WillisBack/dataset-financial-user-claim huggingface dataset:
My husband totalled our XXXX XXXX XXXX on XX/XX/XXXX. We notified Exeter immediately and advised them the insurance company would move the vehicle. Conversation recorded. We spoke with and updated Exeter on status several times. Again On XX/XX/XXXX, I spoke with Exeter for 13 minutes explaining XXXX would move the vehicle and we would begin negotiations for payoff. Exeter moved the vehicle without permission and effectively repossessed a vehicle that was not in default. They say they mailed a notification on the XX/XX/XXXX and had tried to reach me prior. ( Again I spoke with them 13 minutes on the XX/XX/XXXX ).  They did not. I only saw the notification by looking at my account at a later date. We are still attempting to negotiate payoff. Exeter has made it clear they refuse to release title or work with me on the insurance claim. When I spoke with an agent recently, she became upset that I was recording the conversation and refused to talk further. Each time I call they seem very concerned about recording because of the illegal nature of thier dealings concerning this matter. They have reported a repo on my credit report drastically effecting my score and have made no attempt to help resolve the issue.
Our XXXX 2016 payment was made, but not applied to our account. This resulted in a late fee for XX/XX/XXXX, late fee for XX/XX/XXXX, and a derogatory mark on our credit. I contacted Loancare by phone, and they told me to provide proof of payment via email. I did this one week ago, on XXXX XXXX, and they never responded.
I have a medical bill that was sent to my auto accident attorney by mistake ( hospital assumed 2 visits were auto accident related although only one was ) so I never was given the opportunity or notice to pay a bill. Ran my credit today and realized the amount was {$1500.00} was sent to collections and hospital said they sent the bill to my attorney and could not discuss it with me. Attorney said it is not accident related and thats why they did not forward me the bill.
I have a credit card that is reporting to Equifax, but Equifax is not recording it in my file? when I called to XXXX XXXX and ask why they were not reporting I was told that they would look into it, after two weeks I received a letter from XXXX XXXX telling me that they 're investigation saw that they were reporting to XXXX, XXXX, and XXXX, as well as Equifax and that I needed to contact Equifax about why it 's not showing up in their report, when I called Equifax about why it was not showing up on their report ( My other XXXX XXXX card shows up on their report ) I was told to fax over the letter as well as a copy of my statment then given a fax number and that they would take care of it. When I called to check the status 5 days later I was told that the information did n't show up and to give it another week? I then ask to speak with a supporvisor who told me that it was their poloicy to not receive any information & for me to call XXXX XXXX to resolve the issue??? I asked if that was the case than why did they ask me to fax over the information? & why did the last rep tell me to wait another week to allow the information to get there? PLEASE HELP IN ANY WAY THAT YOU CAN XXXX XXXX XXXX
I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have  2  accounts an d 3  credit inquiries listed on my   XXXX     XXXX   and Trans  Union  credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent :   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX    XXXX   XXXX ,  XXXX / XXXX /  XXXX  . Further, please add the following personal information to my credit report : Employer :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , ND  XXXX , Phone :  XXXX , Position :   XXXX   XXXX   XXXX   XXXX  , Annual Salary : {$150000.00}
On or about XX/XX/XXXX, I notified all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX - XXXX XXXX XXXX XXXX  and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or about XX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.
My home flooded. I received a check from my insurance company endorsed it sent to Roundpoint Mortgage. I have been sending them information from myself and my contractor for 2 months and still have not received a check to pay my contractor for the work they have already performed. They tell me what info they need. I send the requested documents time passed while they work on it then they need more or different documents. Told that all documents are in order check will go out the next day. Wait a week for the check and then call and no still not approved need some more documents. The will not give me my insurance money. Every time I call it is someone with a different story and I can not talk to anyone who can make a decision.
I made mulitple payment arrangements with Kia Motor Fiancee on my XXXX XXXX XXXX XXXX. They told me that I would not be reported late to the credit bureaus because I had made payment arrangements. Ultimately Kia Motors Finance reported XXXX late payments to all XXXX of my credit bureaus, despite our payment arrangement.
- I am being pursued by U S Bank for fraudulent credit card charges - I reported the credit card charges to both the police and U S Bank as fraudulent - U S Bank will not stop calling or threatening me even though I have asked them to stop - On XXXX/XXXX/16 I filed a complaint with the CFPB - On XXXX/XXXX/16 I received a call from XXXX XXXX in the U S Bank Fraud Department XXXX XXXX XXXX ). XXXX told me that all CFPB complaints are sent directly to the president of U S Bank and that the bank president had contacted XXXX regarding the complaint. 
- On XXXX/XXXX/16 at XXXX I received another harassing phone call from the U S Bank collection department XXXX I explained the fraud issue to the collector XXXX XXXX XXXX ; directed him to XXXX in the fraud department ; asked him to stop calling me ; reminded him of my rights under the consumer protection laws. All that XXXX would say is that I needed to fill out a form if I wanted the bank to stop calling me. 
