifted. All attempts to call Experian and speak to a person were unsuccessful. Experian seems to be excellent at avoiding direct customer contact by phone. 
XX/XX/2016, I requested Experian to permanently remove the security freeze on my account. The Experian confirmation letter is attached. XX/XX/2016 after receiving confirmation of the freeze removal, we re-applied for the XXXX and were again denied. The denial letter from XXXX is attached. The reason again is that the Experian freeze has not been lifted. Please contact Experian and / or XXXX on my behalf and attempt to resolve this. The problem seems to be with Experian not lifting the freeze.
this account, TN CHILD SUPPORT XXXX .... IS FRAUDULENT ... THE ACCOUNT WAS CREATED BY FRAUD ... AT THE TIME OF THIS ACCOUNT I HAD A CONTRACT AND ORDER TO PAY CHILD SUPPORT IN VIRGINIA.I HAVE NEVER PAID ANYTHING AT ALL TO THIS ACCOUNT.AT THE TIME I TALKED TO TN CHILD SUPPORT I INFORMED THEM OF THE ABOVE..THEY SAID THEY WOULD GO AFTER PERPETRATOR FOR FRAUD ... 
YET TN CHILD SUPPORT HAS CREATED THIS COMPLETELY FALSE RECORD AND NOW VERIFIED.I HOLD EXPERIAN ACCOUNTABLE FOR DAMAGES AND WOULD EXPECT CFPB TO FINE EXPERIAN AS WELL AS PAY ME STATUTORY DAMAGES,
Bought a {$500.00} US Bank Visa Pre Paid Gift Card from XXXX XXXX XXXX was handed an activation receipt at time of purchase. Called into Card Member Services XXXX to change pin immediately after and was sent to Customer Care agent who told me that the funds were there but the card had not been fully activated even though I had a receipt showing otherwise. Followed their instructions to fax required info to Card Activation department at XXXX. Called back next business day to confirm receipt of fax and information and was told by agent it would be at least XXXX business days before someone worked the issue. Called in again the next business day anyways just to see if the card had been activated and the card balance now showed {$1.00} so I pressed XXXX to speak to agent. Agent advised now there was a charge of {$490.00} on the card which was done at some XXXX somewhere using the card number and pin, which I clearly did n't make. Followed their process now to contact Fraud at XXXX. Faxed in information to XXXX and called to speak to representative in Fraud. Was told I needed to file police report and wait for them to mail affidavit before my case could be reviewed and to expect 3 to 4 months to get my stolen funds back. Asked to speak to manager and was told by agent nobody was available and they were outsourced by US Bank and they could provide me no further help or points of escalation on this issue and I simply needed to follow the process and wait. Found many other issues like this on-line with simple search. Clearly a larger fraud issue and I should n't have to go through this crazy process as a consumer to get my money back.
we have paid off the XXXX ford truck I want it off my account and paid off XXXX XXXX get it off my account and XXXX XXXX was a terriable place to live XXXX next door to us fighing I called the drug enforcement took 5 months to get something done I feared my life and to many fires at XXXX XXXX and the one owner no longers owns it I want wwant it all taken off this is not fair the truck was sold at a action and after it was sold we owed nothing we got money back take part XXXX off and the ford truck and XXXX XXXX I pd XXXX XXXX in full get it off my credit ... ... ... ... ... ... ... ... ... ... ... ..
Credit Bureaus are still reporting inaccurate information. Company advised that they will be deleting from my report, but they are still reporting with negative information.
On XX/XX/XXXX I applied and received {$600.00} payday loan by a company known as XXXX XXXX XXXX. In XX/XX/XXXX payments withdrew on paydays for {$190.00}, then 2 payments in XXXX for {$190.00}, It became overwhelming to repay and remaining payments were returned by my banking institution. I was contacted in XX/XX/XXXX by XXXX XXXX   stating they had a check they were investigating and threatening legal action. I returned the call and agreed to three payments of {$500.00}. The first two went through and then I was advised not to pay them anymore due to certain rules for payday loans and the amount of interest they can charge the consumer. Today, XX/XX/XXXX they called my work and spoke with a coworker and requested to verify employment but then also stated to my coworker that they were investigating a check. I was so embarrassed when my coworker approached me with the message. I was under the impression they can not discuss any of that with employers. I called their number tonight and requested a recorded line and stated they are no longer to contact me at my place of employment.
Capital One, without any request by me, disputed an entire month 's purchases on my card ( {$6100.00} for the period XX/XX/18-XX/XX/18 ) after I had fully paid the balance. Even though the charges were disputed by an error on their part, no credit has been issued to my account as promised in the letter that notified me of all the disputed charges. 

