WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Ditech in XX/XX/XXXX after receiving my monthly mortgage statement. I called their XXXX number and sat on hold for a half hour.
I spoke to a rep named XXXX and requested information so I could start paying my mortgage every other week. She said she would immediately email me a form and that I needed to fax it back them. We hung up. I checked my email. Nothing. I tried calling back a few times, but always got placed on hold. I do n't have time to sit on hold for something this stupid and easy. I emailed their customer service department a week later with subject line " COMPLAINT. '' It has been almost two weeks and I have gotten ZERO response.
IN XXXX XXXX I PURCHASED A SECTIONAL ,65 INCH TV WITH SOUND BAR AND TV STAND BECAUSE OF FINANCIAL ISSUES I DECIDED TO RETURN EVERYTHING BACK .IN XXXX THE FURNITURE GOT PICKED AND I WAS CURRENT WHEN ITEMS GOT RETURNED AS OF THEN I GET AROUND 5 CALLS A DAY FROM DIFFERENT NUMBERS HARRASING ME TO PAY AND THAT IM BEHIND ON PAYMENTS WHEN I HAD ALREADY RETURNED THE PRODUCTS.I WAS TOLD THAT THE FURNITURE WOULD BE SOLD IN AUCTION AND WHATEVER THE BALANCE LEFT OVER WOULD BE MY RESPONSIBILITY TO PAY OFF BUT THEY STILL KEEP CALLING DAILY REQUESTING I PAY THE PAST AMOUNT DUE. I AM AWARE THAT I AM RESPONSIBLE BUT UNTIL I RECIEVE A LETTER SAYING THE BALANCE LEFT OVER I WOULD APPRECIATE ALL THESE CALLS TO STOP
This is regarding Experian Credit reporting. I signed up for their monthly membership plan over two years ago and have had access to my credit report so I can monitor it. I have been trying to cancel my membership for over a year now with no use. There is no way to cancel online. They give you a phone number, once you call the phone wait time is consistently over 2 hrs!!
XXXX XXXX XXXX is attempting to collect a debt not owed to there company. I did not sign anything to release my medical records
My account got locked because the company changed the policy and started locking accounts automatically for any transaction over a {$1000.00}. I have not been able to use the account for months. I requested the account to be closed and the funds to be returned to me. After submitting all the requested documents, the company representative gave me 30 day deadline before the check would be issued. It has been over 2 months since and the account remains open and the crooks continue charging me monthly fees.
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the 5 business day time frame of reporting the debt on XX/XX/2017. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX
On XXXX XXXX XXXX I submitted an Investigation Request to TransUnion and attached XXXX documents. The first document was an Oklahoma Tax Lien Release and the second document was an email from the State of Oklahoma Tax Commission stating I need to requests them to update my record. Before I submitted my request to have the entry removed the date of removal was in XXXX, now they have moved it to XXXX. They need to remove the entire record from my Credit Report as the State of Oklahoma has agreed.
I have an American Express XXXX card for my daughter I have had the card now for three years this was the first year that I set up automatic withdrawals I have not been checking the account until this month and there has been a debit coming from the account for XXXX dollars every month for XXXX music which was not authorized I called number on card to report fraud I was informed I would receive a email for fraud three days ago I had not received it yet so I called to check on it and there was no record that I even called I asked to speak a supervisor I called from my cell and have literly on hold for one hour and forty five minutes now and have yet to speak with anyone there was no phone number XXXX under transaction to contact them that is a total XXXX dollar as of this month deducted that I did not authorize I do n't know what kind of company this is and what games they are playing I need a refund for unauthorized charges and this account closed. ASAP
Hi I was living in an  XXXX    XXXX   XXXX   in California from  XXXX   XXXX  to  XXXX   XXXX  and at the end date of my lease i got a complete billing from the apartment that i owe them for the maintenance and all other charges that are need to pay. Once i received my final billing complete amount has be paid. I am still getting calls from  I.Q Data international INC collection agency that i need to pay them  another  XXXX   . I h ave requested many times the collection agency that all the amount has been paid and i even sent them the documents. They are not listing to me and asking me to pay the debt that i do n't owe them since final amount has already been paid. And they put this in collections which is effecting my credit history.No action has been taken by the company.
THE FOLLOWING ACCOUNTS ARE NOT MINE, MY IDENTITY WAS STOLEN AND CREDIT WAS EXTENDED WITHOUT ME KNOWING FRAUDULENT ACCOUNTS : XX/XX/XXXX -LIT -ACCT # XXXX - {$2400.00} XXXX -XXXX XXXX -ACCT XXXX XXXX - {$26000.00} XX/XX/XXXX -XXXX  XXXX XXXX -ACCT # XXXX - {$320.00} XX/XX/XXXX -XXXX   XXXX -ACCT # XXXX - {$930.00} XX/XX/XXXX -XXXX  -ACCT # XXXX - {$440.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$150.00} XX/XX/XXXX -XXXX XXXX  - {$5000.00} XX/XX/XXXX -XXXX   XXXX  XXXX - {$340.00} XX/XX/XXXX -XXXX XXXX XXXX - {$3200.00} XX/XX/XXXX XXXX XXXX - {$920.00} XX/XX/XXXX -XXXX  XXXX - {$870.00} XX/XX/XXXX -XXXX - {$7200.00} XX/XX/XXXX XXXX XXXX XXXX - {$13000.00}
I have been trying since XX/XX/2016 to close an account following a death. American Express FSB continually provides different information on their process, fails to return phone calls inquiring about status, and blames the US postal service for records not received beyond what is reasonable.
