WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a card holder of American Express since XXXX. I owned my own business until XXXX. American Express had a product for small business it was an open line of credit. Mine was {$65000.00}. I would borrow and pay back, borrow, pay back etc. When the great recession hit my line was suspended ( through no fault of my own, I personally had a FICO score of XXXX and paid faithfully ). This left my business in a lurch, but I 've managed to pay off almost the full {$42000.00} balance over the years. My problem now is I am down to a current balance of {$2200.00} because of late fees and a 25 % percent " penalty interest ''. I requested American Express settle the account with a payment from me for {$1300.00}. They said they do not settle with people. Also AMEX said I would have to pay {$440.00} before they could even begin to reconsider lowering the interest charge. Is n't ' this extortion? AMEX became a bank so they could borrow Federal Tax Payer dollars at Zero % interest and bail themselves out. WHERE IS MY BAIL OUT?
Keeps calling and sending letter on a credit card that I never had>>> claming to take my home and sending me to prison for no paying there bills!!
I contacted all three companies bureaus transunion, XXXX, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with XXXX credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with transunion, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with XXXX XXXX XXXX as well. They are also reporting accounts which have been resolved with XXXX XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.
As this department is fully aware I am a victim of identity theft. Several debt  collectors  have ceased their reporting of these fraudulent accounts.  Kross, Lieberman and Stone is  a debt collector that has broken the law. They did not have correct information of mine and when I submitted my ID and my police report to show this they changed the information in the fraudulent account to match my good information and then went to report to the credit bureaus with correct information on me because they stole it from my good information that I gave them to prove that what they had in that account was wrongful. This is egregiously wrong and it is against the law to put good information in place of bad information when there 's a claim of identity theft.  XXXX   XXXX  is the particular agent for that collection agency and he was rude and disrespectful and he 's the one that perpetrated the fraud on their side. I have contacted the Attorney General and the FTC and now I am contacting the Consumer Financial Protection Bureau to have these people breaking the law stopped and cease and desist from their unlawful actions.   The fact that the previous collection agent stopped and then this new company got the account should show the they are breaking the law and still trying to collect on an unlawful and illegal debt.
I have informed MIDLAND CREDIT MANAGEMENT INC that the account that they are trying to collect on is an act of fraud I have filed a police report and submitted it to the original creditor also filed out a FTC AFFIDAVIT I have advised midland I know 15 times it is against the FCRA LAW TO COLLECT ON A FRAUD ACCOUNT. I HAVE ALSO ASKED THEM TO NOT CONTACT ME DUE TO THE FACT THAT THEY ARE HARASSING IF IT DO NOT STOP I WILL PRESS CHARGES
I have disputed this with both Experian & XXXX XXXX. I have inaccurate multiple late fees showing on my credit report in XXXX. This account is showing inaccurate, this account says closed but does not state when it was closed, it does not give the full accurate account number. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. This closed account was completely deleted off of my Experian credit report only to reappear again this month with more inaccurate late fees. This account wasn't even opened in XXXX of 2017. For the last time, this card is paid off & closed I am demanding to have this account deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the account from my credit file.
On XXXX XXXX, XXXX, I received a late notice from my XXXX indicating my account was past due and a late fee had been accessed. I contacted my servicer and informed them the dues needed to be paid, they indicated, they would research the problem. I have had a history of this servicer misapplying my escrow payments, paying them late, and in this instance not paying them at all. Be advised there are sufficient fund in my escrow account to cover said dues ( I also made extra payments to my XXXX account to cover the ongoing payment issues ). I was informed to the mortgage servicer payments to my XXXX account are paid in arrears. So my XXXX mortgage payment should have covered my XXXX XXXX dues ( The late notice is for XXXX, but that is because, I made an extra payment in XXXX to cover the XXXX dues ). I have had so many issues with Caliber Home Loans, I fear they just wont do the right thing. Please help.
In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with Ally Financial ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with Ally Financial and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found Ally fiinanical reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to Ally Financial disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with Ally Financial. I do n't know what else I can do, Please Help
I have sent a letter to this firm on a debt to XXXX, XXXX XXXX XXXX XXXX XXXX. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of XXXX.
I noticed on my credit report that I had a collection added from the company XXXX XXXX XXXX XXXX. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I saw on my credit report that it comes from a company called Synerprise Consulting Se and they haven't reached out to me or sent me any type of notification regarding this claim.
The American Express office in Arizona called my neighbors in Texas, XXXX mother in Missouri, my daughter in Texas, my daughter in Illinois and my wife 's employer about payment. These phone numbers were illegal obtained and no permission was given to AMEX to contact these people and state there were attempting to contact my wife or myself. Contacted me after I asked not to and Contacted my wife 's employer.
Continued calls to my phone two or three times a day for 7 months. The number calling, XXXX XXXX XXXX does not leave message and when I have answered, no one speaks but simply hangs up. We are seniors living in retirement and have no debt as our home mortgage paid off many years ago. The company calling is CBE Group as when I called number back a recording gave this business name. We are also on DO NOT CALL REGISTRY. Obviously the company is either trying to sell something or have wrong number. We consider these calls to be harassing to us and muse stop at once. We will hire an attorney if necessary to cease this type of repeated harassment.
There are addresses on my credit report that I have never lived at. The only address that should be on my credit report is XXXX XXXX XXXX. The other address are not mine and wonder how did they get there. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX,XXXX  XXXX XXXX  XXXX , GA XXXX.
Told me it will fix my credit but denied me still and waisted my time I need to be having my credit fixed with real reasons of why I should have stuff in my credit
After researching refinancing options, I realized that I have been paying mortgage insurance for two years  when I do not believe I should've been. My boyfriend and I bought our home in XXXX of 2015 and we have made 25 total payments out of our escrow account to mortgage insurance for a total of {$4000.00}. 
When we purchased our home, we initially applied for a loan with the intent to put a very small down payment on it but were able to use money from a family trust to put down roughly 35 % of the cost and estimated value of the home. That being said, I realized while researching today that we should not have to be charged mortgage insurance once 20 % of the mortgage is paid off. Since we began our mortgage with more than 20 % of the cost paid in a down payment,. I don't believe we ever should've paid mortgage insurance and if that is the case, I would like to be refunded the {$4000.00} we paid. I also reached out to my mortgage company to see what they can do about it. Thank you for your help.
XXXX XXXX WAS NOT REMOVED FROM EXPERIAN ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT
Yesterday I received in the mail a what looked like large loan application packet from a company called  Loan Depot. I have  never applied for a loan with this company and found this concerning. I called the number on the forms and left a message. Today I received an email from  Loan Depot  thanking me for taking the time to talk to them about a loan. I have nor and am not applying for a loan, refinance, etc. with this company and find all of this highly concerning, possibly fraudulent, and I am concerned about identity theft.
Loan Servicer ( Green Tree, Ditech ) ruining my credit, deformation of character, false statements, lack of ability to provide documents, lack of proof of payments made, and poor and rude customer service. 
Original Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The " NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent, represent nothing, and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is, the ability to provide proof if paid in full of turning ownership over, no grounds for collecting this debt, failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt, writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company, mortgagee note holder, and the bank that is certifying the asset backed notes.
I have made numerous attempts to explain the situation, filed out paperwork, sent legal documents. They never reply, call, or send a response.. 
The issues are that i did not initiate this loan. They have not sent one piece of paperwork to me in years. I, on the otherhand have. 
They are not reliable or trustworthy
I received repeated voicemails on my cell phone from a number that just showed up as XXXX and said that i had outstanding debt and needed to call XXXX XXXX at XXXX ext XXXX referencing account # XXXX and Pin # XXXX. 