- This is the XXXX such phone call I have received from the bank since XXXX/XXXX/16. I have explained the fraud issue each time. Several times I was placed on hold while my call was transferred to the fraud department for further handling but, each time, after an extended hold period, I was disconnected. 
- I have provided the bank with a standard fraud affidavit ; a copy of the police report ; and all details that I have with respect to the fraud ( in writing ). The fraud was perpetrated by my ex-husband and I even provided U S Bank with his name address and phone number. 
- The bank failed to perform adequate due diligence to confirm the identity of the applicant. Consequently, the bank opened an account based on false information and is now faced with the consequences of their failure to know their customer. 
- The bank 's failure to adequately vet an application for credit or follow industry " know your customer '' due diligence does not entitle them to pursue me, the victim, for debt I did not request, create or even have knowledge of until a few weeks ago.
We purchased a home with high interest rate due to that I had a id theft in the past and it hindered my rates etc. We got the home in 2007 and we wanted a fixed rate, but rather gave us a var. rate loan. The whole time they never had our balance correct and the monthly fees were different each time. We could not set our budget due to the performance and actions of the lender. They kept telling us oh if we send this much then the amount would go down. Well there were times we sent XXXX or XXXX or less etc. and they never did what they said. They traded our loan from one company to XXXX whom did the same thing, they cheated us and then went to XXXX XXXX XXXX they pulled the same stunt. Now we are with SPS and they have only applied our money toward interest and no principal so therefore our balance has been the same since then. This is cheated us of hard money. Now this company has had a lawyer threat to forclose and added XXXX to it etc. We should no loose our home due to dishonest and fraud companies. I want help for use, I have dealt with stress related issues and vomiting due to this. I am tired of us being taking advantage of us. All we want is to keep our home and get credit for our payments not just put the money aside as if we did not pay. help us and want a fixed rate they should credit us or refund our money if they play crooked. I would like a settlement not threats from a lawyer etc. that to me is wrong very wrong. We do n't have XXXX to pull out of a hat just to satisify a crooked firm. their no. XXXX acct. # XXXX thanks
Wells Fargo signed me up for their " Go Farther '' rewards program without my request. They began sending me monthly emails showing my zero balance. And there is no way to opt out of the emails other than canceling the program. 
It took 24 minutes on the phone to cancel the program.
I am complaining against DiTech XXXX XXXX XXXX, they increase my mortgage payments from {$790.00} a month to {$820.00} a month. Then they would n't approved me for HARP modification, after I have turn in all the proper paper work. I just got my monthly statement for XX/XX/XXXX showing I owe {$9100.00}. That is a XXXX lie, I am six months behind because I am going through a modification, my incorrect monthly payments of {$820.00} x 6= XXXX. They are cooking the books, then add injured to insult, they turn my loan over to another company. They are call XXXX XXXX XXXX XXXX. DiTech is a bunch of crooks, everything they do is illegal, I am trying to keep my home.
Wells Fargo closed my checking account without my consent and without notice. I had a XXXX balance for about XXXX months. I went to make a deposit XXXX months and a few days after XXXX balancing the account, and the atm did not work. My account had been closed. I had direct deposits set to this account. I had student loans paid from this account. I emailed and called WF but they refused to reopen the account. They lied to me and claimed to have mailed a letter to my home warning about the imminent account closure. I did not receive any such letter. However, they happily offered to open a new account for me loaded with fees. I will never do business with those XXXX again.
XXXX XXXX is charging me and sending me to collections for {$28.00}. This was for coverage I paid for but did not receive. After getting into an accident, they refused to pay for the coverage I had.
i was a victim of identity theft, so i put a freeze on my account. due to the identity theft, under california law i can freely do temporary lifts. at equifax and experian i can easily go to their freeze website and use the pin they sent me to temporarily lift the freeze, but at transunion i was forced to setup an account and even then using my pin i 'm charged {$10.00} to temporarily lift the freeze. i 've called to manually lift the freeze, but that is a long process since it is almost impossible to get to someone to speak to and impossible to do on the weekend. i 've asked them various times to fix it and the response i get from customer support ranges from, we ca n't to next time it will work ... it has become so burdensome that i 'm willing to pay the {$10.00} to do the lift.
We were offered a loan modification/assumption by nationstar mortgage now mr cooper. They told me in 2015 that they needed a QCD from the mortgagor to me the occupant of the property with mom as a cosigner. 
