WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed an account that is reporting incorrect information on my transunion credit report. The information is still incorrect. First off my available credit line is not {$600.00} it is {$1000.00}. My second issue is the account is reporting maximum delinquency was 30 days in the year XX/XX/2017. That is also incorrect this account was never paid late. I disputed it with XXXX  credit reporting agency and after they investigated it it shows the account was never paid late and reporting as a positive account. If transunion did a full investigation they would have received the same response from XXXX XXXX XXXX. Yes it shows paid as agreed but the account should be as accounts in good standing. As of right now it is still showing under potentially negative account. Having this incorrect information is affecting my credit score.
I sold my XXXX $ worth of bitcoin back into my bank account, but never gotten the money ever. Even though, the page says ''completed '' I check my bank account and no transaction went through.
I applied for a loan online. I had used this compan y two years prior,  and I had not realized I had old bank information on the account, so the loan of {$250.00} was sent to a closed account. I realized what happened the next day when the funds were not deposited to my current bank account. I contacted CashNetUSA immediately, and I was told not to worry, the receiving bank would reject the funds, they would get it back, and that loan would be considered null, since I couldn't/did n't receive the funds, and if I wanted the loan still, I would need to apply again after they received the funds back, and I supplied updated bank information. However, the funds were never credited back to my account. I emailed t he payday loan company again, and I was told they never received the money back, so I needed to contact my former bank. I did so, and I spoke with a woman at   XXXX   XXXX   who investigated and told me the funds did attempt to deposit in my old account, but were rejected immediately back to CashNetUSA (   XXXX   XXXX  ). I then emailed this information to CashNetUSA, giving the banker 's name and phone number to verify this. This has been now going on for three weeks, where I continue to receive collection emails, and I continue to answer with the same information. The response I get is that the collections will continue until I pay the money back, ignoring completely that I never received the money, that     XXXX   XXXX   has verified they rejected it back to  CashNetUSA, and apparently CashNetUSA has no intention of tracking down what they did with the funds rejected back to them, but continue to add interest and continue collections.
Portfolio Recovery stated that i owe them {$620.00} for a XXXX XXXX card ending in XXXX, but on their verification letter the amount is {$620.00}, These amounts are different, and since they record their phone calls i would like them to share the conversation i had with them on XXXX/XXXX/15 at XXXX ( XXXX XXXX XXXX ) stating i owe {$620.00}, and how I have a letter from them stating i owe {$620.00}. I find this to be unlawful for them to collect the wrong amount. I demand that since their unlawful practices trying to collect more money than i actually owe that their reporting to all XXXX credit bureaus cease immediately. And any mention of Portfolio Recovery and Associates be removed from all XXXX credit bureaus.
On XX/XX/2017 XXXX did n't verify me by the last XXXX of my SSN. He did n't provide the mailing address of the creditor when I asked. He said he did n't have it. I asked if this was on my credit and he said he did n't know. He told me I did n't have to mail a dispute letter since I disputed the debt verbally over the phone. 
On XX/XX/XXXX XXXX did n't verify my last XXXX of my SSN. She told that it was n't a requirement. She told me that my account status is not in dispute because I did n't mail a letter stating I was disputing the debt. I told her that the previous rep told me that it was n't necessary. She said she was n't able to provide the address to the creditor.
On XXXX/XXXX/16 I received a collection notice from Credit Protection Association L.P. for {$400.00} service balance due to XXXX There is an additional collection fee of {$100.00} that is added on to the service balance. This is more than 25 % of the original balance and extremely high! I have not signed any contracts agreeing to pay for collection fees. The notice says to remit payment to XXXX XXXX even though the collection notice came from the collection agency. Why am I being billed for an additional {$100.00} collection fee if I 'm supposed to pay XXXX XXXX? A month later I received another bill from XXXX XXXX. So now I am confused as to who actually is the current creditor. The original notice also stated that the account would be reported to credit bureaus by XXXX/XXXX/16. On XXXX/XXXX/16, I received another notice stating it would be reported XXXX/XXXX/16. The inconsistent information that I 'm receiving from the creditor and collection agency leads me to believe that they are trying to defraud me.
