WillisBack/dataset-financial-user-claim huggingface dataset:
So after I graduated, XXXX XXXX sent me to " XXXX XXXX XXXX  '' who signed me up with a fraudulent company called " Equitable Acceptance '' who do consolidations for XXXX XXXX at no cost to them but charged ( unbeknownst to me and my father ) me over {$1000.00} to do consolidation paperwork. we were told nothing other than we had to pay a {$50.00} consolidation fee. We were not told that we would owe them over a grand just to do paperwork. It is so sad that the federal government that is supposed to have its citizens backs supports the likes of this scam company. I was very proud to be the first member of my family to graduate college and now it is one of my biggest regrets as i am over {$100000.00} in debt and have no end in sight of paying that off. My future children will not fall into the trap that is the American education system. Our government has let me and my family down on this one and i am deeply disappointed and bitter about this. PLEASE PLEASE PLEASE do NOT let anyone turn your loans over to either XXXX XXXX XXXX  or Equitable Acceptance as they are both nothing more than scams.
Have a credit account with capital one bank for several years. They restrict my account because they think it 's a fraud issue after send my personal information many times and speak to many mangers has not been resolve my problem
I attempted to address an incorrectly reported debt with MRS BPO, L.L.C. but was informed the debt had been transferred again to another company and would need to be resolved with them.
XXXX XXXX (? ) from XXXX XXXX XXXX. called my wife 's phone asking for me. He wanted to verify my social and DOB without telling me who he was calling on behalf of. Gave ma a call back number and was very rude. I told him I would not verify information, but if he told me what company i supposedly owed, I would contact them directly. 

I called them back from my phone and they knew who I was as soon as they answered and told them to validate the debt and send paperwork to my address since they know so much about me. Said they could not send anything without verifying my identity first. 

Asked for a business address and they gave me an address in XXXX, SC and was calling from a local phone number in XXXX, Or. 

I do not plan on responding until they validate the debt.
We have been with Ditech for a couple of years. In XX/XX/XXXX, we submitted papers to loss mitigation to lower our payment. We then found out certain documents were missing. We then resubmitted in XX/XX/XXXX. Every time we would speak with a different representative, then get different information. We would submit a document they needed then not hear from them, then I would call to make sure everything was fine then they would need something else. It is now XXXX XXXX, 2016 and I can not get a representative on the phone. We have called for two weeks and when I say representative it switches to that extension then says I have read an invalid number. So I have sent three emails to ditech explaining I cant get a person on the phone so that I can ensure my paper work is fine. Their response is to call the same XXXX number. Which I in turn do and still the same recording occurs. I have also called the department of ditech that is taking loans so that I could speak with a live person- after speaking with them they switch me to correct department and the same thing happens ... .you have reached an invalid extension. No one from the company calls my house, cell phone or work. I can not reach a person to speak with about my account. It is the most bizarre experience I have ever had. Plaese help!
Creditor participated in Unfair deceptive abusive acts or prices ( UDAAP ) by unlawfully charging me unusually high interests and fees when the account was open and after they closed the account. They violated FDCPA Laws. This inputted a high burden on me and caused me to incur high charges and fees which I did not incur. Also, this greatly affected my credit and I will like the violations committed by the creditor to be investigated.
Wells Fargo agreed to modify our loan if we paid {$29000.00}, via XXXX XXXX XXXX money transfers. We wired the funds, Wells Fargo confirmed receipt of the full {$29000.00}. Then lost XXXX of the transfers and then did not honor the modification. We have been fighting with them since then. We had to file for a new modification loan, they denied because we had XXXX modification already. While we are in review, and appeal of their decision, they filed foreclosured.
In XXXX, I sent an investigation request to Experian, asking them to correct errors on my credit report. More than 30 days past, and we did not receive a response. On XXXX XXXX, we filed a grievance with your office regarding the delay from Experian. Experian responded to my complaint, and said they would send a copy of the credit update to us. More than a month has past, and we have still not received the credit update.
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response except a confusing statement about not being able to identify me. I sent the same request many others have sent and got responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Around the middle of XXXX, 2017, I opened a checking and savings account with Bank of America, and the account was open for 3 days. At that point, BoA closed the account, and they did not disclose a reason for why the account was closing. I attempted to find out why the account was closed, and no one would respond as to why.
I had a collections on my credit with XXXX XXXX XXXX. We tried to pay it, but they sent us to collections because they said I could not pay with them. Yes we were way behind, hard times at that time, it was either food on the table or car insurance. So I contacted the collection company and they told us that if we paid the debit it would be removed off credit. We settled and it is still on our credit. Its says paid, however it 's still there and they told us if we paid it would be removed! Here we are trying to clean up credit and pay everything off, yet its still on credit! What was the point! 

Can you please contact Credit collections/XXXX and have them take this off all credit reports! We paid it! 

