WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint that I submitted earlier on XX/XX/2018 on XXXX XXXX XXXX XXXX XXXX was NOT A DUPLICATE, CFPB! If a human actually reads these complaints, then you should've SEEN that! I submitted that complaint in reference to the INCOMPLETE INFORMATION THEY SENT TO ME. Please reference the complaint ID in the 'fair resolution ' section! They sent me documents that DID NOT REFERENCE THEIR COMPANY as " proof '' that I have a loan with them! I never signed a consumer agreement with them -- and they must provide a scanned copy of the original consumer contract WITH THEM ( not a copy ; in its original form ), bearing my actual signature. If they can not DO that, then they must delete the account ( s ) reporting on my credit reports. Nor did they verify or validate the addresses in the documents as 'mine ' and provide the method of verification for everything. I requested this from the beginning and did not get this EITHER. IN ADDITION, they sent me bills, statements, and itemized lists of disbursements, all of which DO NOT qualify as proof that an account belongs to a consumer! CFPB, you are being complicit in their negligence. If this continues to be denied, then I will see to it that YOU all get reported to the institutions who have control over YOU. This is NOT right!
This Debt is in Valid since it was a result of Fraud # XXXX {$740.00} XXXX XXXX XXXX   acct # XXXX i dispute the validity of this debt as fraud as i did when creditor was notified of fraud years ago. Cease and desist all collections and remove delete my name from all collection files by Global Credit Collection Corp.
Invested in loans  with Upstart. I have  my account settings on " do not reinvest '' for several years. I just received an email that I made  XXXX  loans for {$100.00} each/ {$300.00}. I tried to contact the company by email and phone. I received an automatic email and they never answer the phone ( on hold for over an hour )
Collection agency. CENTRAL CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX / XXXX Reporting debt from another person on my credit report. 
after several phone calls the agent were unable to validate and or locate neither my address, my name, by the amount owed or by the account number. 
I am disputing the validity of the debt reported to all XXXX credit bureaus by CENTRAL CREDIT SERVICES
On XX/XX/XXXX I applied for a loan thru big pictures loan on XX/XX/XXXX they deposited XXXX dollars I was mislead I had know idea that the interest would be what it is they have me paying XXXX for 13 payments which means I pay back over 2 grand I had know idea they dont tell you this I have made 3 payments and haven't touched the principal I'm willing to pay what I borrowed but I can't pay all that interest so I sent the company a stop and cease order on taking money out and I did a stop payment i cant any continue to pay overdraft fees because of them taking these payments out twice a month I believe they prey on people that are in jam and need a little cash and they trap you into paying these big fees I want to settle with the company
I opened a new Skymiles American Express card a few months ago pursuant to a promotional offer. The offer stated that I would be awarded XXXX bonus miles and a {$50.00} statement credit after my first Delta flight purchase. Nowhere in the offer did it state that I would not be eligible for the promotion if I had a Skymiles American Express card in the past. I held a Skymiles American Express card that I canceled about two years ago. 

After spending about {$2000.00} on my American Express card, I called American Express because I was not awarded the bonus miles. The representative first claimed that the statement, that previous card holders are not eligible for the promotion, was in the acceptance letter sent by American Express. When I told her it needs to be in the offer because after I applied and accepted to the offer, I had already put in the time to apply for the card, and taken a hit to my credit. The representative then claimed that this information was in in the offer itself. The representative would not offer any sort of compensation. 

