WillisBack/dataset-financial-user-claim huggingface dataset:
Due to the recent Equifax hack, which left over XXXX XXXX people 's personal data exposed and at risk, I have had to freeze my credit report with all three major credit reporting companies. The process of freezing credit reports cost me {$7.00} per company, or {$22.00}. I find it offensive and immoral that I need to pay the company that left my personal information unsecured in order to prevent identity theft, possibly for the rest of my life. Each time I intend to apply for a line of credit I will need to incur costs for each unfreezing and subsequent refreezing of my reports as well. The lifetime cost of this hack may result in loss of hundreds of dollars per individual.
I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from Bryant & Bryant & Associates pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up 75 biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.
Prestige Finance continuously calls and texts my cell phone during work hours. They also have charged a ridiculous amount of fees to my delinquent account and this month was the XXXX month I have received a statement from them. So I have no idea of how these fees break down. They also record my calls and do not advise me of so when I call or when they call me. I also tried numerous times to complete a voluntary repossession and advised that the car was not operable and was with a third party mechanic in which I could not afford to pay for due to extensive rental car bills to get back and forth to work. Yet and still they constantly requested money for payments and stated that there were over a XXXX dollars in fees. But have never sent out monthly detailed statements to break down what was being paid and what was owed.
XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the car was in the shop for over 40 days getting the faulty motor replaced. In XX/XX/XXXX it was " Presumed '' a Lemon and GM on XX/XX/XXXX offered a Collateral Trade. This trade was contingent upon getting my lender to agree to the trade. Since that time I have called GM Financial on many occasions, explaining what I needed. They would note my account pass me on to various department and no further action would be taken. Occasionally I would get someone who had some idea of what department could help me, and I would hold for long periods of time just to hit a dead end. Someone would give me another phone number to call which just got me to the same main line. In XX/XX/XXXX of this year, my Dealer Rep. XXXX XXXX of XXXX XXXX received instruction from GM Financial to complete a collateral trade info packet and fax it to them. After faxing it two different time, we had confirmation that the package was received and they would contact me when they were ready to move forward. After numerous emails to XXXX XXXX in Loss Mitigation, XXXX responded on XX/XX/XXXX and said she could initiate the dealer exchange process, as long as I understood that they would NOT issue any funds for the exchange, which I agreed that I did not expect them to do that. On XX/XX/XXXX my attorney who is representing me for the Lemon Law negotiation submitted a Letter of Representation to GM Financial per their request before they would talk to him. Following that GM Financial will not talk to me since I have representation, however they also are returning calls to my attorney and we are unable to get any status updates or answers. General Motors has now closed my claim due to no action and my attorney is indicating he can't complete the transaction he negotiated because my lender is non responsive, but he needs to be paid since the attorney fees due to him were built into the lemon law case. 

The dealership and my attorney have provided GM Financial with all the requested documentation that they have been asked for in a very timely manner, then told that they would initiate the trade approval, and since then nothing, which could now cost me thousands of dollars in attorney fees because my lender refuses to give approval on what is obviously a good deal for my loan. A XXXX XXXX clearly holds a higher value than a XXXX XXXX with XXXX miles on it.
I originally had a home equity loan with XXXX XXXX, which was taken over by BB & T bank. It was an interest only loan of approx. payment of XXXX per month. For the 15 years I paid XXXX dollars per month, never missed a payment, until it was over, this XX/XX/XXXX. I called my local branch and was told, since I still owed XXXX dollars I could convert this to a 3 year loan which I agreed. I never got the new bills on time and had to go into the bank to speak to the manager many times. I never got a XX/XX/XXXX bill and my XX/XX/XXXX bill came at the end of the month of XX/XX/XXXX. I paid this upon arrival for the 2 months. This bank reported to the credit agencies that I was 3 months late. This is an error, I was notified that both me and my wife 's credit was reduced by XXXX points bt they misreporting. 
I called the bank and was told that the manger " never closed the original loan properly. I called the executive dept of the bank too say I would pay the whole off, if they could provide the credit reporting agencies the proper information so my credit is not effected. To date I have not gotten any letter and want to make a formal complaint. This is a federal bank so the state of Florida does not have any mechanism for a complaint. I want to pay the whole loan off as soon as possible but need a agreement that the Bank BB & T will notify the credit bureaus.
Accounts : Reason : Tangible Proof Needed From Creditor ASAP XXXX XXXX XX/XX/2018 To whom it may concern, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. 

