WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I 've been making {$100.00} payments since rolling over my XXXX XXXX to XXXX. I rolled over my account at 0 %. I received a call from XXXX, XXXX XXXX, to readjust a monthly fee from {$100.00} to {$220.00}. I told the representative I had to go over my finances. After hanging up, I made a {$50.00} payment. I checked my account on XXXX XXXX, XXXX transferred {$220.00} without my permission. They also falsely reported I had missed a payment ; which is fraudulent according to both of our record. This has adversely affected my credit score.
Dear XXXX Action Revenue Recovery I called to inquire about the negative they placed on my account. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting service could mail in fraudulent accounts. I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) that Action Revenue Recovery have on file on the account listed below.

I have not been able to show any foundation or establish authenticity or accuracy of a piece of evidence that I owe Action Revenue Recovery or have any contractual obligation to pay them. 
I therefore demand an thorough investigation and a compensation of {$2500.00}, a letter of apology and a complete deletion of my account to all credit bureau.
I would like to file a complaint against a Chase Bank that is located on XXXX, XXXX, CA XXXX for treating customers in an inappropriate way. My son and I were at that mentioned location yesterday XX/XX/2017 at XXXX pm. Their hours show they closed at XXXX pm. We were greeted by a young lady who asked us what was the reason we went there for. We told her that we wanted to open an account. She wrote down my son 's name and we were told to take a seat. We were waiting and there were XXXX groups of people in front of us. At about XXXX, we were told by the young lady that they could n't help us open an account today because they stopped opening accounts at XXXX pm. She suggested we could either make an appointment for another time or come back the following day. When I heard that, I was so upset. She should have told us about XXXX when she knew about the situation. It would not be a big deal for me if we had been waiting for ONLY XXXX minutes, but we had been waiting for half an hour and were told we could n't open an account. They wasted a half an hour of our time for nothing. So I told her I wanted to file the complaint with the manager. She told me the manager was not there so she let me talk to the XXXX teller, who also told us that they could n't help us today. My point is if they already knew the cut off time to open a new account is XXXX pm, why did the young lady not tell us at XXXX? Why did she wait XXXX minutes to XXXX pm to inform us that they could n't help us to open the account today. I have no problem with leaving if we had just been waiting for XXXX minutes but we were waiting for half an hour and were sent home. This is not an appropriate way to serve the public. The reason I am filing a complaint against Chase Bank is because I do n't want them to treat other customers the same way that they treated us. I still think that they should have stayed longer to help us to open the account because we did n't walk into the bank XXXX minutes before they closed. I left the Chase Bank angry and upset.
We have a mortgage with roundpoint mortgage servicing and we have been with them since XX/XX/XXXX, we paid our mortgages regularly every month and on XX/XX/XXXX I got a phone call from XXXX XXXX with roundpoint she let me know that roundpoint dropped the ball and accidentally deleted our PMi from our loan for 2 years! Mind you they review all accounts yearly and they somehow missed this 2 years in a row??? So our mortgage went from {$2100.00} to {$2400.00} for the next 5 years then falling to XX/XX/XXXX after the 5 year period. They are now telling me in XXXX our mortgage will be raised again. We have had several financial struggles after our mortgage increase and now with a future increase we are worried we will now lose our home. All I asked is that they right their wrong and soak up the negative balance that they caused but they refuse.
We are having a huge credit score problem.

Two months ago, I hired a new nanny for my children. We added a credit card for her under our American Express account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by American Express.

Two months later, my nanny 's credit score was completely ruined : It went from XXXX  to XXXX  in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name.

I called American Express to explain the issue. She is an extremely responsible person who had a XXXX  credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )?

American Express again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report.

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do.

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time.