this person work next to the car dealer. he ask me to cosign for a lease i agree to cosign. he bring the contract to my house and i sign as a cosigner. this contract was signed on my house, and wasnt sign in front of a notary public. i agree to be a cosigner. now 2 year later this person have 3 month  past due. when i called the financial institution i ask how can i get out of the lease because im just a cosigner. they told me i cant because im the OWER in the account and the other person is the co signer. i sign a paper that say im a cosigner, and they put me in the computer as owner. and also this contract is invalid because it wasnt signed at the dealer, nor infront of the financial manager of the dealer, nor in front of a lawyer or notary public.
This is my problem : I have not seen the movement on my credit score that I should see, here 's some facts : 1. On XXXX XXXX 2017 my credit score was XXXX I had one account that was 85 % added to limit another account with 94 % of its limit. I had 17 accounts never been late ; no bad credit whatsoever. 2. XXXX XXXX 2017 my credit score was XXXX I have 17 accounts no lates nothing negative I was at XXXX out of approximately {$8800.00} in my credit utilization. 3. Now XXXX XXXX 2017 my credit score is only XXXX and actually went down XXXX points, I have paid down the three accounts that I have and i opened a new account with a {$4000.00} credit limit i have 18 accounts. I now owe {$2400.00} out of a possible {$12000.00}. There is no way my credit score should be this slow and I am complaining and seeking your help they are intentionally keeping my score low.
I had a car loan that appeared on my credit to be open with a balance of {$13000.00} still owed. i filled a complaint with all three credit bureaus to dispute this as the car loan with XXXX XXXX XXXX has been paid and settle since XXXX of 2012. I had a settlement with the car loan company to have XXXX ( a car dealership ) buy the dodge calibur for {$10000.00}. XXXX XXXX XXXX agreed to accept the {$10000.00} for the loan. I have a settlement agreement offer.It would show the loan was paid/settled. I was in good standing and was n't reported as late to the credit bureaus. When i noticed the car loan was still showing it was a current open loan for a reamining {$13000.00} i disputed it with the credit bureaus. I have heard back from everyone and XXXX and XXXX have it update to be true and correct. Transunion has now changed the account to be derogatory, with {$3500.00} in late payments and not paid. I contacted transunion to talk about their findings. I advised them i sent them proof of the settlement and that nothing is owed and that the account was never derogatory. The account should say paid/settled as the other credit companies have reported. They did verify that they received my proof and have it on file however the car loan company gave them different information and they have to go by what the car loan company has given them. I do n't understand how they can report solely on what someone says while the consumer has proof of the settlement. This discrepancy has cause my credit with them to plummet XXXX points since their false update. I have attached what experian concluded from their investigation which was true and correct and attached what TRANSUNION HAS FALSELY REPORTED.
Sir or Madam, I am writing to obtain a Loan Release Letter from SYNCHRONY Financial, headquartered in XXXX. Loan has long been paid off, I do not have loan no. but my Social is XXXX, Vehicle in question is a XXXX XXXX motor scooter : VIN. No. XXXX vehicle was purchased from a XXXX dealer in XXXX XXXX. I am registering a complaint against Synchrony Financial, after several attempts to get them to at least acknowledge that they are at least working on my request. I am in urgent need for this lean release letter, ( I understand these things can take some time ) but at least acknowledge my request and confirm that you ( Synchrony ) are working win it. Respectfully, XXXX XXXX XXXX
I had been paying my due payment plus an extra XXXX to XXXX dollars to reduce and cover late fees on my account. I then come to find out that none of the payments were being applied as the system said they would be. The system for XXXX XXXX indicates that if a payment is made past the due date a fee is assessed.. in order to pay the due fee Id make my payment with additional funds to cover the fee. I come to find out that not only were the late fees not being applied correctly but that there is interest accruing on the fees! I called and got this information from a representative. The rep indicated that it could take time to get this resolved and that someone from BMW would call me. Noones called me. The fees are still there. The thing that BMW did do  however, was apply the extra funds I paid to the next payment due. This was not reflected on the monthly billing statement however, as the monthly payment continued to reflect the full amount. I believe that BMW even marked me as 30 day late one or two time because of this confusion, as I paid the true amount due, as opposed to what was on the statement.
purchased XXXX XXXX XXXX financed thru XXXX XXXXXXXX XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX
XX/XX/XXXX, a representative from Franklin Credit came to my house around XXXX. She asked my name and stated that she had a letter for me. I informed her that on the letter my name was spelled incorrectly. She asked for the correct spelling and wrote it on a piece of paper. She stated that the letter was regarding a property that I had defaulted on. I told her that the only property I 've ever owned is the one that I currently reside in. I told her that I did not want to accept the letter since my first name was spelled incorrectly. I told her that I was unaware of the debt because I had been the victim of identity theft years ago. She told me to contact the company to have the matter rectified. 