Thank you!!!
The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.
I respectfully would be honored to bring forth the mentioning complaint number and case number # XXXX which has been once filed with the Consumer Financial Protection Bureau on XXXX XXXX, 2016 at XXXX XXXX. Truly whereas today I am having the very same problem with Capital One Bank, and their banking practices that remains the same as before, and I had once more would like this said bureau to respond according to the complaint at hand because one year later the same issue exist the calling, the lettering, but yet their management team did not respond to my hopes and wishes to correct the problem within the following months from my original submission of informative concerns towards these unfortunate issues at hand then, and now!
I have disputed XXXX  XXXX XXXX on several times with all three credit bureaus. The last dispute was on XX/XX/XXXX. The above collector States that the alleged accounts are accurate, but haven't sent any documentation to show that the accounts are valid. The Collector XXXX have no right to subrogate themselves in to a contract whether it's by purchase, assignment, transfer, or trade. XXXX is a third-party debit collector I didn't sign any contract with the above collector. I'm asking for the Collector to remove/ delete all alleged collection accounts from all 3 credit bureaus. They are in clear violation of Level 3 HIPAA subtitle D ARR be section of 13407 ( 1 ). No Permissible Business Purpose. The Collector has no right to collect anything from the alleged debtors without my consent / signed contract. The accounts that I'm requesting to be removed from all 3 credit bureaus are the alleged Account # XXXX with a balance of {$1100.00} & the alleged account # XXXX with a balance of {$35.00}. I'm asking for both collections be removed/ deleted from my credit report. I have no knowledge of either accounts. XXXX keep saying Accurate but haven't proven or sent any documentation with any information or a signed contract giving XXXX consent of permission to to have anything pertaining to my medical records on the alleged collection accounts. I don't have a valid contact with XXXX. It's against for any person Medical documents to be shared by without consent or a signed contract. Especially with a Third-party debt collector. If XXXX doesn't remove all accounts immediately I will be filing a formal complaint to the DHHS ( Department of Health ) and Human services, also OCR ( Office of Civil Rights. I have also ask the Collector to verify that they are licensed / Bonded to collect any debt in the state of Alabama but they refuse to verify that as well .They ignored that request on XX/XX/XXXX. I feel my Rights are being violated. No I'm not a lawyer or have all the degrees that they have but I works harder than anyone at XXXX. It's wrong and I Know my rights. I have no knowledge of these alleged accounts and I want them verified ( signed contract ) giving XXXX permission to have any alleged Medical documentation that belongs to me. I'm demanding all alleged accounts with the accounts numbers above be removed from my all 3 credit reports immediately.
My credit report says this was an account from XX/XX/XXXX from XXXX XXXX however this was recently submitted as a collection in late XX/XX/XXXX. I never received a notice or any communication of this being a debt owed from XXXX XXXX or from Knight Adjustment Bureau. When I contacted them they had all of my information wrong which was concerning and confirms to me that I don't own this account.
There was a transaction I used with my credit card and the seller sold me a blacklisted phone. I contacted Citibank. Let me tell you how difficult it was. I have call logs recorded showing I was on hold for 1.5 hours each time I called. Fine ok. I get it. Banks are busy. But when I finally reached someone, they XXXX English. I was transferred 3 times, with each transfer causing a 20 minute hold. Finally, when I reached someone to file a dispute, I had to wait 45 days. I did not hear anything from the bank. I contacted them to provide further evidence and they told me they did not need it. 45 days later, my request to dispute the transaction was denied. They did not have the proof I had and came to their own decision.
Last week, XX/XX/XXXX, i receive a phone call from MR XXXX, who keeps on calling me, my co workers, step mom. Both of which he called multiple times, when he already received my phone number from them. He called me, i chatted With him XX/XX/XXXX, he said he worked for AFS acceptance, i told him i couldnt make his payment at that time, he was very rude, asking for family members numbers and my wifes number to call her for a payment. I also said, do not call my work nor my family. He told me he got my privacy offline from the internet. Today, XX/XX/XXXX, he called me while i was working, and i cant Use my phone at work, he does NOT leave a voicemail, nor a message. He immidiatly calls my family member and co worker again stating he cant get ahold of me. He needs to stop calling me and my family and conworkers. Its getting out of hand. He needs to stop contacting me. How could someone so rude work for a company like that.
On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.
XX/XX/XXXX2018 : I called to inquire about a collections amount on my credit report. XXXX XXXX was whom I spoke with. He refused to tell me the original amount I owed, and whom I owed the money to. Thus, refusing to validate the debt. XXXX also informed me that his company does not own my debt and is just collecting on behalf of the original business. The way they make their money is from the interest on the debt. If they do not own my debt, how can his company charge me interest? Seems fraudulent to me. I was told that he could not provide me with the details of my original debt because medical records do not have to be held for the amount of time that has passed. XXXX became angry when I began to question his reasoning. He then told me that he indeed knew who I owed money to, but he wasn't going to tell me because he didn't want to, and he doesn't have to. These people should not be in business. They are clearly extorting people out of their money and threatening them with a big mark on their credit score. People will pay these thugs because they don't know any better. I need this off of my credit score completely ; like it never happened. It is upsetting to know that this company has access to my social security number. I appreciate any help I can get with this. Thank you.
