WillisBack/dataset-financial-user-claim huggingface dataset:
My expense account was not paid from my organization. XXXX XXXX referred the account to GC services XXXX. At approximately XXXX XXXX XXXX called my cell and left a voicemail. At XXXX, my husband called and told me he spoke with XXXX XXXX and she disclosed that there was an outstanding debt. 
This is in direct violation of the FDCPA ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a pos tjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
I obtained a XXXX Mortgage as well as a XXXX mortgage on my home XX/XX/XXXX with Wells Fargo Bank. I lost my job of 27 years, at the age of XXXX, XX/XX/XXXX, and after 2 years, spending all of my life savings of {$150000.00}, still unable to find work, I was forced to file for bankruptcy protection in XX/XX/XXXX. In that filing, IT IS A MATTER OF RECORD THAT I REAFFIRMED both mortgages with Wells Fargo. The industry being in the mess that is was, I never received confirmation letters confirming my reaffirmation on both loans, no matter the number of attempts made. In the entire life of each of these loans, before, during, and after the bankruptcy filing, and continuing to this day, I HAVE NEVER MISSED A SINGLE MORTGAGE PAYMENT NOR HAVE I EVER MADE A SINGLE LATE PAYMENT ON EITHER WELLS FARGO LOAN in almost 10 years of paying the XXXX and XXXX mortgage. Yet, all three credit reporting agencies report that the mortgages were included in the bankruptcy filing rather than reaffirmed. I have contacted Wells Fargo repeatedly, filed credit complaints, provided the history, and Wells Fargo 's answer is that, notwithstanding the fact that I can prove both were reaffirmed, since they never confirmed that fact, they will not correct the record. 
I have suffered substantial and continuing harm from Wells Fargo 's egregious refusal to correct the record, such that my credit scores are as low as in the XXXX 's notwithstanding a perfect payment history with that bank and all others, with the exception of the bankrupted debts which did not include Wells Fargo Home Mortgage. 
Please tell me what can be done to correct this injustice. 
Thank you
My military star card was paid off in a bankruptcy. The company has ignored my request to update the status of the account as " current in accordance with bankruptcy ''.
I was trying to change {$100.00} dollars to bitcoins it dint happend a now i have {$98.00} dollars missing from my accont ( wallet ) y only have left {$1.00} Ive been sending emails and trying to get a phone number to contact for the las 4 days and im still have no answer from the coinbase staff
I -- like many -- was a part of the recent Equifax hack. I have since frozen my credit with them, XXXX, and XXXX, but losing control of 140M records is unacceptable. I do n't consent and have never consented to any credit bureau collecting information about me, but somehow, they 're allowed to control and influence many of the decisions I make in my adult life. Now that my private and personal information is floating around somewhere, I have to take measures I normally would not have had to take to protect myself -- probably for the rest of my life. 

This corporate negligence can not be ignored, and Equifax trying to get out of this situation by offering a year of free credit " monitoring '' to their victims does nothing to resolve the issue.
There have been several hard inquiries on my Credit Report from Equifax and XXXX that I did not apply for these credit cards. I need these to be investigated. 


XXXX XXXX - on XXXX from XXXX XXXX - on XXXX from XXXX   XXXX - on XXXX from XXXX XXXX - on XXXX from XXXX XXXX = on XXXX from Equifax XXXX XXXX = on XXXX from Equifax
In XXXX Ocwen Loan Servicing contacted me to offer a Home Affordable Loan modification under the government program, They represented the loan would extend the term, lower the interest rate and reduce some principle. After receiving the loan modification there was no extension of the term. I was informed that the modified loan would prevent me from refinancing for 1-3 years, but I could apply for additional loan modifications to restore the original offer of extending the term which was the MOST important modification that I needed and asked for. 

I applied 4 times only to be denied each time. This is the first attempt for Ocwen to prevent me from refinancing. 

I was notified in XXXX that the loan was due and payable in full on XX/XX/XXXX and no partial payment would be accepted, so I started conversations with lenders to refinance the loan. Ocwen then contacted me in XXXX of XXXX notifying me that the next payment for XX/XX/XXXX was due. I paid the XXXX payment and it was cashed and posted to my account. 

