WillisBack/dataset-financial-user-claim huggingface dataset:
This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. XXXX XXXX representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I requested the date to be changed for my credit card payment. I asked for the payment to be due on the XXXX of the month. Three months past and I forgot about asking for a change. Yesterday, XX/XX/XXXX, I checked my online statement and the due date was changed to the XXXX of the month. 

I called the bank and after a lot of conversations with various bank people, I was told the date I requested ( XXXX ) was not available so it was changed to the XXXX and I was not informed or asked to pick another date. No one contacted me about this matter and if I were to choose a new payment date, it would be after the XXXX of the month because that is when I get my Social Security check. 

I told the bank I could not make the payment due until the XXXX of the month and the bank refused to wave the late charge of {$37.00}. The payment must be made by XXXX on the XXXX. 
I told the bank my money does not go into my checking account until around XXXX XXXX on XXXX, but they insisted on charging a late charge if the payment was not made by XXXX on the XXXX.
I am a XXXX citizen out of work and living alone. Harris and Harris keep robo calling me asking that I call them about a debt - each time I call they say they are trying to reach a XXXX XXXX ' - I 've lived at this address for 16 years and had the phone number for the same length of time and no XXXX ' has ever lived here over that time period - each time I call them I tell them as much but the keep robo calling - the last robo call I received was on XXXX/XXXX/2016 and I called them back on XXXX/XXXX/2016, explained the above and asked them not to call again - however that 's never stopped them in the past and I expect they will robo call me again. I filed a complaint with the XXXX today, so I 've taken not other action.
To whom it may concern, I called Experian credit reporting agency on XX/XX/2018 and spoke with a XXXX, regarding my some items on my credit report. I gave Ms. XXXX all the information she requested to verify who I was, she asked what I calling about and when I asked if it was right for them to still show late payments on accounts that were no longer open she became very nasty and rude this is not the first time I have encounter this Repensentive and she was the same way. I work with the public every day and that is no way to talk to someone when I never raised my voice or said anything to her that would cause her to speak to me in that matter. Thank you XXXX XXXX
I got a loan from capital one auto finance and when I applied for the loan they rated my credit which was XXXX a loan rate of 23 % and other people were getting much lower rates, I 've noticed that the company seems to charge really high rates even when a person has decent credit. I am XXXX and had a hard time paying for the car note so I called them and did a voluntary return to them, after they sold the vehicle at auction they are now saying that I 'm still responsible for the interest on the car which is XXXX the car was n't worth that much to begin with. it was a 2013 Nissan versa.
I have contacted this company about 7 times already to correct the payment information on my account. After speaking with a supervisor about two times once they called me they agreed to remove the late derogatory information off my account. While I waited 3 months it 's still there I tried reached out to the company again and they informed me that they put the request for that department to remove the late payment and they reassured me that they will fix the report and notify the credit bureau so they can update the system.
My home was foreclosed on Monday XXXX/XXXX/2016 because a Nationstar Mortgage employee did not turn in the one document requested on time and left work to go home. I submitted the one doc they requested before the time he stated it had to be turned in ( XXXX CST ). Within a few hours of Nationstar 's request, I sent in the document and he never sent it in to be approved. I was already told it was an approved short sale. I have these facts in writing from the Equator system that my agent was kind enough to show me. I have printed the entire situation out. Because this representative left early or decided not to check my file, I lost my home the next day.