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5.
Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
I XXXX XXXX of XXXX XXXX XXXX XXXX recently purchased a XX/XX/XXXX XXXX sel and took out a used car loanmy previous car loan was through XXXX bank of massachusetts for {$280.00} per monthand I was never informed previously that my loan was sold to branch banking and trust company XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX texas XXXX never received a phone call or letter from XXXX Bank telling me my auto loan was soldmy new loan payments start as of XX/XX/XXXX with XXXX Bank XXXX XXXX Ma. the payments will be {$360.00} per month and I am on a fixed income from social security and XXXX I only receive {$1500.00} per month and I can pay the new loan but I ca n't pay the other loan payment.I would like this resolved as soon as possible before my new payments startI think this is a scam or fraud and it should be investigated by the consumer protection agencyI will not be scamed or have my assets be taken from meRegardsXXXX XXXX
Equifax Only removed XXXX out of XXXX XXXX XXXX Hard Inquiries where they should of removed XXXX. The XXXX one was from XX/XX/XXXX and should of been removed with the others. 
The XXXX XXXX was removed but the XXXX was not removed.
I had requested a copy of my credit report and once receive it I saw collections on there that I had no knowledge of. I sent out letters on XXXX XXXX, XXXX, XXXX XXXX, XXXX, asking them to send me how these companies are verifying these account and they are not giving me the items that I have requested. I know that this is a violation of my right according to the fair credit reporting act. All these collections are keeping me down in my credit XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I ask that you make them do their job which is not tell me its verified but what method they use to verify. I need to see documents with my signature on it and if they cant provide me with these papers I want them to stop reporting these items as accurate because just because they said it does n't make it true so I need the papers delivered to me, so i can see how they are verifying them
Bank of America closed my account in XX/XX/2014 ( I think ) and placed a suspected fraud/ theft on my name in XXXX making it hard to obtain a bank account with any other banks. I reached out to them on several occasions to have this resolved or investigated and have n't heard anything bank. I spoke with a branch manger on several different occasions and she has called the fraud department and all they tell her is that it is being investigated. They sent me my transaction history showing the money in my account and then coming out but I questioned the check that was deposited, how was it deposited, who deposited the check, how was it cashed, when and by whom. Nobody could tell me anything. I reached out to the company that they say furnished the check to verify that I have no type of business dealings with them or accounts. This company stated that they have nothing to do with myself and they do n't know anything of this check. Bank of America has be so called investigating this far to long. I 've even sent them my police report that I obtained back in XX/XX/XXXX for Identity theft after I found out that someone else had accounts in my name that I found out about after pulling my credit reports. They still have yet to reach back out to me or respond in any kind of way.
There are several inquiry 's on my report that are not mines. I have written and called all the companies and I am being told that they show nothing on me nor do they see any applications that have been applied for under my social security number. A few said they would send me out a letter stating such and the majority has told me or referred me back to the credit bureaus for removal. The credit bureaus have told me they can not removed inquiry 's without a deletion letter from the company or a police report stating I was a victim of identity theft.Just need to know what can be done to bring resolution to this matter for me.
Equifax refuse to report my XXXX installment accounts. I have XXXX XXXX XXXX credit cards and XXXX XXXX XXXX auto acct and they are not reporting these paid accounts. I have contacted Equifax and they said they only report what 's given. XXXX XXXX states they have sent all of my acct info to Equifax. My credit score is low because Equifax want add these accounts. Equifax will report negative accounts quickly but wo n't report my accounts in good standing. They told me I couldnt dispute because the accounts must first be on my credit report. 

Equifax is n't working for me as a consumer. They report inaccurate info or what they want to report and it 's quite unfair.
Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681. In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.
XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XX/XX/XXXX & included in Judge 's discharge. Correct. Ditech buys mortgage in XX/XX/XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XX/XX/XXXX where there involvement did n't start until XX/XX/XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & Ditech accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake Ditech refuses to correct.
This is the second time it has happened ... ..and it is every time I make a payment for both months ... 

