WillisBack/dataset-financial-user-claim huggingface dataset:
I have held a Sears Mastercard for several years. I have not used the card recently because the terms of the card are not competitive. The card was recently up for renewal, and Sears sent me a new card. When I log on to the web site I receive XXXX messages -- the first says I was sent a new card and need to activate the card. When I activate the card, I am told the card has already been activated. The XXXX message on the web site says my account has been closed. 

I sent a message to Sears via their web site requesting status, and was told my account has been closed. I have not been notified to that effect via any method such as a written mail notice.
Hi, in XXXX of XXXX, I was looking to sell my house and purchase a new one. My loan officer said that I was behind on my mortgage payments on my second lien. I told her I did not have a second lien because I had refinanced my loans in years prior. I had not received a bill or even a phone call on the second lien since XXXX of XXXX ( around when I had refinanced ). I contacted Ocwen and they told me that I did still have a second lien and that they were sorry that I had not been contacted in 2 years and that they did not know why I had not been. The guy told me not to worry he was going to offer me a deal and that I could pay XXXX dollars and be cleared of my second lien. He said it was a new thing they could do after the housing crisis. I repeatedly asked him, " what 's the catch? '' He reassured me that there was no catch and that everything was going to be ok but I had to move fast before the offer expired. I sent the money and signed a notice that made no mention of this being a short sale. I thought a short sale was when the house was being sold. The letter did mention that I would have to claim it on my income tax and I did. Well, this was XXXX of XXXX. We sold the house in XXXX XXXX. I thought everything was fine and my husband and I decided to wait to buy a house. This summer we started the process of buying a house and that is when I found out that Ocwen was reporting this to the credit bureau which was showing it as a charge off ( short sale ). Now we can not buy a house until XXXX or XXXX. I had absolutely no idea that this is what the agreement meant. I feel like they were deceptive in their practices. In fact, they have been issued a judgement against them for similar issues. I asked the man several times if there was a catch and he kept saying no. The letter I signed did n't say anything about a short sale or that it would impact my credit like that. We made more than enough on the house to cover that second lien and I would never have agreed to these terms if they were explained in that way. I would have just paid it in full. I also do not understand how a mortgage company can stop sending bills in XXXX and never call or let me know I was behind. This company would call if you were paying on the XXXX of the month so when I did not receive any bills or phone calls, I figured that the loans were consolidated in my refinance. I do not think it is fair or non deceptive to tell a client that they only have to pay a certain amount and not inform them of the credit repercussions. I had no idea. I as the consumer depend on the lender to be open and forthcoming because they do this everyday. This is my first house and I just trusted them. This house was paid for under the terms they offered me and was sold free and clear so there was no way that I would know that a year later, I would be facing this problem of not being able to buy a home.
I have been a XXXX customer for almost 2 years now and they are not reporting my payments as required. My report on Experian is displaying ND which means no data. 
I am requesting that they update my Experian report to show OK on my report.
There is an account on my credit report listed as a COLLECTION account with this company. I do not know anything about this account and it is NOT my account. I have requested a copy of any and all contracts that they have possession of in order to dispute the documentation. This is IDENTITY THEFT and FRAUD. I have NO CONTRACT with this company.
We filed a complaint about JP Morgan Chase Bank handling of our account and foreclosing on our property when we had a written offer for a short sale for {$15000.00} more than what the property foreclosed on. They responded claiming we were not approved for a short sale which we have documentation that we were. They also stated that our offer was missing the short sale addendum which it was not
I explained to the person who answered that I have no nor have I ever had any business with XXXX XXXX XXXX. After that the calls increased in frequency, several per day at this point.
I've ask JP morgan bank to not pay anyone from my saving account nor transfer monies from saving to checking and if there's no money don't pay, Chase also will make multiple payments to the same people three time in the same day.B was I at a store making a purchase than they cut off my card while I'm in the store making a purchase. 
a copy of unjust fees charge to my saving account for fees pertaining to my checking. ( unjust fees ) If this is the case than you need to go backward from todays date and remove all overdraft fees you charged me cause you can just take from the saving and apply to checking such as you did in this case.You have proven to me that you used my saving account to to pay for something pertaining to my checking account ( I don't have overdraft protection on either account ). I did not request all theses copies. Look how many times you have charged me. I was not aware that I could overdraft my saving account for over {$600.00} when I can't overdraft my checking account for XXXX XXXX. Since when does any bank allow an overdraft on any account for over {$600.00} dollars. The last Bank I was with they would call me or email me that there is a problem.You will pay monies out to the same firm for the same reason 3 time in one day without alerting me or questioning me about it .You cut off my card while I was in a store with monies in the account and say to me, It sounded an alert. 