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.
On XX/XX/XXXX, I was notified via email, texts, and phone calls that there were possible fraudulent purchases made on three ( 3 ) of my major credit cards. Of the three credit cards, XXXX, now Barclays, was the only one that rejected my complaint that the purchase, were not mine. The purchase on the Barclays card was for {$1500.00} at the store, XXXX, in XXXX NY. 
When I first received the notifications that purchases were made on my cards I believed that my cards were still in my possession. Unknown to me, at that time, my cards were stolen out of my vehicle. I confirmed to all credit cards that the purchases were not mine. Barclays initially made a refund, but then rejected my claim because that the physical card was used at the store, and stated that they have place the amount back to my card. I later spoke to a representative who told me that I had to make a police report. That is when I did and faxed in a copy to them. 
I also made a fraud alert report to all three credit reporting agencies. Barclays has continue to report my account as delinquent, with interest and late fees added each month. As a results, my credit score has  dropped from XXXX in XX/XX/XXXX to XXXX and dropping because of Barclays report.
After reviewing my credit report today I noticed that here are two reporting on my credit report for the same auto loan from 2010. This is inaccurate there was only one lien taken out on the vecihle went I returned back to the dealership after numerous mechanical issues I expected with the dealer. The lien was paid and should only be reported on my credit report once.
I was working with Webster bank on securing a mortgage loan. I locked in a rate of 3.75 % on XXXX XXXX, XXXX. Throughout the process, we tried a few different loan options, and ended up with a conforming loan for XXXX, and a separate HELOC loan for the remaining amount. Closing was set for XXXX XXXX, XXXX. I was sent a disclosure on XXXX XXXX, XXXX for the conforming loan, with the rate changed to 3.875 %. I brought this difference up with the bank, and they claimed the rate was slightly changed due to the different loan options. At .125 % difference, I decided to drop the issue. On XXXX XXXX, XXXX, 2 business days before closing, I received a closing disclosure for the side loan, with an interest rate of 5.42 %. This was a complete surprise. The last minute change gave me no time to rectify the issue, and I was forced to close with an interest rate that was not agreed upon and not disclosed ahead of time. I have tried to talk to the bank, but they insist that the loan lock did not apply due to different options, and that the disclosure did not need to happen for a different rate.
I signed up for XXXX XXXX to validate my credit information. At the time in XX/XX/XXXX I found four items that were incorrect on my XXXX credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The fourth item was not removed as the company stated that the item was indeed correct and mine. I called, XXXX and spoke with an associate who submitted a new dispute for me requesting that the company, Wells Fargo provide me with proof that the item belongs to me. The dispute was done on XX/XX/XXXX on XX/XX/XXXX, I received and email from XXXX stating the dispute was complete and that the item was confirmed by Wells Fargo. <P/>I called Wells Fargo on XX/XX/XXXX and was transferred four time to no avail. On XX/XX/XXXX. I called Wells Fargo again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from Wells Fargo in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with Wells Fargo in XX/XX/XXXX. Wells Fargo is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX
I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} again. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00}, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra {$3200.00} on my Capital One credit card.This is the charge that I would like help to dispute.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of thousands of dollars and I need your help to try to recover my money.
Credit bureaus, refuse to correct information after being provided proof Trans Union reporting DOUBLE JEOPARDY XXXX XXXX one they both reporting on my Trans Union report XXXX XXXX XXXX should be remove off of my credit FCRA Section XXXX Accordion from Trans Union Investigation Results File XXXX Date issued : XX/XX/2018 XXXX 's was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results
We have a HAMP mortgage since XX/XX/XXXX. It was with XXXX and sold or taken over by Ocwen Servicing when XXXX went out of business. Ocwen is a debt collection agency ; however, we have never been late on our mortgage payments.Whenever we contact Ocwen they treat us like we are delinquent in our payments, regardless of our excellent payment history. 
We have tried a couple of times to get information from Ocwen about the terms of our HAMP loan. We want to know why we did n't get paid {$5000.00} after the first 5 years for an incentive offered by HUD for HAMP loans. There is also supposed to be another {$5000.00} incentive after the 6th year as well as the opportunity to reamortorize our loan. We ca n't get Ocwen to explain anything to us about these incentives or tell us why we did n't get the {$5000.00} when we completed year XXXX on XX/XX/XXXX. They tell us we need an appointment with a representative but they ca n't get us an appointment and do n't call us back. An escalation manager on our call today told us he can call us back in a week to get us an appointment with a representative. This is the same answer we received 3 months ago from them and no one ever called us back. If they service our loan why ca n't they tell us anything about it? Are they getting paid for servicing our loan? This is unacceptable and we 're stuck with this company that is a debt collector not a mortgage company and has awful customer service.
I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies XXXX, XXXX and Experian are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit repot.
I have several unauthorized transactions on my account totalling almost XXXX ... .i called to get this money put back on my account ( my cards obviously been compromised so they are sending a new card ) but they told me they could not put the miney back on my account and I would have to wait until the investigatiin was over well i dont have that type of time to wait for MY money, they obviously can tell it is fraud ( XXXX transactions ) so my money should be put back in my account immediately. Customer service sucks and they need to fix the problem!
On XX/XX/2018 at approximately XXXX, I XXXX XXXX XXXX called all three Credit Report Agency to remove all previous addresses and employment from reporting and just live current address. I called XXXX   and XXXX  and they honored my request without no problem. When I called Experian and spoke to XXXX to remove all previous address from reporting and just live current address, she said that the address XXXX XXXX XXXX XXXX will not be removed because there is a creditor reporting to that address. She said I have to contact them and update my address with them so they could report back to them to updated address and remove address from reporting on ( Experian ) .She was so rude, that when I still was talking with her she put me on hold before making sure I was done talking. I asked her for I.D . or employee number and she refuse to give it to me. I asked her for her last name and she refused. I requested to let me speak with her manager and placed me on hold. She came back on the phone and she said per her supervisor that it is their policy that address will remain on my credit report. I let her know that she is in violation of my rights under the Fair Credit Reporting Act, 15 U.S.C 1681, U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of the consumer information contained in the files of consumer reporting agencies. I let her know that I will file a complaint with the Federal Trade Commision ( FTC ) for  violating my right under the law.
My house is encumbered by a mortgage loan that is serviced by Bayview Loan Servicing. They have been giving me conflicting information and the runaround for over one year and now have set a foreclosure sale date for my home on XXXX XXXX. They have failed to review my recent financial information which indicates a change in income as well as the tax documents that they had requested I provide. I feel that they are in violation of the California Homeowner Bill of Rights and should not be moving forward to foreclose on me without giving me the chance to be reviewed for government and internal programs. 