My life, my business, etc. have been upended due to this situation. Things like my electric bill, wireless phone for each family member, XXXX XXXX, health insurance, XXXX account, XXXX account, business internet, etc. have been frozen or dropped due to the disputed charges each has received. I have had to pay most of these debts a second time by other means in order to keep my accounts working and my business running. It has been a nightmare!! A great example is my wife and daughter traveled from NY to XXXX last Thursday on tickets purchase during the time of the disputed charges. When they went to check in for their return flight on Sunday, the tickets were cancelled due to the disputed charges and we had to repurchase them at a substantial additional cost. 

I have spent more than 10 hours on the phone with Capital One trying to get to someone who can help resolve the situation. Each call I have been told that someone would call me back. I have never received a call. I have spent dozens of hours with angry businesses that I paid during that period who are irate that I charged back their payment. The situation is destroying my reputation and likely my credit score. 

At this point, Capital One has stolen {$6100.00} from me. I have paid them fully for these charges and I am now having to pay them all a second time to make the payees whole so that my life can continue. Capital One has received my {$6100.00} as a payment via wire transfer and clawed back that amount from payees through the dispute process. 

Please help!!
I have disputed on multiple occasions with the CRA 's and directly to the creditor, XXXX XXXX. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The CRA 's keep concluding my disputes as validated accounts, and they do not correct or delete the inaccurate the information. I requested the CRA 's to reinvestigate the wrong past due amounts, and wrong balances that's reporting on my credit reports. How can a credit card company report a credit card with only a {$3000.00} limit, with having a past due balance of $ {$770.00}. That's impossible. I requested proof that I owed this balance and I have NEVER received any proof that I owe this outrageous balance. The 3 credit bureaus are also reporting conflicting, information. I mean don't the credit bureaus all contact the same creditor and aren't the creditors suppose to provide the same, accurate information to ALL the CRA 's? So if they are actually verifying the information that the creditors are providing them, then my credit reports should all look the same, but they DON't! Because the CRA 's and creditor, Capital One are reporting wrong information, I'm at a 200 % revolving credit balance which is severely impacting my credit score negatively. I have requested on many occasions for the CRA 's to conduct reasonable investigations regarding the information on my credit report, but they have failed to do so. In a re-investigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. I have included copies of the credit reports, the different reported information that's been inaccurate for many years. I have alerted to the accusation that the accounts were inaccurate, and then confronted with the credit grantors ' reiteration of the inaccurate information. However, XXXX, XXXX, and XXXX continue to rely on the inaccuracy of the creditor and did not re-investigate or verify that the information provided by the creditor was in fact complete, accurate and true.
I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # : XXXX
I found out that Midland Funding LLC add a collection account in my XXXX credit report. This account does n't appear in the other XXXX Credit The actual amount that appears as a collection is {$8000.00} dollars. In the report appears that the account was open in XX/XX/XXXX and on XX/XX/XXXX for {$5500.00} dollars. It shows " XXXX '' past due, Status : Collection. Also, appears on my credit report : Factoring Company, Original Creditor : XXXX. I called Midland funding and they told me that this account has a judgment against me issued in XX/XX/XXXX. They did n't want to provide me with the original account number or creditor, they told me to go to the court if I need any information. XXXX the person at Midland told me this account was originally delinquent in XX/XX/XXXX and then when I asked her who was the original creditor she said I can not give you any more information because you already have a judgment in this account. I never opened any account with XXXX. If the account was delinquent in XX/XX/XXXX how can i have a judgment against me in XX/XX/XXXX!!! I do n't know what to do. I was never served or had any information about this to dispute it and defend myself. I never got the judgment either. I do n't understand how a judge could judge a debt against me without documents that proved the debt or the identity of the person. 
I am complaining about not receiving a notice of right to dispute the false debt and for no receiving information about the account number, amount of the debt, or name of the original creditor.
Today, just like other days, I had called Auto Now Financial Services because they constantly call me, and my family to harrass me about making payments after I 've made arrangements. I asked the representative why the company continues to call and harrass me about making payments after I 've made payment arrangements, that I go through this all the time when I call, due to them having no empathy for a customer 's situation. She proceeded to get disrespectful, saying they will take the car unless I paid them by Friday, that they could n't wait till next Wednesday the XXXX as I agreed. I told her she could n't threaten me, and if that 's what they want to do, then do it. I asked to speak to a supervisor, but she hung up on me. I called back again, and the same representative answered. I asked her to speak with a representattive, and she hung up. I called back again another representative started off being disrespectful after I asked to speak with a supervisor. I told her not to talk to me that way, and I needed a supervisor. She calmed down, and claimed they were in a meeting, and wo n't be available till an hour later. So I waited till I got off work to call back. When I called back, I asked for a supervisor. I was aske for my information, and then I was transfered to XXXX the XXXX. He was so cold after explaining my situation. He insisted I made an arrangement to pay on the XXXX of this month, when I said I would pay on the XXXX. I told him to listen to the recording. He isisted his notes were right, and would n't pull the recording. He told me that was n't his problem, to pay now, or he 'll have my car towed. I told him I wo n't pay now, 'cause I do n't have it now, to do what he had to do. So he told me he is sending his tow truck out right now to tow my car, and asked is my at an apartment company which he named. I told him yes, and he said they are on their way to get it. The whole time he was on the phone talking he kept saying things about my XXXX XXXX, like what am I teaching my XXXX XXXX by not paying my bills, if I take your car, how can I get my XXXX XXXX to doctor appointments, that I need to manage my money, pretty much saying hurtful things, yet not trying to work with me. This is all after explaing to him I lost my job working from home due to my apartment flooding. Again he said it was n't his problem, that I needed to pay my pill, and asked me for my work information to send a fax to know what I make, and my pay dates. Of course this set me off, and I let him have a huge piece of my mind. And after him threatening me to tow the car so many times, I told him to take it. After about an hour of us raising our voices to each other, and the direspect. He calmed down, which made me calm down, and we were able to come to an agreement. If he just was the person he bcame in the end at the begining of the phone call, things would have been fine. Majority of this companies customer service is very rude, and inconsiderate.
A Dear Sir : My name is XXXX XXXX My account number with State Farm was XXXX. The account was in my diseased husbands name. 

