WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) On XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called XXXX and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.
Three months ago I received notification from Citicard that they were going to cancel my credit card because I already was making payments on another card that 's been closed. I was not late on either card. Two months ago I thought I had made an online payment to Citicard to pay my bill for the month. It did not go through somehow and when I went to check on the bill, I found it was n't paid and I called XXXX to see if they would waive the fee. They said they had already waived the fee and they could not do it. I asked them since they were closing the account anyways if they could just roll over the amount due, to the balance that I was already paying on and they said they could not and that I would have to pay two separate accounts. I was not ok with paying two separate accounts, so knowing that I would pay off the balance by XXXX XXXX, was not too concerned since the account is closed. Well Citi has not stopped calling me XXXXVERYDAY 1 - 6 times EVERYDAY!! I 'm not sure what they think they are going to gain by calling me so many times a day but this is NOT ok. No one should be harrassed by a creditor so much. And it 's not like I owe {$50000.00} or something like that. I just want the calls to stop and the opportunity to pay off the balance.
The caller most likely appears to be Allied Interstate but I can not find any definitive answer on this as they have done an exceptional job of obscuring their identity. They number that they call from shows up as XXXX on the caller ID with a name of " Toll Free Call ''. 

Every business day for well over a month the caller has called me multiple times per day. Additionally they have made contact with me personally multiple times in a single day. Every time I have not answered the phone and let the machine get it no message is left. They obfuscate their identity on caller ID as it shows up as " Toll Free Call ''. The first time I answered there was no one on the line so I hung up. After that when I have answered I personally have told the calling company to never call me again. I have personally told them to never call me again multiple times in a single day. Each time when I have told them to never contact me again the line has disconnected. Below is a listing of the dates and times ( central time zone ) when they have contacted me and been told to not contact me. Additionally below is a listing of the times when they have called me and I have records of the call as I did not start recording the date and times of their calls at first. There are additional calls as my phone only records the last time when they called and indicates the number of times per day they have called before that. Each business day that they have called they have called multiple times. 

Dates and Times when I have told them to never call me again : XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX Dates and times that they have called me ( incomplete list ) : XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX
The last three times we tried to get our free annual credit report from Experian online it made us submit our information twice to even get to the opening security questions. After we submitted correct answers to the security questions, the next page says that we can't get it online and that we have to call or write to get the information ; no explanation is given. We have no problem with XXXX or XXXX but Experian makes us call or write to get the report.
Since XXXX, I have been trying to modify this loan on my home which I built, have lived and worked in, since XXXX. I did, in another complaint against BofA, describe the trouble I experienced year after year with my modification applications for this negative arm Countrywide loan which has ballooned out of proportion in the process. 
I do not know when the Bank of XXXX acquired my loan as a " security ''. But I do know that their attitude towards my loan did not take into account any of the numerous mistakes made by BofA during the process, mistakes that caused me much grief and produced endless delays in the processing of my application, also causing this toxic Countrywide loan to balloon out of proportion very early on in the process.
XXXX, XXXX, Experian reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ON XX/XX/2017 5 letter were drawn and sent certified mail to XXXX, Trans Union, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..
There is a WV State Tax Lien in the amount of {$690.00} showing on my XXXX credit report and this was paid and released on XXXX XXXX, 2012. I have sent in verification to Equifax showing this has been satisfied and its still showing as unpaid. I have also disputed this with Equifax and never received a response, only stating it was a valid debt and did belong to me. It needs to be updated and corrected that this has been paid and released.
This agency will not validate this account I would like to obtain the initial signed contract, full billing, payment, applied etc on this account. I requested prior and nothing has been received.
I do not owe the NATIONAL CREDIT ADJUSTERS charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
I have a long standing credit card account with JP Morgan Chase. The card had a fixed APR for over a decade that changed to a variable APR without my knowledge.
medical data sy XXXX Debt was so to this collection agency by the XXXX XXXX XXXX XXXX in XXXX, Florida. This hospital was recently named the most overpriced hospital in the nation by one national study. They charged tens of thousands of dollars for a minor procedure that costs only a couple of hundred dollars. My insurance paid the fair amount ; I refused to pay any more. We filed bankruptcy prior to this occurrence, but this debt was also supposed to be included as it was within a certain time limit. For three years, they have been hassling me. Please help make it stop.
I obtained a loan to purchase a bedroom set from a local furniture company. I had the cash on me to make the purchase but the store owner told me that I could build my credit by financing the furniture. the total was a little over XXXX and I figured I could pay that off in no time while increasing my credit score. the furniture was financed through Duvera Billing. I have made my monthly payments on time which is XXXX and checked the account and was floored to find that I still owe the same amount after 5 months of payments. I called Duvera to get more information and was appalled when the representative told me that I have an interest rate of 96 %!!! Is that even legal?? I need help! Is there a way to legally get out of this contract without affecting my credit?
Please call me about Wells Fargo calling student loans student loans and then accruing interest during the forbearance period, then popping an amount on the poor student as double what they borrowed when the forbearance is up and also reporting the amount on the co-signer when the loan is still in good standing. i.e. the loan was NOT a student loan, they accrued interest from the first day all through while the student was in school, Our XXXX loan became close to XXXX when forbearance was up. We did not know that, they did n't make it clear and they " called it '' a student loan back in XXXX right after the XXXX and congress foolishly handed the reins to banks on student loans and destroyed countless student loan companies. These were supposedly federally insured loans and were advertised as such, at least that is what we thought we were getting. Wells Fargo took advantage of them and XXXX of these loans are getting called now as students get out of school and are finding out they owe twice or 3 times what they borrowed. Disgusting, disgusting, nasty practice and XXXX XXXX should pay for their greed,
Multiple incorrect addresses on my report. 