I am certain this information was not in the offer. Delta and/or American Express send multiple offers per year, and none of these offers contained the limitation that, in order to be eligible for the promotion, you can not have previously had a Skymiles American Express card.
Dear Consumer Financial Protection Bureau, This is about Case # XXXX I can not sign into my ( cfpb ) account to see what the status is with my BOA complaint. 
So I am sending this via new complaint site. 
I had sent ( w/o a return receipt ) a Signature Affidavit back to BOA in XXXX XXXX that hey asked me to fill out and get notarized. I then in XXXX XXXX received a letter from BOA stating that my case was closed because they did not receive the signature Affidavit back from me! 
Yet I never to this day received any returned mail. 
I then sent all of the Signature Affidavit ( with a return receipt ) and with their letter to open the case back up to the mailing address they stated again. 
I am in possession of the return receipt that was signed by BOA on XXXX XXXX, XXXX. 
I also have a copy of all documents that I did sent in XXXX XXXX. 
So far ( XX/XX/XXXX ) I have not heard from BOA by phone or mail regarding this case. 
There was a phone call on my answering machine that I could not deceiver what it was saying because the foreign person had an extremely strong accent .... 
I am still very upset over this run -around they are giving me now by ignoring me and refusing to correct this matter.
My credit age on my credit reports are showing that my average age is XXXX and XXXX. My first student loan was XXXX - XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Student loans are a part of credit age.
The first request sent to obtain a Lien release from Ditech Financial was on XXXX XXXX. We have been trying to close escrow since last Thursday but we can not because the buyers lender requires a copy of the XXXX XXXX XXXX be completed and signed by Ditech before they will fund the buyers loan to close escrow. For each day they delay in getting this to us we are paying an additional days interest because we can not make payoff until buyers loan funds. Our Escrow company has been calling multiple times a day for the last 2 weeks trying to get this completed form, I myself have also called many times. Thursday I called twice, tried to escalate it to a supervisor in the lien department, they informed me that this department does not answer phones, I was informed it was escalated via email to a supervisor and that I should have resolution within 24 hours. This did not occur. Yesterday our Escrow company was informed that the original request which was sent on XXXX XXXX was made on an incorrect form, why was our Escrow company not informed that the paperwork they received was incorrect? Our Escrow company resent the correct paperwork yesterday, and called this morning ( XXXX ), they were informed that it takes 3 days for the Fax to get into their system?? The Escrow agent that initiated the request was told by one agent at Ditech that the Lien department was 6 weeks behind! I have attached the documents sent to Ditech from XXXX/XXXX/XXXX through yesterday XXXX/XXXX/XXXX. These contain emails and faxes to a multitude of people that I was told to send my requests to and these include the Lien Release Department, supervisors and customer service people. We can not close escrow or transfer the mobile home title without this document that it is a requirement of the State of California Department of Housing and Community Development and that every other mobile home lender gets these to our escrow company within a couple days of the request.
TCFbank lied about renewal rates on a 15 month cd also their early termination fee on a cd is extremely unfair example on a 1-5 year cd XXXX months interest is average that would amount to {$30.00} their fee is over XXXX!!!!!!! 

attn XXXX XXXX
XXXX XXXX is claiming a medical service performed in XXXX during the XX/XX/XXXX-XX/XX/XXXX time frame is mine. I live in XXXX and had not visited the state of XXXX in XX/XX/XXXX or anytime before that. I have had no medical services performed at XXXX ( or XXXX for that matter ) nor have I ever visited XXXX hospitals anywhere else. Furthermore I have had insurance coverage through an employer sponsored medical program most my adult life ( including the XX/XX/XXXX-XX/XX/XXXX time frame ), and would not have elected an out of pocket service. The debt XXXX is claiming is not mine and needs to be removed from my credit report immediately.
This is not mine. I have never been to XXXX XXXX in my life, don't even know who or where it is. There has been a fraud alert placed on credit report and this company is damaging my life and breaking the law
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that Mercantile sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Documentation bearing my signature where I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector XXXX Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
We made our normal monthly payments to Conn 's in XXXX but after a week or so they began calling us multiple times daily to ask why we have not paid. We called them and found out they applied our payments in their systems to old account numbers for our accounts. We had refinanced our accounts previoulsly and these payments were mis-applied by Conn 's to the old accounts. The people in customer service told us it would be taken care of. A couple days later we began receiving the same calls multiple times daily to ask why we have not paid. We again called and explained the situation and asked why they had not taken care of correcting it as they said they would. 
This EXACT cycle has been continuing weekly for the past 9 weeks!!! 
They call us multiple times per day demanding XXXX 's payment and we call in and explain yet again how they made the mistake. Every single person who claims to be workers, supervisors, managers and directors at Conn 's have ASSURED us that it would be taken care of properly. 
Today, my wife called again and spoke to persons identifying themselves as managers and supervisors who again ASSURE her that in another 7-15 business days they will have it corrected. 
THIS IS INCREDIBLY RIDICULOUS AND INEPT. 
I am wondering if this is abuse of the Fair Credit Reporting Act and now am taking action that should have been taken long ago, but we kept believing them when they said it would be taken care of!! 
If this complaint and complaints to the FRCA do not produce positive results we will be speaking to an attorney for our next steps. 