The letter only contained a note instructing me to call a XXXX number. I called the number repeatedly and it would ring one or two times, then there was an automated prompt, after which the line would disconnect. No one ever answered. A week later I received a certified letter from them detailing the alleged debt I owed from an outstanding promissory note from XX/XX/XXXX. 

I contacted the company and they attempted to try to set me up on a payment plan. I informed them that I was the victim of identity theft and that the IRS and credit bureaus were aware of the fraud. They said they would make note of it on the account. I heard nothing about it for months. 

On XXXX XXXX, a man identifying himself as a sheriff arrived at my house after XXXX. I was served a summons initiated from the company Franklin Credit claimed to be servicing the debt for ( XXXX XXXX XXXX XXXX XXXX ) and give me 20 days to reply with a written response. 

After reviewing the summons and the claims made, there were inconsistencies that I repeatedly pointed out during this process. The incorrect spelling of my first name on the promissory note, in addition to the inconsistencies with my signature are all points that I made in my response. 

At the alleged time of the note, I was a full-time student at a university and also working part-time at that university while living on dorm. I was dependent on my wages and student loans at that time. I informed the representatives that I did n't even qualify for a personal loan at that time, so I know I did n't qualify for a mortgage. 

Unfortunately, my repeated attempts to get the matter rectified has remained unresolved. In fact, the office of the attorney for the plaintiff contacted me to say that they would be proceeding with the lawsuit against me. Despite them requesting my identification, they acknowledged that my first name was spelled incorrectly on all documents, including the notarized promissory note and continued to state that the signature " somewhat '' matched mine. 

I feel as if they are trying to take advantage of me. They are applying many different tactics and trying to force me to pay a debt that is n't mine.
XXXX, TransUnion and XXXX placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted XXXX, XXXX and TransUnion to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX XXXX, XXXX and TransUnion Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased XXXX Memeber # XXXX and TransUnion 's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.
I contacted Transunion about deleting negative inquiries reporting on my credit report that I did not authorize. Their customer service would not help me.
I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from XXXX XXXX Bank ... I never had an account with XXXX XXXX Bank ...
On Saturday XXXX XXXX We my wife and myself attempted to have coins redeemed at Valley National Bank in XXXX XXXX NJ that my wife 's father had accumulated over the course of the year. 
We had meticulously counted the money and the total was approximately XXXX. The bank personnel assisted us by pouring the money into the counting machine. During the transaction the attendant stopped the machine and loaded an empty back to accept coins. 
After this the machine totaled XXXX cents. I have contacted the bank to no avail. 
Someone is either scamming the machine or it is miscalculating the amounts. 
I am a retired XXXX and am not unfamiliar with unethical behavior. I can be contacted at XXXX my Name is XXXX XXXX.
Wells Fargo has placed a bankruptcy on my credit report and Wells Fargo has reported I have been late on my mortgage more than 30 days which is incorrect.
i have contacted equifax on the inquires on my account that are fraud and not mine. they have done nothing to help and continue to allow fraud inquires on my credit history. here are XXXX of the letters that were sent to me from these companys. I have more
I started working with XXXX XXXX XXXX to finally get out of debt on my credit cards on XXXX/XXXX/XXXX, the company was going to work with my credit cards to pay them and get out of debt, XXXX deducted from my account {$480.00} each month. I was unable to make more payments on XXXX/XXXX/XXXX and cancel my account. I received a check on the mail from the company with my refund but Global Client Solutions charged me fees of $ {$5100.00} almost 80 % of what I deposited for 16 months to pay the debt, Now I have the full debt and no money to pay. 