Navient has again, wrongly applied my federal student Loan payments ; loan ID ; XXXX, XXXX and XXXX to an unknown loan ID XXXX, without authorization. I've asked Navient by email to correct the error of the payments for XX/XX/XXXX, and XX/XX/XXXX  and re-allocate the payment made to the unknown loan XXXX to the loans ID : XXXX, XXXX and XXXX for those months accordingly. Please find below details of the checks that were supposed to be applied to Loan ID : XXXX, XXXX and XXXX : Cashiers check # XXXX, payments for XX/XX/XXXX,  was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the copy of the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? Cashiers check # XXXX, payments for XX/XX/XXXX, was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? They've suddenly decided to divert my federal student loan payments to an unknown loan and charged me late fees for it??? 

I've included a copy of my past complaint ( ID XXXX ) and also the proof the checks i sent with instruction for which account and months!
Wo n't return my escrow, even though I 've asked for the balance for over 14 months. In addition, unsubstantiated {$90.00} per month fee. Have submitted documentation multiple time without satisfation
There is a mortgage account I had with USDA that was discharged in bankruptcy in XX/XX/XXXX and it still shows on my report. It should have been deleted. USDA instead, after my continued disputes, updated the account to show that mortgage was included in Bankruptcy in XX/XX/XXXX. The account has been re-aged and shows payment history, etc. from XX/XX/XXXXon. Please see documents I am including with my complaint that fully explains the ongoing dispute, with both USDA as well as Experian. Both parties are refusing to rectify the situation even though they know the information is inaccurate and should be deleted. USDA, as you will see, acknowledges the actual date of bankruptcy, i.e. XX/XX/XXXX as well as the fact that the mortgage was discharged, but still refuses to remove it from my account. The only data that should have been reported from XX/XX/XXXX on should have been a XXXX   balance and an IIB status -- which never happened.
My name is XXXX XXXX and XXXX  is reporting an account that I never had with XXXX XXXX XXXX. XXXX. This has been disputed several times and it has been disputed several times. I have never had an account with XXXX
Three weeks ago I applied for a loan online. In a few minutes I received a phone call from XXXX XXXX. They told me for {$14.00} they will pull my credit reports, review my request and get back to me. I waited three days never received an e-mail or phone call so I contacted them. They said they could n't get me a loan. I asked why, and they did n't tell me just hung up.. Very non profressional. Very rude and crude. So I thought the matter was over. Now three weeks later they are charging me {$110.00} for not doing a darn thing for me. I never wanted to join and I did not enroll in any their programs. I called them and got the total run-around. They said a rep would call me back. A week later I have n't heard anything. Please get my {$110.00} refunded. They are quick to take your money but now I ca n't even talk to anyone there. Thank You XXXX XXXX last 4 of my social XXXX
THE INJURY : Ocwen Loan Servicing , LLC ( OCWEN ) services my personal mortgage. OCWEN ( formerly GMAC Mortgage ) has serviced my mortgage since Origination in XXXX XXXX. 
In XXXX and early XXXX XXXX, I contacted the XXXX Credit Bureaus respectively regarding OCWEN 's incorrect trade line data. 
OCWEN is reporting XXXX MORTGAGES - I only have XXXX Mortgage ; which has never been transferred. 
OCWEN is reporting the Mortgage as CLOSED as of XXXX XXXX. 
OCWEN is reporting payments through XXXX XXXX - yet the Account shows CLOSED. 
Several Disputes and Reinvestigations were filed. The Updated Information did not change the Account status to OPEN. 

As of today, XXXX XXXX, OCWEN is reporting my mortgage in duplicate and as closed to the Credit Bureaus. 

On XXXX XXXX, XXXX I sent the Credit Bureaus the Verification of Mortgage and Credit History Letter I printed from OCWEN 's Customer site. 
On XXXX XXXX, XXXX I contacted OCWEN directly via phone to the Ombudsman 's Office requesting help to resolve the Credit Reporting Error that was still occurring. 
I was instructed to send a written request, which included copies from each Credit Bureau showing the OCWEN Account trade line. 

