WillisBack/dataset-financial-user-claim huggingface dataset:
Getting repeated/frequent calls from XXXX number. Finally answered today. A lady stating she was from RCS in XXXX Ohio asked if I was " my name '' and I told her yes. Then she wanted me to verify my address and wanted to verify my date of birth. All she would tell me is she was from RCS in XXXX. Kept pressuring me for the information. I told her I don't give out personal info on phone to strangers. She kept insisting and wouldn't tell me what it was concerning. I told her to try someone else and hung up. I searched RCS in XXXX and found a Regional Collection Services in XXXX Ohio. Since I am not past due on anything I owe I am not concerned and thought I should submit this. Thank you.
I have disputed with Experian already and still they do not have the correct social on file, I even gave them a copy of my card. Please help, there are also items listed that I have never seen before I am thinking they are attached to this social. Please help the social they have on file XXXX which this is not my last XXXX.
I received a letter from Ditech Financial LLC on approximately  XXXX   XXXX ,  2017 st ating that my mortgage payment due  XX/XX/2017    was not received . ( My mont hly payment was {$1300.00} but increased to {$1300.00} due to an increase in the impound account. ) The letter stated a total amount due of {$89.00} including late fees of {$46.00}. The amount past due was {$43.00}. The letter then stated that I could seek assistance or guidance from HUD a list of approved counseling agencies can be found at HUD.gov.     The letter then stated that I could make a payment online, visi t Ditech online  or call. The letter then stated " This communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose ''. Very intimidating verbiage.     NOTE : the past due amount of {$43.00} was due to an increase in the monthly payment due to an increase in taxes assessed and being paid through an impound account. The deficiency was simply due to my failure to increase the automatic monthly payment by the increase amount. I simply forgot.     I contacted the company to question the 100 % + late charge and was informed that the charges are based on the whole payment, even thou gh Ditech recei ved and processed {$1300.00} on  XXXX  -17. My   payments are set up for monthly automatic deduction from my checking account. Upon my discovery, this date, I paid via automatic payment  to Ditech the {$4 3.00}, which they will receive tomorrow  (   X/XX/17     ).      The customer service representative took my information and stated that she would have someone return my call.
I had an account with Conns home appliance Inc. they charged the debt off and closed the account I their system. They have continued to report it to my credit as an open account t and have violated the fair debt collection practices act by attempting to get me to pay a charged off account as well as stated no matter what they law is, the collections will not stop. They also said the government will not do anything about it so I should just get over it.
I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX    XXXX   XXXX   #  XXXX  Never  don  business with this company error please delete.    XXXX   XXXX   XXXX  #  XXXX  This was discharged in Bankruptcy and is listed wrong please delete.    XXXX   XXXX  #  XXXX  This account was paid and is listed wrong error please delete.    XXXX  #  XXXX  This account was  discharged  in Bankruptcy error please delete.    XXXX   XXXX  BANK #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    XXXX   XXXX   XXXX   XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    XXXX   XXXX  #  XXXX  This account was never verified please delete.
I asked Experian to correct my name. They refuse to. I asked them to verify XXXX XXXX XXXX and/or remove them. They refused to. I tried to verify it myself and USPS sent it back unable to deliver, unable to foraward. I asked them to remove bankruptcies that were filed but never finished due to bad legal advice and they refuse. I asked XXXX to and they researched it and removed it.
Complaint : Transparency and being misled for profit. At the end XX/XX/XXXX I went to finalize my lease with XXXX of XXXX. This is my 2nd auto purchased from them in 2 months so I figured they would have all the numbers that we spoke about be the way they were supposed to be in finance. I told them {$500.00} down max and everything else rolled into to lease. This was told to them multiple times to make sure they were on the same page.XXXX the finance mgr came out and said we got everything handled. He never mentioned anything about extra cost out of pocket. When I got into finance with XXXX she informed me that I had to pay an extra XXXX out of pocket. I told her I was never told this and she said pay the XXXX today and I will roll the extra amount which is {$790.00} to the back of the loan. I was annoyed but said ok. Long story short I set up auto pay and as usual trusted that since she did n't tell me about anymore charges I could just sign and go. I XXXX signed the rest of the docs which is how I did my last purchase with them with no surprises. They had placed a promise to pay note for XXXX for XX/XX/XXXX without ever running it by me first. I was not informed and I would n't not have leased the vehicle if I did know. You ca n't by misleading to customers
I have asked NAVIENT via the required forms to release my father as a cosigner. NAVIENT insists that they never receive my US Postal mail, even though I have certified it and have proof that they have indeed received it. This game has gone for over a year.
we received a letter from Huntington National Bank dated XX/XX/XXXX stating our boat installment loan had been paid in full on XX/XX/XXXX. To this day, XX/XX/XXXX, Huntington bank has yet to release the title to the Department of Motor Vehicles ( DMV ). My husband attempts to contact the bank on a daily basis to check on the progress however the customer service is horrendous and often the 'hold ' times exceed what he is allowed during his work hours. He has tried numerous times to allow myself to speak with a representative, which they have declined. He has been given inconsistent information as to when and even if the title has been released. As of this past Friday, a representative failed to 'verify ' my husband and would not even give him information and ended the call. He has but put on hold after requesting not to be put on hold, he has been transferred and hung up on going on months now. The buyers of the boat are considering legal action against us as they yet to have the title.
Rushmore was repaid in late XX/XX/XXXX for past due amounts totally {$18000.00}. This repayment included CORPORATE ADVANCES for {$5700.00}. Foreclosure fees of {$410.00}. 
I made my first payment to them in XX/XX/XXXX for XXXX and ask for update payoff in which I received. 
My update payoff included another CORPORATE ADVANCE fee of {$750.00}. 