I got XXXX and had my XXXX XXXX, could not XXXX, XXXX XXXX XXXX XXXX XXXX and needed total care ( XXXX facility level of care ) for 10months awaiting XXXX, had several interventions and now I am walking after a long time in XXXX. I am working with XXXX XXXXo secure employment as a XXXX person and meanwhile my mother, who wanted to cosign to the loan, has been paying through XXXX XXXX escrow. the payment specified in the land contract that wrap the mortgage as investigated by the title company where I bought insurance. 
I asked for a new package in XXXX. It appears that the company sent the package not to my address, XXXX XXXX XXXX XXXX, XXXX, NM. XXXX which is where I live but to a XXXX XXXX in Florida to the mortgagor 's name for them to modify. 
The mortgagors had made the point to all that they do not want to modify, do not want the house, nor the loan. The bank states they did want to modify and that they did not send me another package to me because the mortgagors wanted to modify. I am attaching the company response as well correspondence of the mortgagor to me, I believe there is a miscommunication between all parties absent from acting in bad faith.
I called the credit card companies and told them I was unable to make the payments due to financial hardship I was having. The representatives with whom I spoke with several times, told me I had to pay regardless. Therefore, I had to make a drastic decision and I stop paying. Then, the cards were charged off. I started receiving calls everyday to collect the payments on charge off cards. Then my accounts was sold to XXXX XXXX and XXXX XXXX has been calling me everyday, and on my job. When they called my job, the representative would ask for me, they would have have to be transferred several times, not only that but once they are transferred to me, they would still ask for me, and when I would tell them I am not allowed to receive calls on my job and I hang up. This company still call me on my job. Now, I have received papers stating this company will be seeking legal actions if payments is not received by this month. I did not sign a contract with XXXX XXXX and I do not owe this agency. I have been receiving calls from so many other advertising companies due to my personal information being sold, even through the mail. I have gotten to the point I do not answer my phone because I don't know who is who or who to trust due to this.
I had a trial payment with specialized loan servicing and I had a lengthy hospital stay and missed my XX/XX/XXXX PAYMENT, I CALLED AND WAS TOLD I COULD NOT PAY FOR THE MISSED PAYMENT, THAT THAT DAY WAS THE LAST DAY, SO I CALLED LATER AND ASKED AND THEY SAID MAKE PAYMENT, SO I WAS AT GROCERY STORE FOR XXXX XXXX AND CALLED FOR THE INFO AND IT WAS CANCELLED, I CAN MAKE MY PAYMENTS, BUT I AM TOLD THAT MY HOUSE WILL BE SOLD ON XX/XX/XXXX, TODAY IS THE XX/XX/XXXX, IT WAS NEVER POSTED IN THE NEWS PAPER OR I WAS NEVER NOTIFIED, THIS IS WRONG, AND I WANT SOMEONE TO HELP ME, I AM GOING TO THE MEDIA, I WAS IN THE HOSPITAL DUE TO XXXX XXXX, I AM XXXX AND JUST WISH TO STAY IN MY HOME, ... ... .I JUST CALLED THE LAWYER XXXX  XXXX XXXX AND THEY TOLD ME THAT BY LAW THE PROPERTY HAS TO LIST IN THE PAPER FOR 4 WEEKS AND I HAVE TO BE NOTIFIED 30 DAYS PRIOR TO MY HOUSE BEING SOLD, SLS SUPERVISOR TOLD ME THAT MY HOUSE WAS BEING SOLD XX/XX/XXXX AND I HAD TO ACCEPT THIS, WHY WHY WHY WOULD SHE DO THIS TO ME, I AM XXXX AND XXXX AND SHE JUST CAUSED ME TO HAVE A SET BACK IN MY HEALTH, MY XXXX XXXX WENT UP AND MY XXXX XXXX   TO A VERY LOW POINT ALL BECAUSE SHE WAS BEING NASTY AND LIED TO ME, WHY WHY WHY DID SHE LIE TO A XXXX PERSON WHY?
I received a letter from US Office of Personnel Management stating I was a target of malicious cyber intrusion, therefore qualify for credit and identity monitoring services. 
I went to there website XXXX provided by ID Expert. I pulled up the XXXX credit bureaus report and noticed Equifax was once again reporting inaccurate information in regards to my credit to debit ratio. As of XXXX/XXXX/15 Equifax is reporting my revolving credit usage at 74 % which is inaccurate my revolving credit usage is currently at 50 %. Equifax is refusing to provide an explanation in regards to how they are coming up with 74 %. Both XXXX and XXXX XXXX are showing the correct figure 50 %. Equifax is showing my revolving credit limit at {$15000.00}, the correct revolving credit limit is {$22000.00}. 
Due to my race XXXX XXXX Equifax is purposely lowering my credit score by not reporting the correct credit to debit ratios. I have filed numerous complaints with your organization against Equifax in regards to this practice and to date CFPB is refusing to take action on behalf of the consumer and provide protection against Equifax discriminatory practices of intentionally lowering the credit scores of XXXX XXXX. 
