WillisBack/dataset-financial-user-claim huggingface dataset:
Guaranteed Rate is raising my mortgage payment by {$700.00} a month because of the projected escrow amount. My 2014 taxes were paid in one installment rather than two, and they are viewing as only a half year payment and therefore doubling the projected tax amount. I have called numerous ( 6 ) times and spoken with representatives that tell me there is nothing they can do to fix the projected escrow amount even though I have faxed in all of my tax information, to which they also have access to via the XXXX county treasurer.
TransUnion is reporting my XXXX student loans multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total of XXXX bad accounts. Their newest reporting caused my credit report to dive by XXXX points in 30 days. In truth, the XXXX accounts have been transferred to a new company & are all in positive standing. They are also reporting different spellings of my name that need to be removed ; I have never requested credit under the other variations. TransUnion has been doing this to me for yeeeeeeeeeeeaaaaaarrs. I 'm pretty fed up with their unfair reporting.
we lost our home due to the countrywide scandal.we could not/were not allowed to refinance our home loan due to a XXXX on our house held by a third party. for over XXXX years bank of america was completely resistive to helping and ulimately we lost % XXXX in our equity and our home.we have tried many times to get help through the white house with no results.we appreciate anything you can due. thank you.
my husband and I are having hardship now we are two payments behind on our payments aand Selene finance wants us to pay over a thousand dollars and XX/XX/XXXX payment of XXXX and tis is not possable for us, we also found out that they have our loan now as being over XXXX after all 19 yrs, we started out in 1997 with only XXXX Ica n't understand how they did this to us. please try and help, thank you XXXX XXXX
I sent XXXX XXXX XXXX o And Experian multiple requests regarding the removal of an old mark on my credit from XXXXAccordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
I received a notice from my employer that I was having my wages garnished from Midland Funding LLC.
I do n't know who this company is or who they represent as this is a collection company.
This legal notice says, " The total amount due is {$5200.00} for a judgment that was entered on  XXXX - XXXX -09.
I never received a notice of Judgment in 2009. I do n't know who the original creditor is.
I asked for records from Midland Funding as to who the original creditor was, they were not able to give me this information.
I want this wage garnishment stopped.
I do n't owe any money to this collection company.
I would like a copy of my original contract from the original creditor showing I actually owe this kind of money from 7 years ago and later.
The statued of Limitations is up on a debt this old, as well as a " Timed Barred Debt '' according to this States Attorney Generals office.
How can a company I do n't know garnish my wages without me knowing about it.
I do n't own this money and want this Judgment removed from all of my credit reports if it is on them, as I do n't see this.
I want this wage garnishment stopped immediately before any month is taken from my paycheck. If money has been taken by the time this letter reaches you, I want all refund of moneys paid.
This is wrong collection practices.
I have been receiving excessive mail for two different people at the address I 've lived at for several years now, from Bank of America. I 've sent them back unopened, " Return to Sender and eventually " Cease and Desist '', which temporarily resolved the issue but now I have begun receiving credit card offers for these people again today. I finally opened one of them and spent 21 minutes on the phone today trying to resolve it and eventually hung up. I am beyond frustrated in exhausting my efforts and throwing away mail for them as well. They 've ignored my Cease and Desist requests and are now harassing me again and they make it impossible to reach anyone on the phone. I have no business with them and do not receive offers for myself. XXXX XXXX XXXX nor XXXX XXXX do not live at my address and I want the mail to cease immediately.
I ordered a table top game from XXXX and the person never sent the English version of the rules and charts that he promised.
A debt collector called my boyfriend telling him to have me call them. 

The contact information given was XXXX XXXX at XXXX ext. # XXXX. I was instructed to call by XXXX.
I got a student loan through XXXX XXXX XXXX XXXX to pay for a 12 week XXXX XXXX course through the XXXX XXXX. I did not receive the 12 weeks of XXXX XXXX education, job assistance, and the certificate that I paid for. I believe the XXXX XXXX is a scam and a fraud.