I am XXXX years old and have this property listed with my realtor in which I DEMAND Rushmore refund me ALL CORPORATE advances due to DODD FRANK rules and REMOVE the XXXX current charge on my payoff.
I have disputed XXXX several times. I provided Equifax and XXXX with proof that the company did not provide any proof I owe the debt. They continue to come saying it belongs to me with no proof.
I have XXXX XXXX XXXX XXXX along with other serious illnesses. In XXXX of XXXX I payed Franklin American my mortgage payment. I feel behind 6 months and was denied XXXX stating I could do other work which was disputed by all my physicians. I did advise Franklin American I would catch my payments up with my tax return which I did. Then they modified my payment to {$5.00} a month for twelve months. Around the 10th month in I had to fill out paper work for an extension as in all the times I sent this paperwork in they kept misplacing documents. I asked for a 1-6 months extension because with my attorney and Honorable Congressman XXXX XXXX I was given a on the record Fully Favorable decision from the XXXX in XXXX. I sent in the letter and all other documents, which the XXXX letter stating I was approved for both XXXX and SSI back dated to when I appliedXX/XX/XXXX. I told Franklin American I would pay all money owed them when I received my back pay. I called the loan work out department who said I was missing documents again and that my home was being foreclosed XX/XX/XXXX. I contacted the attorney who said a date was n't set but I just received paperwork saying if I do not pay {$130000.00} my home would be sold. Now I have to hire an attorney costing me more money that I need to give back to mother who I owe for my daily living expenses. I have received phone call after phone call from a automated number from this company this has put me under further stress and XXXX. If you check my payments up until my XXXX when I had an income I was paying my mortgage on time and more often early.
I have been unable to update/view my credit report online with Equifax, I pay a monthly subscription for their service and have been unable to view/update my report since XX/XX/XXXX. The following error message is received, Eval Code : - Status Code : XXXX, Reason Code : XXXX. I spoke to several reps, they said it was a technical issue and would be fixed but it is now been three days and still unresolved.
Sears allows there automated attendant to call your phone excessively even when you have them note the account that your going to make your payment on a specific date because your loved one is in the hospital with XXXX and you need that money to go back and forth to the hospital. To date my loved one with XXXX passed away and Sears still kept calling insisting on a payment. Today is Sunday and my family and I were in church and I had to leave the building so that this company could menace me once more. I explained the above mentioned and was told that the reason they keep calling is because they can not get in touch with me. Newsflash, I spoke with Sears on XXXX XXXX and told them when I had a chance I would get back to them. It is unfortunate that a death and a holiday kept me from calling them. They forgot that XXXX was upon us and that my family and I were grieving. I 've asked them to note the account not to call on a Holiday or on a XXXX but I can not be sure that this will happen. Most importantly this situation of debt collection is not my fault that Sears messed up on taking the payment since my receipt and on line statement indicate that payment was received.
I owed {$14000.00} back in XXXX since I didn't get resonable payment option. My loans have been placed on forbearance knowing it's going to benefit them. Now in XXXX I'm in {$30000.00} debt due outrageous interest on the principal. They refuse to give income based payment. I was told I'm not qualified for the program. They refused to reduce the monthly bill. I can't afford it meanwhile I still owed {$15000.00} school fees currently pending. I need a full detail of why my original loans double. Please investigate on my behalf. I'm drowning in the educational debt but I didn't graduate yet because my current wouldn't let me register unless I pay the tuition in full. Please help me
To whom it may concern, This concerns Dyck O'Neal collection agency. 
In XXXX of 2015 I was told by phone that I was past due on an account. 
I had become late on monthly payments of {$77.00} to the XXXX XXXX Mortgage XXXX. My past due amount was appx {$2400.00} according to Dyck O'Neal in XXXX of 2015. 
On XXXX XXXX I made a {$250.00} payment online. 
The XXXX statement reflected that payment and stated I owed {$2400.00} ( past due ) plus {$230.00} in late fees for a total of {$2600.00}. 
On XXXX XXXX, 2015 I called Dyck O'Neal to make a payment to be current. I was told on the phone that to become current I had to make a payment of {$1700.00}. I asked several times if this was correct and I was told several times this would bring me current. I made the payment over the phone for {$1700.00}. 
The XXXX statement reflected this payment but nothing was applied to late fees. The amount owed was shown as {$690.00} plus {$240.00} in late fees for a total of {$940.00}. 
( {$77.00} was added to each statement as that was what the monthly payment is suppose to be. ) On XXXX XXXX I phoned Dyck O'Neal and asked how much did I owe to become current. The woman stated {$950.00}. I again asked several times, " will this bring me current ''. Several times she said " yes ''. I made the payment for {$950.00}. 
The XXXX statement came and it shows that only {$21.00} has been applied to late fees. It states I owe {$77.00} plus {$230.00} in late fees for a total of {$310.00}. 
Since the XXXX statement which showed that I owed {$2600.00} ( I do not dispute this amount ) I have paid Dyck O'Neal {$2700.00}. They are still asking that I pay {$230.00} late fees. XXXX they have told me on the phone that I am " current ''.
On XX/XX/XXXX XXXX XXXX Clerk Of the Superior Court By : XXXX XXXX Endorsed Filed. However ; Superior Court of California County of XXXX XXXX XXXX of Justice Case No. : XXXX Stipulation For Judgement. The parties stipulate that judgement will be entered in favor of Plaintiff, GCFS , Inc. a California corporation, and against Defendant myself, in the sum of {$6000.00} principal, {$3100.00} interest, {$1400.00} attorney fees and {$480.00} costs of suit, for a total of {$11000.00}. Dated : XX/XX/XXXX sign off by XXXX XXXX, XXXX, GCFS, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX..Dated XX/XX/XXXX I signed off and Dated : XX/XX/XXXX XXXX XXXX XXXX , Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX signed off. A lean was placed on my property for the same amount of {$11000.00}. My agreement was to pay {$120.00} per month to GCFS until paid in full. 