Complaint filed with XXXX on XXXX : Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will also receive an email with a link that you may use to view this complaint. 


The complaint is being handled by the dispute center listed below. Please contact them with any questions. 
XXXX of XXXX XXXX ( XXXX and XXXX, Texas ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX Web XXXX
Bank Of America bought my mortgage, and added enormous fees, interest to my account. They also did not allow me to reinstate my loan so that I would be able lower the payment so that i could stay in my home
On XXXX XXXX XXXX, I sold {$13000.00} worth of bitcoin on the Coinbase app on my phone and had the funds transferred to my XXXX XXXX on coinbase as {$13000.00} ( due to a XXXX dollar fee ). This wallet is NOT my bank account and the funds should have been in my account instantly as soon as the bitcoin was sold. 

The sell shows as completed on XXXX/XXXX/XXXX at XXXX. 

The XXXX XXXX which the funds should been in INSTANTLY afterwards still shows as pending. 

I have sent multiple service requests and multiple emails with nothing more than just 1 response with no answer as to why my money is still pending. They have no longer responded after the first reply on XXXX XXXX, which, as I said, provided no answer. 

I have attached screenshots of my outgoing and pending transfer. 

My case number is # XXXX I also have other transfers/buys/sells which have gone through, but not this one.
On XX/XX/2019 I Sent A Certified Letter To The Credit Bureaus To Properly Validate An Account That Was Paid On Time ... The Credit bureaus Refuses to validate the account in has the account showing as a paid collection on my credit report which isn't true ... All Payments Were Made On Time ... I Been trying to fix this correction for sometimes in its really frustrating
FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXGET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... THANKS
I am a recent graduate of the University XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. I applied for a Sallie Mae XXXX study loan in XXXX. I was approved with a cosigner. After approval, Sallie Mae needed my cosigner to electronically sign the note. My cosigner was unable to electronically sign due to an ongoing error with Sallie Mae 's website. We requested a paper copy of the paperwork be sent. Sallie Mae sent my cosigner documents which he signed and sent back. I was then informed by Sallie Mae that the paperwork they had sent was the wrong paperwork, and that they would need to send the proper forms. Despite informing me that the forms would be put in the mail multiple times since XXXX, nothing ever arrived to my cosigner. I call Sallie Mae on a daily basis and am shuffled around and transferred to multiple people, who seem unable to send out a simple form. It is now two months later and I am still waiting to obtain the funds from my loan. I am repeatedly promised that the problem is being handled, but no one has resolved this simple issue.
I did submit the complaint on XX/XX/18 and I want to follow up with it. Because I received response from PHEAA I do not agree with it because it is incorrect information. However I have document ( emails conversation ) be attached.
I manage my moms finances as she is XXXX and no longer able to handle. I pay her bills online. She had a bill due to XXXX XXXX ( an XXXX company ) for {$38.00}. I confirmed this amount in a phone call to XXXX on XXXX/XXXX/XXXX. I spoke with XXXX. This amount was paid electronically via my mothers online bank account and confirmed delivery to XXXX on XXXX/XXXX/XXXX. Today, XX/XX/XXXX, I received a letter from a collection agency IC SYSTEM saying I owe {$38.00} as of XXXX/XXXX/XXXX. I immediately called XXXX and according to their automated System the balance on the acct is {$0.00}. No one was available in billing because today is Sat. Since my mother 's bills come to me they have put my name in collection for no reason and damaging my credit rating which has been stellar to date ( XXXX ). 
I am getting harassed by this collection agency with many calls throughout the day leaving no messages. 