Four addresses related to Post Office Boxes that have never belonged to me. 

Incorrect employment record : I did not work for either XXXX and XXXX or XXXX and XXXX in 2004 Finally, this is the only credit bureau that has seen fit to invade my privacy and report 7 phone numbers!! Most of these are not even mine and I want ALL OF THEM REMOVED!
Originally, green tree servicing llc granted me a {$29000.00} loan for a pool at my residence. In order for me to qualify, the representative of the company inflated my annual income by nearly XXXX %. My income was approximately {$34000.00} per year and to make the loan work, he reported it at $ XXXX as memory serves. I was a single father at the time, stuck in a terrible adjustable rate mortgage, receiving no child support and working XXXX jobs. There was no way I should have been qualified for the loan. Yet Green Tree found a way for XXXX XXXX, who has since gone under, to put a nearly {$30000.00} pool in my now foreclosed on home. 
Since my foreclosure, I have remarried and after being served collection papers from a law firm that Green Tree apparently sold my loan to, I reached a settlement with the law firm to repay half the remaining balance, just over {$14000.00}. They worked with me and put me on a manageable payment plan that was scheduled to be fulfilled in XXXX 2016. However, with tax returns and yearly bonuses my wife and I were able to pay the balance earlier this year and it is my understanding this debt has been satisfied. 
Now I receive a notice in the mail that is a letter informing me that 'Federal and state law prohibit certain methods of debt collection, and require that we treat you fairly. ' This was received from Green Tree Servicing of XXXX, Arizona. This letter not only rekindles the sour taste I have from ever being qualified for a loan they had no business issuing, but also leads me to believe that they still have this loan as an active debt. Frankly I am hesitant to contact these people to find out what is going on because I simply have no trust in them, and I worry they may try to collect further, even after our settlement. 
I decided to write to the CFPB because they provided your website as an avenue to report shady collection practices. I feel everything this company has done has been shady and feel it is my right to inform your offices of my situation.
XX/XX/XXXX, I went to PNC Bank branch to make a {$2000.00} withdraw from my checking account. 

XX/XX/XXXX, I went back to the same PNC Bank Branch to speak to XXXX XXXX after finding out from PNC Bank main headquarters that XXXX XXXX bank teller she was the one that opened a credit card application without my knowledge and without my permission. XXXX XXXX told me she did n't open an application, I told XXXX XXXX that the credit card application bares her name on it, she went into a frenzy and went on the computer and she stopped talking to me. 

I believe that I was single out because I 'm a senior citizen, my age and national origin. THIS MATTER IS N'T AN MISUNDERSTANDING IT WAS AN INTENSION AND DELIBERATE ACT TO COMMIT FRAUD FOR FINANCIAL GAINS.
I tried for the 1st time to CANCEL my account XX/XX/2018 @ XXXX XXXX. CANCEL XXXX is the subject line. I got a confirmation. I will still being billed and called and was told it'd take a month or two to correct and refund. 

AGAIN XX/XX/2018 @ XXXX I sent a follow-up email. " asked that my account be canceled on XX/XX/18 and I am still being billed. Please refund my hard earned dollars as of that date '' AGAIN I told it'd take two months however ALL my monies would be returned. HOWEVER THEY ARE STILL STEALING MONIES MONTHLY FROM MY ACCOUNT. 