Equifax NOTICE OF DEFAULT ACTION XXXX REF : alleged XXXX XXXX/XXXX   faulure to comply with the FCRA, FCA to a request for information. On XX/XX/2018 I emailed as per enclose documents to, XXXX has failed to provide any thing to me this is a official statement of fact. You Equifax are required by law to remove this alleged account for there failure to comply, warrants removal immediately. Please do so. All response will be forward to the CFPB for violations. This alleged account was disputed to both of you
someone has tried to steal my identity and tried to open credit cards in my name. there was XXXX hard inquires on my credit report from XXXX, cbna, and XXXX all done on XX/XX/2016 I sent dispute to Equifax and they said that they could do nothing that I would have to dispute with credit card companies. I called the companies and they could n't find a record of it except XXXX. so far they have not been removed.
I received a collection notice fro m Hunter-Warfield claiming  that I owed {$700.00} principle and {$51.00} interest. The debt was supposedly being collected on behalf of  XXXX   XXXX   XXXX , the owner of an apartment I rented, the notice was dated  XXXX / XXXX / XXXX .   I moved out of the apartment in  XXXX   XXXX , the end of the lease, and the property  manager  told me everything was fine and I did n't owe anything. A year later I received the collection notice. I called Hunter-Warfield and requested a copy of the contract, and validation of the debt, which they are required by law to provide, according to the Fair Debt Collection Practices Act (  15USC1692  ).   On  XXXX / XXXX /   XXXX     Hunter-Warfield  admitted over the phone that they do not have the contract or validation of the debt. They told me they would stop trying to collect, and would contact the credit bureaus to correct the situation. They said they are unable to provide a written statement that they have done so, and they also are unable to close my case, all they can to is stop trying to collect.   They claim that they are unable to cancel the collection. If they do n't have the contract or validation, they have to cancel the collection.   I am pretty sure that in 6 months to a year they will attempt to collect this debt again, that is why they wo n't provide a written statement or close the case. They were illegally trying to collect a debt that I never owed, and they certainly never had any evidence that I did, and they are keeping the case open so they can try to harass me again in the future.   I am certain their response will be " company believes the complaint is a result of a misunderstanding ''.
i have a couple medical bills reporting from collection agency i asked for proof of accounts and i never received docs on this this accounts and they still shoeing on my file.
I have two issues. First being that Toyota Financial Services for Car Loans has changed when you are able to make a payment. For example, if your due date falls on the weekend, you are no longer able to schedule your loan payment on the weekend. The payment has to be scheduled at some point during Monday through Friday. Otherwise, you are considered late, if the payment is made after your due date AND past the " grace period '' that they allow. The primary and I were never notified of this change. I feel that the non-notification and the change are deceptive, unfair, and pose a huge FCRA risk as the customer can be reported past due to the CRAs because of the lack of awarness that TFS failed to provide for the payment scheduling change. The second issue that I have is I was in XXXX over the last 4 weeks and needed to make my XXXX XXXX car payment. When I clicked on " make a payment '' I would receive an error message or it would time out. I tried this over a course of 7 days and on different devices ( iphones & ipods ). I understand that I could have scheduled the payment before leaving but I assumed, in the XXXX century that we are in, TFS 's site would be capable of handling my request from over seas. However, I learned thats not the case. Yes, I could have called TFS but it costs an arm and a leg to call and there is a XXXX hour difference. I had to ask a friend in the US to login and make a payment on my behalf. I should n't have to do this. I also feel that this is misleading and deceptive. A way for TFS to charge a customer a late fee and report them potentially past due to the CRAs. 

