WillisBack/dataset-financial-user-claim huggingface dataset:
After my mortgage was sold to Bank of America from XXXX, my husbans lost his job in XXXX. We filed bankruptcy XXXX of XXXX and included this loan. It was discharged XXXX/XXXX/XXXX. In XXXX of XXXX, Bank of America sold my mortgage to XXXX as a loan modification. Knowing that our bankruptcy was finalized and discharged in XXXX. Now, 4 years later, we are unable to purchase a house because XXXX had our names on this property until XXXX XXXX, XXXX. How can a financial institute sell your mortgage after a discharge?
I have XXXX accounts that are showing up with this company that were a result of my id 's being stolen and are fraudulent they are reporting on my credit file and the companies records
On XX/XX/XXXX, I received a letter from COMMONWEALTH FINANCIAL SYSTEMS, INC. regarding account XXXX. I reached out to them for debt verification, thus I was sent this letter, but on the letter it shows the original creditor name ( XXXX XXXX XXXX ) and a service date of XX/XX/XXXX. However, on my credit report, the date open says XX/XX/XXXX. Naturally, i call them to figure out the issue. A case manager continuously insists that the date on the actual report is the date THEY { CFCI } received the account from ANOTHER collection agency, but even if they had, that would not cause the " date opened '' on my report to change. The more we spoke, the more she insisted everything was correct. After more pressing, she tell me the drop off day for the debt is XXXX, so if that is in fact the case, how is the date open XX/XX/XXXX? 

I would like this account REMOVED FROM MY CREDIT REPORT immediately.
I have not received any private student loans since XX/XX/2005. According to statute of limitations on private student loans which is 10 years company is now unable to collect under the statue of limitations Currently I am being harassed daily through phone calls, emails, written mails, etc by Navient for repayment of private student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for federal student loans for the past few years and I am current. I am XXXX and this harassment is a huge inconvenience and very unhealthy. I will be seeking a lawyer for this misallocated payments and all harassments
I have 5 capitol one credit cards. They closed all 5 accounts because they do not like the way I 'm using them. I have had one for 9 years and it accumulates points to purchase a new XXXX XXXX  product. I have accumulated thousands of dollars to be taken off a GM product. They closed all accounts without giving me time to cash in the dollar amount for a GM product or I can cash in for a monetary dollar amount. I have never been late on any of these accounts and they will not tell me what I did wrong. I owe over {$6000.00} on the main GM capitol one credit card. They also closed my wife 's capitol one credit card account. No good reason has been given to me except I have accumulated Thousands of dollars off a new GM product.
Please be advised that I am pending a XXXX Veteran XXXX claim and am currently at XXXX. I have had many circumstances beyond my control and am having extreme difficulty with the interest and monthly payment for this loan which currently has an APR over 218 %. Please consider lowering my interest and monthly payment so that I can pay more towards principal to pay this loan. NCP Finance Ohio is the Lender and I signed the contract with XXXX.
This XXXX XXXX Account does not belong to me. XXXX XXXX informed me that this account was charged off my XXXX XXXX XXXX XX/XX/2008. XXXX XXXX has not provided any documents in regards to this Account.Please ask Transunion to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
Credit Solutions Corp. a collection agency, purchased my debt from XXXX XXXX XXXX, a sum of {$7300.00}. The date of last payment on this debt is XXXX XXXX, which means this debt ages off my credit report in XXXX XXXX. However, Credit Solutions Corp. have erroneously recorded the date of last payment as XXXX, XXXX. This is impossible as I was living overseas at the time and made no payment after XXXX XXXX. There was no activity on this XXXX XXXX XXXX account after that date. Please see attached files showing the correct dates as reported by XXXX XXXX XXXX, and the incorrect dates as reported by Credit Solutions Corp . I have attempted debt validation with all XXXX credit reporting agencies, in addition to requesting the error fixed directly with Credit Solutions Corp. with no success. I believe Credit Solution Corp is in violation Federal Fair Credit Reporting Act on this manner.
I'm sorry I did not document the dates I contacted Chase Bankruptcy 's Department XXXX. It was a few times since the year XX/XX/2011. I asked them why they would not report my payments ( which were all timely ) to the credit bureau 's and I was told because I went bankrupt. I don't understand for I asked my lawyer not to include them in the bankruptcy. 

