WillisBack/dataset-financial-user-claim huggingface dataset:
I leased a car through Chase. At the end of the term, I turned in the car and received my final settlement statement including turn in, disposition fees, additional mileage, etc. I paid the total of {$970.00} in FULL. Months later, I received a collection notice from Chase in the mail for {$250.00}. I had never even been contacted by Chase about this. When I called their collection dept. to inquire, they stated that a teller had made a payment to my account in error, and I needed to pay for the tellers error. I now receive calls at least twice a week from the collections dept. To my home, to my work. My account was paid diligently every single month on the same day. This was a BANK error and I should not be hassled weekly for an error the bank has made.
Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan. XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment XXXX online payment website and they had XXXX different credit cards saved under my name and account information. XXXX is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that XXXX does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. XXXX is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. XXXX lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.
Called/ Talked to XXXX XX/XX/XXXX XXXX about outdated late payments reporting on my credit report from XX/XX/XXXX, XX/XX/XXXX 60 days, 90 days, 120 days for account number # XXXX my accounts was in Income Driven Repayment program or unemployment program. I was told by XXXX to call Experian to find out why they are reporting late payments for this period, I disputed these dates and items but Experian was unwilling to remove this negative incorrect infomation from my report. This is hindering me from obtaining credit with this outdated and incorrect information. I am requesting this incorrect information be deleted from my credit report the inaccurated entries follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have been disputing an account with XXXX XXXX XXXX XXXX account number XXXX dated XX/XX/XXXX in the amount {$2300.00} for an apartment complex I never lived, that I request be deleted from my credit report XXXX XXXX is reporting current on my account this was part of bankruptcy XX/XX/XXXX account number # XXXX, I am requesting to be deleted from my credit report I have unauthorized inquiries on my report that I have been requesting be deleted XXXX XXXX XX/XX/XXXX XXXX Co XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
In year XXXX, I had taken a loan amount of {$62000.00} to open up a restaurant in New York. Initially I was delinquent on my payments because my business was n't doing good. In XXXX, I was approached from debt collector company called XXXX XXXX XXXX XXXX ( Bank of America ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( Bank of America ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.
Please reference previous complaint XXXX. XXXX advised CFPB that itemized bills would be supplied to me, but they were never sent or received. We have been making automatic payments. I advised XXXX that they were not to contact my husband 's phone number XXXX on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I contacted XXXX in order to obtain the remaining balance and to find out if a settlement offer was available. I contacted them from my phone number XXXX and provided that same number as the call-back contact number. I did not provide any other number for follow up communication. Therefore, the " do not call '' order for XXXX was not lifted. 

Unsuccessful attempts to speak with XXXX representative XXXX XXXX happened on XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. I received missed call with messages at XXXX on XXXX/XXXX/XXXX at XXXX which I did not return that same day. Received a missed call but no message on XXXX/XXXX/XXXX at XXXX. 

Also at XXXX on XXXX/XXXX/XXXX XXXX representative contacted phone number XXXX and left a debt collector message. This number does not have permission to be contacted and is still on the " do not call '' list for their company for my debt and this matter. This is the matter for which they have violated CFPB and FDCPA do not call regulations for debt collectors. 

On XXXX/XXXX/XXXX at XXXX I returned their call from XXXX and left a message to call me back at XXXX. 

On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX me at XXXX, and we were able to speak. I asked what the procedures were to obtain a settlement, to which she advised that I just needed to make an offer and she would discuss it with the creditors and let me know. I advised her that I would need to discuss this with my husband and would follow up with her. 

On XXXX/XXXX/XXXX at XXXX am, my husband called XXXX XXXX from XXXX from his phone number XXXX and spoke with her. She said that she had already talked to me and then proceeded to request final payment from him. He is not named on this debt. This is the second violation that I am filing as she is discussing and providing debt information to a relative without my written or verbal authorization. During that discussion, my husband did say that he would offer {$1500.00} to settle the debt which is currently {$2300.00}, which total was given to my husband over the phone. She immediately advised him that this would not be an acceptable offer and she countered with {$1800.00}, which my husband refused. 

