WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is deliberately reporting erroneously information on my credit report. Payment due XXXX/XXXX/2016 with a 7-day extension to XXXX XXXX, 2016. XXXX XXXX reported on XXXX XXXX, 2016 that consumer was 30-days late. I have disputed this information with Transunion, and the investigation states the information was verified. XXXX is deliberately lying. How can a bill be 30-days late on XXXX XXXX, 2016 when it was due XXXX XXXX, 2016?
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after twelve of  my mortgage paid off with XXXX XXXX XXXX in XX/XX/XXXX illegally harassing me and filing illegal foreclosure action in XX/XX/XXXX with no proof of transferred of mortgage and illegal securitization without any proof under Federal Truth In lending disclosure act. In addition, Nation Star Mortgage also engaged in frivolous and debt collection as a separate company with no relationship or business dealing in any shape or form. XXXX XXXX XXXX cancelled and discontinue foreclosure action in XX/XX/XXXX for lack of proof of valid debt as a matter of law. In XX/XX/XXXX, XXXX XXXX XXXX XXXX has my property listed as cash management. I do not owed any mortgage. How can you have a mortgage of $ XXXX, $ XXXX, and $ XXXX. The debt debt instrument was refinanced in XX/XX/XXXX and paid off at closing. I am target of manipulation and illegal debt or security instrument. Instrument was disposed in XX/XX/XXXX. Been harassed 12 years latter. The subject property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. 

XXXX XXXX XXXX XXXX located at share, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX, NY XXXX represent XXXX XXXX XXXX XXXX.  Telephone ( XXXX ) XXXX. 

