WillisBack/dataset-financial-user-claim huggingface dataset:
More than eight weeks ago, I called the number a consumer is supposed to call to request copies of credit reports from all XXXX credit reporting agencies. I gave them all of my sensitive information plus my current street address and telephone number. The XXXX probably has a record of my call, but I have heard nothing about the requested credit reports. I do not know what to do next.
This debt was reported on my credit after I already advised the original creditor that it was not my debt and fraud since I had no longer lived at this residence and I never signed a contract I advised them that it was fraud and they never reported it But sold it years later to Credence who report on my credit with no contact or mail This is causing great harm to my credit when it was fraud on someone elses part,
The lady from the finance company calls as many as XXXX times a day, sometimes within minutes of the previous call. Even when payments have been made towards the loan, she still calls, as early as XXXX days after a missed/late payment. She tries calling from multiple numbers too. It got to the point that we had to block the numbers from the office, and then her cell phone number when she started calling from it.
XXXX XXXX on X/X/17 sent me a letter from the District Manger Stating a {$0.00} balance on my account. 

There are other issues at hand showing late days of 180 days if you look at the dates by XXXX and the dates it makes no since and the Letter dated X/X/17 and its late when the account was closed out so how does the account run that many days late. 

My next issue XXXX XXXX was serve 3 letters to pick up the lease Furniture and did not answer after I call and sent certified mail to close out the account. I have all the Reg Mail from the post office in which they never replied back until I had to go to an attorney about the problem. 

There is no balance on this account I have the letter from the District Manager for XXXX XXXX  regarding the Situation and they have me listed at XXXX and And Experian as a Charge off balance in which there is no balance nor a charge off. The account is inactive as stated by the District Manager. 

I have tried several times to resolve the issue with them on the matter. 

There is no balance owed as stated by the XXXX or  Experian
I contacted the creditor on several occasions and informed them that I am unable to receive personal phone calls during working hours, XXXX. I was contacted repeatedly during these times. I called the creditor yet again to tell them not to contact me during these times and the person said that it did not matter and that they can and would contact me at any time between XXXX and XXXX. I found this to be hostile and intimidating. 

I closed my account and am trying to pay off my remaining balance. After 40+ phone calls I found that it is impossible to access your account online if you have cancelled you card. I did not receive any statements or bills in the mail. Without online access to my account I could not make timely payments allowing US Bank to add hundreds to my account in late fees. 

