WillisBack/dataset-financial-user-claim huggingface dataset:
every day for the last 4 months XXXX XXXX has been calling my no and my wifes no 2 to 3 times a day at all times of any given day on Sat and Sundays also. I have asked 10 or 20 times for them to stop calling and they have even texted my wife stating where is the truck XXXX XXXX we will have you arrested. I even called the CEO of XXXX XXXX he lied and said they only call once a day according to his records but my records and phone shows they have called us over a 100 times. One employee stated he and they will call every XXXX day till debt is paid. We are so tired of companys breaking the law and no agencies do anything bout it. We as hard working tax paying Americans are held to obey the law and its ok, but company think they are above the law in question. What I think shoulsd be done is to be paid XXXX a call for their unlawful collection acts and violations of the Fair Debt Collection act.
I have done my research on this collection company that is reporting to my Credit Reports that I owe a debt, and in my findings I discovered via The California Secretary of State that XXXX XXXX XXXX is not, nor have they ever been bonded in the state of California to do business and/or collect debts. So i have questions : 1. What is your authorization of law for your collection of information? 2. What is your authorization of law for your collection of this alleged debt? 3. Can you evidence your authorization to do business or operate in this state?
Equifax mishandled my information sometime in XXXX and has confirmed it through the site they provided to check if I was affected. This has led to a breach that puts myself and over a million of other at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. Equifax as well as other credit reporting industries should be required to use proper, and common sense, security measures to secure data going forward. Being forced to use a credit checking service due to the nature of how credit works, and the fact they are such a cornerstone for this type of service makes this breach inexcusable and clearly proper security measures were not in place nor acted upon. The fact this breach went unreported or dealt with for so long shows serious negligence and a lack of concern for the sensitive material they are privileged to handle. Equifax should be forced to compensate ALL affected customers for mishandling their information and for all current and future damages caused by this breach. Also more than 1 year of credit monitoring should be offered due to the nature of the information taken and the fact that it could effectively be used within the rest of any of our lifetimes. 

This is a serious breach that exposes myself and over a hundred million others to credit fraud, stress, and potential hardship and I fully expect Equifax to be dealt with to the fullest extent of the law.
VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW EXPERIAN AND XXXX ALL BC OF XXXX  PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY XXXX TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID EXPERIAN HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM EXPERIAN, XXXX AND XXXX AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. XXXX.
My mortgage holder is Caliber Home loans. I made mortgage modification XX/XX/2015.According to my agreement I have to pay mortgage and maintenance fee to Caliber Home loans and bank have to pay maintenance fee to my HOA.By some reason Caliber do n't pay.
I have received a letter from XXXX XXXX XXXX. The letter indicated that I owe {$6400.00} to chase Manhattan Bank, which they are willing to settle it for half the amount. When I called them they wanted my social security number and date of birth to reveal any information to me. I didnt give any of those information, then i contacted chae bank which they informed me that I do not owe them any money. My credit is excellent and do not owe any credit company any past due. Please look into this company. I am afraid they hurt my credit report.
I will keep writing complaints until the correct action is taken either by sending me something through the Consumer Financial Protection Bureau that contains my personal information or block it on my credit report. XXXX XXXX XXXX has told me that a name is on the account in question that is not mine and I do not know this person. I question Equifax 's proof of verification when they have not sent me the proof. I will back off when XXXX XXXX XXXX contacts me saying their investigation proves the account was open fradulently, until then the information should be blocked. I also question Equifax 's proof of verification when another credit reporting agency could not get verification so the account was blocked. I will keep writing until this is corrected.
I entered into a contract with XXXX ( web development company ) and funded a contract with the amount of {$5400.00}. Due to outside circumstances ( delays, poor performance ) we canceled the contract on XXXX. This was consulted by XXXX dispute team and American Express. The balance of the contract was {$2700.00} which we tried to recover on XXXX and via American Express dispute. After multiple attempts XXXX  advised moving to arbitration ( AAA ) with an additional fee of {$290.00} and after a call to American Express on XX/XX/2018, by the customer rep on a recorded call they said not to pay the arbitration cost and American Express will handle the dispute. On XX/XX/2018, I was notified that we lost the dispute citing that the other party on XXXX paid for their portion of the arbitration. The funds in total were distributed to the other party due to the American Express rep. American Express needs to consult the XX/XX/2018 call recording with XXXX where he states that we should not pay the {$290.00} arbitration fee. We seek American Express to credit our account in the amount of {$2700.00} as it was under their advice on a recorded call from XX/XX/2018, that we did not enter into arbitration thereby losing the money we had in our escrow account. This is evidenced by the recorded call and the letter attached from American Express dated XX/XX/2018. We have now opened three disputes with American Express. American Express acknowledged on a recorded call I am in possession of that the call from XX/XX/XXXX exists and to seek 3rd party legal help. Please see attached documents for timeline and resolution from American Express that we dispute. From the previous dispute, American Express acknowledges that they " found we could have more clearly explained how the dispute process works. We apologize for any misunderstanding you may have experienced as a result of this matter I am glad this is a {$2700.00} teachable moment for American Express. If this is such a misunderstanding why will they not release the call to the CFPB and or myself as stated here, " Phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena. " American Express knows that they offered the wrong advise even when point blank asking if we should pay the arbitration fee, they then said no on several calls not just the XX/XX/XXXX call. I have been a customer for 14 years, you lost me and everyone I know now. 

