WillisBack/dataset-financial-user-claim huggingface dataset:
We are seniors who purchased our property in XX/XX/XXXX ; we were given XXXX loans to make up the 100 % loan mortgage. We began to make the mortgage payments as responsible citizens and homeowners. Then in XX/XX/XXXX we became the victims of a scammer who convinced us that we can receive a lower mortgage payment through a modification with their assistance and advised us that we needed to stop making payments in order to qualify. Trusting the source that is just what we did and unfortunately this turned out to be a huge mistake. Because of this action going back and forth we were in this situation for over four years until we finally received a modification. Although, the modification we received from Bank of America was not affordable we accepted the offer under desperation to get out of the current foreclosure status. 

In the meantime XXXX XXXX health was deteriorating more and more to the point that XXXX XXXX his wife had to stop working in order to take care of XXXX XXXX. After XXXX XXXX illness ( XXXX ) XXXX XXXX was not able to work and had to solely depend on their combine Social Security, pension and rental income. Therefore, due to their financial circumstance 's being on a fixed income, it has been very difficult to keep up with the first mortgage and even more difficult to come up with the second mortgage payments. Explain XXXX XXXX XXXX current health status. He is currently receiving Social Security Benefits income as {$1300.00} per month. XXXX XXXX was recently placed in a home care facility under the care of his doctor due to his XXXX. The clinic is now withdrawing over {$500.00} a month for his stay and care at the facility, leaving the spouse with less income to put tours the household. Therefore, we have continue to make our mortgage payments of {$2800.00} but ca n't no longer continue to pay the second mortgage payment of {$860.00} which was recently increased to {$940.00}. The property has no equity, and we request Bank of America for a loan forgiveness on the second loan and we were denied. They are not willing to work with us even though there is no equity on the property and the second loan will never foreclose as the first loan will never allow this to happen. The only thing the second loan can eventually do at this time will be to place a lien on the property that they will never collect as again there is no equity. Even when XXXX XXXX pass which is what unfortunately, the spouse was told recently and if she decides to sell it will have to be a short sale so the lien will never be collected. It will be more cost effective to Bank of America to continue to collect the first mortgage as they are so far and forgive the second, even forgiving the second mortgage there is no equity. Bank of America is not willing to assist the borrower, the only thing they are willing to do is to review the loan for another possible modification, which they wont even qualify due to the expenses for the care of XXXX XXXX it would make more sense to offer a full forgiveness of the second loan.
My Transunion credit score has dropped from XXXX to XXXX in a weeks time due to me shopping around for a loan for a new house. 

I was told, which I believe is correctly, that shopping around for a loan in a specific time frame should not impact my credit score. IE multiple inquiries for Mortgage within a 45 day timeframe should count as a single inquiry. 

However, Transunion is showing multiple inquiries and impacted my score significantly. ( -45 points )
i have Paid in full this debt and the company will not XXXX it out. I've spoken to 3 reps that continue to state that I owe on this account. I made my final payment on XX/XX/XXXX for the amount of XXXX. Other payments were XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$25.00} a Total of {$190.00} Paid. When I call the rep hung-up on me, the supervisors do as well. This is affecting my credit score and causing a huge problem. I want this account removed!
Please see complaint file d  X/XX/2017 . It  was sent to another collection company witha very similar name. Correction was made by phone with CFPB but it was sent again to the wrong company.   The correct name for this collection agency is :  XXXX ,  XXXX   XXXX .  XXXX   XXXX ,  XXXX , Texas.    XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX , Texas.  XXXX
XXXX rep called me to set up payment for debt that was already paid in FULL, as such they were not authorized to act on the note. I made 3 payments before realizing it was already paid in full. Currently trying to get my money back and it has not been easy. These are professional scam artists!
XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XX/XX/XXXX responded with a document showing that they NEVER received payment from me since XX/XX/XXXX( please see attached document showing them saying I never paid ).