Ocwen then notified me that the XX/XX/XXXX payment was due and I made that payment on time also. Ocwen then returned the XXXX payment and marked my account past due. Ocwen repeated these steps of notifying me that payments were due for XXXX, XXXX and XXXX of XXXX and then returning ALL on those on time payments that were made. I made all the payments because Ocwen sent statements asking for payments and I did not want to have any late marks on my credit. 

Ocwen proceeded to mark and report my account 60, and 90 days past to all the credit reporting agencies, XXXX, XXXX and XXXX. even though there was no 30 day past due reported. This effectively prevented me from refinancing the loan a Second Time.
Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my TD Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.
I received a call from American Accounts and Adviosrs from phone number XXXX on XXXX/XXXX/2016. The man/woman i spoke to asked to speak to my first and last name, i acknowledged that was me, they preceded to state the bill I owed and asked if I had means ro pay it today. I said no, my husband was in a XXXX and we have many bills. They then made what I considered a very rude comment, so nobody is getting paid? That is not what I said, they got irritated when I questioned their demeanor. I then stayed I work in XXXX and they should verify more than my name and should state the mini Miranda. The person I spoke to was rude and accusing, I was not dealing with them and advised I would be reporting them and ended the call. I always pay my bills, it may not be timely for some but I always make good on my accounts and do n't appreciate someone teying to down grade me. Even if I had the money today, I would not have paid that person ( not even sure if the disclosed their name ). Unfortunately these are the people that give XXXX a bad name, working XXXX for the last 12 years of my career find it very rude.
I ha ve been a Macy 's  card holder for a few years now. I had a payment due  XXXX   XXXX  but since they NEVER updated my address ( I move every year or so due to rent increases in   XXXX   and it takes them repeated attempts to change my address ), they sent my bill to the wrong address and then I got it late -- paid it  XXXX   XXXX . Starting  XXXX   XXXX , I have been receiving phone calls from phone numbers in  XXXX   (   XXXX ,  XXXX  ) NONSTOP. I figured it was a salesperson because ever since I went to the  XXXX   XXXX  concert with my mom and gave them my phone number in a raffle, I 've been harassed at all hours of the day -- but that 's another story. When I finally answered and found out it  was Macys, I  almost fell off my chair. I mean, really?! A few dates late and already they are calling me -- I have received  14 phone calls in 52 ho ur period, all I have screen shots for :  XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX  :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Does that sound reasonable?? I mean this is so ridiculous. And the payment I made in  XXXX  was on time, with no late fees or any extra fees. So basically they are harassing a loyal and good custom er 14 times in le ss than 3 days because of being 6 days late on a payment -- due to an address change!   And there was  NOT ONE  voice message left in all those phone calls so that I knew who was harassing me and could have dealt with it.   This is true harassment and something needs to be done about this. And I 'm not the only one, I 'm sure.    XXXX   XXXX
The account with XXXX XXXX XXXX XXXX in the amount of XXXX was closed due to repossession on XX/XX/2017 and I would like for the tradeline to be remove or deletes from my credit report..
There were a lot of citizens bank account opened fradulent in my name. I have tried to fix this because this is reported to both XXXX XXXX XXXX as well as XXXX. I did not authorize for any accounts to be open with a online bank.
The problem is that the payment is {$540.00} a day which is too hard for me. I didnt understand that I will have to pay {$540.00} a day. I thought it would be weekly. Also, when they told me the rate is 1.1 %, I thought it was monthly but they meant daily. I feel like I was trapped into this loan.
XXXX XXXX works with a company called XXXX to send money. 

When set up, I was assured that I could send {$1200.00} a month to my landlord. 

Today I could not. I was told that my limits were lowered and was unable to send it. 

Apparently capital one does not have to notify you if they change your limits and there is no way to raise the limit to the monthly promised amount due to security. 

Now I can not pay my rent on time due to this misinformation.
Portfolio Recovery constantly calls my cell phone and all of my Family members. They 've harassed me for over a decade. They change their name and number, but use the same tactics. We just block them now, but I thought they were suppose to stop all this after your Bureau forced them too. I like a part of life now, blocking XXXX-XXXX different phone numbers per week. Some of the debt is over 10 years old. Obviously their system is still profitable if they keep harassing people. 

It 's just like banks charging outrageous overdraft fees, setting up transactions to benefit themselves. Sure, the Government sues them, and companies like XXXX just settle out of court. Does n't stop them, they just consider it cost of business to deal with fines, they can afford it. 