The card and interest rate were predatory in nature. I was given the application in a bar while on XXXX break. I think it is immoral for US Bank to target intoxicated teens on XXXX break with high interest credit cards. I do n't expect the CFPB to do anything about it but I want people to know the type of business US Bank is.
I called Equifax and they stated NO fraud alert is listed on my credit file which should not be as I never requested one be added. Again the car company pulled my credit and yes it is on there. I need help. Equifax does have the alert on my credit file
The company Progressive management at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX filed on my credit report for a debt for XXXX XXXX who is of new relation to me and I have never been married to
I applied for a loan online through a loan company that sends my information to a group of lenders to get them to accept my application. I was contacted saying I was approved for a {$5000.00} loan. I thought these type of companies were legit but now I am seeing that even they are fradulent. I was at work and desperate for funds so I could go to my grandmothers funeral. They agreed to give me a small loan to make a payment within 24 hours. My account was in the negative to begin with so I didnt think anything of it. Now my bank account us being closed by my bank and they are saying I committed fraud but I had no knowledge I offered to send them all the emails between them and I and they refused to receive it saying it dosent matter pretty much it is not their concern. This is going to go against me on my credit when this is not even my fault. Help what do I do?
I tried opening an account with XXXX XXXX an was denied because of something on my credit report. I checked XXXX XXXX, XXXX XXXX, & XXXX. An did n't see anything on there. I would like to know what the issue is an if it can be removed. Thank you an have a great day.
Equifax provided lax security to my personal information and was hacked ... then wants me to sign up to monitor my credit. Unbelievable!
Green Tree/ Ditech are holding up my loan modification. They put me in a streamline modification and never sent me any info of contract or forms to sign. Told me after I pay the XXXX payments I will receive papers. I owe less than 15 yrs on mortgage and told me the streamline would put me in a 40 yr. I only owe about {$6000.00} in back mortgage payments. I told the loan modification agent I want to apply for HEMP which will be better for me. They told ( me after XXXX applications that conveniently continue to miss only the important page of income verification ), that I did n't qualify. It was like pulling teeth to have them give me a reason why, which they eventually stated they were missing my proof of income again which was untrue as I had prior phone call with agent verifying they had all papers needed. Then they claim I was denied because I did n't live in a designated area. No such requirement!! They finally admitted I was approved for HEMP but they determined I was better served to stay in streamline modification. Really!! They refuse to send me any written info on my HEMP application. They want me locked into a 40 yr mortgage with all service charges, late fees and what ever bogus charges they choose to tack on without letting me know in writing until I 'm locked in. They are obviously blocking all applications for loan modifications by losing papers, not sending timely documents for me to sign, dragging their feet and giving false information. How can a government program be left in the hands of these crooks. I say follow the money and there 's no way the government does n't know what 's going on. Desperate home owners are being forced into a streamline mortgage which is basically restructuring the loan to be extended XXXX the original time left on a mortgage.Forcing an applicant to agree to all the hidden terms until the owner is locked in. It states on the info on the government web site that if a homeowner is offered the streamline it is a great benefit to apply for the HEMP modification as it can greatly reduce interest and additional cost which would be added if one stayed with the streamline. It states that one has only 30 days once the applicant is approved for streamline and paid the first XXXX payments on time to apply for HEMP. So why does Green Tree refuse to allow the applicant the ability to apply for the HEMP. The agents repeatedly claim the streamline is so much better and you do n't need to do anything just make your first XXXX payments. They even lied about when the payments were due. If I had n't been pro active and investigated the actual date payment due I would have been 1 week late. I would have lost my home!!! Green tree/Ditech have no interest in helping the home owner, only how to steal your home for XXXX on the dollar or have you be locked into a high interest mortgage plus extra charges for 40 yrs. Seems like loan shark tactics. I need a good lawyer to look into whistle blower class action law suit. If one see this, I have all documentation and records of dates times and names etc.
I am writing to complain about a recent expierence with my bank Branch Banking and Trust Company. I have had an account with them since XX/XX/XXXX. On Tuesday XX/XX/XXXX I went to my local branch at XXXX, SC, XXXX phone XXXX. I talked to a Branch Team Member XXXX. I requested that my current checking account be closed and I opened a new one. I gave her a list of items I wanted paid and left just enough money in the account so those Items would clear. Also a month earlier I opted out of over draft and ach/ech protection and instructed her not to pay any other items presented, pretty clear cut instructions and she said she under stood. I also deposited {$20.00} in my new account the next day my wife came in to put her name on the account and deposit {$300.00} she was told an item that was not on the list was paid and that she owed {$10.00} more dollars.I contacted XXXX and she politely told me that they could not close my account until all the Items cleared. I asked if I could talk to her supervisor she gave me a phone # where I was told to leave a message no one ever called back. On the morning of the XX/XX/XXXX I went online and found I was charged overdraft fees of {$36.00}, {$36.00}, and {$72.00} to cover other Items I did not authorize. I contacted XXXX on the phone and asked her how much I needed to deposit to close my account for good so no more transactions would be processed she said {$620.00} I deposited over {$800.00} and thought the matter had been taken care of for good. Today I went online and found they processed another item out of my old account and charged me a {$72.00} overdraft fee. I called to talk to XXXX and she would not take my call i explained my story to a teller she told me my account would be closed tonight and I would have a positive balance of about {$60.00} on Wensday XX/XX/XXXX.At the least this is the worst example of customer service I have ever seen. However I think they may even be in violation of some consumer protection laws for one I was opted out of over draf protect but still charged over {$300.00} in over drat fees to cover items that did not even amount to that much. When I politely asked for a refund I was refused, Your assistance in this matter would be greatly appreciated my contact info is XXXX XXXX SC XXXX. Phone XXXX XXXX XXXX, and E- Mail XXXX Regards XXXX
I recently closed a Capital One secured credit card. I did so after a minor identity theft issue. Capital One locked my card and told me I had to submit a birth certificate, social security card, XXXX or employer information, proof of address and driver 's license to unlock the card. But given the identity theft I was not willing to do that. So once I closed the account I was guaranteed my deposit ( {$200.00} ) minus and balance on the card would be returned to me ( {$51.00} ) within 3 weeks. It has now been 3 months and nothing. I began making calls only to be told I needed to verify my identity in order to get my money. I even had my bank conference in and tell them it was me, I verbally verified my social, the bank offered to reverse request the funds all of which Capital One refused. They will not release the money until I send one of a kind documents digitally to them.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX ACS
No knowledge of XXXX XXXX card dated XX/XX/XXXX-XX/XX/XXXX, XXXX.. Have contacted to be removed due to no knowledge. Still no proof provided and still no removal.
I reviewed my report and discovered many fraudulent and incorrect information listed. I was a victim of identity fraud and I am requesting these fraudulent items be blocked.
i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is 3 years which makes this a time-barred debt.XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.
I do not have an open acct with XXXX XXXX. 
I do not owe any money to this company.
I am set up for online credit card payments with XXXX XXXX  Services and I made a payment of {$240.00} ( the minimum payment ) by the due date of XXXX/XXXX/2017. However, they are claiming my XXXX payment was late because it was paid after the " cutoff '' time, which is not noted anywhere on their website 's payment portal. As a result, I was charged a late fee of {$27.00} for supposedly making a late payment. I do not believe they should charge this fee when they do not make it clear when the " cutoff '' time is. I have attached screenshots of their online payment portal and I would appreciate if your agency would look into this.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX  XXXX
I called transunion and told them there was a error with there system they remove my inquires and they put there back on without the proper notification
Dear CFPB, I am writing to you in regards to my credit card. My card was compromised and someone purchased {$670.00} worth of merchandise from XXXX. Therefore, the credit card company took these charges off of my card. Then, apparently the merchant repaid the charges, and the credit card company put the XXXX charges back on my account. They say I was re-embursed twice. I 'm not understanding how. All I do understand is that I 'm paying for {$670.00} that I did not purchase. I hope you can figure this out and help me. Thank you for your time. XXXX XXXX XXXX
I called Account Recovery Services on XX/XX/XXXX to inquire about a Collection Placed on my Credit Report. They told me it was from a XXXX XXXX in XX/XX/XXXX and for a total of {$310.00} They claimed to have sent me a notice about this but I never received anything via mail or phone calls. I was then told they had the wrong phone number, either way I was never given a chance to dispute this and it just came up on my credit report out of nowhere on XX/XX/XXXX They gave me information over the phone but refused to send any actual physical paperwork to me. I'd be willing to pay to clear this up if it is indeed my debt, but I was told I won't be sent any paperwork saying that until I pay. And they will only send it via email and not a physical hard copy. They then wanted credit card payment over the phone right away and I'm not entirely sure this collection is even accurate. 