Nation Star Mortgage is located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
Telephone ( XXXX ) XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX XXXX XXXX, Attn : XXXX XXXX located at XXXX XXXX. XXXX XXXX, XXXX, TX XXXX with telephone ( XXXX ) XXXX.
Hello, I have contacted AFNI ( collection company to validate a debt that is not mine, I sent this letter via certified mail in which they returned a bill from XXXX XXXX under the name XXXX XXXX, XXXX is my middle name but this debt is not mine. I requested AFNI to validate is information in which they refuse. I have disputed the information with all XXXX of the credit company 's in return they said debt has been validated. I never signed up for any XXXX account and I am being refused validation of this debt.
Interaction with Charles Shwab bank request to get a new debit card. I understand protecting my account and not disclosing to many details without verification but they have gone to an extreme - to the point where I do n't feel comfortable disclosing all those details over the phone or banking with them. When the owner of the account feels uncomfortable you have crossed the line. It 's my money in the account you should make me feel comfortable with you holding so many details about my life -- not the opposite. I answered questions as to how much money was in the account gave an approximate b/c that 's how the question was asked not exact amount in the account. I answered the account number # question. I was asked to disclose my last transactions. I answered mentioned they were all to pay credit cards - when probe I told them the XXXX credit companies that received payment. When probed again i said the amount for those transactions. Apparently this was not enough information and the individual wanted to know my login id. I asked him to ask me a different type of question. He said because I refused this question and the date of my birth question I had to go and perform my transaction in person. I am not asking for a transaction to withdraw funds or to change personal info on the account. I just wanted to request a new debit card. This person did n't care they only cared about getting more personal details about me instead of helping me out and refused to ask me a different question. He also asked me what was my mothers maiden name. I will be closing my account with them because honestly there is such a thing as common sense - I understand compliance but if bank institutions are just operating in a check the box mentality instead of using their brain -- -she just wants a debit card - if you want one we 'll send it to you to the address you have on file can you verify that address - great thanks have a nice day. that 's how that transaction should have gone. If I gave the incorrect address by all means put a red alert - ask me all the questions you want. 
Now I need to go and find a new bank and 401 K provider. A company that treats me as an individual.
this collection agency continues to report a " discharged account on my credit reports as an open collection account and are still trying to collect this debt. I contacted this company and are refusing to update this account to reflect an accurate status.
I had a bank account with PNC 4 years ago, and I needed to close my checking and savings account when I moved to XXXX, because PNC has no branch in MA. Last time, when I had to close an account, I went to a branch and had someone help me in person. However, since PNC does not operate in MA, I had no other choice but call the customer service line to close an account, and I had no idea how to close an account via phone. The agent that spoke with me on the phone back in late XXXX told me that once I transfer all my money out of the accounts, I could call them and they would close the accounts for me. But he did not tell me what happens if I don't call and not properly closing my account. Coming from XXXX, I had no idea debit cards could overdraw. Therefore, I believe it's PNC 's responsibility to acknowledge me about overdraft charges. And because PNC 's customer line always take a long time to get connected, I didn't call them on time, and was not aware my account was getting overdrafted. Starting XX/XX/XXXX, because my XXXX account was automatically linked to my PNC account, every time I use XXXX to make a payment, I get over charged for XXXX dollars at PNC. I was not aware of the charges because I knew I had no money in my PNC account, so when XXXX say : transaction is not completed, I then would use my new debit card to make the payment. In mid XXXX I went on my online banking and saw I was charged for {$300.00} and more overdraft and overdrawn fees. I was connected to the retail escalation group for some help, but they told me it's not a bank error and they can not help me. The agent was also out of the office for about 2 weeks and I was not able to get in touch with her. As a result, my account now is charged off, I was not notified and couldn't use online banking. I personally do not think PNC valued me as their customer. As a foreigner, I was not aware of banking in the States and I believe it's the bank 's job to inform me about the consequences of not closing the account properly. PNC didn't do their job to inform me and all the other people ( foreigners ) who is not aware of overcharging. Instead, they let me getting charged overtime. I am a student and I don't have the money to pay off this ridiculous amount of fees. PNC said they could not help me file more complaints and therefore I decided to contact the CFPB to help negotiate. Thank you for your help and understanding.
CDR is calling me about a co-worker who has a debt with them. They are calling my company issued cell phone and my home land line.
Over the few months. JPL Recovery Solutions, mainly a woman named XXXX XXXX has called me daily. She has called my places of employment, my land lord, my father, friends and family daily. Threatening to sue me, have me arrested, making false statements, refusing to provide answers to questions that they are required to provide, when asked, by law, and calling more frequently than is permitted.
I received a notice from magistrate court regarding a lawsuit that Bonneville Billing and Collections had filed. The document alleged that my wife and I both owed money for goods and services provided by XXXX XXXX XXXX. It further alleged that multiple attempts had been made by Bonneville to contact me. 
Nothing can be further from the truth. I have not received any correspondence or even one phone call regarding the alleged debt. They also included my wife on the lawsuit whom had never had any dealings with Bonneville or XXXX XXXX  XXXX. Bonneville claimed that they purchased the debt on XX/XX/2018 and were entitled to interest even though there had never been an agreement with myself or my wife that we would pay interest. Furthermore, the instance in question had been paid in full between my copay and my health insurance. According to the FDCPA, debt collectors are not allowed to contact family members regarding a debt. However, isnt that a violation when they add my wife to a bogus lawsuit? I believe that this was a carefully orchestrated scam perpetrated by Bonneville and their attorney of record, Bankruptcy Attorney XXXX XXXX, XXXX and XXXX of XXXX, Idaho. I believe that they have done this before and will continue doing this. It is illegal to lie in a complaint for a lawsuit, yet they did just that when they stated That due demand pursuant to Idaho Code 12-120 has been made upon defendant more than 10 days prior to filing of this action. And also That defendant refused or neglected to pay to Plaintiff the above mentioned sum despite demands made by Plaintiff. 

Bonneville Collections, who was the Plaintiff in this case, never once attempted to contact me, or my wife, the codefendant. 

This is a carefully orchestrated scam and they did not count on me disputing this. The lawsuit has been denied with the Judge entering a judgement for me, the defendant. 

Being as I have been completely honest about this case, I do believe that a business as well as their attorney representing them, should also be held to the same standard of honesty. Please see the attached documents supporting what I have said in this complaint. I have also included photos of the info from my health insurance website supporting my assertion that the doctors visit was paid in full with nothing being owed. My only hope is that they are not allowed to find vulnerable people and do this to them. 

Thanks for your time. 

