WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I finalized a financing plan with Castle Credit Co Holdings, when I purchased a XXXX Vacuum Cleaner. Since then I have attempted to fix issues with the company but have been completely unsuccessful. Not only was an auto-pay never established as promised, due to that they are reporting my account being ( 30 ) days late on one occasion. I had already called them and spoke with a person in charge about this related to my auto-pay and was assured it was taken care of and would not affect my credit report. Now, they have a late payment on my credit files, which has lowered my FICO score by more than 100 points. In addition to having this issue with the company, they also illegally retrieved my husband, XXXX XXXX 's credit file. I never consented for them to pull his credit files, and he has placed a separate fraud action for that matter. He was not even present, and I was the only one doing  business with their company. I have this account solely in my name, and have a signed contract with my name and signature on it. My speculation is they preferred for him to be listed on the account with me, but that is not legal.
My house is in foreclosure : I 've applied to do a short sale & have been ignored-now I 'm getting notices from the local sheriff 's dept.I was informed I could do a short sale : I started the preliminary process but, as per usual with BOA , the CSM changed & did not call.I called the numbers I had but my account was not in that dept. & I was n't given the option of speaking to anyone or leaving a message.Im frustrated & extremely stressed.Ive tried, to no avail, to get a loan modification.Now, I 'm just trying to do the right thing by selling the property, so BOA gets their miney & I can start over with my sanity intact
On XX/XX/2012, a collection was opened with US COLLECTIONS WEST IN. I got a derogatory mark on my XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and have this negative remark removed from my credit report.
After going thru hardship due to identity theft and deceptive practices as reported to the Federal Trade Commission and my local police attached. I contacted Discover bank to pay my standing debt off as good faith. I've spoke to a representative regarding payment in return for deletion of negative rating on the 3 credit reporting bureaus. which was agree so on XX/XX/XXXX i paid full balance owed. however i undergone Double Enrichment because as stated by Discover Bank on my account I've made payment after charge off / collection settled. also discover has failed to report accurate balance i ask for verification of all bills, a physical signed agreement contract baring my signature and proof of my photo I.D . although in good faith to clear my name and credit reputation the bill has been in fact paid in full by me all I've asked Discover financial is to deleted this negative mark from my credit as agreed when payment was given. even after I've tried multiple time to write good will letter explaining my hardship due to identity theft yet nothing has been resolved. I was told by the Federal Trade Commission to submit proof to all potential affected creditors a copy as proof i was in fact a victim of Identity Theft and Deceptive practices. i think that its unfair that Discover Financial can hold a honest XXXX, XXXX Veteran, Father, citizen and Consumer back from achieving good credit rating to purchase a home for my family.
I call this office in an effort to settle the debt in around the first week of XX/XX/XXXX. I acknowledged the debt. However I was met with harsh language and threatening comments. After much harassment and threats I made an agreement to pay {$100.00} per month starting XX/XX/XXXX.and a payment of {$60.00} in XX/XX/XXXX was agreed upon. He stated that if I break the agreement I would lose what I paid in. On Thursday XX/XX/XXXX he { XXXX XXXX } called back making threats that I need to get a lawyer and there was no agreement made, and there was nothing in writing, and that the debt was due in full that day, and no other arrangement will be accepted that it must be paid in full. He continued to be little and speak harshly to me still denying that there where any prior arrangements. 
He has made several derogatory statements making my efforts to reason with him impossible I do not want to put up with being yelled at and him raising his voice in a confrontational manner. I have never been disrespected in this manner before. Also I had a recent letter stating that I had other options of paying this debt but he refused to acknowledge the letter from the original creditor.
Equifax has mishandled my information, which puts me and millions of other people at risk. 