Therefore, I will also have to file a complaint with the White House in regards to CFPB refusal to provide assistance to stop this practice.
I did miss a payment in XX/XX/XXXX. Due to my finances I was unable to bring my account current until XX/XX/XXXX All other payments were made. I have payed receipts for all payments. All payments were made at Bank of America bank or pay by phone, a Bank of America XXXX number printed on thier monthly bill to pay. Last month I received a packet from the Bank of America stating forecloure is being started and XXXX the month of forecloure. I then called XXXX XXXX XXXX. XXXX XXXX XXXX was the XXXX assigned to help me. 
A letter was sent to the bank and the foreclosure was dropped. Now as per my records back payments were brought up to date. XXXX XXXX sent a letter requesting a report from the bank listing all payments made. No report has been made or sent to me or any contact from the bank by letter or phone. 
When the account was brought to date by my records the bank showed a balance of {$1600.00} still due. A report of Bank 's payments received would help to resolve this matter, which i previously requested. 
Please help me to resolve this matter. The Bank seems not to be interested in resoving the matter. 


Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX ( cell )
I am pregnant with my XXXX child. Obviously medical bills pile up. This is compounded by the fact that if you get behind by 1 day they send you to collection. Then you have to deal with the stress of a collection agency while still maintaining your payments on other bills. 

This debt was sent to collection in error. I spoke with XXXX XXXX who apologized and stated it would be removed. However, on XXXX/XXXX/2015 i get a XXXX demand letter to pay this debt. In bold letters stating DUE BY XXXX/XXXX/2015. i repeatedly get calls but they never leave a message. XXXX 

Additionally, they try to trick you into going to their website XXXX XXXX how professional is that website? ) in order to get the link to get your free copy of your credit report. Talk about being an Unfair, Deceptive, Abusive Practice. Fortunately i am an informed consumer who knows the website is XXXX. I feel sorry for those who are elderly and are tricked into whatever scam they have waiting for them on that site.
XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. Experian removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX  saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as XXXX XXXX on XXXX XXXX  report and XXXX XXXX on experians report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX.
I AM EXTREMELY FRUSTRATED WITH THE FACT THAT XXXX XXXX XXXX IS ALLOWED TO CONTINUE TO VIOLATE MY FCRA section 623.They are reporting my credit history inaccurately on purpose is a clear violation of RIGHTS.US Court of Appeals Ninth Circuit , No 00- 15946, XXXX vs. XXXX XXXXBy allowing them to keep using {$1.00} increments to keep re aging this unverified accounts its totally wrong and has been going on for months. I HAVE SENT DOCUMENTS DIRECTLY TO THEM I HAVE FILED XXXX COMPLAINT, MULITPLE CFPB COMPLAINTS, AG COMPLAINT. THEY HAVE RE-AGED THESE UNVERIFIED ACCOUNTS MULITPLE TIMES OVER A 6 MONTH-12 MONTH PERIOD. AND I HAVE PROVEN THIS OVER AND OVER WITH ALL 3 BUREAUS. XXXX  HAS DELETED 2 OF THE ACCOUNT. AND LEFT 1 WHICHI IS THE SAME ACCOUNT NUMBER. XXXX AND XXXX KEEPS ALLOWING THE VIOLATIONS TO OCCUR EVEN AFTER I HAVE PROVIDED PROOF OF THESE VIOLATION. I HAVE PROOF THAT BOTH XXXX   AND XXXX BOTH SAY THEY HAVE VERIFIED THAT THE INFORMATION IS ACCURATE. ITS A VIOLATION AND THIS ILLEGAL. They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency. Consumer Protection afforded by the FCRA {$1000.00} FCRA Section 605 ( c ). Clearly you are not paying attention to the actual paperwork. LOOK AT THE DATES OPENED? LOOK AT THE ACCOUNT NUMBERS? LOOK AT THE UPDATED INFORMATION? REFINANCED? HOW IS IT REFINANCED AND ACCOUNT CLOSED AT THE SAME TIME? HOW DOES A LOAN GO FROM XXXX TO XXXX? HOW DOES A LOAN GO FROM BEING PAID AND CLOSED TO NOW OWEING XXXX? IF YOU WOULD LOOK A THE DOCUMENTS AND NOT USE YOUR OSCAR SYSTEM YOU COULD CLEARLY SEE ITS INACCURRATE AND THEY HAVE BEEN ALLOWED TO REPORT THIS CAUSING ME MAJOR ISSUES!!!!! IM SHOCKED. 
It is the duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer, As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I AM A REAL PERSON NOT A CREDIT REPAIR COMPANY! THIS HAS DIRECTLY AFFECTED MY LIFE IN MORE WAYS THEN 1. I HAVE ASKED FOR HELP IN MAKING THIS RIGHT.