XXXX XXXX
Please review prior complaints numbered : XXXX and XXXX. 
This complaint is a follow up to the XXXX prior complaints, and refers to untruthful statements made by Well Fargo in reply to BOTH the prior complaints. In summary, Wells Fargo alleges that I can transfer money from my US Wells Fargo accounts to my bank in the XXXX XXXX using the Wells Fargo online system. I have a Wells Fargo on line account ( despite the Wells Fargo repeated assertion that I do not have such an account ). I phoned the Wells Fargo phone Help Line today to help me transfer funds. They told me today that there is a tab on the online web page ( the tab is allegedly called " Wire Transfers '' ). No such tab appeared on my session with the Wells Fargo on line system. Wells Fargo asked me to reboot my computer, which I did. When I logged on to the Wells Fargo online system again, there was STILL NO SUCH TAB and no such page on their online system. Wells Fargo have told the CFPB in writing, twice, that wire transfers can be accomplished from the US to the XXXX using their online system, but today, even with the help of the Wells Fargo phone Help Line, Wells Fargo could not demonstrate that this transfer capability even exists.
XXXX XXXX is reporting the same account as XXXX. I have given Transunion ample time and documentation to prove the account is being reported in duplication. I need the accounts deleted immediately.
The student loan was through XXXX XXXX XXXX acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX by the following agencies are out of date or inaccurate. please fix
Chase, XXXX XXXX and XXXX XXXX refuses to give modification to certain clients whose loans they have classified as " subprime '' that were dispense during the recession in hopes the consumer will default and they will collect insurance.
I have called Synchrony Bank raveling my Amazon Store credit card on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time I have reported that I wanted to cancel " CARD SECURITY XXXX XXXX XXXX XXXX '' protection plan , which Amazon automatically enrolled me in upon receipt of the credit card. Each time the representative stated that would cancel the plan and I would be reimburse the charges going back to XX/XX/XXXX. However, the protection plan is still not cancelled and I continue to be charge for the protection plan regardless of my request to cancel it.
A vehicle I had was repossessed XX/XX/2015 and sold at auction. The company Santander has since sold the debt to XXXX. However they continue to report each month as if this a current debt, repeatedly preventing me from recover from the initial hit to my credit score. I have repeatedly dispute this with XXXX as per law once Santander sold the debt they are no longer allowed to continue to report it. However Santander keeps reporting as if this is a current debt and refuses to update my report to show they have sold the debt.
On XX/XX/18 a complaint was filed against me from a company called Midland Funding LLC. As of XX/XX/18 a summons was issued ans I'm still waiting to be served. However I have done some research and the business is not licensed to collect debt in my state. I also to my knowledge do not owe this company as I dont not have a contract with them. I first gained knowledge about this collection from a company called XXXX XXXX XXXX  XXXX XXXX. Letting me know that Midland filed a lawsuit and they would mediate for me. The amount that the letter says {$1600.00}. Plus interest and court fees
This is my third report towards AMEX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that AMEX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as AMEX refused to help during the time they held my money without authorization.
Hi, I have spoke to and disputed this bill 3 times now.I received three separate bills for the same day of service and one visit to my XXXX.Three different charges of XXXX broken down to three different accounts again for the same visit. I informed them that insurance has an agreement with these organization to accept a smaller amount or a settled amount for services so they are able to accept that particular insurance. I disputed the fact that I never signed anything that said I would owe a particular Dr. by the name of XXXX XXXX separately for the same services.I asked for a copy of were I signed and it said that. Despite the fact that I had full insurance and an account at work that would cover any differences.I never received an answer from them on what service it was and a signed contract that says I would pay Dr XXXX separately from my insurance. I just spoke to them and ask them why they would make it look like three separate accounts for one day of service at the credit bureau.It shows up as 3 collections on all three credit bureaus.Ido n't believe I should of been billed at all unless I knew I was going to billed twice.I am still waiting for the contract I signed that says I would pay that way.Never came.
Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Transunion. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Transunion has failed to provide the method of verification as required under Section 611 ( a ). 