I have yet to be given the opportunity to review the full accounting of the debt they are collecting. I fully admit that there might be some funds due for medical bills that I did not pay, or for which insurance was not correctly filed. I have been denied my rights in disputing this debt due to the fact that we have at no time been provided with an opportunity to view all of the charges.
On Monday XX/XX/2019 I received a phone call from erc about a XXXX bill that I do owe. when I told them there is no way I could come up with {$1000.00} at the moment a collector and a supervisor by the name of XXXX  threatened to report the account to my credit if I did not pay them by the XXXX  of XX/XX/2019. when I asked about how their credit reporting works and how often they reported to the credit bureaus they neve answered my question and instead kept telling me that they were going to report to my credit because I could not pay. then on XX/XX/XXXX-XX/XX/XXXX of 2019 I received harassing phone calls 5 times in 2 days with 4 voice mails and no message left on the voicemails just back ground noise.
as of XX/XX/XXXX capital one auto finance gave me all the information that i did not need ..i am looking for the full account number XXXX but there are 4 numbers missing that no one wants to give me that is why when i tried to settle with them through XXXX XXXX it did not go through and they told me to skip it .. all i want is all the numbers that they are keeping for themselves. to be able to settle with them ..that is why we are at a stalemate i am willing to give them something rather than nothing but it appears that they dont want to do that .if that is the case the account will be deleted by XX/XX/XXXX and they will get nothing.. i am trying to show good will toward them ..but i guess not .. if they continue not to work with me then we will see what my lawyer has to say
beside them getting a judgment by default by not serving me the summons fraudulently filing proof of service to the court.i have been trying to get them to supply my with the date of my last transaction with Citibank na and my signed contract so I can take appropriate legal action.
Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest US banks. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.
XXXX XXXX keeps calling at work and i have told them to stop. They will not they threaten to damage credit and i have asked for a statement they say they do not provide this. The calls at work have to stop.
XXXX I received a paper application from Capital One XXXX XXXX Signature card stating that I was pre-approved. I called the company to ask whether there would be a hard credit pull. I asked this because I have excellent credit and intend to keep it that way. The phone representative guaranteed me that there would be no hard credit pull since I was pre-approved, and that would be true whether the application was via snail mail, online, or by phone. On XXXX XXXX, 2015, I applied online and received the card soon afterwards. I have always paid in full on time. After checking my credit report, I realized that Capital One had gone against its verbal promise and issued a hard credit pull. I called the company and made a complaint, requesting that the hard credit pull be removed as promised. The issue was forwarded to a representative named XXXX. He called me on XXXX stating that the company was not able to trace my phone call, that there is fine print stating a credit check will be performed on all online applications, and that Capital One would be unable to remove the credit pull. I told him that his results were unacceptable, asked him to recheck the phone records, and gave him a home phone number to check even though I believe I made the phone call from my cell phone. 
I am asking that the hard credit pull be removed and that Capital One train their representatives to avoid this situation in the future.
During the past couple weeks, I have looked online for potential lenders for a mortgage refinance or home equity line of credit. One of the places I looked was XXXX XXXX. XXXX XXXX, without my permission, has sold my information to dozens of lenders, and I am now getting several calls per hour, despite repeated requests to be taken off of all call lists. XXXX XXXX   has been particularly aggressive. One representative refused to honor my request not to be called again, and argued his belief that the purpose of XXXX XXXX is to generate dozens of telemarketing calls per day. 

This is harassment. It has to stop. I request whatever assistance the CFPB is able to offer.
Hi, Back when I was a student in college in XXXX of XXXX, I had a sick day at work, and my manager demanded that i go to the doctor to get a doctors note for missing work that day. My job was at the XXXX XXXX XXXX and was considered a " work study '' position offered for students who needed to work 20+ hours a week because they were low income students and also had the opportunity to do school work and focus on studies at the same time. I went to the doctor paid my co-pay and that was it. I got my note, paid my dues and was on my way to not being fired for being sick. Unfortunately 2 years later I have a collection on my credit report from XXXX XXXX. As soon as i figure this out I pay my debt through the debt collection agency. I had gotten no notice and was completely unaware that there was even a {$160.00} bill attached to my name for this doctor 's visit. If i knew I had to pay that much money for this I would have never went to the doctor. I feel like i was taken advantage of as a young student by a XXXX. Now i have a collection on my credit report for {$160.00} that i did pay back in full, in early XXXX and it is still till this day negatively impacting my credit score and report. I just truly feel that I am not the only person this happens to, and it feels completely unfair and out of my control that this happened to me and is negatively impacting my life.
I worked with Navient to reduce my student loan payments on an income based plan. I got a letter stating that my payments would be {$0.00} per month ... but I am still being charged a {$180.00} per month fee, stated as a " Life of loan '' fee.
XX/XX/2018 I decided to check my free fico scores. After checking them FREE I noticed a charge from Experian Credit Report for {$23.00}. I was charged again on XX/XX/XXXX. 