I sent a payment for {$40.00} to Discover. They ran my check as {$740.00} on XXXX. I talked to them on XXXX and was told that it was an automated error. They pulled my check and said that it was clearly written for {$40.00} and they did not know why the automated system read it as {$740.00}. The amount caused my bank acct. to be overdrawn and I had no access to my money. I was told by Discover that it is an automated process and the system could not be over-ridden. And that their system would try to post my check a total of XXXX times before being kicked back. They were able to credit the money back to my bank on XXXX. I thought everything was taken care of, then Discover tried to post the check for the same amount again on XXXX. My bank acct. was again over drawn and I had no access to my money over the weekend. I called Discover again on XXXX and explained the issue again. I was told that my acct. would be credited again on Monday XXXX. It was not ; so I called again and was told that it would take up to 15 days to resolve the issue while they do an investigation. Meanwhile, I can not access any money in my bank account because of Discover 's error. I can not withdraw cash! I can not use my debit card to buy gas or groceries! I can not pay other bills because the checks will bounce since Discover has essentially locked up my bank acct. and I 'll end up paying either late fees or returned check fee. There is absolutely no excuse for this and their should be some way Discover could go in and manually override their system when they make an error such as this regardless if it is automated or not. At the time of this writing I still have no access to the money in my bank acct. because it is shown overdrawn because of Discover 's error and not rectifying the situation in a timely manner. And I have no idea when I will be able to access the money in my bank acct because of this.
I am disputing the balance of XXXX on my XXXX credit card acct. Balance is very high and I have found multiple errors on my last billing statement alone, to be very concerned about the handling of my acct, to date. I have sent in overpayments on purchases too and no one seems to " know '' where money went. 
XXXX XXXX XXXX creadit card .... REFUSES to address my overcharges of items and added postage on my XXXX charge account. Company continues to give the EXCUSE " we can not see what original charges and they WILL NOT send me a representative name and a fax number, so I CAN SENT THEM A COPY of my account history, to review charges for errors on my acct. It is very clear that there has been mismanagement of my account over months now. 
I am disputing the account balance with XXXX customer ser. and bank, both companies are not working with me to address my over charges and both companies have been reported to the Better Business Bureau. 
** I am still waiting for a final response from Better Business Bureau Florida on XXXX customer service with their companies final response as to what they are willing to do to help me resolve this issue. 
** '' I just want to pay this card off and get these companies out if my life. I however will not continue to pay in an acct, that I am getting over charges on. 
***history OF ATTEMPTS to resolve attached.
In XXXX of 2016, I fell 2 weeks Behind on my auto payment Of just over $ XXXX.Gateway One Begin calling me Relentlessly everyday Sometimes starting as early as XXXX.I informed the rep not to call before XXXX which they agreed to.In XXXX They started calling again At XXXX And XXXX.. I spoke with a manager who apologized And said it would not happen again.Now in XXXX The XXXX. calls Have started all over again For the third consecutive month.They have called me and no less than 10 times today, Sometimes Three calls within one minute.I answered the phone and ask to speak with a manager immediately But was told To call back if I wanted to speak with a manager and they hung up on me.My phone rings from XXXXTo XXXX.7 days a week From Gateway One XXXX.This starts after 7 days And continues until the payment is made. I have not had a 30-day late payment as of yet.
These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XX/XX/XXXX when some of these were done. XXXX XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I attempted to get a modification from XXXX when my husband was XXXX and our income reduced to XXXX person working. XXXX XXXX XXXX could not figure out who our investor was. They claimed we had XXXX investors ; XXXX XXXX and XXXX XXXX XXXX, then changed it to XXXX on behalf of XXXX XXXX XXXX. They filed foreclosure proceeding with the XXXX XXXX court, and it was denied. 
After 4/12 years of sending in the same documents our mortgage was sold to Select Portfolio Servicing. The document requests started all over. Another foreclosure was filed with the court ; I appeared and presented evidence of deceptive lending by XXXX Mortgage my original lender, and XXXX XXXX XXXX inability to resolve the issue in 4/12 years. The judge instructed Select XXXX Protofolio 's lawyer speak with me get copies of the evidence I entered and make a decision within 30 days before she make XXXX for both parties. 
We received a trial payment period from XXXX XXXX 2016. All XXXX payments were made on time as agreed. 
My XXXX concerns are the modification payment is not reflecting on my credit report. Any type of payment a creditor receives from a consumer must be reported. Select Portfolio Servicing is telling me because the payments were trial payments they do not have to report it as payments, and I strongly dislike that policy and need your advice. 