previous Case number : XXXX I would like to re-address this complain because the law firm XXXX has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the Civil Court of XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from XXXX regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because XXXX have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from discover. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact XXXX to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact New York District attorney and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with XXXX in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
I opened an account at Suntrust Bank 3 weeks ago. After receiving my payroll check, I deposited it into my axcount. The bank CLEARED the check ( meaning they have they collected the money ) and then closed my account and is refusing to release the funds to me. No reason given. No explanation. Response from bank has been cold, dismissive apathy. They say they have the right to do this! Meanwhile, my utilities were shut off, bills unpaid, I can't buy food, gas or get to work. I have a XXXX son. Please somebody help me.
I am  a U.S. citizen w ith a primary residence in  XXXX . I established an account with Coinbase with  XXXX  ID. I soon discovered that I was unable to withdraw funds that I had deposited due to Coinbase not having a " processor '' in  XXXX  to facilitate withdrawal. The only activity I was able to conduct was depositing funds via credit card. I have tried to re-register my account to a valid  US address with a valid US Drivers License countless times using all facilities and options available to me thru the Coinbase website and mobile app. EVERY attempt has failed. I have attempted this well over 2 dozens times. I have inquire with Coinbase Customer Support also countless times. The only current option to contact them is via a website contact form, although when I first started this effort, I was able to use email. Regardless of method, Coinbase response was almost always a preformed response which was never helpful and never addressing my request for help. Currently I have money in a Coinbase account and have no way of withdrawing it.
On XX/XX/XXXX, 2017 I sent a certified letter ( XXXX ) to XXXX XXXX requesting to have my debt validated via in writing to my current address. In the letter I also stated If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. It has officially been over 30 calendar days and I have not heard back from the agency. I am now requesting to have the alleged account XXXX deleted from my credit report immediately.
I switched to another phone company and was told that I had been billed and paid all from XXXX XXXX. Then a few months later I received a letter from them saying I owed XXXX dollars on the closed account.
I have contacted Experian 3 times as well as XXXX XXXX about an unknown collection account that appeared on my credit that does not belong to me. Thus, far I have not received a response in this regard from Experian or the collection agency and it has been 2 months. However the account still remains on my credit. 
XXXX XXXX
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. I have a unverified account XXXX XXXX XXXX. I had previously disputed this account. I have never done business XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX Cease and Desist and I do not have any accounts with that company error please delete. See attachment below.
My husband and I purchased our new construction home in XX/XX/XXXX. We have never missed a payment and I refer to the monthly statement carefully. Our mortgage loan is with Freedom Mortgage and at this point I am contemplating whether we should move to another mortgage company or bank. At the time of closing our Taxes ( payment to Escrow ) was {$220.00}. I would always make a payment of {$2300.00} to {$2500.00}, again never late. In XX/XX/XXXX we did receive an Escrow refund check. I was advised by Freedom Mortgage that this was my money ... I should worry about having to return it to Escrow. Escrow is new to me because with our prior home loan we paid the taxes on our own. In my XX/XX/XXXX and XX/XX/XXXX there was {$0.00} applied to taxes. On XX/XX/XXXXI received a letter from Freedom Mortgage demanding a full payment of {$8800.00} or my payment would increase to {$3300.00}. Neither option was easy for us. The increase in monthly payment was impossible, so my husband and I opted to getting a loan from our 401K retirement account. It still isn't ideal, but we felt we were left with no choice. When I called Freedom Mortgage and in speaking with the Escrow specialist they admitted that it was overlooked. I feel strongly that we were taken advantage of maybe at closing, I am not sure. Is there a possibility to get refunded if it wasn't our fault?
I have been approved for a HAMP tier 2 permanent modification of my loan with OCWEN. I have made all three trial payments, have sent in paperwork and they have yet to update my information or send me a copy of the loan documents and my account states that I owe another ( 4th ) trial payment, which is erroneous based on the hamp trial payment terms. I have to wait days, sometimes weeks to speak with my " relationship manager ''. I want resolution. I want answers. I want them to get their act together and behave responsibly when dealing with the financial fate of others. They are capricious and erroneous. This is my second complaint with CFPB regarding Ocwen.
This originated from Walmart. I tried calling to get verification from Walmart which they have closed the account and XXXX XXXX is the collection agency. I have never received any mail from XXXX I have just seen it show up on my credit report. I am recently divorced and the debt was awarded to my ex husband in the divorce. I do know the debt with Walmart was not {$2800.00} which XXXX states. when I called to give divorce paper work the guy told me they are suing me but yet ive never had any mail or anything about paying them at all. Even when calling Walmart I was told not to worry about it and to disregard. I do know they can not charge more for a debt than the original debt was its illegal.
I 'm not able to access money not able to go online and check my account and not able to login to my account balance is showing XXXX when there are available funds direct deposit is not showing