I am from XXXX XXXX and I am XXXX years old. I am victimized with this account by State farm.My husband XXXX XXXX XXXX and I took out this loan of {$30000.00}. Unbeknown to me he was borrowing much more money that I was not aware of. He was very sick at the time and receiving XXXX XXXX.Then when he went into intensive care.I found out what he was doing I called and .stopped his borrowing.I paid an increase payment. I paid off the loan around 2013. I borrowed money from the XXXX XXXX for the amount what XXXX owed.Where I came from XXXX we grow up that we do n't have money we do n't spend and we owe money we pay no matter what. I think State Farm did wrong to me each time XXXX borrowed more money they should have notified me the spouse and it and I should signed by me also However, I signed for a small amount for help him out. No State farm people told me or explained to me that he could continue borrowing without my knowledge.I would like someone to look into this matter at this time. I would like you to investigate all the my history with State Fram business. Please look into this matter so I do n't have to live with terrible feeling about all about this acct. I paid off over {$82000.00} to State Fram I borrowed from the other bank to pay it off. Please. Check this. What can you do help me feel better with State Farm I really believe in State Farm. I always deal with State Farm I feel there are something can be done by authority. I am victimize by working so hard not being at home. I did not know State Farm and my husband could do this no matter what I paid off. Now Sate Farm should do the something like this case should change people like me from oversea work so hard and ending is disappointment. I would like see some truly caring people .I have two personal friends that are lawyers who would like to read the contract.
I have an XXXX credit card. I set up auto pay before going to boot camp in 2013. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and XXXX are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. Im looking to buy to a house after I get back from this XXXX in couple months and would like this to be resolved. 
Thank you for your help
In XX/XX/2014 my father died. A person ( now deceased ) removed monies from a Chase savings and checking account that belonged solely to my father. That Person was not signator. Chase has repeatedly refused to explain or provide an accou t beneficiary form. these are the two accounts # XXXX {$9600.00} # XXXX {$6600.00}. The estate of XXXX XXXX is now closed as the heir I am requesting the the CPFB have the bank Chase # XXXX return the stolen monies. The bank had no right to release any of that money and they owe me.
I made a previous complaint about a month ago ; I had a private loan transferred from XXXX to XXXX XXXX XXXX and was not informed of the change. While that previous complaint was resolved, I continue to have problems with the XXXX-XXXX   transition. My issues are below : 1. While my private loan has finally transitioned over to XXXX and I am able to pay online, the monthly amount requested is totally different. XXXX   extracted from me {$180.00} per month for my private loan, most of which was principal. XXXX is requesting {$86.00} ( See attached images of monthly loan payment ). Why is this amount different? How much of this is interest, and how much is principal? Since the terms of my loan are unchanged and I am not ( nor have I ever been ) on a payment plan, I expect to pay the standard interest rate and principal per month. 

2. My public loan that was previously being serviced by XXXX has now disappeared without a trace ( see XXXX documentation from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been notified by XXXX of this change. The loan is not in my new XXXX queue, and when I called XXXX, they told me that this loan ( of approximately {$9800.00} ) is not being transitioned to them. Where did it go, and how may I pay it? 

MEFA will not respond to my queries about where my second loan went or why my payment rate has changed.