Hello, I have never had an account with XXXX XXXX They have reported a collections account # XXXX to all three credit bureaus since XX/XX/2016 for a amount of XXXX. I have submitted letters to three bureaus asking them to ask XXXX to validate, meaning send me paper with my signature on it and they have yet to send anything and its still reporting negatively on all three reports. THEY HAVE NOT SENT ME OR THE BUREAUS ANYTHING but a statement saying its mine with NO SIGNATURE. I have disputed twice this year. Every time I dispute XXXX results In more and more phone calls from their " Legal team '' which I am not to sure is a real legal team. They have threatened to sue me every time. Just this past month I contacted both the bureaus and XXXX XXXX trying to get this collection agency to send me proof that they have even have a license to collect in the state of Ohio because I've researched on that the secretary of state page and even spoke with a representative and they verified that they can't find a license to collect. When I called XXXX XXXX asking the same question they transferred me to their legal time. When speaking with the legal team they wanted me to make a payment before they went any further. THIS DEBT IS NOT MINE. XXXX XXXX DOES NOT HAVE A LICENSE.
I have contacted expertise several times for over XXXX hard inquires in which only XXXX is mine with a credit card and XXXX with XXXX car loan. all the other inquiries not mine.
I received your letter in response to the Equifax dispute I initiated. Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency. Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer  reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following : Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees. Also, please provide me with a complete description of your clients identity, including its full name, address, state and local license ( s ) and state and federal tax numbers. Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it. Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.
One Main has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Wells Fargo foreclosed on my home on XX/XX/XXXX but they never notified me that I had a foreclosure sale date. I lost my job XX/XX/XXXX and I was out of work for over a year and that caused us to fall behind on our mortgage. My wife ended up losing her job XX/XX/XXXX. We are both working now and we have the income to make mortgage payments, but we just didnt have the funds available to bring the loan current so we reached out to our servicer for assistance. We have been trying to get modified since XX/XX/XXXX but wells fargo didnt help us get back on track.
XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andwells fargo and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and XXXX this and transunion and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.
I had a XXXX XXXX Account opened in XXXX and the last time used my account before I closed it was XXXX XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. I checked out my credit reports in XXXX of this year and XXXX have my report showing negative information. I called XXXX XXXX Department to rectify this issue and they stated that will update my credit reports with the correct information.
I travel a lot for business and Synchrony had my accounts on hold for quite some time so I placed my accounts on ACH since I could not access the website. I submitted some documents they needed and never received anything back regarding my status. After returning to the country recently, I had over 500 missed calls from and collection company regarding my Walmart and XXXX account. It looks like these 2 accounts were not successfully added to ACH and I have no idea why not. Since, they have been turned over to collection. After reviewing my balance for both accounts, these balance are incorrect. This XXXX card has an unbelievable amount of fraudulent charges and the collection bureau is reporting this XXXX. This account needs be turned back over to XXXX so the fraud department can correct this. Now the Walmart account. I placed a fraud dispute with this bank months and months ago, and just received a letter in XX/XX/XXXXstating my case was denied due to whatever was fraudulently purchased mailed to my address. For one, the person who stole my wallet had every piece of my information, so I had to get a new idea and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. The other day my neighbor brought a package to my home that had been delivered their home in error. She said she 's been holding it since XX/XX/XXXXor XX/XX/XXXX, because I 'm never home when she come by. This looks like something that was purchased from Walmart and the timeline adds up to when my card was lost. This Walmart case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors. Another Synchrony account that I can not get fixed is my XXXX. Back in XX/XX/XXXXor XXXX, XXXX was taking care of a fraud claim and was suppose to re-generate a new statement that I could actually pay the balance on. It took them 2 months to get this taken care of and STILL reported 60 days past due on my credit report. This was suppose to be taken care of and removed. Also, I paid the balance in full minus the late fees back in XX/XX/XXXXsometime. The supervisor I spoke to never waived the late fee as promised that which would have placed my account at a {$0.00} status. Since then it has been racking late fee after late fee after late fee. This account was placed on hold, and customer service can not do anything to fix it or either they would take care of the balance.
