WillisBack/dataset-financial-user-claim huggingface dataset:
I am NEVER able to login to SYNCHRONY BANK because the EXTRA SECURITY TELEPHONE NUMBERS they show for SENDING A phone call or text message with a Pass Code, are NOT MY CORRECT NUMBERS. I am NEVER ABLE TO LOGIN. Opened CDs with my XXXX Savings and can not Login.
My home was in foreclosure, I filed bankruptcy in early XX/XX/2017 and my home was saved. I was advised by my attorney to just pay {$990.00} to the Dtech mortgage company and I have been doing so since XX/XX/2017 when my bankruptcy cleared. Now Dtech is trying to XXXX me over again, they are stating I owe them {$2000.00}. because of my ESCROW account yet I have not received one single statement, one single bill, phone call, email, correspondence ( nothing ) at my home. My daughter created the account for me online and it shows the mailing address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that is not my home address why are my statements and bills going there for my home. This has caused me yet major problems for now they say i owe {$2000.00} and i have tried calling to speak with someone to help me and nobody takes the time they just bounce me around from rep to rep. I will be hiring another attorney to assist me with this FRAUDULENT ACTION and decided to start by filing a complaint! I have record of everything
XX/XX/2017 a catalog account from XXXX was used by someone other than me without my knowledge or permission. I notified XXXX immediately that this was not my account-someone used the catalog that was in my name. They continued ho report delinquency to the credit bureaus so I notified them this was not my acccount. It was corrected for a short time but XXXX continues to report delinquencies knowing full well the account is not my responsibility.
We are trying to get a payoff demand from Ditech. We faxed a payoff demand request on XX/XX/XXXX. I called on XX/XX/XXXX as i had not received the payoff demand yet. The rep said it takes 5-7 business days so we should have it within a few days. 

I called today XX/XX/XXXX because we still have not received the payoff demand. I was told that the payoff was not even ordered until i called in on XX/XX/XXXX. They don't care that we sent a written request for the demand on XX/XX/XXXX. 



*****This property has equity. We have a buyer who has been waiting to close escrow. This is NOT a short sale and Ditech WILL BE GETTING A *FULL* PAYOFF. 


XXXX Ditech is refusing to provide a payoff demand and is PURPOSELY DEFRAUDING THIS ELDERLY WOMAN OUT OF THE EQUITY OF HER OWN HOME!!!!!!!!!!! 


There is an upcoming foreclosure date of XX/XX/XXXX. I need a Payoff Demand immediately, and a postponement of the foreclosure date due to Ditech 's superfluous delays.
I had a mortgage with Nation Star Mortgage. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( XXXX and XXXX XXXX ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XX/XX/XXXX and XX/XX/XXXX AFTER the item was paid. But they then listed a 120 day in XX/XX/2015 ... TWO MONTHS AFTER PAYMENT. 