And here 's a copy of the many times they have charge me
I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for XXXX the date of the inquiry states XX/XX/XXXX and the institution 's information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states XXXX XXXX. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is XXXX XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is XXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is XXXX XXXX, XXXX XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, XXXX  XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, XXXX  XXXX and the phone number is ( XXXX ) XXXX.
In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score.  I then called the three Credit bureaus, XXXX, XXXX, and Experian to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX  XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.
It has become overly apparent, how poorly TransUnion is conducting any type of investigation at this point. I filed a fraud alert on my account in conjunction with the inquiries on my account. TransUnion still has failed to validate these inquiries under section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. You will not accept  XXXX  finds but yet have FAILED to provide adequate findings of your own. I have contacted the agencies who have accessed my report and they have no history of me, and as previously stated, I hold NO debt, mortgage nor account with the said agencies, THAT I PROVIDED YOU. You have NEGLECTED to contact these agencies for validation and yet continue to report false information on my report. Its evident it was lost in translation, because I did NOT receive per FCRA Section 611 any validation that I have requested on SEVERAL occasions. If you have followed protocol, and verified them, why has validation failed to be provided? FCRA 15 U.S.C 1681i states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me a copy of verifiable proof, than you must delete the inquiries from my credit report. I will continue filing disputes until you adequately conduct an investigation.
I received a letterfrom IC Systems on   XXXX     stating that I owed them {$250.00}. I dsputed this debt and send a letter for verification of the alleged debt. I never received a response from them and they inserted a collection account on my credit report on  X/XX/2017
XXXX   XXXX   XXXX    called me three t imes at my workplace on  XXXX   XXXX ,  2017 afte r being told during the first phone call that I 'm unallowed to take calls at work. The second phone call, they spoke to a co-worker and left a message. The coworker told them not to call the job. And then he called a final time, requesting to speak to me and spoke to the coworker that repeated not to call. He said he was an account manager and needed to speak to me regarding my debt, and he kept harassing my coworker. She simply hung up. This was all within less than an hour and a half.
My XXXX student loans acct under XXXX XXXX, account # XXXX, is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH  my credit reports & credit scores have suffered due to this falsely reported data. <P/>XXXX refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
I filled a complaint earlier. Complaint number XXXX against XXXX. The company will not freeze access to my data without my enrolling in their credit monitoring program at {$120.00} a year.
I had a collection beacuse I have not paid to Fisrt Porgress and They pass the account to  XXXX   XXXX   XXXX   XXXX . I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  ,2017 Afte r paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the lette r from First Progress, whic h is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost four times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help
See complaint Case number : XXXX It took XXXX days for them to tell me that the refinancing to not go through. I will settle this matter for {$11000.00} dollars. The refinancing was to be used to pay off my credit cards. Now my credit cards are suing me. I have paid over {$100000.00} to JP Morgan Chase which is more than I paid for the house. Most of these funds went to interest. JP Morgan has mishandled my refinancing, my loan modification, and my options. Now I have to untangle this mess!!
It appears that my cell phone number XXXX was placed on a massive dialing system, where my cell phone was called starting at XXXX and calls would come through until XXXX. I received pre-recorded messages every single time. The messages were left on my voicemail XXXX a day. I never authorized this Law Office to call my CELL phone on a artifical dialing system and leave pre-recorded voicemail. This is a violation of The Telephone Consumer Protection Act. I tried to resolve this matter with this Law Office however however I have been hung up on and treated poorly.
I checked my loan payment history and discovered that my interest paid each month varies significantly, sometimes as much as XXXX %. My principal is not going down as fast as it should. I am set up on an automatic payment plan so payment is made same time each month, no late fees.
I found out XXXX that multiple accounts which belong to me from my creditor XXXX were not showing on my Experian or XXXX report. I reached out multiple times submitted all requested documents to both companies but they fail to put it back on my report. This has caused me to be declined by creditors due to missing information. I Spoke to XXXX who showed proof they were reporting accurately but XXXX and Experian refuses to update my file as of XXXX.
I am being sued by a debt collection agency called Stenger & Stenger out of XXXX XXXX, XXXX. For background purposes, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX when I moved to XXXX, XXXX. XX/XX/XXXX, I had entered into the credit card contract with XXXX XXXX XXXX while living in XXXX, and any charges made on that account would have been made in XXXX. According to Stenger & Stenger, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, Stenger & Stenger are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state of XXXX, this contract has nothing to do with the state of XXXX and the 6 year SOL in XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat 13-80-110 " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