Ocwen Loan Servicing agreed to a deed in lieu of foreclosure aka cash for keys while I still reside at XXXX XXXX XXXX, XXXX FL XXXX for {$12000.00}. I have no money to move. The relationship manager for my case XXXX XXXX, failed to inform the Ocwen attorney about my approval for cash for key and my house was sold today at XXXX XXXX XXXX XXXX Court for {$38000.00}. Case number XXXX. Ocwen does not know how this happened and they are sorry, but not offering any resolution for me getting money to move. What happened to my cash for keys? I need help to move to a new house and Owcen sold my house. 
XXXX
I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
They continue to apply the loan payment incorrectly despite specific directions on the check and multiple contacts and notes on the file with customer service. This has made it past due on multiple occasions. The check clearly states to " apply excess to loan x '' as it is our plan to put even a little extra money to help pay it off early. Yet they continue to apply the entire amount to loan x making us " delinquent '' on the other accounts. I have spoken with multiple representatives who have verified that they understand what it means to apply excess to loan x. As this has necessitated calling in multiple times this brings me to another concern, there is no easy way to speak to a representative. You can not push XXXX, but instead have to listen as they detail that the payment is late and would you like to make a payment. The truth is the payment is not late and this call is to remedy the mistake made by the company and yet I can not speak with a representative until over 5 minutes later. For those of us who work ( especially multiple jobs ) there is not always time to spend 5 minutes going through an automated system and then explain the situation to a representative who says they will do what they can, but that this is how the system works. The system needs to be remedied so that simple directions can be followed on the written checks and applied correctly, making it no longer necessary for multiple calls by the consumer. Further this even helps the company as they do not have to call or email about delinquent accounts that are actually not delinquent.
I made a transfer from the Bank of America website. It was an external transfer from XXXX XXXX to my checking account in Bank of America. BOFA withdrew {$1000.00} from my XXXX XXXX  account but never deposited in my account. I has been about 3 weeks already with no resolution and every time that I call them, is like I never called before. I logged in the BAFA   website and requested a {$1000.00} transfer from my XXXX XXXX to my BOFA account. Having done this before, I thought everything was going to go as expected, but it didn't. Initially, BOFA was playing the blame game and was trying to say that XXXX was to blame for this. After long talks with XXXX XXXX   management, we finally realized that BOFA was responsible. The withdrew the {$1000.00} and they are the ones able to trace it and let me know what happened with my money. I am not sure what to do here, but at this point, I feel like this money was stolen from me. The outrageous it that I because of this, I was not able to pay the full amount of my credit card and BOFA is already trying to collect the interest when everything was their fault, to begin with.
I have called on sereveral occasion, s credit one would not fix the problem. They illegally charge off on our accounts after filing for section128-21 in the stat of Wisconsin. I spoke with there collection dept 2 days before they sent it to a collection agency.they agent told me they did not agree to the court order. And did not have to follow the Wisconsin law.he told me every state is different. I live in Wisconsin and was given the card in Wisconsin so they have to follow the law.payments were made to credit on per our court order in XXXX of 2018, XXXX XXXX and XXXX all of 2018 Thur the trustee. They charged of the account after the payments were made. They sent the accounts to XXXX XXXX  and broke the law. We filed XXXX of 2018. And all the creditors were notified. They need to remove our accounts. They were paid by the agency.this company has a lot of complaints and should be closed. They take advantage of people.
I took out a flex loan with Advance Financial. I took out a {$1200.00} four months ago and I still owe almost the same amount. I have paid extra and still ca n't get the loan reduced. I have tried to work out a reasonable payment but they are asking for extra payments instead. Right now, my annual interest rate is 270 %, and all I was told was take out bank loan.