Sent from my iPhone
The two companies that are involved are XXXX XXXX XXXX, representing XXXX XXXX, which took place on XX/XX/XXXX,  where they are claiming that I owe them {$25.00} for medical services rendered on their behalf. The other company is XXXX XXXX XXXX, who are representing XXXX XXXX XXXX XXXX. Claiming that I have an open, owed account in the amount of {$2100.00} for medical procedures which apparently began on XX/XX/XXXX, for medical procedures provided me. Both are claiming that these are individual accounts that I am responsible for. However, I never received any treatments from either facility without first full approval from XXXX ( state funded medical care. ) Any time I needed any procedures performed, XXXX had to be first notified for approval especially considering my physical and financial situation and no medical procedures were performed or given without their written guarantee of payment for each and every medical procedure. I also had to have prior authorization from my XXXX XXXX XXXX as well as my XXXX to be certain that no treatments would interfere with medications being taken at that time, prescribed by them both, as I am under both their care for serious deteriorating conditions. I had n't even any idea that XXXX XXXX was claiming that I owed for medical procedures as I was never contacted. Not by mail or by phone. I do n't even remember the year that I was called by XXXX XXXX XXXX XXXX, whether it was XX/XX/XXXX or XX/XX/XXXX. The only time I had ever been  contacted was by phone when we discussed that XXXX had pre-approved any and all procedures that I had received. Since I never heard back from them I assumed that the matter was cleared up. It was n't until I checked my credit on XXXX, in XX/XX/XXXX that I even knew there was an open account with a collection agency in my name. <P/>1st collection agency info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX 2nd collection agency info : Works and Lentz XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX
Loan with XXXX XXXXl for auto from 2014. Account was charged off unbeknown to myself until revealed in a credit report. Charge off occurred 10 mths before revealed that it was charged off. Payments were continued to be taken regularly through auto pay & through a rep. No representative from  XXXX ever relayed that the account was in a charge off status. After the 10 mths, I let XXXX know I see that my account was charged off. Payment arrangements were made to get account out of default status. After 1 month of paying according to XXXX 's terms ( payments were satisfied, according to what they arranged ; this was a weekly payment of the total of car payment ), XXXX sends a letter of repossession to be made within a week after letter received. I am completely unsure why a repossession was placed on the vehicle, as their payment arrangements set were to be made to take the car out of default. Afterwards, I was set to make my regular monthly payments, as agreed upon. I now have a week to come up with some amount they have set, before repossession. But, I have met their previous terms. Not sure why a repossession is now in place. Just does not seem as if this process is going fairly.
I noticed a Judgment and a Collection account on my credit. I disputed it with Trans Union and told the that they are confusing me with my son. Trans Union continues to report this information on my credit. I have been denied credit due to the deformation of my credit
I have recently fallen behind on my mortgage. I have made small payments in an attempt to catch up. My mortgage servicer which is 21st mortgage has at out refused to do anything or work with me. In fact anytime I call them all.they do is insult me. The insulted my XXXX husband saying he made poor choices in life by becoming XXXX. They also told me I was wrong for laying my electricity over them when my husband has a medical need for electricity. I have never been talked down to in a manner like this before
This company ( CBE Group ) calls at least 3 times a day. Morning, Noon and Night. When ever I pick up the phone they are never there. They have been calling for the past month. At one time I did finally speak with someone but they asked for someone who I did not know and then they requested my social security number. I refused to give it to them, and they have not answered the phone since - in spite continuing to call 3 times a day.
I have on multiple occasions, filed a dispute with ChexSystems for XXXX ID XXXX due to identity theft. I disputed {$61000.00} reported by XXXX XXXX XXXX from XX/XX/XXXX, {$720.00} reported by XXXX XXXX from XX/XX/XXXX and {$290.00} reported by XXXX XXXX and XXXX on XX/XX/XXXX. These XXXX accounts were fraudulenty opened in my name and without my permission. in the case of the XXXX XXXX and XXXX, the account was opened in a name similar to mine, but with a different social security number and reports an address I have never lived at - XXXX XXXX XXXX XXXX, XXXX, TN XXXX. In support of this dispute, I submitted the FTC Identity Theft Report I filed, which clearly proves I am the victim of identity theft with regards to these three accounts. ChexSystems refuses to block and/or remove that information pursuant to the FCRA.
In 2007 While I was being treated for XXXX XXXX My Identity was stolen and my credit cards were stolen I reported it to all of my creditors as soon as I became aware of what was going on However none of the creditors were willing to help. Instead they reported and sold the accounts to collection agency 's. The collection agency 's have seine sold the paper to other collection agency 's. I disputed the the debts with the credit reporting agency many times the dates are inaccurate the accounts are over seven years old They were caused by Identity Theft and I did not benefit in any way. I locked my credit report for several years I have been unable to resolve the issue with the credit reporting agency. Mean while I have been harassed and threatened by the collection agency 's I am on SS XXXX and have been for over seven years. This has caused me great hardship as I can not even qualify for an apartment to live in. All of my Student loans have been discharged yet the reporting agency continues to report them as in collection.
During the equifax data breach, they created a site to check if I was affected. However, the site includes a search that does not work, and automatically opts-in to their service along with the terms of use without an option. 

I did not want to opt-in, only to find out if I was affected. I have already had unauthorized use of a credit card.