Stenger & Stenger is supposedly a " Professional Law Corporation '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. Stenger & Stenger and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.
I received several phone calls pertaining to an XXXX XXXX XXXX account that was opened in XXXX Ms , with a balance of {$970.00}. I told the company collecting ( SW CRDT SYS ) for this account that I had never lived in Mississippi and I had no knowledge of the account. I was told that it may have been a case of identity theft, and my name would be taken off the call list. Now this company is reporting this account in my name to the credit agencies.
I missed a month 's payment and then another. I have spoken with them several times about making my payments. After I have made a payment they continue to call and harass me about when I will make the next payment. They call sometimes twice in a given day. The last message they left was very aggressive. I made a payment XXXX XXXX, 2016 ( XXXX ). I made another payment XXXX XXXX, 2016. I intend to make another payment XXXX XXXX, 2016. I do not wish to be harassed by Capital One when I am doing my best to become current with them.
I HAVE BEEN DENIED FOR A JOB BECAUSE OF INCORRECT INFORMATION ON MY CREDIT REPORT. I am not able to reach Transunion over the phone and not allowed to access my report online.I have disputed judgments that have been vacated, and I have documentation for a car loan that was dismissed in court. I want these items removed from my credit report immediately.
Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX We started a short sale with Wells Fargo on XX/XX/XXXX. 

On XX/XX/XXXX we called Wells Fargo. The rep stated the re-entry team called homeowner on XX/XX/XXXX to perform a phone interview, which is required before they will do anything with this account. The homeowner did not answer the phone and Wells Fargo did not bother to leave a voicemail for them. -- -The homeowner had no idea that Wells Fargo needed anything. 

I tried to call the re-entry team, at XXXX. I was on hold for 30 minutes and call disconnected. No one answered. The homeowner would have been unable to call in, even if they had been asked to do so. 


Why is Wells Fargo refusing to communicate their requests to the homeowner? 


Why does the re-entry team just disconnect the call after waiting for 30 minutes?
I am a victim of identity theft, and have been battling creditors since XXXX 2015. My son, XXXX XXXX XXXX used my personal information to open up several credit cards under my identity. The fraud was exacerbated by the fact that at the time he lived with me and my wife at XXXX XXXX XXXX XXXX, Ca XXXX. On XXXX XXXX 2015 I filed a formal police report and had a Fraud Affadavit notarized as recommended by both the XXXX Police Department and the Federal Trade Comission. I notified all creditors with claims against me of the facts and thus began my lengthy ordeal navigating this mess. I understand things are confusing as we both have the same name and the statements were sent to my mailing address, but this was all perpetrated by my son whom has confessed to it and takes responsibility. 

I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. Out of all the creditors only Discover Bank has brought legal actions against me, and also after being formally notified and being provided copies of both the law enforcement report and the fraud affidavit continue to disregard the facts set forth in this case. The willfull negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section XXXX and Civil code XXXX -- -
When trying to make payments, I was unable to cancel automatic payments. Although I did initially turn off auto pay, somehow the feature was turned back on ( not by myself ). This caused several payments to attempt to withdraw from my account in which there was n't funding for the payments to be made. I called about the issue many times but no change occurred as result I was charged {$2000.00} in fees by Chase. A total of 85 attempted payments incurred fees. I would like to pay my credit card in one full with one payment. But I will be unable to do that with {$2000.00} added to the {$1000.00} limit credit card.
I have a reverse mortgage and I am being taken advantage of by my mortage company RMS Reverse Mortgage Solutions XXXX. XXXX XXXX XXXX, TX XXXX phone number XXXX account number LOAN NO. XXXX. 
-- I was advised by RMS that I owe RMS {$600.00} for a property tax bill they are " CLAIMING '' to have paid on my behalf. They are saying they paid check # XXXX which cleared on XXXX/XXXX/XXXX. 

-- I disputed the claim with RMS and submitted an appeal because RMS has never paid my property taxes because I have always paid my property taxes. My taxes are paid via my checking account which ends in XXXX. I also forwarded RMS my statement from the New York Dept. of Finance which shows my payment history from as far back as XXXX. All payments have been made through my personal checking account. 

-- I have had to appeal 3 times because RMS just simply denies my appeal with no justification or even any notification. I have to literally call and beg for an update and then have to appeal again. Every time I call RMS, I am met with disrespect, and harsh attitude as if I broke the law. I was advised that my loan is in default and RMS is trying to take my property unlawfully.
-- RMS continues to deny my appeal simply stating that " YOU JUST OWE '' the taxes. I have asked all representatives I have spoken with for justification because my supporting documents come from the Dept. of Finance showing without a shadow of a doubt that RMS has not paid  my taxes.
CapitalOne did not pay out for the following promotion even after I completed the requirement : Open a new Capital One 360 Money Market account with the promotional code XXXX and receive a bonus of {$200.00} when you complete the following requirements : Deposit at least {$10000.00} no later than XX/XX/2017 XXXX