XXXX XXXX XXXX XXXX I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
In XXXX 2015, I signed papers for a Deed-In-Lieu to convey title of my property located at XXXX XXXX XXXX, XXXX, NC XXXX, to XXXX. The Junior Lien Holder is Franklin Credit Management XXXX. A check was sent to Franklin Credit as settlemnt of the Junior Lien. The check was cashed but the Lien has never been released by Franklin Credit, so that a clear title can be done. Franklin Credit continues to refuse to release the Junior Lien and so the saga continues.
XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on XXXX and Transunion. This is not my account, and it seems like XXXX has proven this.
I have an open credit card account with XXXX XXXX XXXX which was opened in XXXX of XXXX. Since that time I 've made payments on time for 11 months straight. In XXXX of this year XXXX I was late a little over 30 days due to losing my job. I made the payment. In fact I did a double payment. XXXX XXXX  reported me as being late 30 days to Experian. Experian in turn because of me being late one time knocked my credit score down by100 points and put my account into negative status and there saying it 's going to stay in negative status until XXXX even though I 've only missed one payment in a year. This does n't make sense to me? I would maybe like 5 or 10 points or something, but 100 that 's just wrong. Because of this they have ruined my credit! How can one 's score be knocked down a 100 points for being late on time in a year? This is not right. 