I never signed up for a service. Plus I've tried to cancel and I'm not able to speak with anyone. I've called : XXXX XXXX XXXX XXXX XXXX Every time I call it's ALWAYS a computerized program and you never speak with anyone. I have the ability to chose XXXX  for billing then XXXX  to cancel. It states your free credit report is now cancelled. This isn't want I wanted. I want my free one but don't want to pay for it. 

I've also logged into my account online - My Profile - Billing information and Membership information and there is NO way to cancel my membership. 

I'm in the IT industry and I find this whole situation corrupt! I'm able to go through all these steps to find a solution. What happens to an older person who can't take these steps? Experian is stealing from them. 

I want my money back and membership canceled. 

Thank you, XXXX
I have had several problems with Equifax actually investigating inquires on my credit report. I have submitted disputes and they simply send me a letter to call the creditors in question. I have called the creditors and they tell me that I MUST OPEN A DISPUTE with the credit agency directly to get it resolved. 

I keep getting the run around from Equifax about their investigation process into inquires.
I received a voicemail saying that they had " received documents with a complaint attached, '' and left an account number and a phone number. The voicemail instructed me to call to find out " the nature of the complaint. '' I called and was immediately confronted by a very rude man, he claimed that he was a process server ant that I was being sued in my county of residence. He had actual information about a real debt, my current address, and he read me my social security number. When he identified the debt, I immediately knew he was lying because the debt was from XX/XX/XXXX. The statute of limitations had clearly expired. When I questioned him he immediately cursed at me and hung up the phone. I called the number back repeatedly, but I was hung up on multiple times when I inquired as to the name, address, and nature of the business. They told me that they were a " firm, '' process servers, mediators, and arbitrators. Eventually, the number I had simple routed my phone to a full voice mail box. I was unable to obtain any information about the company. They claimed to be " XXXX XXXX XXXX, '' but a XXXX search revealed no company doing business under that name. They called from a number in XXXX, WA ( XXXX ) XXXX, and left the number ( XXXX ) XXXX. I recorded a number of conversations with them.
On XX/XX/XXXX I received by mail a Pre-qualified offer from XXXX XXXX XXXX XXXX, XXXX  to reduce my current new car loan from XXXX XXXX. In the offer they indicated my XXXX interest rate@ 8.6 % and their pre-qualified rate@ 5.5 % which the offer would expire on XX/XX/XXXX. The offer letter also had a Pre-Qual Code XXXX to be use by calling or on their website. I decided to use their website, on XX/XX/XXXX at XXXX, where I entered the Pre-Qual Code as instructed. I then was taken to a standard loan application which required me to enter almost all the info that was already in offer letter. So, I became suspicious, but I continued until they asked for my SSN, which I did not enter, at point I ended the application and closed the webpage! To my surprise a few minutes later I received a confirming email to my email address XXXX stating thank you for applying for an auto loan and I would here back in a few days! It cam form XXXX! I immediately replied with a return email : To whom it may concern : I received a pre-qualified invitation from XXXX XXXX XXXX XXXX and XXXX  to refinance my auto loan, showing details about me and my current loan! 
When I went to your website as instructed and entered the magical mystic code XXXX include in the letter I received, it responded with many questions, with I answered, even though they should have already been answered as identified in your letter. Which leads me to believe that this is a scam!!! 
So, I am requesting that you remove any and all personal information you solicited from me ASAP or I will file a complaint with the FTC charging Fraudulent Solicitation!! I sure you or your organization is aware its illegal! 
I will expect a response to my request acknowledging that you removed me from all email and or phone lists as I requested!! If not, I assure you that you will hear from me again! 
Thank you XXXX XXXX. 