I am  XXXX   XXXX   XXXX  and on Social Security with an additional, small income to pay bills. I have a student loan from my son that I paid for many years until I was not able to keep up the payments, around  XXXX . Last year I followed up with   XXXX   and was able to rehab the loan fo r nine month s. I was shocked to see that what was originally a $  XXXX  loan become a $  XXXX  loan. After the rehab I was assigned to Navient. That was in   XXXX   XXXX   XXXX  . At that time the loan was deferred till   XXXX   XXXX   and I was told I could apply for income-based payments, as their initial payment structure was {$450.00} a month, well out of my budget. I completed the paperwork but received no response. I contacted them again, again with great difficulty, and I was told nothing had changed, I was not approved for  IBP an d I was not notified. If I had n't been stubborn enough to keep calling I would n't have known. I was then told I would receive an email with paperwork to reapply for IBP. I have not received it, nor have I been contacted. I logged in to my account and the loan is now at $  XXXX  and the scheduled payment is for   XXXX  .     I have paid off my ow n undergrad and g raduate loans in a timely fashion in the past, as well as loans and tuitions for  XXXX  of my sons. I have been making a loan payment to  XXXX   XXXX  for probably  eight or ten y ears and currently still paying {$100.00} a month to them. I 'm not a deadbeat. But from  XXXX  to  XXXX  and now  Navient ha s brought me face to face with the ugly scam that is student loan servicing. I would be satisfied to make a reasonable payment each month at a reasonable interest rate to remove this issue from my credit and make it possible to pay my other bills. But I ca n't seem to find anyone who will deal with me honestly and straightforwardly.
NOTE- this is separate from my other complaint with the CFPB re: FedLoan, that is currently in progress. 
On XX/XX/XXXX I logged into my FedLoan account to schedule my XX/XX/XXXX payment (due XX/XX/XXXX). My account stated that my account was overdue. Confused (I pay my monthly, income-driven repayment amount of $XXXX each month), I read further. A random amount of $XXXX was applied to my account. This makes no sense- I am in the Public Service Loan Forgiveness Program (PSLF), meaning I pay each month through the income-driven repayment plan, which is determined annually when I submit paperwork. Last year, based on income and family size, my payment was determined to be $XXXX/month, XXXX - XXXX. I have no clue where $XXXX came from, and it was never reflected on my monthly billing statement. I called on XX/XX/XXXX and spoke to XXXX (employee # XXXX). She shared my confusion; she put me on a long hold and tried to determine where this charge came from, but couldn't determine it. She stated it was 'odd' and she hadn't seen a charge be randomly applied. She firmly stated that I pay the correct amount (for XX/XX/XXXX, it is $XXXX, and in XX/XX/XXXX my new income-drive repayment plan based on my recertification paperwork will be $XXXX, effective XX/XX/XXXX - XX/XX/XXXX). She advised me to pay 'what I actually owe based on my income-driven repayment plan' and she would put a note in the system. She also said she would send it to investigations. As of today (XX/XX/XXXX), my account is 18 days past due. I received a notice of my delinquency. I called FedLoan again and they said it was still in investigation, and that bad credit reporting won't occur until 90 days. They again reinforced that I should pay what I 'actually' owe and that the mysterious $XXXX should be resolved in 90 days. I am concerned it won't be- I have very good credit, and have worked hard for that score. I am mindful of all bills and have never paid a bill late, FedLoan and others. I do not want my score to be harmed by this issue with FedLoan. The employees cannot explain how this random charge dropped on my account, but they assured me it will be removed. I, however, have experienced multiple issues with FedLoan, particularly in the past year. I am very concerned. XXXX, the employee I spoke to on XX/XX/XXXX noted that my account appeared 'perfect,' meaning I always submit required paperwork on-time and pay my monthly bill. I am very concerned this account will harm me, despite doing everything right. I fear as I approach the end of 90 days, I will be forced to pay an amount I don't owe, or face a ding in my credit score. This isn't right.
Hi I have a problem whit  XXXX   XXXX  a tax this company try to colle ct a tax deb but I call a several times and I sent a letter I am not the person I explain some one else use my identification and buy a several cars I ca n't pay the vehicle tax because I never buy those cars. The last time I spoke whit this company and I sent a letter explaining the situation and then the company stop charging the amount now the company try again to charge me more and I do n't no why do n't understand I am a identity thief victim