WillisBack/dataset-financial-user-claim huggingface dataset:
Please know that the complaint with MCCARTHY, BURGESS & WOLFF , INC. complaint XXXX has not been not resolved. They have not cancelled my account and the phone calls continue. MB & W have contacted me twice since the case was closed on XX/XX/XXXX. 

On XX/XX/XXXX, MB & W called me at home and left a message to contact them. 

On XX/XX/, @ XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX from McCarthy , Burgess & Wolf , harassing me and stating that XXXX  XXXX XXXX has declined both payments for {$30.00} and {$110.00} which is not true. She said that MB & W must now focus on the whole amount for {$690.00} and is requesting full payment. I tried to explain to her that per my claim with FTC Consumer Financial Bureau the account with MB & W was cancelled. But she rudely and abrutely stated that she " will make a note on the account of my refusal to pay and then she abruptly hung-up the phone. 

Afterwhich, I once again contacted XXXX and spoke with Representative XXXX from Pennsylvania who stated that no attempts were made under my account for either amount. She said that if the information that the company put in is incorrect such as the routing number or the payment amount is different then the payment will be declined. 

Therefore, I humble request that you please look into this issue again? Thank you in advance for your attention to this matter.
XX/XX/XXXXXXXX XXXX, California. XXXXXXXXConsumer Loan InvestigationTo whom it may concern, When you are ready to review the documents for this loan, we will mail copies upon your request. These loan documents have a timeline from XXXX XXXX through XXXX XXXX. Last monthly payment XXXX XXXX, XXXX the XXXX XXXX loan documents, written communications with loan company, and dealer information are available for review. There are XXXX loan purchase documents for this vehicle. XXXX for the loan company and XXXX for the dealership. A XXXX statement of the amount of this loan was sent by mail with a different amount owed. This vehicle loan was paid off in full on XXXX XXXX, XXXX the total amount due was XXXX the loan company stated that a check in the amount of XXXX was required to pay off the loan as there was additional charges. A check was written and mailed to the loan company with a letter requesting that upon receipt of final payment to contact parties and respond with a written reply of receipt and forwarding of documentation to parties. As of the date of this letter ICG FIN FUND LP aka 101 Auto Funding XXXX XXXX XXXX XXXX XXXX, California have not sent a confirmation. We have contacted parties by phone On XXXX XXXX, XXXX and XXXX XXXX, XXXX and spoke with XXXX XXXX who stated that she did receive the letter and check on XXXX XXXX, XXXX posted to the account XXXX XXXX, XXXX deposited to the bank on the XXXX XXXX, XXXX. As well as processing the XXXX notification to clear title of vehicle and that XXXX XXXX should receive a copy in the mail. XXXX XXXX again requested written notification of the receipt from XXXX XXXX by phone and she stated that she would send an email to XXXXXXXXXXXX to confirm that she did receive the documents required to pay off loan. XXXX XXXX has not received an email as requested. XXXX XXXX has not received the title signed off by lien holder in the mail to transfer to the XXXX. The California twenty day requirement of receipt of documents has not been adhered to by the loan company. XXXX XXXX, XXXX a request for the title signed by 101 Auto Funding LLC releasing their right of lien on the vehicle was sent certified return receipt XXXX. XXXX XXXX XXXX XXXX. This was recommended by the XXXX as they have no notification on record. If there is any other information that you require please contact at the email above or call XXXX please leave a phone number and contact person and I will return your call. 