In my last conversation with them I asked them ; " If after the 10 year period, which is soon, will you report my payments then? 

They said no. In other words, forget about it.
I contacted all XXXX credit report agencies -Experian , XXXX , and XXXX regarding a medical bill ( credit agency : XXXX for originally {$290.00} ) that is not mine and that I have no recollection of it. After the investigation by the credit reporting agencies, XXXX and XXXX both removed claim/charge from my report, except Experian. Experian stated by telephone and through mail that the claim is valid. When I asked how it was valid, they could not explain. I have asked XXXX different representatives, by telephone, how the claim is vaild and no one could provide me a " valid '' answer, except that " it 's valid ''. I made this dispute 3 times through Experian. Also, the original claim/charge from the credit agency was {$290.00}, but it is now {$310.00} because the credit agency claims that there is daily or monthly interests that will continue to be added until it is paid. When I explained to Experian that how could they allow the credit agency to continue to add interest to the account, when in the state of MD, interest from credit agencies on medical claims is illegal. One Experian represented stated that they have no control over that. I then stated that now the claim is invalid and now illegal because they are also charging interest on an original claim that was first displaying {$290.00}. I would like for Experian to show proof that I owe this claim since they claim it is " valid '', what proof did they receive the credit agency to claim such validity, and why are they allowing a company to keep reporting interest on a claim to them. I would like it removed my credit report, as I have no recollection of this charge being mine.
Adjust penalties. FNB bought XXXX XXXX in PA and with it my account. 
Balance of XXXX cents. 
Service fee of {$5.00} because my account required XXXX of quote : To avoid a service charge in this account you would need to meet XXXX of XXXX requirements. They are a minimum balance of {$500.00}, a recurring direct deposit, or XXXX debit card transactions per month. When the account is overdrawn for 3 consecutive days there is a {$12.00} continuous overdraft fee. unquote. 

My account at XXXX did n't have these restrictions. The fee put my balance in the red at {$4.00}. There was no notification that a transaction initiated by them would cause overdraw. Two days later I noticed the situation from logging in online and had absorbeda {$12.00} penalty and immediately arranged a {$20.00} deposit but it was too late to avoid the next {$12.00} penalty. Apparently a penalty of {$12.00} is charged every 3 days. I have attached a download .csv of the transactions. 

