WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later,XX/XX/XXXX the account re-appears under a different account number with a collection agency XXXX. XXXX is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.
I have inquiries on my credit report on XXXX that does not belong to me from XX/XX/XXXX PENTAGON FCU, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXL XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
XXXX is the company XXXX is the debt. I have sent multiple letters with return receipt to get proof of debt and they have failed to provide it. They also threatened to sue me so I started making payments not knowing if this debt is mine. They will not take this off my credit. I challenge whether I owe this debt. I got student loans and that should have paid the amount. I am challenging this debt as I do not believe I owe this company any money. They Ave failed to provide proof
My name is XXXX XXXX. I use Citi credit card. In XXXX, XXXX, XXXX, all my statements are correct. In XXXX XXXX, the Statement said I have re-owned the company {$380.00}. I have called the credit card company, and they said they have re-sent that amount of money twice. I said I only got the money which should belong to my CitiBank debit card, which is {$380.00}. The Citi credit card company said I should go to the CitiBank directly to check it out. I have gone to CitiBank for three times, and they said the money which I used to pay the credit card is not responsible to the CitiBank, and they said I should talk to the credit card company instead. The Citi credit card company said it is not their responsibility even if I have called them for 7-8 times. 
Right now I am confused, and nothing I could do but ask the FDIC to see whether you could help me.
I am with Nationstar mortgage and with in the last year my mortgage payment has changed and XXXX. Every time I have called I have been put on hold for over an hour and I have been given a different excuses. I have yet to understand why my escrow has never been correct or why my rate has been XXXX. I am always on time with my mortgage and have always paid extra but now it is to the point I do n't know what my monthly payment is each month.
My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report
I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with XXXX XXXX. I do not dispute that I had a credit card with XXXX. What I find as a problem is that I never received notice from XXXX that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by XXXX to JH Portfolio Debt Equities , LLC. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. XXXX XXXX knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to XXXX XXXX and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.
I have contacted Capital One in reference to my buypower credit card account ending in XXXX. They stated there is a charge on my report from XX/XX/2018 from XXXX XXXX. I advised the rep, a supervisor, and a Manager that the charge is incorrect. I also advised that card has not been used over a year and that XXXX XXXX is not my electric company. Because of this erroneous and fraudulent charge on this account, I advised this needs to be updated immediately because it is showing 60 days past due. The manager stated they will credit my account, but will refuse to send information over to the credit bureau confirming that this account is not pass due and it should of never reported pass due because the charge is incorrect.
Our homeowner has been actively pursuing a sale of their home over the last 7 months. While he is behind in his payments to Nationstar Mortgage, he is doing everything in his power to sell his home and payoff the loan in its entirety. To this point, we had failed in finding a successful buyer but now we have a full price offer that more than covers their payoff. I have been in contact with nationstar for payoffs and this week I was in touch with them on XXXX XXXX asking them to delay a foreclosure sale date for this upcoming XXXX, XXXX XXXX, 2015. To this point, they have failed to process the documents timely and are denying a postponement of the sale. They are delaying getting their own internal payoff numbers and this is causing potentially devastating harm to our owner. At this point we need Nationstar to extend their auction date in order to allow us to close our sale and allow the payoff of the loan. Our homeowner will not lose his home, he will file bankruptcy as a last ditch effort to save the home he has lived in for nearly 20 years. Nationstar refuses to listen to our plea and repeatedly cuts us off during conversation. The problems they claim to see on the documents, are not real problems, and they will listen to our explanations for them. We need someone to step in and handle this.
On XX/XX/XXXX I applied to refinance my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX. I 've purchased two BMW vehicles with XXXX XXXX, my payment history is very good with XXXX XXXX, which they allowed me to not make two months of payments, which will be push to back of car loan, due to my Great Payment History. They denied me the right to refinance the car. I called XXXX XXXX at XXXX on XX/XX/XXXX to inquire of the status of my refinance application, they informed me that I was denied, without reasonable cause. I believe that I 'm being discriminated against, or what you call " Red-lining '' i.e., in the real estate industry, I presume it is the same terminology being illustrated in this situation. The interest I 'm paying on the vehicle is 10.4 %, which is extremely High, I was taking advantage of, when purchasing this vehicle, I hope that the CFPB will assist me with protecting my rights as a consumer. Car Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
I got a car thur Public Auto Sales. I been with this company for over a year.I have a 2008 Galant. I went on XXXX to pay my car note but Public Auto Sales have vanish.. There ; s nothing there. I never got a proper notice. I have no idea how to make my car pymts. And now i worried that they may piack up my car. I been calling every number i have to get in contact with them but the number is busy or going to voicemail.. I need to know what going on.. Im working on my credit report and i dont want this to effect me.. Thanks
I was an authorized user on my grandparents checking account-only for emergencies. In either XX/XX/XXXX or XX/XX/XXXX, the account was closed. I was not aware of the accounts status because another family member began overseeing the account. Hence the fact that I had not been active with the account, I forgot that I was actually authorized for emergency use. Four years later, the charge-off appears on my credit report. I am not responsible for any charges remaining on this account.
Wells Fargo failed to mention that there was a balloon note in my mortgage in XXXX. When I did the modification in XXXX I again only signed one page and sent it back not seeing a full disclosure. I received a letter in XX/XX/XXXX stating they failed to include, in a written document, a reminder of balloon note. This was my first indication of it and I had no previous knowledge about it. I believe I was taken advantage of as a senior citizen. I wrote letters and called the Presidents office. I received a letter stating they would investigate. 
In XX/XX/XXXX, I went to the Wells Fargo Mortgage Center in XXXX California to retain a full copy of my loan papers and check with what I had been previously given. In those documents I did not receive a truth in lending disclosure or pages 16-19 & page 22 were not in my papers or copies I received initally at Wells Fargo Home Mortgage. And I realized they had deceived me in this process. I 've been paying mortgage but with the outrages balloon payment and outrages rate I am at risk of foreclosure, although my loan is up to date.
I sent out letters of validation of debt via live signature on contract via certified mail and I have been sent no information.
I asked my credit card provider to reduce my APR ( annual percentage rate ), since I feel it is too high even though I have been a good customer for more than a year. The provider refuses to reduce my APR, for the below reason : " Credit line decrease on your account within the past 4 months '' I have never had a credit line decrease in my lifetime of using credit cards ; in fact my credit line has only increased in the time frame mentioned. I have called the credit analysts who are supposed to be rectifying the problem numerous times, but the problem still persists after two whole months ( my first complaint was made in XXXX ). 