These companies prey on those who struggle financially, because they know it takes money rot fight back. Pure evil.
This is not my debt ... Account was never verified ... They refuse to take it off. I was XXXX XXXX when the account opened.. I like to dispute
Problem with fraud alerts or security freezes I have a credit card from Citibank and they blocked my card claiming that could be a fraud every time I tried to make a purchase.I only got the card less than a week and tt happens three times in five days.

They only way to get it unblocked is to call the fraud team of Citibank then to receive a code from a call or text or a latter from mail.The first time I could receive a code through text message.The second time they said I can only get the code through a voice call and I live in an area with barely no service so I have to drive to downtown to get the voice call to get the code.But when I try to call back they said I need to call them thought land line so I drove back home to call them with my land line then they said the code was expired.

I finally got off the hook from taking with a supervisor using that code.This doesn't make any sense at all.

Two days letter I found out my card has been blocked again for no reason this time and this time the fraud team said because I have used text or voice call to get the code too often so I can only do it through letter from mail which could take 5-7 business days.This is making completely no sense.I used my phone to receive the code too often was because Citibank keeps on blocking my card for no reason.

The fraud team also said I can not make any payment or close my account when the card is blocked but there still will be interest and late fee! And I can not even get it done in person in branches.

So even I can get it unblocked this time, I will still have to wait for the letter from mail to get the code every time I try to make a purchase in the future.And it will take 5-7 business days to receive the letter.This is ridiculous long waiting time trying to use a credit card on a regular purchase.
Synchrony Bank ( Wal-Mart ) is the subject of this complaint. On several occasions ( all calls were recorded on my end, in consideration of Missouri law ), Synchrony Bank has received payments, collected the funds and then not applied them to my account. Eventually, after a week of ( post collected ) funds they will post it, but not apply it to the available credit. They say, that they do not like that I make multiple payments per month to pay down the account. I pay the account in several installments to avoid accruing interest. I will be charged interest on funds they received and have collected, even though they have received the payment. There has never been a later payment. There has never been an over the limit situation, there has never been a returned payment. My account is also on auto pay in addition to what in addition I pay each month. Usually, about XXXX to XXXX payments each month, depending on my income for that month and how much the card is used. I pay all of my credit the same way, no other financial institution has an issue with how many payments are made each month. The goal of synchrony is to unlawfully collect interest on a debt based upon the unpaid daily balance in-spite of having the payment from the consumer and thereafter having evidence the payment cleared and still collecting interest unlawfully.
Alaska XXXX XXXX auto-payment options are misleading, causing customers to choose the wrong payment option and getting charged for interests every month. When I set up the auto-pay online, the available options are : 1 ) Minimum Amount Due 2 ) Amount Due 3 ) Statement Balance 4 ) ____ ( fill in amount ). I had selected # XXXX Amount Due believing that this meant paying the full amount due and not minimum amount due. According to the bank representative, Option XXXX and XXXX are the SAME and I should have picked # XXXX instead. I had contacted customer service previously and no one had told me about this error. I noticed the continuous interest charges just this week, called the bank, and got transferred to the online unit who was nothing but useless. They insisted that this is a user error and there is nothing they can do. The written communications on the e-pay site is so misleading that it appears deliberate. This must have caused many customers to make similar mistakes and be forced to pay interests unfairly. I 'm looking for help resolving this issue as the bank representative and manager have refused to take any action.
Exeter Finance gra nted me an extension, verbally, and continued to report the account as if no extension had been granted. They charged me a late fee and sent me a default notice, reported to credit agencies and failed to get me the necessary paperwork to complete. After submitting a complaint to the BBB I finally received the form and they are still pursuing claiming I am in default and are charging me excessive fees. On top of that their representatives twice told me to make my payments on days that in reviewing my summary added late fees. They said for processing reasons I needed to make the payment on Saturday I was charged extra for it. I have gone to them on several occasions and that provide no assistance and resolution. They are making a fortune off of these loans and are setting borrowers up to fail. This business drives borrowers into repossession.  Exeter  is making money charging outrageous rates, providing no service and repossessing cars. I would also like the CEO informed so he knows the business practices oh his employees.  XXXX   XXXX  has offered no assistance, only emailed me my contract and payment history that did not reflect any actions the Exeter Representative took on  XXXX / XXXX / 17 .
I was a victim of identity theft and noticed a collection from Syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
On XX/XX/2018 I paid a collection to XXXX XXXX for {$590.00} as they instructed me over the phone.