The second concern I have is with the balloon payment we got for our modification and had less than 30 days to have a lawyer read it and advise us on it. This is how we got in trouble with XXXX Mortgage in the first place harassing us to refinance two years after we had just refinance our home with them. 
I do not trust the entire process and would like for someone to please review our case. 
Select Portfolio Servicing Property Owner : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Texas Account # XXXX My contact number is XXXX
contacted collection agency advised that I never had an account and the didnt do anything. also disputed with  XXXX  with no results. this account is not mine. asked for validation that I opened the account.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.
I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft. 
Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!
On XXXX XXXX, XXXX I received a email that XXXX XXXX was the collection Company that received the case from mypaydayloans.com. For a total of {$770.00}. I agreed for a settlement of {$510.00}. to be paid in four payments as follows ; XXXX/XXXX/XXXX {$75.00} XXXX {$140.00} XXXX {$140.00} XXXX {$140.00} For a total of {$510.00} After I received this email I was told by Agent XXXX XXXX that a processing fee of {$10.00} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the Company Lawyer Signature on one page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put {$75.00} payment as agreed for XXXX XXXX that same day about XXXX XXXX est XXXX called my brother and harass him about my {$85.00} payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they accepted and made a withdrawal of {$75.00}.  I requested a copy of my new balance with should be {$430.00} that was not send to me via email. If I do not reveive my new balance of {$430.00}, I think this is a fraudulent transaction made by XXXX XXXX XXXX also requested that they contact me via US Postal Services , no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.
Good Morning, Back in XX/XX/XXXX, I applied for a loan Modification through American Servicing Company whom was a 3rd party to Wells Fargo and was approved, However in XX/XX/XXXX I sustained a life changing injury and while dealing with this situation it appears as though WELLS FARGO submitted a debt of cancellation to the IRS, in the amount of XXXX as this appears to be income on my end. Well due to various things going on in my life, I finally contacted Wells Fargo around XX/XX/XXXX and spoke with a Customer Service Manager name XXXX /XXXX in their California XXXXXXXXXXXX in regarding this situation. .I explained that this matter needs some kind of correspondence no later than XXXX XXXX, then the called my number on XXXX XXXX but did not leave a message, So when I returned their call the XXXX XXXX ext XXXX that they assigned this issue to was not available as a matter of fact I still have not spoken to the representative assign to this issue or his manager. It is now XX/XX/XXXX and not only have I not received any correspondence from anyone @ WELLS FARGO, But when calling XXXX and I spoke with another representative, whom attempted to tell me that XXXX XXXX had called my number on XX/XX/XXXX @ XXXX but chose not to leave a message stating that there was no voicemail on my number. Which I knew was an incorrect statement. And to add more salt to the injury, When I called XXXX they could not even locate my previous loan # in their system anymore. I am very upset about this situation due because I really feel that Wells Fargo is doing this deliberately to make my life hard.I say this because back in XX/XX/XXXX I purchased a XXXX XXXX and in the middle of my loan some how Wells Fargo was able to purchase my loan just as they did my mortgage and it was a totally nightmare. After paying them double the amount that I initially purchase the vehicle for they attempted to tell me that I still owed them an additional {$5000.00} and when I declined to give them anymore money then they refused to provide me my pink slip after collecting double the amount of the vehicle. And now they want to report an illegal amount to the IRS for a loan modification and I really feel that this is retaliation because they were not able to extort any additional funds from me in reference to the vehicle that I purchased back in XX/XX/XXXX. I want this major issue resolved through the IRS as well I am requesting assistance with obtaining my title as well for the vehicle that I purchase back in XX/XX/XXXX because I have nothing but problems with WELLS FARGO for EVERY TIME they placed their name on any loan that I have obtained. 
Sincerely, XXXX XXXX
I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made I can not make a principal only payment.
Yes, several time disputed. 
Creditor have continuosly by error placing my account last two payments delincuent. Payment was delivered on time at creditor drop box. 
Lender start to call about payment, i have visited their facilities and lender agreed their responsability with payment have lost at their facility at their drop box and asked to replace lost payment. 
Payment was never late.