I have made payments to XXXX  in XX/XX/XXXX and XX/XX/XXXX( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed inXX/XX/XXXX when the account was closed in XX/XX/XXXX
I made a purchase from PayPal on X/XX/17 for {$100.00} with my credit card. The item received was not as described. Later in XXXX 2017, I disputed the charge through the credit card and received provisional credit. I then received a questionnaire from the card company dated X/XX/17. I filled out questionnaire and returned with documentation of emails and text messages between myself and seller to card company via certified mail number XXXX. On X/XX/17, I was rebilled the charge to my credit card. I contacted paypal to see if I could submit a dispute with them. I was ultimately told no ; however, through my inquiry process I was informed that my credit card company disputed the charge with paypal using the reason " item not delivered ''. My credit card company received proof of delivery from merchant and subsequently rebilled me. I did not dispute that the item was delivered, my dispute was that it was not as described. I informed the card company of this when I initially made the complaint, and in the questionnaire sent via certified mail. I disputed the charge again on X/XX/17 with the credit card, yet I did not receive a provisional credit. This dispute has not been resolved since X/2017 and has thus far been processed erroneously. Merchant represented in XX/XX/XXXX text message that he could work with files. I paid, only to receive unusable files. It was only on XX/XX/XXXX, after I paid, that merchant said he could not be sure by email. Yet he clearly represented he could work with files before payment.
FIA is reporting a balance that is fraudulent and has arbitrary instead of removing the fraud transactions closed my account, this has caused me great harm and as such to put mildly the final straw
I just got my first credit card ever in the mail from XXXX. I looked at the free credit scanning program included with my card, and saw that I had a Sears Credit card with a balance of {$1400.00}. I have never owned a credit card from Sears. This charge needs to be removed immediately. I suspect my identity has been stolen.
I keep receiving garnishment requests from a company called Glasser and Glasser in XXXX, Virginia for a total of {$2300.00}. The original judgement they obtained without my knowledge is over 10 years old and past the statue of limitations as indicated by statute 801-251 section c, and I also believe they are in violation of the FDCPA and FCRA. They call me when I have asked them not to, I started blocking numbers on my cell phone. When trying to resolve and explain the issue directly with them, they laughed at me over the phone and told me 'good luck with that, we are reporting it on your credit next ', and hung up the phone. I appeared in court in XX/XX/XXXX, and their attorney present told me to contact them or they will just keep taking me to court but they were going to dismiss the case because the garnishee said they will not pay. I tried to explain the situation then to the attorney but he did not want to listen that he is possibly representing a company that is breaking at least one and possibly three laws and we should just drop this completely. Now, I am request to appear in court again for the same thing in XX/XX/XXXX, under the same garnishee and everything else all over again. I tried to request they provide proof from the original furnisher of the debt they claim I owe and they again told me they do not have to, and will not prove anything to me and they will continue to just take me to court and inconvenience me until I pay them. Their words, not mine.
Im writing to dispute the XXXX record of a Toyota Motor Credit Corp report, reference # XXXX, of which the XXXX XXXX was in a accident around XX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the Toyota Motor Credit Corp about the accident with the claim number assigned by XXXX. Then I was told by Toyota Motor Credit Corp that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with Toyota Motor Credit Corp representative that there was nothing I need to do and all the matter would be settled between Toyota Credit and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called Toyota Motor Credit Corp again in XXXX to make sure the matter was settled, Toyota Motor Credit representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX  to address this issue, XXXX representative told me that Toyota Motor Credit Corp did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the Toyota Motor Credit Corp representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX  for my own business until XX/XX/XXXX.

When I returned to the US, I received a letter from Toyota Motor Credit Corp that asked me to pay {$500.00}, which I immediately payed Toyota Credit. According to the Lease agreenment Toyota need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of Toyota Motor Credit Corp and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, Toyota Motor Credit Corp now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and Toyota Motor Credit Corp should also have record of the phone calls. Therefore, once again, I sincerely hope that Toyota Motor Credit Corp would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.
Money was sent to trustworthy individual via PayPal from funds in my bank account for a collectible pocket knife ( aka legal acceptable item according to PayPal and USG ) funds were withdrawn by PayPal immediately however received this message : Transaction Details Error Message Regulations require us to take a closer look at some transactions. Your payment is temporarily pending while we review it. 



Payment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, XXXX Payment For XXXX XXXX XXXX Pending ... - {$500.00} USD Related Transaction Date Type Status Details Amount XXXX XXXX, XXXX Add Funds from a Bank Account CompletedYour transfer from your bank account to your PayPal account  is complete.Your transfer from your bank account to your PayPal account is complete. Details {$500.00} USD Business Name : XXXX XXXX XXXX XXXX The recipient of this payment is Verified ) Email : XXXXXXXXXXXX Payment sent to : XXXXXXXXXXXX Payment amount : ( in currency funded ) - {$500.00} USD Your fees : {$0.00} USD Your total charge : - {$500.00} USD Payment amount : - {$500.00} USD XXXX XXXX XXXX 's fees : {$0.00} USD XXXX XXXX XXXX receives : {$500.00} USD Note : The fees for this transaction are estimated, the actual amounts may be different after your recipient accepts the payment Date : XXXX XXXX, XXXX Time : XXXX PST Status : Pending Funds will be available to your recipient on or before : Our regulatory review may affect the date your money becomes available. 