Sir/Madam, this is like the 3 second rule and like chasing a moving target. Should n't they be obliged to notify me if a transaction that they a generating will create a negative balance and hence give me time to cover the {$5.00}. Once again the big banks are beating the little guy to a pulp. It 's just plain greed!
I have a charge-off on my report that had been showing a late-payment from XX/XX/2016 ( making the 'Time Since Negative ' 2 years and some odd amount of months ). I paid the charge-off in full XX/XX/XXXX of this year. When I checked my credit report for Experian, it now shows a 'Time Since Negative ' of 1 month. I am not sure how that is possible given that prior to paying it in full ( mind you, I had made a previous payment on the account the month before and that didn't change it ), it listed a much longer 'Time Since Negative ' and that was correct. That shouldn't have been changed to 1 month for paying the past-due in full ( it is even reporting as 'Failed to Pay ' for the month of XX/XX/XXXX, even though I paid in full on the XX/XX/XXXX ). So, either Experian is reporting it incorrectly or XXXX XXXX XXXX is.
Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
My ATM card was lost or stolen. As a result of that, someone was able to deposit a number of fraudulent checks to the account bearing the name of XXXX with a claim number, my name, old address ( I no longer live at that address ) and a amount ranging from {$300.00} to approximately {$400.00}. There are a lot of them all done on XXXX XXXX. Then money was withdrawn the following day which resulted in an overdraft of {$6000.00}. The {$25.00} I had opened the savings account with was gone as well. The name of the bank is Santander Bank. I called them when I logged into my account yesterday to check my balance and got the shock of my life. I immediately called them after checking for my debit card because the checks were deposited via ATM. They told me my account had been compromised and they had put a block on the card. I was also told to file a police report ( which I did ) and I am waiting for an investigator to get back to me on that. I do n't understand why I was not notified about this before it got out of hand. Now, I have no use of my checking account and no debit card and a ridiculous amount of an overdraft. Why would a bank allow this? I have a XXXX prepaid bank card and they call me if I spend {$3.00} at XXXX for a cup of coffee to be sure I am the one that did it and they also send an email. Santander did none of that. I had to find out by logging in to my account. The account is very new and thank XXXX I never had my paycheck directly deposited to that account as I was about to do.
XXXX XXXX on XX/XX/2015 or there about. I canceled service shortly after receiving services due to slow internet. I paid this charge after cancelling and still remains on my credit score. After paying I received no contact from XXXX XXXX.
Alliance One has been repeated calling my home for the past few months looking to collect a debt for a person called XXXX XXXX XXXX. At first tried, I just selecting the option on the recorded message they leave that says I do n't know this person. That did not work. I then called them and informed them that I do not know that person and do not know how they can contact that person. I was informed they would remove me from that record. Yet just yesterday ( XXXX/XXXX/2016 @ XXXX ), I received yet another call from them. I called yet again this morning ( and recorded it ). I told them once again that I do n't know the person. They told me I would be removed from their calling lists. Though at this point I have very little faith they will actually remove me. 

This is causing my a lot of anxiety. I never know when they 're going to call as they have called from different phone numbers and they call at all times of the day, often waking me up on weekends. I do n't think this is acceptable business practices.
XXXX ( NMLS # XXXX and Nationstar Mortgage are dishonest and use false advertising to get customer. XXXX told me that I qualified for a 3.8 % refinancing. When I decided to us him, the final interest rate was not 3.8 %. He will the low interest rate to attack customers. When I ask him what changed, he will give you the attitude and say " this is how it works ''.
I actually have so many complaints over the past 5 years of this loan with overpayment, not sending me statements, overcharging me interest, not doing what they say even when promised on calls, etc. So so many. But to add frosting to the cake here is what is happening as I try to pay off car that was totaled. 

I thought I had gap insurance but they said I did not. So after insurance company valued, was about {$2500.00} short ( after paying for 5 years a car that originally was {$13000.00}. After 5 years still owed {$7200.00} at time of being totally. Usery in my opinion. 

But now when I am trying to get paid off still can not get resolved even though they have had my {$2500.00} for two weeks and the insurance check {$4700.00} for one week. Telling me it will be another 4 business days even though I have called daily. It is beyond frustrating and they just don't care and can not do anything about they say. And said they are unable to send me to a manager. 

I have a car financed with them. Over the 5 year period I reached out many many times with errors to my account and to have monthly bills emailed to me. At least 30 times. Every time they confirmed my email and contact info and promised to remedy. Over 5 years they never corrected and I did not ever get an emailed statement. 

Then on top of this all, my car was totaled one month ago. After many requests, It took 2 weeks for them to get the correct form to my insurance company after multiple calls and emails from XXXX and myself. Finally they got my insurance company, XXXX, the right form. XXXX then overnighted a check to Santander who signed form and received last Tues morning at XXXX XXXX. It is now XXXX XXXX on the following Monday. 

So, one week later on Monday evening, my account was still not credited for the payment. Daily I call and each time get different XXXX they say " wrong '' information from last person I spoke to there. I am now told that it will be another 4 business days for them to credit my account. We all know they deposited the funds the same day into their own accounts and are earning interest on those monies. 