I call monthly. Last month my account was overdrawn! I go onto the site to get the phone number and call and I get the same response it'd take two months. Two months has turned into OVER 6 MONTHS of billing.
On  XXXX   XXXX ,   2017   I had transferred {$5100.00} from my checking into my Diamond Preferred  Citibank MasterCard   XXXX  without knowing that there was a limit to my spending on it, so I was n't able to make the purchase I wanted at the end of the day. So I had called and requested for the amount to be transferred back into my checking account on the same day. After a couple business days I called again to check, and they put an investigation on it. After another couple business days I called for the 3rd time, and was greeted by a rude telephone operator from Maryland that had been condescending  and unhelpful to say the least. So I went to a Citibank branch and had a helpful teller help call and contact a manager on the other end, who had given a 4-5 business day duration for the funds to be back in my checking account. As of today, it still has yet to transferred! Is n't it illegal to retain funds for more than 24 hours? What more this?
I have requested from Suntrust Bank who recently purchased my Student Loans that I be able to inspect and see that they have the Original Instrument ( s ) of Indebtness. They have responded twice and in both responses they have failed to present that/those documents. I have sent both complaints to FTC and it has been referred to you- the CFPB- and although they have failed to produce the requested information the complaints have been closed. At this time I wish to make my complaint fully explaining that they have not produced the Original Instrument ( s ) of Indebtness and In fact the document that they produced not only is a COPY but it is also a copy of a Loan with out the loan amount stated on the document. And also In Fact, The loan I took out on the date of XX/XX/2005 was for less than $ XXXX.The total cost for attending International Academy was less than the above stated {$6000.00} PLUS I had Pell and other Grant monies I had qualified for.
I received a letter stating that someone opened a Dillards credit card in my name. I did not open a credit card. The limit was {$1000.00} - and they spent {$990.00} on it the same day they opened it.
I opened a new CC account on XXXX/XXXX/2015. It is a chase XXXX XXXX card. They arbitrarily ( apparently computer generated ) assigned a billing cycle closing date of XXXX/XXXX/2015, so that my first payment would be due on XXXX XXXX, instead of in late XXXX. I called them on XXXX/XXXX/2015 at about XXXX. They agreed to change my billing cycle going forward to the XXXX of every month ( with another short cycle to XXXX ) but would not change the current bill. 
This is very unfair. They ought to either inform me up front about this, or be required to give the full XXXX day cycle. If they ca n't do that, then it should be a LONGER cycle for the XXXX bill, not a shorter one. For example, in my case if they wanted to end my cycle on the XXXX of every month, the XXXX cycle should end on XXXX XXXX, for XXXX days, not XXXX XXXX, for only XXXX. 
I also purposefully wanted a cycle that allowed this payment due date to be later in the month. My main CC due dates are early in the month, and I thought this CC would come due later in the month, to " spread the pain. '' Even though they changed it going forward, XX/XX/XXXX will now be difficult for my budgeting.
XXXX, XXXX & XXXX, XXXX, NATIONSTAR, XXXX AND NOW XXXX IS TRYING TO COLLECT A DEBT NOT MINE.
I noticed some accounts on my credit that are not mine. They are dropping my credit. They show me as an authorized user. I never authorized anyone to put me on their credit. I contacted the creditors and they stated that they will remove me but I have to dispute it with the Bureaus. Equifax and XXXX are just ignoring my disputes. It has been 62 days now and they refuse to remove this from my credit
National Recovery Agency ( NRA ) opened a collection account under my name. They reported this account to XXXX  before sending me any bill. I called them and they said the debt is valid. 

I contacted NRA by mail ( right address is here https : //www.nragroup.com/contact.html ) to validate the debt, but they failed to respond me within 30 days. I attached the proof ( the certified mail receipt and the letter ). If the debt is valid why they don't answer my mail?
I received notice a few weeks ago about ERC being placed on my credit file. I waited to see if i would receive anything in the mail pertaining to this debt. To this date I have not received anything, I have no clue what this is or what they are trying to collect for.
I have been a victim of identity theft and noticed a few collections on my credit report. I filled out an ID theft document had it notarized per the FTC and XXXX websites. On XXXX/XXXX/16 I sent XXXX XXXX XXXX & Experian a certified letter with all required documents. It 's been over 30 days and nothing has come through. I need you help to get this resolved bc it 's affecting my health and stressing me out. 