They said the collection was now settled and that they will send me proof as well as withdraw the lawsuit.

As of today they are still claiming I owe them {$92.00} and they never sent any written verification.
I have tried to contact the company regarding my report numerous times! I was a victim of fraud and my information was compromised during the Equifax breach. Ive had multiple inquires that were NOT authorized by me and wrong information on my report that needs to be removed. Ive tried contacting the creditors and Ive gotten absolutely nowhere. My last try was to contact XXXX! After multiple attempts and being transferred over 4 times with them they finally DISPUTED them but after receiving the results they were not deleted! I called them back and they told me to contact the creditors. After reassuring them that Ive contacted them multiple times they still refused to help! I have NO record of any accounts with the creditors and I am to the point that I am no longer willing to contact the creditors because I have no relationships or contracts with them! It is the credit bureaus responsibility to validate that all inquiries and accounts report on the account are true which they are NOT! This has gotten out of hand and has gone on too long. I need results!
We have trying to close on a VA refinance with Freedom Mortgage since XXXX, 2016 - A company agent assured us we would close in XXXX, 2016, We followed up on every & anything additionally the company requested - This company holds our mortgage now - and every month they come up with something new & often redundant to seemingly delay the process - The current adjustable rate we have is due to change XXXX XXXX - The last excuse is that a " consumer fraud alert '' came up on our application so the closing is again pending until the underwriters investigate & remove that warning. I called today & spoke with a customer service rept & left messages for XXXX XXXX who usually sends out the notices to us - that the processing is delayed because of something - that they always have prior to her sending out the notices. 
WE were also promised a interest rate of XXXX - that the company has not locked in for us to date - but verbally agreed to after we complained about the initial rate was high and the loan officer assured us we would get the best offer if the rates went down since and the rates did drop.
American Express closed my BLUE CASH AX account XXXX XXXX XXXX XXXX some time back and confiscated my REWARDS BALANCE of {$700.00}.
<P/>
I have paid A
MEX the balance due in full in accordance with the Cardmember Agreement. <P/> I twice requested that AMEX make the points available to me. <P/> Amex refused. <P/>
I did not know that CPFB could intercede on my behalf on matters such as this or I would have pursued this Complaint two years ago.
Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to XXXX days. Upon completion, the result summary will be provided directly to you for review. 

For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX 

Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
I received by mail a letter fro m transworld system wi th amount of  XXXX  $ to be pay to  XXXX    XXXX    XXXX  but what I have on hand from the court judgments minutes of order that I have to pay  XXXX  $ and the landlord have on hand  XXXX  $ security deposit so I have to pay only  XXXX  $ Amount I attached the judgment order and the landlord statement
significant concerns about the banks new policies. using their enormous market power to discriminate against customers based on lawful firearm-related business activities.
I vacated the house I owned in XX/XX/XXXX or XX/XX/XXXX. My wife at the time moved out and I could not afford all of the bills I had on my own. I filed for bankruptcy and moved to an apartment. I surrendered the home in bankruptcy. I have no interest in moving back into the home, since I have started a life in a completely different area. I have taken excellent care of my finances since that time. I would like to buy another home in the near future and I am approaching the necessary waiting period after bankruptcy. However, since the bank never moved forward with foreclosure on my old home, it still appears on my credit report as mine. Also, once a foreclosure would take place, another waiting period would begin before I could buy another home. Realizing this, I contacted a real estate agent and foreclosure lawyer and initiated a short sale XX/XX/XXXX. We are at the one year mark now and the process is still not complete. My lawyer has been great about keeping on top of this and trying to move it forward as much as possible, but the bank continues to delay the process. Many of the issues the bank has been bringing up simply are not applicable to someone in my situation. They have had me provide my budget several times and have asked for me to provide evidence of insurance on the home. I keep telling them that I surrendered the home in bankruptcy over 5 years ago. The bank is Carrington Mortgage. They took over the mortgage from XXXX XXXX XXXX. Please contact them and ask them to move the process forward.