Subject : You have sent {$500.00} USD to XXXX XXXX XXXX with PayPal Note : XXXX XXXX Funding Type : Instant Transfer Funding Source : {$500.00} USD XXXX XXXX XXXX XXXX XXXX XXXX ( Confirmed ) XXXX Back Up Funding Source : XXXX Credit Card XXXX The option to cancel this payment is no longer available. 

If you are n't satisfied with the service that PayPal 's provided you, you can contact these agencies : Consumer Financial Protection Bureau XXXX or XXXX ( TTY/TDD ) XXXX PayPal is withholding funds from my friend XXXX XXXX for no reason and has no means of being contacted. This is unacceptable. Thanks for your help.
I sold a smart phone through XXXX. I did this because XXXX offered me a {$40.00} account credit. After selling the phone, my account was never credited and I was charged a {$31.00} listing fee. I disputed this with XXXX multiple times but they would not credit my account and charged my XXXX account for the {$31.00} listing fee. I disputed this transaction with my credit union and provided them documentation which showed I should have received a {$40.00} account credit and that I did not owe XXXX the money. The credit union was in favor of me and I did not have to pay. I have now received two letters from two different collection agencies attempting to collect a {$31.00} charge. I have sent two dispute letters back to them. XXXX keeps hiring different collection agencies to try to collect the balance that I do not owe them and that my credit union agrees I do not owe them.
I HAVE REC EIVED 15 CA LLS SINCE MONDA Y (   XX/XX/17    ) FR OM CONN 'S  THEY ARE CALLING FROM  XXXX  THEY HAVE ALSO CALLED MY EMPLOYER AFTER I ADVISED TO NOT CAL L MY POE B ECAUS E I CAN GET IN TROUBLE, THEY CLAIM THAT MY POE NUMBER WAS REMOVED HOWEVER I JUST RECEIVED A NOTE FROM A CO-WORKER ADVISING THAT CONN 'S CALLED FOR ME, I CALLED CONN 'S AND THEY C ALLED ME  XXXX  A DVISED THAT I AM NOT  XXXX  AND ADVISED THEM THAT ONCE AGAIN I AM ASKING THEM TO  NOT CALL MY EMPLOYER AND TO CALL MY CELL PHONE INSTEAD ALSO ADVISED THE REP THAT THEY HAVE  MADE 15  CALLS TO ME SINCE MOND AY (   XX/XX/17    ) WHICH IS UNACCEPTABLE, AND CONSIDERED HARRASSMENT, THEY HAVE PUSHED ME TO THE POINT THAT I DO NOT EVEN WANT THEM TO CONTACT ME
On XX/XX/XXXX, 2017, I sent a certified letter to Experian demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file for the disputed account they claimed were verified. I am positive that Experian is not in compliance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) because there is no way the accounts came back verified for ME because they do n't belong to me. Instead of honoring my request Experian sent me a letter stating that they will not reinvestigate due to previous dispute or unless I provided new information. I do not believe my letter was read because I was requesting proof the accounts were verified. I have also requested many times by letter and over the phone to have a name that does not belong to me removed Experian fail to do this my last name is XXXX not XXXX no other credit bureau is publishing this incorrect last name. I need the name removed.
My credit limit was increased without my knowledge or request. I never opted-in or was informed of this policy. This creates a situation where additional charges could be made on my account by someone who has stolen my financial data. It can affect my credit score. 
In addition, the information available to the customer online does not accurately reflect recurring payments pending. The payment is n't posted for XXXX hours and because the customer does not see it listed as pending, the customer may wonder whether or not it is being processed. This would not be of great concern except that the interest could increase by as much as 20 % if XXXX payment is past due. The customer is allowed to schedule payments on a date other than the due date, but if they do so, it may prevent a recurring payment from being processed for the upcoming due date. A customer has no way of knowing this until after the payment is not processed. Because of this, an extra payment on an account may cause unexpected results. The recurring payment agreement can only be seen on the paper bill or by downloading a copy of the paper bill. 
This all seems like an effective way to confuse a consumer enough to miss a payment allowing the increase of interest applied to the original balance of the purchase. 
If online accounting and bill payments are allowed, all activity should be listed clearly under XXXX report or statement. Instead, there are XXXX different " summaries '', " reports '', " history '', or " statements '' none of which reflect all current, scheduled, pending, or past activity. I have never seen such a mess of accounting from any bank or credit card.
I stated several times that the creditor name XXXX XXXX which is a timeshare that its not mine and the creditor keep saying its reporting correct. Also they put under note that was updated as of XX/XX/2018 when it has not been active for 6 years.
Had a loan through XXXX for almost 10 years with no issue. Sold my house on land contract. The gentleman was renting out the house and the loan was currant. XXXX sold to XXXX and they turned to Ditech. Ditech sent someone to the property and told the renters they needed to vacate because the house was being foreclosed on and they will be trespassing. By the time we cleared everything up the renters moved out using Ditech 's henchmen as their legitimate excuse. At that point the man that had the property on land contract started getting gitery on his investment in fear that something shady was going on with Ditech so he and I requested a loan modification which he has been through with several companies many times. At that point Ditech ran a continuous we will call you back run around with us. Almost never was there a record of previous conversations. No one that we were supposed to talk to was ever available and we were sent to voicemail after voicemail where the mailbox was full. Not one email or phone call was returned leveing it impossible to communicate with them. They at one point told us they would not take partical payments and then turned around and told us they were not sure why we were told that ( of coarse things got deeper and worse as they stalled out ). We have been waiting for loan modification papers for the final time for over a month now making handfuls of calls every day being sent to voicemails that are full and not able to leave a message. The are claiming the property will go into foreclosure in XXXX. If they would only do as they promised this entire situation will clear itself up and everyone can move on and they will get their money. If not everyone looses and it will be the sole fault of Ditech. Never have I witnessed such incompetent handling of a loan. 