XXXX issue is the company XXXX requesting that they be paid on this loan after they were informed on XXXX XXXX, XXXX and XXXX XXXX, XXXX by written notice as well as phone conversations regarding the matter and were informed to contact the true lien holder 101 Auto Funding LLC XXXX XXXX regarding any questions they might have, as their purchase of the loan was invalid. And this loan was paid in full. This company still believes that they are entitled to the loan on this vehicle and are moving forward with attempts to collect the loan or the vehicle.
When I opened my credit card account I maintained an impeccable record. I even got a car loan with the same bank and paid off the loan with no late payments. Unfortunately, I became unemployed and homeless and did not have an income to pay my card payments. The card was closed and the account balance more than doubled with fees. Now that I am employed again, I researched a contact number for the bank who issued the credit card and I called them to find out the balance and if I could make payment arrangements. I talked to a manager who said they would make a one time adjustment to the balance and they gave me the total. I asked if I paid the balance would they contact the credit agencies stating the account was paid in full. I was told, " Yes. '' I asked if they could send me a letter to that effect and they said they would. I received a letter shortly after thanking me for agreeing to pay the balance by such and such a date. At no time in our conversation on the phone did the manager ever mention a date I had to pay the account by nor did I agree to pay by a certain date. I was told on the phone that once I paid the balance they would wait 22 days to make sure the funds cleared then they would contact the credit bureaus saying the account was paid. Now the letter was stating I had roughly 10 days to pay the lowered amount agreed upon or the original balance would be back in force. I sacrificed my paycheck and made sure I had called them to pay over the phone thinkng I could use my debit card. After waiting an extended amount of time on hold, I finally got through to a representative who informed me they do n't take payments via debit cards ; it had to be a credit card or check by phone. I do n't use checks so I had to get the routing and account number in order to proceed. I got the information and called the bank back. Again, it was a long hold time before speaking with a representative. I gave her my information and the payment went through. A few days later, I received another letter from the same manager who I had been dealing with and the letter states, " Thank you for your recent payment .... We credited this amount to your Capital ONe account referenced above on XXXX XXXX, 2016. 