I 've also asked to remove an account XXXX XXXX XXXX that was scheduled to only remain on my account until XXXX of XXXX according to past credit reports but has been mysteriously bumped up a year to stay on my credit report until XXXX XXXX now? I 've reported the problem but Experian refuse to fix the problem and revisit it even though I just disputed it. They refused to take the dispute. How is it that they can get away with this?
I have had an IBR on file with the XXXX XXXX XXXX website since XX/XX/2007. The loan servicer has refused to acknowledge or honor the IBR on file, rather demanding that I submit individually to them, then not acknowledging receipt.
I canceled my credit card with Fifth Third Bank. Then due to a scandal with XXXX they re-issued a card to me without my knowledge and started charging me late fees, over the limit fees and other fees. Now they are threatening to send me to collections and repossess my car until I pay the fees. There is no record of this card and the credit card number does not match my cancelled card. I think it 's a scam, when I have paid the minimum fees there 's no record of the payment, I do n't understand where my money is going? This company is a fraud and I 'm tempted to sue them for the inconvenience and troubles it 's caused me.
XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I did n't have any knowledge about this account to be send to a collection agency. The bank never contacting directly about this bill issue.
Hello, I have made several phone calls to this agency and I have written and mailed certified/notorized letters regarding this debt with no relief. This debt was for furniture that I paid monthly for and I have my payment receipts to prove payment. It is showing on my credit bureau report as a collection. I have filed disputes with the credit bureaus and again have had no relief with them removing it. I dont know what else I can do to get them to close the collection account and remove it from my credit bureau report. This purchase was in XX/XX/2014. Can you please assist me with my case? Thank you
This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to XXXX and Trans-union, please see attachment credit report.
This matter involves credit card debt with XXXX XXXX XXXX which was referred to CBE Group for collections. XXXX XXXX XXXX had my correct address as bills were sent monthly to me. Once this was referred to CBE Group they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and mental anguish. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.
On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( Transunion, XXXX, and XXXX ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.
Bank of America ( BofA ) at XXXX XXXX XXXX XXXX XXXX NJ XXXX is refusing to cash my payroll check drawn on BofA. Do they have that right to refuse to cash a " Payroll '' check, if the account has enough money and I have ID?
Midland Funding LLC has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.
On XX/XX/2018 WINDHAM PROFESSIONALS reported to my credit report a balance owed of over {$6000.00}. The balance is in question is currently being serviced by the original lender on a payment plan, and the balance was actually {$5600.00}. This agency falsely retorted an incorrect balance on my credit report, and is not even the debt owner.
I was trying to apply for a mortgage loan and discovered a fraudulent account with XXXX XXXX XXXX XXXX XXXX account no : XXXX XXXX in my credit report. I filed a police report with XXXX Police Department on XX/XX/2017 XXXX police report no : XXXX ) regarding this fraudulent account and submitted that document to the credit bureaus and XXXX XXXX. The credit bureaus blocked and removed fraudulent account from my credit reports. But recently, I checked my credit report and found out that Experian reinserted the fraudulent account back to my credit report. I contacted with Experian credit reporting agency but they refused to help me to delete fraudulently opened car loan from my credit report.
I had a second morgage on my old house with my exhusband. We were divorced and I have a quit deed on the property, as well as my exhusband taking full responsability for the loan on my divorce decree. The issue was it was a secure open line of credit so they still were holding me accountable for the payment. Intially Springleaf told me they were going to take me off the loan. AlI I needed to do was send them all the proper documents, which I did but they never took me off. I disputed the loan several times and it came back that I was responsable. Last year my ex decided he was going to stop paying the loan and now the loan has went into default and I have a negative charge on my credit. I again decided to contact springleaf about the issue and included my SCRA trying to come to a resolution but I never got a response back. I seeked help from a finacial advisor and was told to file a complaint here for help. I am an Active-duty Service Member and was told that my case should be handled by XXXX office.
Representatives have called many times per day to myself and to my family members, anyone with my last name that lives in my area. They have left messages that this is to collect a debt and that they are taking action-XXXX legally and through wage garnishments. I called them back to get their address and XXXX number which they were very hesitant to release. first representative said very rudely " im not talking to you'then put me on hold. They were asked to provide any supporting information but failed and could n't do so then hung up. Very rude to my elderly mother. 
I do n't have a debt that is owed so I am not sure what they are trying to accomplish.
Experian just sent me a new credit report and they took off a negative report that should have been removed in 2014. This I was thankful for as it has cost me thousands of dollars in punitive damage.
To my disbelief they added a new negative credit account for original creditor XXXX XXXX Hospital which is the ultimate inconsiderate incompetence. I have never been a patient at XXXX XXXX Hospital or utilized any services from XXXX XXXX Hospital or received any type of bill from XXXX XXXX Hospital.
I believe this may be a relative but if they had had the decency to check the birthdate they would see this is and never was my bill. How dare they be so careless with my credit history ... ..enough damage has already been done.
I had sent the check as a payment before XX/XX/2017 ( the due date ) But the  payment came back to me. I was never late on payments
I have received 8-10 phone calls at my place of business relating to debts owed to someone with the same name as me. The representatives have been rude and unapologetic. I have returned their phone calls 3-4 times, each time giving clear information that I am not the person they 're looking to contact, and that they need to remove me from their records. Each time I was told they would do so. Today I received another call, and on my return call back I spoke with a supervisor and reiterated my request.
My employer has received a robotic collection call at the switchboard from this agency several times a month for over two years! This must stop.
My loan was originally with XXXX XXXX XXXX then transferred without my knowledge to greentree who did not honor my current modification I was under with XXXX so it started off bad me trying to get a new loan mod with them after two years being told I did n't qualify then they almost foreclosed on me until I hired a lawyer then Florida hardests hit paid almost {$12000.00} to my account to cover all past due fees and bring me current again now asked for a new payoff and see that Greentree has added an additional {$38000.00} to my loan amount and have called it corporate advances?? seriously my original mortgage is only XXXX now the total payoff is over {$80000.00} after we just put XXXX towards the account? I cant understand how this is legal to double my mortgage amount without my permission or consent? greentree did not honor XXXX original note or loan modification now it has already cost me over {$15000.00} in lawyers fees to save this home and clear my account and now they had added all this money to it. I need help with this matter this is no fair to me as a consumer and I wanted to transfer this loan from greentree to another lender and found this corporate advance amount added to my mortgage I need this cleared in order to proceed. Can you please help me with this matter.
Let me start by stating my wife and I have been exceptional Wells Fargo customers for XXXX years and have had this credit card right at XXXX years. Following my recent complaint I filed on XX/XX/2017 case number XXXX, which a response is now several days past due, I chose not to close this account due to the negative impact it could have on my credit score. In the past 30 days, I have paid {$10000.00} to Wells Fargo to pay the previous balance in-full. Today, my wife called Wells Fargo to pay the current balance in-full and was told by a representative that there are notes on our account that I gave the representative on XX/XX/2017 the wrong account number and that is was my fault. She was then advised that our account was flagged that they could not accept payments by phone from us any longer. She demanded to speak with a manager, because of how ludicrous this seemed and was told the same thing. The manager told my wife that they have notes that prove I left off a number when paying by phone on XX/XX/2017 and that we would have to mail our payment to them. My wife expressed her absolute dissatisfaction and displeasure with this obvious discrimination towards us. She said she does not have time to mail the payment and if they looked at our history, we have never mailed in a payment and have always either paid by phone or online. My wife told the manager that we might just payoff the balance and close the account, based on the terrible experience we have had lately with Wells Fargo. My wife told the manager she was speaking with that we have a linked account on file we use for payments and advised it was an error on Wells Fargo, which caused the payment to return due to no account found, not NSF. She could never get a legitimate or justified reason we were no longer allowed to pay by phone. This is complete discrimination and retaliatory, because of the first CFPB complaint filed. This is also considered a fair banking violation, because we are being treated differently than other customers. Is it a normal practice to not allow customers the option to pay by phone if a previous payment returned " no account found? '' Is it a normal practice to not allow a customer to pay by phone, following a CFPB complaint being filed about the lack of service received and a UDAAP violation? Wells Fargo is really doing a great job of ensuring we will never be customers again. It 's sad that even with the recent bad publicity Wells Fargo has received, that they are still lacking at providing excellent customer service, especially to long-standing customers.
Three of us, myself and a married couple, purchased a home as Tenants in Common. All three of us are on the same mortgage note. The married couple are listed as the primary borrower and secondary borrow, myself listed as a co-borrower. 