I have been told repeatedly that this is a technical issue and should be resolved in a few days, but it has taken a very long time and it still has n't been resolved, even though it is not my fault whatsoever. There is no reason for the bank to deny me an APR decrease even though my credit usage has been excellent ; I have not been given any other reason for the provider 's inaction apart from the one mentioned above, and the provider refuses to take action until this technical issue is resolved, which they neither resolve nor give a concrete timeline for. 

I feel that it is unfair of the provider to take advantage of me this way ; I have always made my credit card payments on time in full ( multiple payments a month ) ; I have been a good customer in good times ; I fear that if I fall on bad times, the provider is unwilling to have my back and fleece me in my time of need through ridiculously high APRs ( greater than 20 % ) which it refuses to decrease.
I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from XXXX. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help
I get XXXX calls per day from Bank of America 's " Loan Counciling '', which I DO NOT WANT! 
If thats not bad enough, they have also been on my property/s ( which is a big NONO in my book ) hanging paperwork on front door stating same thing ( about calling loan counsling ). They do not have my or my wifes permission to be on ANY of our properties. They also tried to charge us a fee for sending someone " out to my properties '' to hang that piece of paper on front door. Which I will not pay. 
When we answer the phone calls from the loan counsler #, so we can tell them to quit calling! You only get a recording stating - to call the loan counsler! 
We occasionally run late on our loan payments, but never more than 30days, as I get paid XXXX. We have always made our payments and always will, even thru worst of times of us/ America struggling, we have made our payments INCLUDING countless late payment fees. We even get these same calls after Bank Of America has cashed our home loan checks!
To whom it concerns, I had a credit card with Capital One the balanced closed at {$1900.00} XXXX XXXX, XXXX .... XXXX XXXX XXXX. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from XXXX XXXX XXXX. this account was for my VA Benefits from my military XXXX. Both the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.
the interest rate they charge me is so high and it 's impossible to lower it. I was told that after one year of making on time payments they would lower it but now after one year, they told me I do n't quality.
After not qualifying for a VA loan due to debt-to-income ( which was odd ). Our lender ( XXXX at Open Mortgage ) asked the Underwriter ( XXXX XXXX ) if we could repackage as a USDA loan and the underwriter said to do so : '' Good Morning XXXXAs per my previous email yes you can go USDA - you will need to get usda docs and resubmit file with everything as USDA and I will re underwrite for you. Thanks. " To move forward with the house, XXXX repackaged us USDA - we received desktop approval. The seller requested an additional {$500.00} in earnest money ( in total {$1000.00} ). In addition to going with an USDA loan, I had to agree to give the seller the earnest money ( {$1000.00} ), even if the loan was not approved. 

After paying for the USDA appraisal ( {$450.00} ), the appraisal came back great. The UW approved our loan. Next, the file was submitted USDA. The USDA reviewer denied us, because my student loans were not fixed payments through the term of the XXXX yr mortgage loan. 