If you have nay questions, please give us a call. If a thrid-party agency is servicing your account, your call will be automatically routed to them. '' Sincerely, XXXX XXXX, Account Manager The letter shows I still have a balance on the account which is not what we agreed to. XXXX XXXX said over the phone he was reducing the balance and in his first letter to me he said that also. Now that he received the money requested - he is changing my account balance back to the original amount.
My credit dropped XXXX points for a XXXX collection that do n't even exist!! I contacted XXXX and was informed there was no balance on the account and that the credit agency has made a mistake!!! 
I gave XXXX all my info ( account number & social security number ) they looked up my account. ..which by the way is over XXXX years old and said there was NO BALANCE on the account!!!!!! Someone made a mistake and now i have to suffer the consequences with MY CREDIT SCORE DROPPING!!!!!!!
I am disputing an unauthorized inquiry. 
XXXX Date Filed XXXX/XXXX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX I have contacted Experian, and XXXX by telephone. I have no documentation to show that I have contacted them and that they have received my phone calls. I have phone numbers and names of the people I have contacted. I original started my complaint when I noticed an inquiry of XXXX. I called experian about it and asked what it was because there only information is a PO BOX address. Experian reluctantly gave me a phone number to contact. XXXX XXXX XXXX ( XXXX XXXX answered ) I explained my situation of an unauthorized inquiry. XXXX XXXX then gave me the phone number to Applications within XXXX XXXX. I spoke with a women named XXXX she took my social security number and went through each company that they finance with and not a single institute had used my name or social security number to inquire for credit in all of existence. She filed the complaint with another department for which she would not give me a phone number to follow up on the process. I started this process XXXX XXXX, XXXX and this inquiry has negatively impacted my credit score since XXXX XXXX, XXXX as a hard inquiry.
I was XXXX years old, right out of high school, I wanted to be XXXX and decided to try the XXXX field. Texas XXXX XXXX was about half a mile away, I went in to check it out. They sold me the world, told me how much money I could make if I signed up, they said I would travel the world and could make salaries from XXXX p/y. I was very confident, they failed to mention that average XXXX make XXXX $ XXXX $ p/h first few years. With XXXX in possible debt, they should have mentioned that. I 've struggled ever since, was the worst decision I ever made. Now I owe the student loan finance cooperation around XXXX in debt and its growing I 'm sure. I refuse to pay because I ca n't use the college credits I achieved in any other college, not even XXXX colleges accept them now.
this is a cell phone number and when I answer they say it is regarding a debt of XXXX XXXX
A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.
I have repeatedly requested physical documentation for the following accounts, ( 1 ) XXXX XXXX XXXX XXXX, {$950.00}. ( 2 ) XXXX XXXX XXXX, {$260.00}, {$210.00}, {$180.00}, and yet to receive anything outside of the following credit agencies Transunion and XXXX   saying that account been verified. However in accordance with the policies of The FCRA if this requested information is not received then the accounts shall be removed. Therefore, I have requested the Method Of Verification and never received anything.
after disputing the following debts with Experian 4 times and XXXX and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, Experian & XXXX ) to have PHYSICAL COPIES in THIER files of documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( Experian, XXXX & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, XXXX & Experian can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX  be removed from my credit reports.
In XXXX, we built a new home in XXXX XXXX, IL, took out a ARM with Fifth Third Bank in the amount of {>= $1,000,000}. 
In XXXX, as interest rates dropped from 6.25 % to 4.5 %, we tried to refinance with the bank, but despite excellent credit scores and income, were denied because the value of the house had declined to a point where we didn't qualify to refinance. 
Between XXXX and XXXX, XXXX, we tried 7 times to refinance ( including a request for loan modification ) with Fifth Third Bank, and were denied each time due to valuation of the house. 
In XXXX, XXXX, having been unable to refinance with the bank, we decided our only option at our ages ( XXXX ) was to sell the house since we could not afford to keep it in retirement. 
After 7 months on the market, a buyer signed a contract to purchase our house at a price below what we owe 5th 3rd Bank. Since we do not have the funds to pay the difference, we submitted a request to 5th 3rd to approve a short-sale. 
The bank, under the guidelines set forth by CFPB, sent us a retention option plan of action that would start in XXXX, XXXX. However, given our age and desired to retire, we notified the bank that after seven years of being unable to refinance, selling the house was the only option, and that the terms of the retention option were not ones we could afford in retirement. 
Unfortunately, we were told today by the bank that under the rules of the CFPB, the bank can not move forward on the short-sale purchase until it has gone through all of the potential retention options even though we, as the owner, want to bypass those options and proceed with the sale of the house. It said we could not " opt out '' of the retention option offer. 
Since the process involved with the proposed retention option would take 3 to 4 months to go through, we have the major risk of the buyer walking away, and being back at square one with no buyer for our house. 
We are requesting that the CFPB allow 5th 3rd Bank to bypass the retention option it has laid out, and proceed directly to the short-sale offer from the buyer so that we can get the sale of our house done much sooner. 
Please advise whether this is something the CFPB can do for us. If the buyer walks away, our only option in the absence of a second buyer coming forward with a price higher than what we owe, would be to have the house go into foreclosure. 
Thank you very much.
After sending information to verify myself with my disputes, as of XX/XX/2018 the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00}
I had a checking account with Huntington bank, I then closed it because the website was not user friendly. The account was closed per my request. They reported that the account is closed for cause ( The account is closed because the account was not handled in a manner consistent with bank policy ) in the XXXX warning report. This inaccurate information was used against me from another bank. The bankviolates the FCRA. Below is the report from XXXX XXXX. <P/>Consumer ID : XXXX Bank Name : HUNTINGTON BANK - OH Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Present Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX,, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXXXXXXXXXX Thank you
On XX/XX/XXXX I was making a deposit into the ATM machine and the atm took my card and the cash that I deposited. The amount was XXXX dollars it took a month and numerous phone calls to try and get the money reimbursed. After a month I was only reimbursed XXXX of the XXXX dollars that I had deposited. With zero explantation why ... I need to file a complaint against TD bank also I would like to have my money reimbursed ASAP.
I have been a Credit Card customer of Barclay Bank for years, and recently, I had missed a payment because I did n't receive the statement. When I received an email AFTER the payment was late, I immediately logged online and paid the entire balance including the late fee. I called to ask for a waiver of the late fee as I did n't get a statement. And the bank refused citing that they had waived it once before which the reason again was because they did n't send me a statement at that time. I offered to remedy any future missing statements by setting up autopay but the rep was adamant about no fee waiver the  2nd time. I have been a customer for many years, and had never ever missed a payment except these 2 times. I asked for this fee waiver as a final time since setting up autopay will avoid any problems in the future. A manager did call me back but he called me on my WORK phone when I specifically asked to be contacted by cell phone, and I provided the cell number. I ca n't believe the manager left me a voicemail at work when I did not want my personal business to be left on my work number! They did n't respect people 's pr ivacy
We have been paying on this debt for XXXX months ( it is being automatically withdrawn via debit card ) and had no idea there was any problem with this payment. We recieved a voicemail threatening to bring XXXX police officers to our house if we did not pa y and that the state department was involved.There was not an attempt to resolve issue in a businesslike manner, just a very threatening message. 
This company also left a similar message on XXXX of our family members voice mails and said the police and state department were looking for me and gave him all kinds of false information. 
I have made contact and gave this payment over the phone.
Radioshack/ CBNA is reporting a tradeline on my credit report that is not my account, has never been verified as my account and is now is older than 7 years old. Radioshack/CBNA has refused to remove this item and refuses in writing to verify due to my inquiry being " frivolous ''.
XXXX reported a {$20.00} past bill that they said belongs to be from XXXX. The date it was reported on my credit was XX/XX/XXXX. I have not received correspondence from this company to validate the debt. I was also told if I paid the dept that XXXX will stay on my credit as paid in full for 7 years. I do not know if this collection is mine but it is also against my rights due to Representative XXXX XXXX XXXX ( OH ) introducing the Medical Debt Relief Act in XXXXXX/XX/XXXX. The House of Representatives passed an amended version in XX/XX/XXXX. The Senate read it twice and referred it to the Committee on Banking, Housing, and Urban Affairs. 