I called the hospital ( XXXX XXXX in XXXX, VA ) and they said i had no outstanding payments, so i finally called XXXX and told her that. She was able to tell me the name of the doctor i saw in XXXX and said to call them to verify the supposed {$350.00} bill that was outstanding. She also had my home address and did not offer up a website to provide payment when i asked, but instead wanted me to pay online. I called the doctor 's office and they had nothing on file either so i called XXXX one more time and she then gave me the number of the hospital 's supposed billing system ( XXXX ). When i called this number, it was a menu of options with a foreign accent but otherwise official recording that mentioned free online bill pay. When i finally spoke with an agent, I did not give any information, but asked to be transferred to make an appointment ( to test the authenticity of the person ) and they were unable to transfer me. Then I said i did not believe they were who they claimed to be and they quickly hung up. 

Please take action to stop this group from frauding others! It was clearly a sophisticated scheme and they need to be stopped!
Deposited 4 checks into checking account via ATM for XXXX each on XXXX XXXX funds were said to be made available on XXXX XXXX. However SunTrust sent a letter stating they were going to hold funds an additional 7 days at that time once it clears they will release the funds. On XXXX XXXX XXXX when I logged into online banking it was restricted I contacted customer service who advised me to visit a branch which I did the bank advised me they were needing to hold funds until they were validated from issuing party which could take an additional few days, those few days came and I tried again to logon to online banking which was still restricted. I reached out to customer service again who then stated they decided to close my account due to federal rules and regulations and that I would receive a check for the deposited funds in the checking/saving account. Once I received funds from SunTrust they were for XXXX and XXXX?? which were the cash deposits left on the account and not the XXXX funds made available from deposited checks that were credited to account on XXXX XXXX, XXXX and that they will not release hold for deposit until XXXX XXXX, XXXX that deposit will sit it bank vault until that time unless I have issuing party reclaim checks and reissue in which issuing party is stating that I need to obtain funds from SunTrust as they have already release payment
Debt Collector  has reported me delinquent w ith two 3rd part y Credit agencies with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. I have received no validation notice proving this debt belongs to me nor have i been given a chance to dispute this debt before  Debt  Collector reported this debt negatively to the credit bureaus.
on XXXX XXXX my XXXX year old son XXXX XXXX went into an XXXX store in XXXX XXXX NY to inquire about purchasing a car. In doing so his credit was run. Although he is XXXX years younger, has a different social security number and uses his middle initial " J '' ( I do not have a middle initial ). the hard inquiries are being reflected on all XXXX of my bureaus, which in turn lowered mi FICO scores.
XXXX erroneously reported that I was XXXX days past due on my mortgage when I paid on XX/XX/XXXX over the phone and payment was credited the same day. They are crooks and should be fined and I am demanding that they immediately correct my credit report. 