What financial company takes 8 business days ( 10 overall ) to credit my account with a check from a large insurance company? This is like stealing my money and holding it hostage. Each day I am spending {$100.00} on XXXX to go to and from work because I can not buy another car until this account shows paid. And all Santander says is they can't do anything about and sorry the last person gave me wrong information. I am beyond shocked at how a financial company can get away with treating consumers like this!
I have XXXX and XXXX loans with Navient and I have been told repeatedly that my payments can not be lowered from $ XXXXmonthly, forcing me into a forbearance where the interest has now practically doubled the amount I originally borrowed.
We used to live in and moved from XXXX XXXX XXXX to XXXX XXXX around the time 2011. We paid the bill with in 30 days of us receiving the bill at our new address. Because of our move we did not receive the bill and were not able to pay it on time. I have NEVER been late on paying my bills. Even though this bill was paid as soon as we received it in mail, it is still showing up on my credit report and lowering my credit score. This is making difficult for us to secure a mortgage. I had requested the company to expunge this account from my history but they have not responded.
I sent a request for a verification of debt last week and am receiving multiple calls on my cell phone and at work through National Credit Services by a woman named XXXX. She has called my work multiple times and continues to contact me after I sent a written request for verification of debt. When I told her that over the phone she said the debt was from " x '' on " x date ''. I said that was not sufficient and I need actual verification of the amount and validity. She continues to call my place of employment.
On XX/XX/XXXX, I received an invoice from Macy 's American express for the amount of {$19.00}. I did not recognize the charge so, I contacted Macy 's & told the credit department of Macy 's that this amount is a fraud. I asked them to close the account ask for the credit the {$19.00} back to my account. They told me the fraud department will pursue the mater and once they finalized they would clear the mater. on XX/XX/XXXX I received another invoice showing not only the {$19.00} plus {$2.00} interest & {$37.00} late fee. I then called them again, this time they told my the fraud claim has to be in their from & in writing. about a week later they sent me a form which I immediately filled & sent to them for process. XX/XX/XXXX, I have received another invoice, this time {$19.00} plus a {$100.00} late fee & interest, a total of {$110.00}. again I called them & explained the whole story, this time they told me this mater is in process & would take about 30 days. I asked why while in process I 'm being charged with late payment & also told that this would effect my credit rating which up this date over XXXX score & spotless. They did not give me an adequate answer. well yesterday I had a phone call from a collection agency expecting a payment of {$150.00} as of now. I called them few minutes ago & told them that I 'm filing a report with your agency which was recommended by my banker whom advised me that my credit rating has dropped by almost XXXX point to XXXX +. 
I am very upset that Macy 's credit department could unjustly damage peoples credit without a solid evidence. At this time I 'm pleading with you to investigate my case and see that I have done nothing wrong & just believed in a principle. {$19.00} would not effect my life and {$150.00} would n't either. it is only admitting to wrong doing which I have not. Please let me know what can I do or how can you help me. 