American Express references a call constantly as per the two previous complaints yet fails to realize and understand the call in which we spoke to a supervisor was after the cut off date for arbitration which is even shown in the documentation sent from XXXX to American Express for their dispute records.
Earlier this XXXX, I saw a promotion offered by Bank of the West. They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of up to {$150.00}. Please see attached " offer detail.jpg ''. I thought it was good deal and applied for it right away. According to the offer term, I had to complete 10 debit card transactions in following two months. The {$50.00} bonus would be paid by XX/XX/XXXX. I have completed their 10 debit card transactions requirement by XX/XX/XXXX. Bank of the West, however, does n't honor this bonus as of today.
US Bank and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.
I was incorrectly assessed a {$14.00} fee by Bank of America at the end of XXXX. I needed to call them up and spend a long time talking with them to get them to finally reverse the fee. Then at the end of XXXX I had the same {$14.00} fee taken from my account. This time I tried to correct the issue using their chat feature on their website, but they told me that the type of account I had with them ( Regular Checking ) did n't exist anymore. Finally after I failed with the chat feature after over an hour, I had to call a manager who was able to reverse the fee but still could n't explain what happened. I opened a case with the XXXX, but was never contacted back. To me I suspect that BofA is committing this fraud with a lot of their customers hoping that the customers do n't check their statement close enough.
Fees and charges got to be just out of hand could n't keep up paying it now my {$590.00} bill is $  XXXX  the rest is interest and fees.
After sending a certified written letter asking for validation of a debt, the company started nuisance calling relatives. Repeated phone calls with no one responding when the phone was answered.
I have a a unverified account from Online In Services. I had previously disputed this account. I have never done business with Online In Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatOnline In Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Online In Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
There is no way that I owe XXXX XXXX XXXX XXXX XXXX {$650.00}. I have insurance and have been there so many times and they have never mentioned that I owe money. I have tried to dispute this debt so many times and they have yet to verify and validate that it is owed.
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company. I also have your letter that violates the FDCPA and proof that you would rather keep sending this letter with the violation rather and pay the damages to consumers since you make more money off the letter than you pay out in damages. Get this off my credit.
Case Subject : violation of TILA ( Pub. XXXX ) Case Description : On XXXX XXXX, 2016, {$1200.00} was transferred from my XXXX checking account to my Navy Federal Credit Union checking account via ACH funds transfer. When the funds arrived in my Navy Federal Credit Union checking account on XXXX XXXX, 2016 ; I found nothing was in my checking account, after trying to purchase some groceries at a local supermarket. Navy Federal Credit Union had XXXX pirated XXXX the funds that were in my checking account ( at the time : {$1200.00} ). [ In violation of 12 C.F.R. 1026.12 ( d ) ]. I called N.F.C.U. multiple times to resolve the issue, but was told to speak to someone in a different department, or that they could not help me. I was finally able to speak to XXXX different " managers '' in XXXX different departments ( checking and credit cards ). Neither was willing to work out this issue. If it had been their sons ' it would have been a different story!!! 
I requested the checking account Manager to provide an audit of the account per G.A.A.P or XXXX. conventions on acceptable accounting practices, which the account manager flatly refused and said " you are repeating something you read off the internet. ''!!!! A " consensual '' security interest in the account was not granted or intended, nor was I AWARE of granting such security interest.
I have called Equifax consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with Equifax but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. 