The problem I have is the UW did not know the stipulation effective XXXX 2014 regarding student loans : Student loans. Lenders must include the greater of XXXX percent of the outstandingloan balance or the verified fixed payment as reflected on the credit report. 
Exception : Monthly payment amounts listed on the credit report, which are less thanone percent of the outstanding balance may be used when evidence from the loanservicer is obtained indicating ; 1 ) the applicant is on a fixed repayment plan notsubject to change under the terms of the current agreement and XXXX ) and the monthlypayment amount due. Fixed payments have a monthly amount that is not subject tochange through the fixed repayment time frame. Income Based Repayment ( IBR ) plans, graduated plans, adjustable rates, interest only and deferred plans are examplesof repayment plans that are subject to change and do not qualify for the exception. 
No additional documentation is required if a credit report is obtained and the lendercan confirm the payment represented is a fixed payment as noted in this paragraph. 

The above stipulation applies to VA and USDA loans ; therefore, if we can not qualify VA due to not have fixed student loan payments, then WHY did the XXXX say to repackage me as USDA. We lost {$1400.00} due to her negligence. Even the USDA reviewer - XXXX XXXX ( Georgia XXXX XXXX XXXX at USDA, XXXX XXXX ) stated the UW - XXXX XXXX was grossly negligent on our file. She is required to know the stipulations to inform the lender what was wrong with the file.
I have submitted a previous complaint about this company, XXXX XXXX XXXX, and never heard back. During that time, my husband suffered a XXXX XXXX and I was focused on other things, so when I finally checked on the status of the complaint, they had closed it. Their response stated that my name was not on the loan and so they couldnt talk to me, even though I had submitted a P.O.A. previously. 

I had called them dozens of times trying to resolve this matter to no avail. We had MORE THAN repaid the loan, but with interest being raised to 90 %, I could never catch up. I ended up giving them back our car rather than have to deal with these people. 
I basically let it drop, but decided to contact them again about 4 weeks ago. I got an email response again saying they couldnt talk to me. I immediately emailed them a copy of my P.O.A. for my husband and have not heard back from them. I have emailed them about 4 times, never hearing back. 

What they did was unconscionable at a time when all I wanted to do was resolve the situation and my husband could not talk due to his XXXX. The details were in my original complaint that I have attached. 

I really hope you can help, not just for us, but for others in the same situation. Very sad to be so taken but what seemed like a reputable company.
Received a call from Synchrony Bank today that my credit card issued by them was used fraudulently ... this is the second time this month I have got a call from them that my credit card issued by them ( XXXX different cards - XXXX is my Walmart card and the other is my Toys r us card ) was used fraudulently. I had XXXX cards still in my possession and the charges that were made were far from my home. I am concerned at there is a data breach at this bank. I have not heard anything in the news about this bank and the customer service rep helping me did not give me any information but this seems more than coincidental to me.
I have a debt showing up on my credit report that is not mine. I disputed this debt with the three major  credit reporting bureaus on XX/XX/XXXX and they were not able to validate. On XX/XX/XXXX, I sent a certified letter to Credit Collection Services asking them to validate this debt and they sent me a final bill. I do not owe this debt and would like to have it removed from credit file from all of the major report agencies.
I am receiving numerous calls either to my cell or now to my employer.. leaving a number of XXXX ARS. I am fed up with being harassed on my phone and now at my work. 

I do not owe ARS anything and if I do, they should go through the proper channels of collecting a debt. ie, sending a statement.
XXXX  credit report I have 5 hard inquires from the same company Cbcinnovis/XXXX, PA XXXX. I did not give consent for these inquiries. Hard inquiry dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
In XX/XX/XXXX my credit score dropped 50 points due to an added debt collection item by ABR Recovery in  the amount of {$1500.00}. My credit report stated I opened the accountXX/XX/XXXX I am not aware of this debt. OnXX/XX/XXXXI sent a certified Letter of Verification of the debt to ABR Recovery LLC which was delivered and accepted on XX/XX/XXXX. I have not received any of the requested information or proof that this debt belongs to me. It is now passed 30 days since I requested the information from ABR Recovery LLC. I am requesting the company to remove the debt collection item from all of my credit reports immediately.
There are quite a few hard inquiries that I didnt request/submit, here are the names of the companies for the inquiries : XXXX XX/XX/2017 SCRNG RPTSXX/XX/2017 XX/XX/XXXX-XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX- XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
I received a call from some man who would not identify himself from XXXX XXXX stating he was going to have me arrested tomorrow. I asked what he was calling about and he said fraud and I asked again and he would not answer me then attempted to have me verify my social security number and when I said to send something in writing he refused and said all business was handled over the phone. I asked him not to call back and he has been calling me every hour for the past XXXX hours and threatening me if I do not give him my bank account information. He also keeps saying I committed fraud. Fraud on what I have no idea what he is talking about. I asked for proof and he said see you in court tomorrow. he calls from a blocked number is a XXXX number and then leaves XXXX as the number to call back
According to federal consumer laws, mainly The Credit CARD Act of 2009 banks are required to provide at least 45 days notice of any significant account changes.Without notice USAA restricted my online account access and shortly there after cancelled my account. No notice, explanation or documentation ( which was requested numerous times ) has been provided.