The objective is to To exclude from consumer credit reports any medical bills that have been in collection and has been fully paid or settled, and for other purposes. 

My credit should not be effected by a debt I did not know I owed and when I offered to pay the XXXX I was given information that is against my rights.
I went to A1 Action Cash to get a loan on my car in XXXX XXXX and I paid on time. In XX/XX/XXXX the car stopped running but I continued to make payments on it. In XX/XX/XXXX I took the car to the dealership to attempt to get it fixed. I paid {$500.00} in attempt to fix what the dealership said was wrong with it. I told the office manager that I could no longer pay off the loan because of financial issues but she refused to go get the car because it was inoperable, although I told her where the car was located. She filed criminal charges against me with malicious intent to have me put in jail even though a crime has not been committed. When we showed up in court, she committed acts of perjury stating that she called the dealership and an employee told her that there was a storage fee of {$500.00} which was not true because I paid my service repair fee in full on XX/XX/XXXX. I also went to the dealership and spoke to the service supervisor to ask if I owed anything that I was not aware of and he told me that I paid what was owed which was only {$500.00} for the service that was done on the car. I did not owe any storage fee.
I sent {$3500.00} to Coinbase on XXXX XXXX at XXXX. The money was take out of my account the same day around XXXX. At this moment coinbase is saying they do not have my money. 

This company is a scam.
Trans world Systems sent collection notice to me collecting on a account that I had previously disputed with the credit bureaus to be fraudulent
I submitted a complaint against Midland Credit recently. My complaint is that I 'm still having the same issues for the last two years which is that Midland continues to report inaccurate information on my credit report. Midland Funding said that they had removed the dispute notation from my account. However, when I contacted the Credit Reporting Agencies for an updated credit report. My credit report shows that Midland is still reporting that I 'm disputing the account. I 've contact Midland by phone and have spoke with several of their agents after this situation was supposed to be resolved. Midland agents are very rude. On XXXX XXXX, 2016, the first agent I spoke with said his name was XXXX XXXX, I request that XXXX XXXX remove the dispute from my account after speaking with him, he assured me that my account was updated and was not showing any dispute marks. I requested to speak with a Manager and was transferred to a Manager name XXXX XXXX which she confirmed that the account was not being disputed. I explained to XXXX XXXX that I had requested that the dispute be removed several times before and that is was still showing in dispute. I told her that I was not disputing the account. She said that the account was not showing any dispute. I called back on XXXX XXXX, 2016 to verify that my account was updated. I spoke with a XXXX XXXX. I asked him to give me the information regarding my account. He explained what information that he was reading regarding my account. He stated that the account was being disputed. I said to XXXX XXXX that the account should not be in dispute, I requested that the dispute be removed from my account on XXXX XXXX, 2016 and many times before. I was assured that the account was not in dispute. I have written and called Midland many times. And they continue to report inaccurate information on my credit account to the Credit Reporting Agencies. I called the credit reporting agencies to inform the that I told XXXX that I was not disputing the account. When the credit reporting agencies would call Midland, Midland lie to them, tells them that I 'm disputing the account. Midland agents gives me several runarounds that I need to give them permission to talk to the credit reporting agencies or the name of the person that calls. I gave Midland names of the credit reporting agencies and individuals that could give information to regarding my account. Once one of the companies called that I gave them permission to give information pertaining to my account called. That person was told that Midland is saying the account is being disputed or that they need permission to from myself to talk to them. I have complied with every action that Midland asked that I do to have the dispute removed from my credit report. And all Midland employees have been lying. I spoke with XXXX XXXX XXXX at ext. XXXX and she said that my account was not showing in dispute. Then suggested that I speak with someone in consumer affairs. She supposedly transferred me to consumer affairs. The person that took the call hung up. I need Midland to remove this account from my credit file since they refuse to report accurate information.
Year 1996 American Express sent letters, phoned me and clamed I was XXXX XXXX XXXX I am XXXX XXXX XXXX To this date I have the bill show up on my credit report. I get it removed and again it is on my credit report.