I have tried to explain to the Equifax representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. 

I tried calling XXXX XXXX XXXXXXXX myself but I have not been able to have them help me because this account has information that does not match mine. Equifax continues to report this account on my credit report.
My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX  XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified XXXX multiple times but they won't remove it off my credit report. USAA also has a missed payment on my XXXX credit report that needs to be removed, I was never late on.
On XX/XX/XXXX I opened a dispute with XXXX over two payments with Mohela back in XX/XX/XXXX. The dispute was updated on XX/XX/XXXX and I had initially missed what they had reported because I looked at my open loans for results and they had updated one of the loans and it looked fine. On XX/XX/XXXX I applied for a mortgage, when my lender gave me my report I realized that Mohela had completely changed the information on my loan. My loan is active and in good standing but is showing as refinanced in XX/XX/XXXX with a delinquent payment history. My loan origination date has also been changed from XX/XX/XXXX to XX/XX/XXXX and the beginning balance is inaccurate. Later that day I called Mohela three separate times trying to straighten it out and they just keep telling me they never reported that information. I repeatedly told them that I was looking at a copy of my credit report from that day and the information had been reported by them and needed to be corrected because it is preventing me from buying a home, they claim it must be the credit bureaus fault.
I had a HELOC with Citibank in 2010 that was charged off but no document was sent to me that provided the filed date. I am attempting to retrieve a document with the charge off date as the credit bureau has it incorrect and/or is unclear about the date. I have spoken with XXXX different people in XXXX different departments always being transferred from one person to the next. I have sent 18 requests via fax since Thursday, XXXX XXXX with my information to confirm receipt. I have not received any communication from them from those requests. All I need is a document with the correct charge off date so I can have my credit corrected.
Account shows transactions that we 're performed via debit as 2 days in future when in fact were performed 4 days prior and show as pending. All cash was removed from account and now accredited with {$200.00} out of thin air. Transaction dates manipulated not matching receipts. Transactions moved around of order. Possibly trying to manipulate account to try and gain overdraft fees.
Notice of Change of Interest Rate On XXXX XXXX XXXX, the Federal Reserve announced their decision to increase the US Prime Rate by 0.25 %. All Peaks loan contracts includes a variable rate tied to this index and therefore, effective XXXX XXXX XXXX, interest rates increased by 0.25 %. The increase in the interest rate will cause your payment to re-amortize resulting in a slightly higher monthly payment which will take effect for any payments which billed after XXXX XXXX, XXXX. 

www.peaksloan.com.
My car loan was with XXXX XXXX in New Jersey. I have been paying for over a year. I had a 10 day grace period. 

They " sold '' my loan to American Credit Acceptance. The only thing I received from this company was a letter stating that they had bought my loan, there were no notices included, I called them. I no longer have a grace period and was informed by American Credit Acceptance that if I'm late ( even one minute ) I accrue a {$2.00} a day late fee until I make my monthly payment and  when I make the payment, the ENTIRE payment will go towards the interest only. 