Each year the XXXX and the law firm who is representing them harrassed me and file diffrent claim against my bank account, by phone call and last week by the involuntary lien which they put on my property. 
On XXXX XXXX. XXXX, I received a letter from The Moore Law Group, a professional Corporation who represent XXXX about payment agreement to make a {$25.00} monthly for XXXX payments by XXXX of each month every month. They sent me a contract to sign and Since then I have been paid the due amount on time, each month without even one day late. The XXXX and their representative never on XXXX served me or notified me, that involuntary lien were put on my house. About two days ago I received a letter from Registrar-Recorder/County Clerk, to notify me notice of involuntary lien which was renwed again against my house. What the XXXX and their firm did is a fraud, they never told me that the lien was put on my house in XXXX when they asked me to make monthly payment, they never told me that they will renew the lien.If I am making payments, why withourt my knowledge they have to go to the court and renew the lien.
Earlier this year my mortgage company sent me a notice saying that they had under charged me last year  ( 2016 ) for my escrow in the amount of {$2400.00}. So they gave me a 30 day notice saying that my mortgage was going to increase {$300.00} for 12 months until I paid the full amount of {$2400.00}. I called them last week to ask why I am responsible for that amount they said it was an oversight on their part. I told them I could not afford to pay that amount as it is more than what I make. They said they would reconsider lo wering the payment if I made a full payment of {$2400.00}. Needless to say I have have been struggling to maintain payments ever sense through no fault of my own and they have refused to assist due to their negligence and shoddy loan servicing practices
Warner Asset Location Services at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe XXXX XXXX. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.
On XXXX XXXX 2017 I had to take my wife XXXX XXXX to the XXXX XXXX XXXX XXXX emergency room in XXXX XXXX Texas for extreme pain in her side ( XXXX XXXX ). We presented our XXXX from XXXX XXXX card which would have covered in network or out of network emergency room visits. Their explanation of benefits clearly say no charges after deductible in or out of network, which was met. It also says limitations and exceptions none. Available at XXXX XXXX XXXX XXXX. 
I have received a bill from the hospital for {$5700.00} which has been sent to collections because the health insurance did not want to pay the hospital the total amount. I have called the hospital and they said they cant do anything because XXXX does not want to pay the bill which in their benefits it says no limitations or exceptions after deductible. This is not the first and only bill my wife and I have been responsible for but it is the biggest one. There are others that were supposedly covered but XXXXXXXX XXXX will do anything to get out of paying. I have called them a several times times but they are very rude and say that its my problem because I was out of network ( again refer to explanation of benefits )
Medical billing service XXXX or laboratory entered wrong insurance identification number on insurance claim form when submitting claim. Insurer denied the claim and informed me I was not liable for amount ( {$500.00} ). Billing service waited too long to file an appeal and began sending me notices. I contacted billing service and explained situation. Also, arranged conference call with insurance company and billing service. Insurer informed billing service I was not responsible. Billing service turned debt over to collection agency. In XXXX 2015, collection agency reported debt to credit report companies XXXX, XXXX and XXXX without stating that debt was disputed and without contacting or informing me. I sent collection agency letters and proof from insurer that I was not liable.Collection agency stopped billing me. I just found out that the debt appears on my credit report and has affected my credit.
I 've opened the account/card with the 0 % interest and no annual fee as long as I 'm serving on XXXX XXXX. Now I 'm told I 'll need to pay the {$1000.00} annual fee. This feels like a bait and switch. This will cost me transfer fees to get the balance moved and the card closed.
Repeated calls ( several every day ). I filed an earlier complaint but nothing was done. 

I have no debtsIs this complaint process of any use???????
Hello, I am a victim of identity theft and would like to request assistance with resolving this issue. I have recently applied for a credit card at a credit union. The bank declined my application and stated there is fraudulent activity processed under my name. On a few occasions my social security card and ID have been lost and I am certain that may have caused my identity to be stolen. Shortly after, I was incarcerated and did not have the chance to report the stolen identification cards. I have provided all my information below for your review and awaiting guidance to help fix my identity/credit background. 




Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX Phone number : ( XXXX ) XXXX DOB : XX/XX/XXXX Texas Identification # : XXXX Social Security # : XXXX XXXX XXXX XXXX XXXX account # : XXXX Consumer report for XXXX Reference # : XXXX Thank you, XXXX XXXX