The last payment was made in XXXX of 2015 for the amount of {$580.00}. I did n't make a payment in XXXX because I wanted written proof that the house was n't in foreclosure as that 's when they evicted the tenants. I then tried to make a {$1100.00} payment in XXXX and they would n't accept it and then tried to make a payment in XXXX and they would n't accept it either. During the course of the last year that have verbally told me twice that we were approved for a modification and then approved for a a repayment plan which I was trying to do for {$800.00} a month and then they never called back again. No exaggeration, I have called Ditech over 100 times throughout the course of the last 15-16 months and have received less than 10 return phone calls.
Jefferson Capital Systems , Inc.a collection agency has reported to XXXX and XXXX credit bureau 's of an alleged debt to a cell phone carrier named XXXX . I contacted XXXX and requested that they send me a detailed report of the alleged services they provided me with the dollar amount they were claiming. I was advised that those records were no longer available due to the age of the of the account. I have requested in writing from Jefferson Capital Systems to provide documented proof of this alleged debt with no response from them.
This company continues to update to opening date on the account, ive tried to dispute results come back same everytime, they are in vilolation 605c. This debt is 6 plus years old and they continue to update it every six months. Someone must have used my id to purchase a tv from a loan company, ive neve used such company i have foughy this debt numerous times. Finally deciding to let it roll of my credit history after 7 years, except they keep refreshing it and continueisly is hurting my credit score. I refuse to pay such a debt that i know i havent accured. Ive been working on fixing my score my bad decisions as a young man, im completely caught up besides this reoccurring issue with this company
THIS IS NOT A DUPLICATE REQUEST : I did not receive notification from Diversified Consultants of this debt. The notifications attached to claim XXXX were old bills from XXXX, the final bill from XXXX, and the document I requested from Diversified Consultants on XX/XX/2018. 

THIS IS NOT A DUPLICATE REQUEST : PROVIDE NOTIFICATION FROM DIVERSIFIED CONSULTANTS OF THIS DEBT PRIOR TO REPORTING DEROGATORY ACCOUNT INFORMATION TO THE CREDIT BUREAUS ON XX/XX/2018 AS REQUIRED BY THE FAIR CREDIT REPORTING ACT. This debt hit my credit reports on XX/XX/2018 ; so notification should be dated between XX/XX/2018 - XX/XX/2018! 

Diversified Consultants has NOT provided notification documentation prior to reporting derogatory information to the credit bureaus on XX/XX/2018.
I 've recently opened up a credit card wit h Costco aka citi bank  once receiving my card I once they spelled my name wrong as  XXXX   XXXX  instead of  XXXX   XXXX   XXXX  I got my first statement I Immediately paid the amount off in full I called today to get a paid in full  letter & close out my account this company then started to give me a hard time saying that they could n't verify my phone number the same number that I opened up my account with all I was trying to do is close out my out it was so easy opening up my account but so very difficult trying to close out my account they have ca lled my mortgage company & my other creditors & still refused to close my account I 'm   XXXX   XXXX   XXXX   & this was a bad situation for me my member number is  XXXX