I've contacted the original facility that Account Recovery Service said this debt is from and they have no records showing any outstanding debt or even a visit from me during this time frame. I also contacted the hospital 's internal and external billing departments and no one shows any recorded visits from XX/XX/XXXX or any past due bills from that time frame
I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX SEND THE COP TO MY HOME THREAT TO TAKE ME TO COURT.TRING TO SUE ME FOR A CREDIT CARD THAT I NEVER HAD.SOME ONE ELS OPEN A CREDIT CARD IN MY NAME.
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry was initiated by XXXX BANK on XXXX. I did not authorize any employee of XXXX BANK to review my records for any reason at any time. I had also requested XXXX BANK to provide me with documentation for my verification within 5 business days and they have failed to do so, in clear violation of my FRCA and Privacy Rights. I have continued to suffer irreparable economic injuries as a direct result of this negligence on the part of the BANK, including but not limited to inability to secure meaningful employment, housing and obtain new credit.
I need assistance getting a foreclosure sale that is scheduled on XXXX/XXXX/15 postponed. I am behind in my mortgage payments and have reached out to my mortgage company for help. They told me to send in all the application paperwork so I can be considered for a loan modification which I have already sent in. Now they are telling me it is too close to the sale date to do anything, please help.
XXXX Mortgage foreclosed on my home on XXXX/XXXX/16. I receive notice from Nationstar Mortgage in the past few days looking for payment on my " account. '' XXXX sold Nationstar an already foreclosed upon mortgage on XXXX XXXX, 2016, pursuant to my conversation with Nationstar.
My student loans were acquired threw XXXX which we no is now Navient. When i graduated from college in 2012 i had trouble finding steady work for years, i tried to keep up with my loan payments but i could not for financial reasons. Navient would always push me to a forbearance or deferment, so now these loans are costing me more than they ever should have. I am currently up do date with my loans, however i do not feel i was treated fairly i was getting charged interest while on deferment and i did not no this. Im not sure what exactly i can do so I am asking for help.
failed to sell the car in a commercially reasonable manner and sold at below fair market value. Also no notification of the sale was provided. As required by law.
For the past two to three months, I have been receiving calls from Monarch Recovery Management attempting to collect a debt. The callers leave a message on my cell phone voicemail because I do not answer calls from callers not in my cell phone address book or callers with an Unknown caller ID. The phone numbers being used to call me show up in my caller ID with no name. The area codes used are XXXX and XXXX. The phone numbers change within the XXXX area codes on subsequent calls. 

The callers identify themselves as Monarch Recovery Management, stating that this is a call from a debt collector. Sometimes they say they are calling to collect a debt. In ALL cases, the callers NEVER give the name of the supposed debtor. On occasion no message has been left at all. 

I do not have ANY delinquent debts, so I should not be receiving debt collection calls.
On XXXX XXXX, 2015, I was traveling with my wife on XXXX XXXX Flight number XXXX from XXXX to XXXX. The pilot came on the speaker at approximately XXXX CDT and announced that if we applied for an XXXX XXXX Advantage Card, we would receive a sign up bonus of XXXX frequent flyer miles and if we turned the application back into the flight attendant while on board we would receive an additional XXXX frequent flyer miles. Both my wife and I applied and turned our applications into the flight attendant. When the flight attendant brought us the application and we saw it only mentioned XXXX miles in the application, we questioned her to make sure we understood that if we applied, met the other qualifications ( spend {$3000.00} within 90 days ) and were approved and it occurred while on board, we would received a total of XXXX frequent flyer miles. The flight attendant assured us that this was correct. Also the application noted our flight number ( XXXX ) next to our signatures. 
We were both approved and when the literature arrived, describing the card and its benefits, it did not mention any supplemental benefit, i.e., the additional XXXX miles. I immediately called Citibank and spoke to a representative and gave him all of the details. I received a letter on Friday XX/XX/XXXX that said they had investigated my complaint and they advised they could not approve the additional miles. I have covered my damages by buying XXXX miles for {$860.00} today. I observed several other passengers apply the same time I did, so there may as many as XXXX-XXXX other parties affected. They would be easy to find as the application date would be XX/XX/XXXX, XX/XX/XXXX or at most the XX/XX/XXXX.