This is an adjustable rate loan that I took out with other members of my family to purchase this home in XXXX. I am an XXXX XXXX veteran and currently out on a medical XXXX and live here with my wife and XXXX teenagers. I ran into problems because of this bad adjustable rate loan that started going up ( could go as high as 8.87 % ) and was pleased to get a loan modification in XXXX, which lowered my payment a little over {$200.00} a month. We made those payments as agreed for over two years but then ran into problems in XXXX. My daughter, who had been helping with the monthly payments lost her job. In that same time frame I had a death in the family and had to go back to the XXXX and help out with the funeral expenses. And to make matters worse, the person I hired to be the property manager for my rental home was assigning repair jobs to vendors who were not approved with my insurance company -- -which meant I had to come out of pocket to pay them. I ended up going to court over this, but lost. Due to all of these issues we fell out of our approved modification in XXXX XXXX. 

We immediately began reaching out for help at that time, and have literally been going around in circles for 18 months and now find ourselves on the verge of losing our home. We have all of the requested documentation ( past income taxes etc. ) and I also have my military pension and VA Benefits. My wife is now earning more money and I am being approved for medical leave XXXX pay. With these new and increased sources of income, we are in a position that we can afford a fair mortgage payment and this situation could be resolved. Bayview, as a recipient of bailout funds in the state of California, is required to review our current financial circumstances prior to a foreclosure auction sale. This has not happened, and I feel that our dedicated contact XXXX XXXX from Bayview is purposely denying us options. She asks for numerous documents and engages in communication, then tells us we ca n't get any help. Shortly after that we get numerous letters telling us that we qualify for help and to call in and send in our documents for review. It is confusing and wrong.
On XXXX XXXX XXXX. I received a levy on my bank account from a collection agency company that I did not borrow any money from amount {$530.00} and {$120.00} legal fee from XXXX XXXX XXXX. I did not  receive a notice of levy. A final notice of levy and still havent. I called the bank to find out what the issue was and with who and they kept not answering, set up a call back, then when they called back the prompts were in Spanish. However the call back was not set up in Spanish because I do not speak Spanish this happened 4 times. I went down to the bank branch. They say it s the Franchise tax board.Gave me the number. I call California franchise tax board. They tell me the levy was done by the courts but its not the courts its GC services. I call GC services and they lied and they dont have jurisdiction its the Franchise tax board. I went down to the address given XXXX XXXX XXXX XXXX XXXX CA XXXX and they try to tell me what Im looking for is at a different building, its not here I say no it is here and I gave them the case number they didnt want to llok it up but I knew and then they looked into it asking a manager there and the suddnly they knew what I was talking about deceptive practices I know it was done by GC services I submitted the paperwork to dispute the levy according to the Bill of rights GC Services is conducting deceptive collection practices. I ask for the levy info the writ of execution and they say they dont have it I am disputing the issue. They stole this money out of the account. wrote and went to file the documents on XXXX XXXX. I called the number given they told me the bank was supposed to send me the notice of levy and still they havent. GC Services Limited Partnership at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This levy has caused extreme additional hardships. It violated The context of a Fair Debt Collection Practices Act ( FDCPA ) action. claim by a debtor that a third part debt collector has engaged in prohibited conduct in collecting or attempting to collect a consumer debt. It is required that they return the money to me immediately.
THIS IS NOT A DUPLICATE! Complaint # XXXX ( typed this way for security purposes ) was just closed by Experian, claiming that it was a duplicate when IT WAS NOT. WHAT AM I SUPPOSED TO DO WHEN EXPERIAN CONTINUES TO IGNORE MY DISPUTES???!!! They have deliberately waited well over a week to respond and they respond with this GARBAGE. You will NOT intimidate me from moving forward with getting accounts deleted that CONTAIN VIOLATIONS AND INCORRECT INFO. Ignoring disputes is a violation of consumer law! I already know that they don't even do their own investigations ANYWAY -- which is ILLEGAL -- but now they're ignoring my disputes altogether, and this is not right or fair! I am being denied my due diligence in getting accounts deleted that have INCORRECT INFO AND VIOLATIONS! I am EXTREMELY upset at this and DEMAND that you have these incorrect accounts and accounts with violations DELETED IMMEDIATELY!
They are trying to collect a balance on an account that was canceled, but the company continued to bill me. Once the company was contacted regarding this they refused to reversed the charges and referred the case to a collections agency, who has submitted negative remarks on my credit report. Every single other account I have is paid in full and I have no problems paying my debts, but this was not an authorized charge that they are trying to collect and this damaging my credit.