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the Nation Star item and the second page which continues with their historical listing.
The monthly Federal Student Loan repayment calculation does not benefit single people. Instead, it benefits people who have a partner or a dependent, by allowing monthly payments to be recalculated and lowered if one has a partner or a dependent. Borrowers who are single have similar, if not more, financial burden than those with a family size of two or more. Permitting borrowers who are single to recalculate their student loan payments will decrease their short-term financial burden, and although may take them longer to pay off the loans, will put them in a better financial situation long-term to be able to save for their future.
I have been paying my student loans regularly and recently decided to go back to graduate school for a XXXX. I did not request or take out an additional loan for the XXXX program. I recently received a letter from the loan company that my loans were being deferred but if I " did not want this entitlement, I may request that this deferment period be removed. '' Deferment means additional accrued interest while in non-payment status. I never requested a deferment, never authorized a deferment, and never wanted to defer my loans. Not sure how the company could just automatically do that without my knowledge, consent or permission.
My daughter owns this money not me I already talk to them, they said they were going to remove this collection from my credit score they have not done it.
ERC repeatedly contacted my grandmother over a debt I supposedly owe for a phone bill. The bill was never sent to my address, which would 've been the only address within the phone bill account. I have never lived in the state that my grandmother resides or been associated with her address. These are illegal collection practices, as this information was never provided to this debt collection company. I received the bill recently from my grandmother that 's dated for  XXXX / XXXX /2016. I 've contacted the company. They were very rude. I was completely unaware of this debt, as they 'd been sending it to the wrong state. They apparently have sold the debt, so they assured me there would be no more bills sent to my grandmother. This illegal collection practices need to be stopped. It 's definitely a defamation of character.
someone used my information that resulted in this account being opened from fraud ... this company is reporting it when i have never had any services or authorized any accounts for this
I had ( 2014 ) a Secure Credit Card with Wells Fargo for XXXX XXXX they pay a unauthorized charge for XXXX $ that I never authorize, so at this point they are reporting me to Credit Bureau for XXXX amount of XXXX XXXX and I was asking to send me the contract agreement I sign but they never send.
Representatives of XXXX XXXX, XXXX XXXX XXXX and or Card Services are intentionally delaying processing payments to the account for an XXXX XXXX XXXX XXXX XXXX credit card.
This company is charging me for a debt that is not mine. I had a lease with my wife, we separated finished our lease she renewed by herself I never signed anything and I guess she broke the lease and now this company has a collection on my credit report which is wrong. I need help as I tried to resolve myself and could n't even obtain the validation
last 2016 I made 2 payment in the month of XX/XX/XXXX to XXXX XXXX XXXX ( XXXX ) AND ONE OF THE payment was designated to my principal even though I specifically instructed it to be paid to my loans for the month of XX/XX/XXXX and XX/XX/XXXX.That same month the loan was sold to Bank of America and was n't  recorded. now BofA records shows that I am behind by one month and I am been charged for late payment. Also, the month I paid for was retracted and made to cover the ate charges and now I am behing by 2 months. I have spken to them over 20 times and still was told to send information to the bank and it will be looked into but nothing and nw I am been reported to the credit bureau and foreclosure sent to me
Equifax has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court
Sent certified letter ( have receipt ) seeking validation of debt : a contract bearing my signature proof that I have a contract with them ... they offered other than signature proof? I sent a second letter stating I only accept proof by contract with bearing my signature. Their response was '' As we have previously fulfilled our duty to provide you with verification, we will not respond to any such requests in the future. '' I decided to investigate and see if this company is surety bonded to be a third party collector ... .I can not find their name listed in the Secretary of State listing file, nor can I find the information by searching the Secretary of State database for the company name and address as listed in my credit report. It was search of my credit report I discovered this bill while doing a complete house cleaning of my credit. I have copies of the original request for validation and it states clearly I seek only a contract bearing my signature with them to collect any monies from me ... and that is what they are not providing. I have concerns since my bank once sent me a notice of possible identity theft attempt on my account.
I paid off my Home ownner Association dues before a left the home.That was approximately 5 years ago. The Home owners association confirmed the debt was paid. Over the years I have told them numerous times that their records are wrong and it is effecting my credit rating. They refuse to correct this and keep sending me demand notices. The name of the agency is Cascade Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. The name is XXXX XXXX account # XXXX Re : XXXX HOA in XXXX XXXX. I live at XXXX XXXX, XXXX XXXX XXXX