When the case was settled I received a telephone call from XXXX XXXX Account Representative who told me that I must pay immediately {$1400.00}. I gave Mr. XXXX my debit card and funds were collected. However ; now I am told this funds can not be located, nor seem to be recorded. 

Now here it is XX/XX/XXXX I am still paying on this judgement? I have called and requested why am I still paying on this judgement of {$11000.00}? I was then sent a letter dated XXXXXX/XX/XXXX with Case No : XXXX showing I have paid a total of {$13000.00}. However : GCFS has added a accrued Post judgement amount of {$3400.00} plus another accrued post judgement cost of {$50.00}. 

I am so confused, first I need to no what happen to my first immediate payment of {$1400.00} that I made to Mr. XXXX. Then I need to no, why are the accrued Post judgement fees attached that were never signed off by XXXX XXXX Courts nor myself attached to this judgement? Plus this judgement term has also been officially met by XXXX XXXX Courts. Something is very wrong here? My account has missing payments, and missing immediate funds payment. We are asking for your help! This account should already be closed, plus lean removed from my property. Also, a refund for over payment on my part. Please assist, as you can see we need help!
Wells Fargo purposely turned off my auto payment. This resulted in them charging me fees and reporting to the credit organizations. I did not make this change, the Wells Fargo banker did.
On XXXX I contacted my bank regarding a fraudulent charge on my credit card. Then as my XXXX was going through my past statements we came across another fraudulent charge which I reported today XXXX My bank is XXXX XXXX Bank I contacted them at XXXX Because of some health issues and a hearing problem I asked my XXXX to be on the call to help me. The first person we spoke to at the bank was exceptionally rude to us, stating that he would not speak with my accountant even though I gave my permission to do so. I asked to speak to a supervisor and was put on hold for 25 minutes at which point I hung up. We called back immediately and this time the person asked for my permission for my XXXX to be allowed to take part in the call, I said yes and everything proceeded, why did the first person apparently lie to me in this regard and put me on hold for all of that time. I reported that I had XXXX fraudulent charges of {$3500.00} and {$2000.00} The lady I spoke to in the fraud department was about as helpful as the first gentleman and just as XXXX. She said she would file the fraud charges and maybe I would get my money back or maybe not. What the XXXX does that mean? I never authorized or took part in those charges in any way and explained that fact to her. My XXXX said that I have a XXXX liability when it concerns identity theft and or fraudulent charges, which these are. I will be changing banks next week without question.
I sent TransUnion a letter on XX/XX/XXXX asking them to remove my PAID AND RELEASED FEDERAL TAX LIEN FROM MY TRANSUNION credit report. I received a response dated XX/XX/XXXX with results Verified as accurate. I did not dispute the paid and release was not mine. I ask that the information be removed as it is over the 7 years date. 