Today I received notice from XXXX XXXX, who Im a member, that a new Hard Inquiry had been made to my Equifax credit report, asking me to verify it, which I did! It was made by XXXX XXXX XXXX XXXX! I filed a dispute with Equifax immediately which is currently pending! 
I did not give my SSN to this bank, I didnt complete their form giving them authority to pull my credit report. I tried to get their customer service with no results, they dont seem to have one, I  dont know of any Bank that doesnt have customer service! 
I suspect fraudulent activity, this appears to be a scam! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is one digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found two different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.
Follow up on this claim which was closed but needs to be followed thru -Complaint number : XXXX This claim was closed regarding XXXX since the check was deposited with Citi Bank but Citi Bank has the check since XX/XX/XXXX and deposited it into one of their accounts and has yet to deposit the check into my account after calling them several times and visiting a branch in XXXX XXXX , Florida . They told me I needed to open up an investigation regarding the check which I did but nothing has happened. The check has my name on it but for some reason XXXX sent it attention to Citi Bank, c/o XXXX XXXX in XXXX Citibank branch.Check # XXXX dated XX/XX/11. I don'yt understand why the money has not been transferred to my citibank checking account as of yet.
I completed and paid off my loan in XXXX XXXX and have not received my title back now being XXXX XXXX. I contacted the company and they do not take responsibility for the issue and blame the issue on a particular employee that took my payment and are extremely unprofessional when I attempt to speak with someone about a resolution.
I called and spoke with an manager and he stated that he would call me back so that I can make an arrangement to pay the car off but he never returned my calls or messages.
I was contacted by the Phoenix Group of XXXX XXXX to collect on a debt from over 3 years ago when I broke an apartment lease. I was never sent letters from the apartment detailing this debt prior to being sent to collections. The collector said I owed nearly {$2000.00} in unpaid rent and damages. I updated my address with them but they never sent me anything in the mail to detail the debt, confirm the collection agency, or the notice of right to dispute. One letter was sent to my parents ' house since my father cosigned, but it was just a copy of the bill the apartment complex claimed I needed to pay. When I asked about disputing the claim, they told me this was not possible. They said I had to settle or it would be on my credit forever. They kept adding interest and trying to make it seem like a favor to take it off, although it should n't have been added in the first place. It took months and talking to 3 different people to have them reassess the debt, showing someone moved in much sooner than they said and my debt was only around {$500.00}. When asked to send a letter since I still had n't received one over 6 months since they started calling, they claimed one had been sent although it had n't. I asked them to send another but still never received one. I received a call today from a man saying he was the end of the line ; the apartment needed to know if I was settling or refusing. When I tried explaining I had n't received anything in the mail, the man interrupted me, saying it was clear I was refusing, and hung up. The issue has still not been resolved and is affecting mine and my father 's credit negatively.
I have mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of it
This account is not suppose to overdraft occording to the rules upon opening it. Ive been charged double fees a few times and it is not acceptable.This acct is a XXXX Card by Citi ( its for XXXX donations {$25.00} per donation with numberous fees charged as wel ) Frankly I think it very unfair to the other donors that are cheated to
I applied for credit line increase on my   XXXX   card ending  XXXX . Request was denied on   XXXX   XXXX  , 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on   XXXX   XXXX  , 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.
One Main Financial, XXXX Virginia. If you are a day late with a payment they will call you 8-10 times per day and will still call after you speak with them. We know we have to make a payment and they do not need to continue to call so many times. They told us why they call so much and leave messages is because we do not answer the phone. If you have multiple household members and you each have a loan, they will call each person 8-10 times per day. Our phone rings constantly! This is a small company and they know that there are XXXX household members with separate loans with the same phone number but continue to make repeated phone calls.
i have disputed these items with all three bureaus by phone and mail and fax. They will not take the inquiries off saying they are a matter of record and telling me to contact the agencies to do there job to verify if the information that they are reporting is accurate when i am telling them it is wrong along with submitted all verifying documents from courts, child support agencies, police reports and proof of residence.