Thank you,
XX/XX/2019 We had to downgrade our accounts at Chase from private client to plus checking. They closed our atm cards even though we have 2 fully funded accounts. Their reasoning was bank error and a glitch in the system. My husband is traveling overseas with no way to access our accounts they could not re-activate his atm even though its their fault. My new atms wont be delivered for 2 days. Chase bank in XXXX XXXX. We were not even notified. They say sorry and get money from friends overseas. They gave me no action
They attempted to collect an amount that was not owed. I responded by explain to them the amount was paid to the original debtor and asked them to verify and send me the notice of verification. 
I asked them to stop trying to contact me if they did n't have the original debt amount that was owed and the date of the delinquency. 
I never heard from them, but instead they placed damaging information with the XXXX credit bureaus with false dates of delinquency. With XXXX credit bureau they reported that the debt with them was included in a bankruptcy. ( XXXX ) With another agency they reported it paid and closed. ( XXXX ) For over seven years they have attempted to collect an amount of XXXX that was paid with every under handed tactic that violates my FCRA rights. They also changed the delinquency date to the year 2011 and updated the reports so that they would remain with the reporting agencies longer. 
I was finally given this site to make a report about their actions in hopes of getting them to cease the harassment and continued defamation.
TO SPECIALIZED LOAN SERVICING, AFTER MANY ATTEMPTS TO GET YOUR SUPPORT, WE WERE MET WITH DISRESPECT, AVOIDANCE OF THE CRITICAL ISSUES WE BROUGHT TO YOUR ATTENTION AND RESPONSES NOT RELATING TO THE REQUESTS THAT WE MADE. THERE IS NO DOUBT YOU HAVE AVOIDED THESE ISSUES. WE ARE FACED WITH PROTECTING OURSELVES AND OUR FAMILY AFTER DISCOVERING WHAT REALLY HAS TAKEN PLACE. 

SEE ATTACHMENT ENCLOSED!
Calls about a debt that is n't mine or past statute of limitations..have sent cease and desist and still call..calling relatives and threatening them.
I answered an online add on or about XX/XX/2018 from XXXX XXXX XXXX claiming that I could save on my mortgage payments. I completed the online application. The site said that, if they couldn't offer a lower my rate, I would get a " prepaid {$250.00} Visa gift card. '' Please see the attached screen shot of this claim. 

I presently have a loan that I recently got at 3.40 % for {$430.00} K, paying {$1900.00} per month, fixed for 30 years. 

The answer I got on the online site was, as you can see, that my payments " could be as low as {$8000.00}! '' I called the number on the website and first spoke to XXXX in XXXX, MI. He then transferred me to XXXX at XXXX. I told him that his company should send me the {$250.00} gift card. He said, " Oh, that was only for loans to be funded only after XX/XX/XXXX of this year. '' I reminded him that there was no  mention of that date on their advertisement, as one can see from the attached webpage.
I disputed inaccurate information with credit bureaus and creditor and they still report inaccurate and false information on my credit report. I had an auto loan with Capitol One several years ago. the truck was totaled out while I was in bankruptcy and the truck was paid off in wage earner program through bankruptcy. Creditor continue to re age and report inaccurate information on my credit report even through dispute. The XXXX bureaus have different dates, balances, and dates of first delinquiences. XXXX reports that ive made payments I never made. XXXX has XXXX different charge off dates. XXXX says that my balance was paid off from my wage earner account on bankruptcy. This inaccurate information and re aging of my date are illegal by my understanding. Ive disputed sevral times with credit bureas and this is the next step I understand a consumer should take with the Federal Trade Commission.
I paid my late payments with  XXXX  and the  XXXX   XXXX  took it off my collections account but the equifax still has it on theres and it 's been over a year and still has not been taken off, and with that being in there it 's affecting my credit background checks for my job I am applying for so I need it off my account.
Good Morning, My name is XXXX XXXX. I have previously contacted the CFPB in the past ; concerning this company continuing to check my credit ; resulting in unauthorized Hard Inquires. From my understanding ; the bought the debt that was owed on a repossessed car from XXXX XXXX XXXX. After the car was sold ; first investors stated that I owed {$10000.00}. They stated that they failed to update my address to the one that I had provided ; so they were willing to accept 25 % of the balance. Due to their mistake. I asked for this in writing ; I never received. When I called sometime earlier this year ; was told that XXXX ; which is also " Michael Andrews and Associates ''. This company is not willing to work with me ; they have filed a lawsuit against me for almost {$13000.00} ; which is more tan what is owed. Now, they keep checking my credit for no reason. When I called and asked them the reason ; they say they purchased the loan,, and can check my credit as many times as they want. I think this is a violation of my rights ; I never signed anything with this company,, and I have asked them to refrain from checking my credit ; they are causing unnecessary hard inquires.