Per the information on the TransUnion web site and I QUOTE A tax lien can be one of the worst items to appear on your credit report. Its considered very negative and can cause your credit scores to drop significantly. Even worse, under federal law, unpaid tax liens can remain on credit reports indefinitely, though in practice credit bureaus may remove them after a decade or so. ( Once paid and released, a tax lien must be removed seven years from the date it was filed. ) My Federal tax lien was paid and released. I also sent the proof of this information to TransUnion and they have failed to correct my credit report.
This is in response to CFPB complaint # : XXXX, that was closed because EXPERIAN said that they " VERIFIED ". <P/>CFPB said that EXPERIAN responded and verified that the disputed information was accurate as reported?. The result summaries were sent to you for review on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX? <P/>THIS IS INCORRECT. THEY FAILED TO SEND ME PROOF OF VERIFICATION FOR EACH ITEM IN DISPUTE. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Experian are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed within 30 days of receipt of letter then EXPERIAN must remove these accounts from my credit report. <P/>Only that I requested to EXPERIAN is that send to me proof of verification on items in dispute, and they failed in 9 certified mail letters that I send to them. I have copy of each letters. <P/>The LAW is clear, all unverified accounts must be promptly deleted.
Hello! My name is XXXX XXXX. On XX/XX/2018, because of a misunderstanding and non-professionalism of an employee at XXXX XXXX store in XXXX, XXXX XXXX XXXX, an unauthorized credit check was conducted on my report. Immediately after that happened, I contacted XXXX XXXX and XXXX XXXX, as well as I, opened two disputes at Equifax ( First : XXXX, Second : XXXX, there were even third and fourth ... ).

Later, on XX/XX/2018, after a proper investigation conducted by XXXX XXXX specialists, THE BANK HAS AGREED THAT IT WAS A MISTAKE and the bank has AGREED TO REMOVE that credit query from my history ( to change the status of it from hard inquiry to a soft inquiry ). They are supposed to contact Equifax with all information. In addition, they already sent 3 letters to me confirming this decision ( Letter from XX/XX/XXXX, Letter from XX/XX/XXXX, Letter from XX/XX/XXXX ). The bank specialist told me that it could take up to 6 weeks for a credit check to be removed from my history. I waited more then a months after each letter. I do monitor my credit history regularly, and surprisingly the hard check is still in my account. I even requested 2 copies of my annual credit report from Equifax.

Very upset about that situation and I feel like there is no other way like contact you and ask for a help. This inquiry reflected only in Equifax account. Other reporting agencies already removed everything, pretty quickly. Equifax claims that XXXX didn't send them any request about this change. However, XXXX   and XXXX received everything and removed wrong information.

Thank you. I hope you would be able to help me.
XXXX REFUSE TO TAKE INFORMATION THAT DOESNT BELONG TO ME OFF MY CREDIT REPORT I HAVE SENT PROOF OF MY CURRENT ADRESS AND CURRENT MAIL PROOF OF DRIVERS LICENSE
Requested assistance on a modification for Making Homes Affordable program due to foreclosure sale date XXXX/XXXX/2016, denied stating documents were not received 15 days prior to sale date, when complete package was submitted to lender same day as third party authorization which was XXXX XXXX, 2016 ( 20 days prior to sale date ), spoke to rep on XXXX XXXX stated on TPA on file. informed rep how do they only upload XXXX document out of many, Sale date approaching fast, rep informed me if complete package send again. Re faxed modification documents again on XXXX/XXXX/2016, rep stated on documents uploaded to Mortgagors system on XX/XX/XXXX, it took 5 days to upload documents submitted for modification. Informed rep that is not acceptable and can not fault client when it was there systems that delayed the process as originally was sent on the XXXX/XXXX/2016
I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.