Thank you.
Some one put a fake check in my account and Wells Fargo wont do anything about it and telling me its my fault and closed my account. Its tjerw fault for releasing the funds. There was something I did see on there damage credit I have no idea what that is. I contacted the police and made a report with them.
Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

Transunion customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.
Filing this report pursuant to Equifax security breach. I have checked with their to see if I have been affected and have been told yes. I want to formally file a complaint due to the breach.
I inquired about a refinance with Loan Depot, XXXX, CA. XXXX. inquiring about a refinance. however, I really did n't want to pay appraisal fees, or closing costs, so I told them I was n't interested. They ended up sending me about XXXX pages of paperwork, consisting of an Addendum to Loan Application, Loan Estimate, Closing Cost Details, written list of service providers, Borrower 's Certificate and Authorization, an Attorney Preference checklist, Applicant Information stating the Loan Originator and ( me ) as Borrower, my credit information, South Carolina Regulatory Agency Disclosure, Itemization of amount Financed for Truth-In-Lending, Disclosure Notice, and several other documents. This looks to me like a REAL CONTRACT. I live in a townhome that I bought 2 years ago, and my lender was XXXX XXXX, which has switched over to XXXX I NEVER TOLD THE LOAN DEPOT THAT I WANTED A LOAN. I AM COMPLAINING AS I DO N'T OR NEVER DID WANT THIS LOAN, and have no intention of signing any of these documents. How can this company spend all this time and paperwork and postage on an inquiry??? They have wasted their time and now my time. How do people find out about a refinance if they do n't call and inquire. I thought it might save me money as interest rates had dropped, but it does n't so of course, I am not interested. I finally found their phone number, which is XXXX. XXXX XXXX, AKA XXXX XXXX which is the name this loan is under. They also have a loan number which is XXXX, my email is XXXXXXXXXXXX or you can call me at XXXX, as I did not apply for this loan, what is going on?
Have received a notification from credit report that the collection entry has been entered. I have contacted the collection company in question several times both in writing and by phone within the past 3 months, however had not received a valid response of verification of debt.
XXXX XXXX XXXX XXXX, the company that is financing the loan for my used car, makes an excessive amount of collection calls to my home and mobile phones. XXXX typically calls my phones six to eight times a day. The calls come from different numbers that display different company names on my caller ID. When I call the numbers the IVR system identifies the call source as XXXX XXXX XXXX. Some of the calls I have received were robocalls. I have received XXXX calls from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX. XXXX has occasionally contacted me on Sundays, as was the case when an agent contacted me from a XXXX XXXX XXXX phone number on XX/XX/XXXX. I submitted a complaint regarding the excessive phone calls to XXXX 's website ( XXXX ). In the complaint I advised XXXX that I would mail a correspondence instructing them to cease collection calls within two weeks of receiving the correspondence. I wrote the correspondence on XX/XX/XXXX and placed it in a mailbox the following day. As of this writing ( XX/XX/XXXX ) XXXX continues calling my home and mobile phones.
Since the Equifax credit breach I have tried on numerous occasions to freeze my credit account and also to sign up for credit monitoring. When trying to freeze my account I constantly get a 500 error code from Equifax stating They are not able to to do this at this time, and then give the address to the 2 other credit agencies to get them to freeze their accounts? On the credit monitoring site, it refuses to go through even though I have given all the required information. 

Something needs to be done to make these people do what they are supposed to do they are making it impossible to protect ourselves.