I 've recently contacted both credit Bureau and credit company and none were no help to me. I recently contacted equifax several times through letters, online disputes, and phone and advised them of the fraudulent inquiries that were on my profile that I did not authorize and recall doing. I know their was a fraud alert on my account that indicates anyone who runs my report needs to contact me via phone and that was not done which violates my rights as a consumer. I am really upset and tired of trying to get a hold of some one who will actually help me with these fraudulent inquiries. I have not yet heard response from neither letters and online disputes. Below are names and dates of reporting companies that pulled my report with out my authorization and that I consider fraudulent. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX
United Guaranty XXXX XXXX XXXX of North Carolina, has come after me for a property that was foreclosed on in XXXX. The original loan was with XXXX XXXX as Account # XXXX and is currently listed on my credit reports as foreclosed. XXXX XXXX indicated the property was foreclosed on XXXX/XXXX/XXXX and after they sold the property the transferred my account to United Guaranty. I had NEVER received anything from United Guaranty and do n't know why I would owe them anything since the house was foreclosed on, the property was redeemed, I received a cancel debt XXXX to report as income in XXXX. They have now transferred the written off, cancel debt to another malicious collection agency called XXXX XXXX XXXX. This company has now redated the debt, added thousands of $ of interest and put on my credit report account stating that I owe them {$43000.00}. United Guaranty/ XXXX XXXX XXXX and XXXX XXXX has the same debt listed on my credit report! Different Dates, different amounts and different companies that I supposedly owe. My complaint is that they are willfully and maliciously reporting false information to my credit report. ( XXXX ) companies have the SAME information reporting on my credit report and according to FDCPA 807. False or misleading representations- these companies United Guaranty XXXX XXXX XXXX and XXXX XXXX XXXX are clearly violating my rights. I am requesting that because they violated my rights and addition I believe my loan may have been apart of the sham kick-back scheme XXXX : XXXX ). 

I am desperately seeking your the help of the Consumer Financial Protection Bureau to get this information deleted from my credit reports.
My bank in XXXX sent me a large wire on XX/XX/XXXX, which usually takes 2 business days to be received by my credit union here in XXXX. The transfer apparently went through Chase 's centralbank in XXXX XXXX. We did n't know this until a week after the money was sent and I still had n't received it. We had to run 2 traces on the money until we finally received some responses. Chase in XXXX  was holding the money. Why, we were n't told. We had to run an investigation from my bank to find out Chase was holding the money, because supposedly it was sent with the wrong code and was n't convertible. Mind you, I have received wires from my parents before and there were never any issues. After having received no communication at all from Chase, the money supposedly got sent back this week on XX/XX/XXXX. The bank in XXXX still has n't received the money back, nor any kind of notification or communication from Chase. Currently the money is missing and the XXXX sender bank started another trace. This is a huge inconvenience and is costing me and my parents a large amount of money in interest ( the money was supposed to pay off my house ) and I may lose my house over this. Not even mentioning the aggravation and worry over where such a large sum could have gone. This whole process has been a mess and there has been little to no communication from Chase
On XXXX 2014 I made my regular schedule payment to Caliber Home Loans with my personal check from XXXX XXXX XXXX XXXX a few months i received a letter requesting payment which I provided a copy of my check payment from my bank. 
recently XXXX payments were made for the month of XXXX on XXXX XXXX and the XXXX which i called Caliber Home Loans to request extra payment should be posted for the month of XXXX. I sent numerous letters and many phone requesting an investigation instead their collector department constantly requesting payment
We have been receiving repeated robocalls all summer from a place called XXXX XXXX XXXX that is reported online to be an alleged debt collection agency with murky practices. We do not owe any debts whatsoever. Our latest call was received today ( XXXX/XXXX/17 ) around noon MST. The recording today ( and each one previously ) does not identify a specific problem, but urges the victim to call back because " this is not an advertising or sales matter '' and describes it as " important. '' Today I called the telephone number back and discovered that a recorded voice gave me two choices : 1 ) if I was " ready to pay my account in full '', I should have my bank card handy to do so or 2 ) I could press 2 to  speak with an operator about the matter. We do not have an account number and we do not owe any money! This is clearly either a scam or they are trying to chase down a collections account from some other person. No matter which situation, I want these telephone calls to cease immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and Equifax for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as XXXX you still have the identity theft. You still showing XXXX credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.