Every car loan I have ever had gave a grace period. 

I am on Social Security. If they are going to apply a late fee every month and apply the entire payment towards interest only, I'll be doing nothing but supporting that company and will never have anything applied toward the principle. 

It's bad enough that on a USED CAR LOAN I have a 23.9 % interest rate ( that's right 23.9 % ), but now I'll be paying that for the rest of my life because, being on Social Security I will never be able to pay on the exact due date. 

This company is a loan shark, shylock organization. 

I asked them about refinancing and they said I need to get a loan some place else if I want to refinance as they ONLY BUY LOANS.
XX/XX/XXXX - XX/XX/XXXX Various text messages received regarding a debt. 
Tuesday, XX/XX/XXXX - Relative contacted regarding a debt. 
No notice of any debt in writing to date. 
I do know what this is related to or if it 's a new fraud method. 
Traced phone number to www.jonathancfrank.com
In XXXX of 2016 I returned a {$5000.00} dollar leather sectional that I had purchased from XXXX because it was defective and the wood frame cracked in several places. I worked with a XXXX representative who was helpful and worked with me to get this sectional returned and credited. 

However once the sectional was returned and credited, XXXX showed my account as 30 days late despite the fact that I was never late but stopped paying after the sectional was returned. In addition they reduced my line of credit by 95 % so I could not even replace the sectional if I wanted to. 

I communicated this with the representative I had been working with and also called as per his suggestion the number he gave me where I was assured this negative mark would be taken off my account. I never bothered to look again until recently when I noticed that this was not the case and my account reflects a negative late mark from XXXX XXXX. 

I have several email from XXXX  that show I communicated with their representative. 

I need to get this erroneous negative mark off my account.
This is a complaint under the special rule for credit card purchases which is now supposed to be enforced by the CFPB. On XX/XX/2018 I was charged {$1500.00} for merchandise ordered from XXXX on the charge statement it is listed as XXXX XXXX XXXX Ohio XXXX Number XXXX, XXXX {$1500.00}. 

Unfortunately all of the merchandise arrived with DEFECTS that were either present immediately or surfaced over a month or so. The children 's kitchen play set gave off noxious fumes that could not be corrected even when we placed an air cleaner in the room with it and ran it 24 hours a day. 

The rug was frayed along the seems and was unraveling. 

The patio furniture, once assembled and placed in use began cracking ( if you weigh XXXX pounds, you should be able to sit in a patio chair without have the wood it is made from split ) The bureau which was not as described and was made of particle board arrived without knobs and the finish has since started deteriorating as the particle board flakes from moisture ( this was at a humidity level of 61 % ). 

The table is also a veneer and the veneer is bubbling. 

I have attached photos of these. 

I have tried without success since the original defective merchandise arrived to get the company, XXXX to make this right, In the latest round they told me the " best they can do is offer me {$250.00}. '' Further a prior complaint to CFPB was completely mishandled as CFPB failed to do their duty and enforce the Special Rule for Credit Card purchases which is specifically designed to protect consumers like me from unreasonable retailers who sell defective goods and are deceptive in their descriptions of those goods and unwilling to fix the problem.
On  XXXX   XXXX ,    2017  I received a {$250.00} American Express gift card that I won on a raffle. I decided that I would hold on to it until I went on vacation in  XXXX   XXXX  in  XXXX . On  XXXX   XXXX ,  2017  I decided to open the sealed cardboard enclosure that contain the gift card and checked the balance. I used the website  ( americanexpress.com/mygiftcard ) and found th at someone brought something from a   XXXX   XXXX   in  XXXX , CA for the amount of {$230.00} on  XXXX   XXXX ,  2017 . I then contacted American Express  Gift Card  department at  XXXX  and informed the person that there was a fraud purchase using the gift card. She confirmed that there was a purchase and then took down my contact information and told me that someone would contact me in regards to this. I have not heard from American Express regarding this matter.