Global client Solutions its taking advantage of the situation and taking the limited resources I have to pay the credit cards, the offer me help, but now I see they just took advantage of me, and who knows how many people out there.
On XX/XX/2017 I received a call ( first contact ) from IC Systems on behalf of XXXX. They provided incorrect information about my cancellation date and associated charges. On XXXX I submitted a formal written dispute, including proof that their information was false and requested that the debt be verified. The letter was sent via registered mail and received on XX/XX/2017. I did not receive any response. Instead they reported and unverified delinquency to the credit Bureau and violated my fair credit reporting rights.
XXXX XXXX has been screening my background, employments, credit cards, DVR, XXXX   and bank accounts to steal people 's money from their account and robbing houses since XX/XX/2016!!!!!
I am struggling to get Bank of America to remove my private mortgage insurance. I have also had difficulty getting them to provide an explanation for why it is not being removed. I have called and talked to them about 5 times and was getting a run around. My mortgage has been below the XXXX % threshold for about 5 or 6 months now. My account is up to date, I have never been late on a payment. In fact I am slightly ahead and my paynents. I 've explained to them what I have read on the Consumer Financial Protection Bureau website and in the homeowner protection act of 1998 and explained how I interpreted it and have asked them to explain to me why I did not qualify to have it removed or to explain what it is about the law that I am misinterpreting and they have not been able to provide a satisfactory response to that but continue to charge me private mortgage insurance. XX/XX/XXXX I was finally told that it would be removed in XX/XX/XXXX. I have paid my for XX/XX/XXXX and when I go online I see you but I 'm still being charged for it in XX/XX/XXXX. I feel that I am being taken advantage of however I can see that I might be misinterpreting the rules so I was hoping to be able to have someone explain to me if what is happening is allowed or if I 'm being taken advantage of. I recently purchased a new home and my new lender told me that based on my situation they should have already removed the private mortgage insurance.
I have a finance agreement with XXXX XXXX XXXX for a XXXX XXXX XXXX. I pay {$340.00} on the XXXX of every month toward my loan but this payment is not a recurring automatic payment. This month after I refused to pay because the company XXXX XXXX XXXX refuses to fix my car so that it will pass inspection they illegally took out money out f my account that I did not authorize. I would like to make a formal complaint against them.
I bought an XXXX computer and used the credit option. While purchasing, I asked whether I would have to pay {$200.00} or so a month in order to pay off the computer by the time they referred to as the intro period. ( Sometime in XX/XX/XXXX ). They said no. They said I could pay off the balance with the minimum at {$27.00}. They said there would be no interest for the intro period and after that period was ended interest would then accrue like any other credit card. 

Instead, when the intro period ended, XXXX took all the interest accrued during the intro period and suddenly tacked it onto my credit card. 

Now I'm $ XXXX over the credit limit and my payment has gone from {$27.00} to {$88.00} and it's climbing as interest and over limit fees build. 

I called XXXX at XXXX XXXX PST on XX/XX/XXXX and spoke to an agent ( named XXXX ). 

I explained the above and he told me that they could waive the interest - since they had not explained the terms to me correctly. 

However, he could only waive the interest if I paid - in full - the amount left on the XXXX balance, which is {$1700.00}. 

They falsely misrepresented the terms of the card to me. They admitted to that during my phone call with them ( which was recorded by them ). It's unfair business practice to force me to pay {$1700.00} in cash in order to correct their misrepresentation. 

The interested accrued needs to be immediately waived so that I can pay the balance like normal with interest accruing at the card 's normal rate.