Thanks
Rent Recovery Solutions is falsely placing an eviction on my credit report. This creditor is stating that its accurate in which its not. I never stayed in this location, never signed a lease. I did apply for the apartment but decided not to sign the contract. I have an illegal evcition from this company and I never went to court or signed a contract. I want this removed immediately off my report as its harming me and my family. I can not get an apartment due to this. I never had any type of evictions on my report. I called this debt collector multiple times and they keep passing me around. The person handling my case is n't even returning my calls. This item should have never been on any of my credit reports. I 've been passed around NUMEROUS of times this is wrong.
Having escrow problems with Ocwen Mortgage Co.. I have a Hamp loan that started in XX/XX/XXXX, that loan was prepared by a XXXX XXXX XXXX That loan was sold to Ocwen in XX/XX/XXXX 
Have had trouble with the escrow of my wind/hail since the first year!! When I talked with company they said it was n't built into the loan that was tranferred to them?? Then I was told that the amount was escrowed in a different dept, that was in XX/XX/XXXX Last year, XX/XX/XXXX, I had to pay the wind & hail on my credit cards to ins co.. Wind & Hail is required in the area we live in it is a coastal community!! It is paid to the XXXX XXXX XXXX You ca n't paid that in payments it has to be full balance, that is why it has been escrowed in my loans!! They are escrowing now, at my request, but never imagined that they would escrow me out of a loan, my monthly payment went up XXXX + dollars, two months ago.. This makes the loan out of reach for me, this is why I have the Hamp loan to begin with!! As of now my Hamp loan is at the five year mark and readjusts XX/XX/XXXX.. It goes up 1 % .. Ocwen has sent a letter giving the amounts for XX/XX/XXXX, it goes up another XXXX+ dollars, making the loan which is now out of reach even worse!! I am XXXX & XXXX living on a XXXX.. I am requesting attention to this loan & escrow payment myself to Ocwen.. Really do n't wont to have to start over with another Hamp loan !! But at this rate it seems I might not have a choice!!
On XX/XX/XXXX, I entered the XXXX XXXX  in XXXX at XXXX, located in XXXX MD. Upon entering the store, I picked out a few pieces of jewelry and proceeded to the counter, I offered the clerk my credit card ; which I've had since XXXX and have no late payments ; after processing my transaction, she proceeded to tell me she had to call in the charge, the amount was below {$300.00} and my credit limit is {$4000.00}, I thought it was strange, but waited. After a few moments the store clerk gave me the phone, the person on the other end told me that because of the state of my credit, they would not be able to process my transaction, and that they'd be closing my account, that day. I did not give XXXX XXXX  permission to check/run my credit, they did not have my consent, or my knowledge that it was even happening. 

I have no late payments to this account, I pay every month, on time, and can't understand how or why this happened. To date, I have not received a letter explaining this decision, as companies often do when you're denied credit.
I had a Chase XXXX XXXX credit card. I had around XXXX XXXX frequent flier miles when I signed up for the card. XX/XX/XXXX I lost the card and asked for a replacement. They never sent me the replacement. XX/XX/XXXX I was charged an annual fee for a card they had not replaced so I canceled the card. This week I went in to book a flight and they said I have XXXX miles. Late last year I had almost XXXX miles and had been paying my card until XX/XX/XXXX. How can they all of a sudden just decide to cancel all of my miles?
I have disputed this account many times with XXXX the credit agencies and with Carter Young. The credit agencies stated that Carter Young verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Carter Young and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.
Reporting/collecting unverified/unvalidated debt to credit bureaus. They are not licensed to collect in my state ( Arkansas ) to do so,. See Ark. XXXX XXXX. XXXX. The statue of limitations is up in my state. AR Code XXXX XXXX. XXXX XXXX This is a violation of AR collection law and fair debt reporting practices. I have been disputing a collection account on my report from Southwest Credit Systems, L.P. ( original creditor XXXX XXXX XXXX XXXX ) since XXXX 2016. On XXXX 2016 the account was removed from my XXXX credit report because it could not be verified or validated ; and at this time XXXX was the only bureau reporting the collection account. Since, the company has changed the address and even date and re-reported the debt without my knowledge or the 5-day notice required by law to notify that it would be re-inserted. This situation is really hurting my credit reports on all XXXX bureaus and affecting my ability to purchase a reliable vehicle and take care of my family. I check with a lawyer and we have found multiple violations. The collection should not be on my report and is affecting my ability to purchase a reliable vehicle and take care of my family. Please remove this from all XXXX bureaus as it is being unfairly and wrongly reported.
On Monday XX/XX/XXXX XXXX did a hard inquiry on my credit report without my permission. I did not apply for any credit and have no accounts with XXXX in collection. I had a credit card with XXXX which I closed on XX/XX/2010 and paid in full. There was no reason for XXXX to authorize a hard inquiry without my consent.