We have received multiple unlawful overdraft fees from M & T. We have set up automatic payments for our bills. However the amount does not come out of the account when it is suppose to. The amount is held and taken out of the account weeks after. The bank machine displays the incorrect balance. Causing the account to be overdrawn. As a result of the account being overdrawn the other bills which are suppose to get paid are rejected. The company without authorization tries to take the money from the account multiple times after rejection. As a result the bank charges XXXX for each time the company tries to get the funds after rejection. We were not notified about these fees. The account has been overdrawn multiple times due to the fact that the correct balances were not displayed at the ATM and online. We were told by M & T not to trust the ATM machine or Online balances when we complained. We are also being charged a service charge to our savings account if it is not over XXXX dollars. There was no notification of this matter. We were told that all checkings and savings accounts were free. As a result we have paid M & T bank thousands of dollars in unlawful overdraft and service fees.
I was contacted by a Man through text message and by phone saying he was with a Loan Company by the name of 1Main Financial .... He told me I was approved of this Loan But I needed to purchase Insurance, In Case I wasn't able to pay out the Loan .. He requested I purchase a {$200.00} XXXX XXXX Card .... That was going to be used for Insurance ... I Have Reciept of that purchase ... After talking to this Man, 15 mins he stated I needed to pay Taxes on this Loan Money ... .. I Then knew it had to be a Scam .... He stated he lived in a Tax Free State .... Haha ... I have a phone recording of him saying he will be taking money out of my account! I NEVER received any Money ... .. What can I do?
This is at least my third complaint about Chase ( the bank company ). Long story short : as usual, they took an extended time to send my ATM card to me in XXXX, XXXX ( I 'm an American XXXX ). When it arrived, I had forgotten my PIN # & ended up with the card being eaten by a XXXX XXXX ATM at XXXX. I called XXXX & was told that to recover my card, Chase had to " unlock '' it. The Chase rep ( XXXX ) said he could n't unlock a card that was in somebody else 's possession, but could send me a new card. I consented, but then he would n't send it because I could n't recall my last date & amount charged ( a Chase security measure ). I demanded to speak to a supervisor. The second person I spoke to said that he could n't send my card because the mailing address I gave him did n't match what he had on file! BUT : the mailing address I gave him was directly off the piece of mail which Chase had used to send this ATM card to me to begin with! It was the exact same address from another piece of mail from Chase. I could n't get a direct answer to my question as to why, if the original card was sent FROM CHASE ( in XXXX, TX ) in THEIR envelope to THIS ADDRESS, a replacement card could n't be sent there as well. I then demanded to speak to somebody else and was told that " somebody else '' was busy with other customers ( XXXX ATM card mailings, perhaps? ) & was asked for my phone # for a callback. As I type this, it 's the next day -- still no callback! I hope your agency can find a way to sanction Chase for their incompetence and lack of caring for US expat customers. Maybe a great start would be to require them to pay back the XXXX dollars we taxpayers had to fork over to those clowns in bailout money : XXXX I 'm tired of apologies and excuses from Chase -- what I want is a new card and a new PIN #. Nothing else will do. Thank you very much.
This collection Agency has been reporting wrong information for the past 2 years. This is the 4th collection XXXX XXXX has this account to for the {$240.00}. I want it removed my my reports.
On XX/XX/XXXX I sent a certified letter to TransUnion LLC to verify or delete three accounts that were present on my credit report according to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX TransUnion LLC responded to me via mail and removed one account ( XXXX XXXX XXXX ) that was listed, one account ( XXXX XXXX   XXXX  ) was verified by a signed contract that was sent to me via mail, and the other account ( XXXX XXXX XXXX XXXX ) was listed as verified but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number two to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number three to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On  XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number four to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim.
Collecting payments since XX/XX/2016 {$150.00} monthly from there collection Department name XXXX XXXX services @ XXXX XXXX XXXX XXXX. 
File number XXXX. But not showing from the orginal account. XXXX XXXX. XXXX, XXXX. 
I have XX/XX/XXXX and XX/XX/XXXX payment and i will be paid in full with the agreement of settlement option 3. I called in reference to them letting my creditors know ive made all my payments on time, so i can get the credit i deserve. Omega number XXXX.
I 'm currently in an active foreclosure and fell behind in my payments. So far it 's about {$60000.00}. I 'm waiting on additional income to come in so that I can become current with my mortgage. There was an unexpected retirement I had to put in for due to medical reasons. This is my primary residence and I have no other place for me or my son to live if my home is foreclosed on.
Experian credit needed to take off XXXX collection items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/15. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report dated XXXX/XXXX/15. And again on XX/XX/2015.Experian also brought me credit score down XXXX points after paying off a medical bill in full. I ran my XXXX XXXX report from the XXXX website XXXX times which cost me {$16.00} to {$20.00} each time the report was printed. The reports included XXXX, Experian and XXXX credit reports and scores for all credit reporting agencies. The only company that is reporting correctly is XXXX. Experian and XXXX are not being regulated by anyone at all. Help Me XXXX XXXX.
In XX/XX/2018 I started getting phone calls from numbers I did not know, mentioning XXXX  XXXX and " actions '' they would have to take if I didn't call them back. I did not answer because I thought they were scam phone calls. 