On XXXX XXXX, XXXX, I received written notification from OCWEN that " XXXX XXXX # XXXX was submitted to the credit-reporting agencies to report the line of credit as open ... It could take XXXX days for the bureaus to update their systems ''. 
On XXXX XXXX, XXXX I forwarded OCWEN 's letter with the AUD # to the Credit Bureaus. 
On XXXX XXXX, XXXX I contacted OCWEN notifying them the error was not corrected and I was still being impacted by the error as I was unsuccessful in refinancing my home because of the error ; nor would OCWEN refinance me. 
I stated that I felt " trapped by OCWEN ; because [ OCWEN ] wo n't refinance me ; and is telling everyone else I do n't have a mortgage to refinance ''. 
The corporate analyst I spoke with told me OCWEN had completed its ' obligation to correct the error as the XXXX '' was sent to correct. 

THE INSULT : The Credit Bureaus updated the OCWEN account to show 30 days past due based on updates received the week of XXXX XXXX. 
How is it that OCWEN can expeditiously communicate a late payment within 30 days ; yet has been unable to show my mortgage as an OPEN account after 60+ days and at least a XXXX attempts. 

I am unable to refinance my home because of the reporting errors caused by OCWEN. 
The Mortgage Account shows Closed - Negative Impact on FICO & BEACON score The Mortgage Account shown as XXXX Accounts- Negative Impact on FICO & BEACON score. 
The Date Open is incorrect as XXXX rather than XXXX - Negative Impact on FICO & BEACON scoreAs of today, XXXX XXXX, OCWEN is reporting my mortgage in duplicate and as closed to the Credit Bureaus. 

I need assistance to either get OCWEN/Credit Bureaus to report the information correctly ; or assistance in having the Credit Bureaus remove the incorrect information which is severely damaging any opportunity to refinance my home. 
I have attached copies of the request sent to OCWEN on XXXX XXXX ; which included copies of the OCWEN account from each Credit Bureau.
On XX/XX/2018, I paid online for a scooter from a company called XXXX XXXX based in XXXX. I used my Citibank credit card thinking that the advertised purchase protections would cover my back if the merchant was dishonest. The purchase amount was over {$1500.00}. After making the purchase the company tried to upsell me and I refused and asked for a refund since the merchant refused to ship the product to me. They indicated they would issue the refund on XX/XX/2018 but never did. I contacted Citi on XX/XX/2018 to handle the situation. They provided a temporary credit. After waiting almost two months, Citi sent me an email on XX/XX/2018 indicating that there was a letter for me to review. The email made no indication that I had to provide anything. I logged into their website and downloaded the letter which was a letter from the merchant asking their bank ( not Citibank ) to not charge additional fees on top of the chargeback that Citibank instituted. The merchant did not contradict any of my claims and further indicated a desire to issue a refund. Although Citibank 's message to me did not indicate a need to respond, apparently they prepared a second letter, that was not clear from the message, that requested I provide a signed letter in response to the merchant 's message even though the merchant agreed with my claims. They provided no guidance as to what should be in the letter since the merchant was agreeing with me. Citibank gave me only one week to respond and I didn't know I had to respond at all since no additional information was requested. The next month Citibank reversed the credit and left me with a {$1500.00} charge and no product. I called to inquire and they said my time for a dispute had expired and there is nothing they can do. They were the ones that chewed up all the time and yet I'm stuck with no product and a large charge. I complained that their communication to me did not indicate a need to respond since the merchant agreed with my claims. They proceeded to hide behind statements of policy and tried to blame Visa for the restrictions. But Visa didn't take a month to respond. Even though Citibank claimed to have " investigators '' looking into the issue, they didn't investigate anything that resulted in my getting my money back. 



Their claim to have purchase protections for consumers is simply false. I had a problem with a chargeback with XXXX XXXX a few years back and it was amazingly simple to do and resolve. But Citibank seems to want to cloud the issue with inaccurate stories and claims of restrictions on what they can handle. They shouldn't advertise purchase protections and then run the clock out just so they can claim the time period is expired.
I tried to use a Visa Debit prepaid card with the four digit number and it did not work. I also called the company using the " XXXX '' # on the back, the person who answered asked for a 16 digit # on the back of the card. I gave him the # he asked for the value of the card, I gave him that information. He said to use the last 4 digits on the front of the card as the pin #. Once again it did not work. I used a different " reliable '' previously used debit card returned back some of the goods and paid the bill and left.