DITECH FINANCIAL LLC has flagged your account as XXXX Days Past Due. 
XX/XX/XXXX Alert Date XXXX Source EXPERIAN XXXX DITECH FINANCIAL LLC Payment Status XXXX Days Past Due Status Date XX/XX/2016 Balance {$180000.00} Balance Date XXXX Address XXXX XXXX, MN XXXX
UNFAIR DENIAL OF CREDIT I applied for a business credit card at Capital One with my persoanl guaranted about six weeks ago. 
My company is financially healthy, my credit score is substantially above 800. 
My personal income last year was $ XXXX and my businesses make substnatially more than that. 
Thre weeks later I called to investigate, they claimed I was fradulent when I called to ask why the card was delayed. 
They asked me a long list of very personal questions which I answerwed to their satisfaction. 
A week later I received a credit card. When I tried to activate it, they said it was on fraud hold and I had to provide more informaiton including my photo id using a driver 's license as well as a number of answers to questions. 
I provided those to their satisfaction. They said wait three days. 
Five days later I called and they asked for more information including my social security card. I told them I had lots of information but as a XXXX year od, I did not have the original social security card, it was lost about 30 years ago. 
They said without the original social security card they would not proceed. 
I asked for secondary data that could be used. They said this was the only way to proceed. 
This is absolutely unfair. 
I am a tremendously good credit risk and have had a capital one card for more than 5 years as a private client. I have zero defaults in my lifetime and huge documentation available. 
They falsely accusedme of being a fraud. It is a personal insult in the face of my substantial business success. 
Perhaps because I always pay my bills early, they will never get high interest rates from me? Who knows why they refuse a good, upstanding citizen. 
You don't have to be poor to be cheated by a credit card company.
1. ) On or about XX/XX/2016 my wife and I contacted Quicken Loans to obtain a mortgage on our home, initially for {$52000.00}. The loan would involve obtaining a subordination agreement from XXXX with which we have a XXXX XXXX Account. At that time the outstanding balance was {$48000.00}. The points Quicken Loans was charging us was XXXX % of loan amount. This amount was acceptable to us. 
2. ) On XX/XX/2016 we received a loan estimate from Quicken Loans for the same amount of {$52000.00}. The points Quicken Loans was charging us was now XXXX %. This was still acceptable to us. 
3. ) On or about XX/XX/2016 we asked Quicken Loans to increase our loan amount to {$97000.00}. In the loan estimate sent to us the points remained at XXXX % of loan amount or {$1000.00}. This was still acceptable to us. 
4. ) On XX/XX/2016 we again received a loan estimate the loan amount remained the same at {$97000.00} and the points remained the same also at XXXX % of loan amount. At this time we also received a closing disclosure with the same amount and points. 
5. XXXX On XX/XX/2016 we received a closing disclosure for the same loan amount of {$97000.00} but the points were increased to XXXX % of the loan amount or {$2400.00}. This would increase the cost to us by {$1300.00} and was not acceptable to us. 

During the time of our initial application up to XX/XX/2016 Quicken Loans requested we submit numerous documents which we did in a timely expeditious manner. Quicken Loans banker XXXX insisted that Quicken Loans would not authorize subordinating our home equity loan but that it would need to be closed. This was in direct contrast to the Certification & Authorization agreement we received from Quicken Loans on XX/XX/2016 listed under the title, Authorization to Release Information. XXXX # XXXX states : If applicable, I/We request that my/our second mortgage loan be subordinated to the new refinanced first mortgage with XXXX. I/We authorize the release of any information, either verbally or written, in order to process the subordination request. 

We talked to other officials of Quicken Loans who agreed with us and the documents for the subordination were obtained signed and submitted. 

All of this took an inordinate amount of time on Quicken Loans part. The loan was approved. The subordination agreement was approved. Yet for some unknown reason Quicken Loans was not closing the loan. 

When we inquired about the reason for the very large increase in points, Quicken Loans stated it was because of the amount of time it was taking to close the loan. 

Upon our insistence the loan was closed XX/XX/2016, over XXXX months from our initial application. At this point for us to stop the process and shop around for another loan was out of the question. 

It appeared that Quicken Loans had us over a barrel and could arbitrarily change the amount of points we were being charged. This does not sound like honest business practice and would like to have the difference in points charged {$1300.00} returned to us.