The note was sold to Stearns Lending which indicates it provides an online portal for our loan management. I attempted to register with the portal ( XX/XX/XXXX ) and was denied access. I called the customer service number to find out why I couldn't register and was told that it was just a glitch in the system, that the support desk was notified and that I would have access soon. Then, end of day, I still did not have access. I filed a customer support ticket through the website and received a reply ( XX/XX/XXXX ) stating : " We are sorry you have been experiencing difficulty with the website. Our platform only allows for two   separate profiles per account. Therefore the person listed third on the loan will not have access under a separate profile of their own. 

Please feel free to contact us if you have any additional questions. '' I filed a secondary support request ( XX/XX/XXXX ) indicating that I needed access along with the primary borrow, while the third person would not need access. To which I received the reply ( XX/XX/XXXX ) : " We have received your recent inquiry regarding your mortgage account. Please have Mr. XXXX the primary mortgagor submit the request to have the names changed on the account. '' The person listed as the primary mortgagor called the support number and explained the situation as well as indicated the reference number to the last support request. He explained that as borrowers we all need the ability to manage our account and that we need to be able to make separate payments for tax filing purposes. The support representative put us on hold to check on it and returned saying that there was no way that access could be granted to me and the primary borrow and that we would have to switch primary and co-borrower. We told the representative that this is not an acceptable practice and asked to speak to a supervisor and were placed on hold. We never completed the call due to a very long hold time. 

As borrowers, we should all be able to access and manage our accounts and make payments individually. 

1. This arbitrary limit of 2 profiles per loan is unacceptable. This can't the first time that more than two borrowers have opened a mortgage.

2. We must have the ability to pay portions of the mortgage separately for tax filing purposes.
XXXX XXXX , XXXX Represented by Hameroff law Group XXXX as. 
Went to our bank XXXX XXXX and was allowed to take XXXX out of our savings account. 
We were never told about this. 
We only have our SSI coming in. 
The bank never told us about this either. 
It said they could never do this but they did. 
What can we do now? 
We have no other income.
On XXXX XXXX/2017 had credit report ran to refinance mortgage loan and was told, on my credit report showing a balance of {$90.00} sent to credit Management LP for collection. I called credit management to find out the source of the credit and was told XXXX or XXXX XXXX, and my option is to pay and resolve the situation. I do not owe to XXXX or XXXX XXXX. I am not aware of any transaction or signed contract with the company showing on my credit report.
There is currently a cease and desist order in affect against Ocwen Loan Servicing and its dishonest employee XXXX XXXX from directly communicating with me. Opposing counsel responded to my consumer financial protection bureau complaint in the past confirming. Sadly once again, Ocwen Loan Servicing dishonest employee XXXX XXXX is directly communicating with me, which I believe she is only doing to play childish games and intentionally harass me like she has done many times in the past, Or maybe it could it be that Ocwen failed to correct its system glitzes that has cause millions of the pretender lender loan servicers borrowers harm.