In XX/XX/XXXX I was notified that my credit score had gone down, so I checked it, and saw a delinquent account on it. The account shows up as : XXXX/XXXX  # : XXXX XXXX XXXX XXXX XXXX , OH XXXX It appears to have been opened XX/XX/2018 and now has an unpaid balance of {$730.00}. 

I filed an investigation with XXXX XXXX, and they completed the investigation but the results were " VERIFIED AS ACCURATE AND UPDATED. '' I did not open this account and I need it to stop ruining my credit score - which used to be pretty good. I've never had a late payment or delinquent account so this stands out as pretty suspicious on my credit report.
I followed Experian 's online protocol to correct addresses. I received their response and the information was still incorrect. When I again followed protocol to correct, the options provided on the website do not allow for additional options. The only options from a dropdown menu are : Never lived there Belongs to another person with same or similar name Identity theft I just need these XXXX addresses deleted as they are incorrect. The correct address is already correctly listed in my report. These are the XXXX that need to be deleted : Address : XXXX XXXX XXXX XXXX XXXX ( This should read XXXX, but as stated above, it is already correctly included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX Address : XXXX XXXX XXXX XXXX # XXXX ( This address is incomplete, and again, the correct address is already included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX I HAVE NEVER LIVED AT THE BELOW ADDRESS and after using the drop down option of " Never lived there before, '' the following message I received was to contact the creditor who provided this information. I do not know who the creditor is. 
Address : XXXX XXXX XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : XXXX
On XX/XX/XXXX I initiated a public record investigation with LexisNexis. I received a response dated XX/XX/XXXX stating that LexisNexis removed the item in question from their report but as of this day LexisNexis is still reporting this item to the credit reporting agencies that they report to Case # : XXXX
Synchrony Bank, during the month of XXXX 2015 closed my Amazon Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Amazon Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
I went to my accountant so she could efile my tax return, she was told that my taxes had already been filed.I mailed my taxes certified mail to the IRS. I filled out the XXXX for for Identity theft. 
Now I am placing this this complaint to prevent my Credit from being stolen. This is possible identity theft.
I have a Matrix MasterCard from Continental Finance ( initially it was a XXXX XXXX ). I mailed my payment ( money order ) for XX/XX/XXXX on XX/XX/2015 at my post office. The payment was due on XX/XX/2015. Continental Finance did not receive the payment until XX/XX/2015. Continental Finance called me XX/XX/XXXX to tell me that they did not receive my payment on time. I told them the date I mailed it and that it should not have been late. I also told them that I would have the XXXX track it. I asked them to waive the late charge as my payment history was. Excellent. They agreed to do this, however my next statement showed that I owed them {$95.00}. I called them again on the date I received the statement to find out what this was about. They said it was a charge for being XX/XX/XXXX ( {$35.00} ) another {$35.00} because I did n't pay the first charge plus the {$35.00} that was due for on XX/XX/2015. I told them that I wanted to speak to a supervisor who insisted that I had to pay the late charges. I told her that I felt this was not legal and that I was unable and unwilling to pay these excessive charges. I had already submitted the documentation from the post office who had traced the money order and who explained to me that the payment was late as the Usps trucks their mail and does not fly it and that due to the ongoing snow storms their trucks were not able to move the mail. ( I forgot to tell you that I had closed this account several months before as they began charging me {$12.00} a month as a fee after you have the card for a year ) I received a later from their corporate office stating that the late fees they were charging every month would continue as it was their policy. I refuse to pay this and they have been calling me several times a day. Can you please advise me what I should do. I would sincerely appreciate any help you can provide. Also I feel that continuing to make payments to Continental is futile and a waste of my money. Thank you very much.