Transunion has not only failed to provide verification ( written  documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Transunion updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.
Wa Mu gave me a loan of XXXX and a second of XXXX. I put down XXXX cash. I was led to believe this was a good mortgage. It was not until I went to refi ( my loan is 6 per cent interest only ) that I found out it is not XXXX XXXX or XXXX XXXX. Chase bought out Wa Mus loans but they refuse to re fi me. This is not only unfair, it should be illegal. I am XXXX year old XXXX vet and I need refi badly.
I bought a XXXX on XX/XX/XXXX. I did a trade-in on my previous car ( XXXX ) I owed {$10000.00} on that loan The dealership offered to pay {$7000.00} and the remainder {$3000.00} would be added to the new loan. To my understanding the XXXX was XXXX plus the {$3000.00} would equal to {$21000.00}. The only thing that the dealer stated was that my monthly payments would be {$630.00}. They never explained to me how interest worked or what my total would be for the XXXX. When it was time to sign the paperwork. the gentleman who handles that part of the process was very rushed and did not explain any of the papers. He just told me to sign everywhere that needed a signature. It was n't until he put everything in the envelope and i was waiting outside that i got a chance to read the paperwork. That 's when I saw my total was about {$49000.00}. I am in every way a honest person but I feel I got cheated ( in lack of a better word ).
Citi IdentityMonitor reference number XXXX ACCOUNT ENDIN XXXX
XXXX continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.
I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and Equifax and XXXX credit reports. <P/>They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
I have a credit card account with AT & T Universal. ( CITI ). My interest rate was raised to 16.9 %, I was told by an account rep. that it was raised because my daughter 's student loan, which I co-signed for, was late in payments. I have subsequently taken over her payments to ensure it does not affect me again. I have paid off all my credit cards, except this one. My FICA score increased to XXXX. I contacted AT & T Universal ( CITI ) to see about reducing the interest rate. I was told " its not that type of card, its revolving, ca n't help ''. It strikes me that if my interest rate can be raised for a co-signed loan, but not lowered with an increased score, the credit card company can do anything they want.I do n't think that 's fair.
I saw a photograph scanner advertised on XXXX in XX/XX/XXXX. I ordered the scanner for {$300.00} and I was told by the merchant it was a special program in cooperation with XXXX for a low price and to buy an XXXX gift card for {$300.00} and use this for payment. I bought the gift card and paid for the scanner. It did not arrive and after two weeks I contacted XXXX about this. They said it appeared to be a scam, despite being listed on XXXX and they refused to accept responsibility for the fraud. I had charged this to my credit card " XXXX XXXX XXXX '' from U.S. Bank, ending in XXXX, believing their advertising claims that this card would protect me from fraudulent transactions. They have denied this claim for {$300.00}, which appears to be a breach of their contract with me.
Have tried three times to receive my report as well as have is verified and updated, i have not received any response and need to do have it fixed
This collection agency calls me continually over and over from different phones numbers even block call numbers. They are looking for a person who I do not know. I have no idea who this XXXX person is or why she gave out my number. I have been repeatedly asking them not to call me since I do not know this person but every 5 to 10 minutes they call back asking for this XXXX person. This company XXXX XXXX will not stop harassing me.
Optimum Outcomes refuses to respond to letters requesting validation for a collection they are reporting on my  XXXX  credit report. They are in violation of both Federal and TX law. Texas law provides that I can request validation at ANY time. I have no idea who they are collecting for and who owns the alleged debt. I have never received any communication from Optimum Outcomes. I only found out about this collection from reviewing my credit report. Optimum Outcomes continues to verify with  XXXX  and they refuse to respond to my letters.   The account number listed on my  XXXX  report is  XXXX . The last  XXXX  numbers have  XXXX  's so the entire account number is not listed. At this point, by their refusal to provide me with ANY documentation, I have no other reason than to believe that this is a bogus debt and an attempt at extortion. They are currently reporting a collection in the amount of  XXXX . I need to know who they are supposedly collecting for so I can advise them of Optimum Outcomes abusive and highly illegal behavior. I will not hesitate to contact an attorney should Optimum Outcomes continue to ignore my requests for validation while continuing to verify with  XXXX . This is extremely unethical and illegal behavior.