WillisBack/dataset-financial-user-claim huggingface dataset:
Called multiple time attempting to cancel but company only allows you to speak with automotive messages. After inputting personal information regarding my account it stated I didnt have a member ship with them. The company does not allow you to speak with a person to clear issue up.
Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.
I wanted to see I can can get a credit increase on my credit card from chase bank so I asked and at first I really did not understand the girl but I started to listen really hard and I started to pick up what she was talking about. we went through the process and then I was declined and then she told me that after 180 days you can ask for a increase than I told her then why didnt you tell me before because I would of said no I have only had my card for 4 months and at XXXX after 3 months you can ask for a credit increase, but they didnt tell me until me until after the fact and they keep saying that I gave the approval for the go a head to run the credit, these people lie just to run your credit score and are very unprofessional, while talking to XXXX I had asked him to let me speak and he did and when I asked him a question he would not answer back or respond he would just stay silent then he would say why I am letting you talk, he was acting like a child.
Dillards is reporting that I have a balance. When I called. there is no record of me.
My Wells Fargo overdraft fees are ridiculous, no matter how fast I transfer money before the deadline that they gave me they still are overcharging me a {$35.00} fee. My overdraft fee jumped from {$91.00} to {$200.00} In a matter of minutes and the explanation given made absolutely no sense. I complained about them before and it got better but now it is getting worse. I am truly tired of trying to keep up with their fees an now I need your help. This happened today XXXX XXXX. I have talked to many reps with no resolution. Please help.
I am a XXXX veteran on a fixed income. I have a mortgage which is owned by Nationstar mortgage of XXXX, TX. I have paid the original mortgage amount down from {$100.00}, XXXX to {$85000.00}. I have requested the removal of the current monthly PMI amount up to of {$47.00} from my payments. Well, they are requiring my signing of a formatted letter generated by Nationstar mortgage that states that I will be charged up to {$600.00} for an appraisal that they will acquire. Well, from my understanding of XXXX once the mortgage balance reaches the amount of 20 % been paid off that the mortgage company was obligated to drop the PMI. My mortgage is well past that point but they refuse to cancel the PMI. The following is applicable info : :Mortgage Company : Nation Star Mortgage Phone # XXXX or XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX XXXX TX XXXX
I dont know what this exactly is. I tried to open an account and got report from XXXX and Bank of America Missouri came up with an account that was reported for suspected fraud on XX/XX/XXXX. It further states that all amounts have been paid in full and closed on XX/XX/XXXX. I have not been in Missouri for almost 10 years. My Ex Wife lives there and dont know if she tried to open something. 

Bank of America Missouri XXXX. XXXX XXXX XXXX XXXX, MO XXXX RTN : XXXX Acct : ending XXXX Amount {$3400.00} Closure Status : Paid in Full I have never had any accounts with Bank of America during this time nor was I living in Missouri and am currently dealing with someone stealing my identity in XX/XX/XXXX. I have other accounts that were opened and was incarcerated in XX/XX/XXXX until XX/XX/XXXX. 
How can I have this removed so I can open a checking account? 
There is not any number to call or anything regarding this. Please Advise Thanks
I was not aware when I first entered repayment. Because of this, I fell behind in my payments. The monthly payments ( without the late fees ) were already impossible to make without assistance ( approximately $ XXXX/month ). When I spoke to Citi, they told me " ask your cosigner ''. I informed them that my cosigner 's financial situation had changed and could not help me. I asked if there was a way to change my monthly payments or to return my late payments to the principle so I could try to make my payments. Every time I was told no, there were no options for me. When they asked why I was behind, I explained that I already was struggling to make the basic payments and they responded by offering that I could do a payment plan where I pay more each month until I caught up. I explained every time that I work XXXX hours a week and only take home {$250.00} a week. During these hours, I can not answer my phone, but they never would leave messages so I had no way of knowing who was calling or what was happening. Every time this was explained, they said they would make a note on the account, but nothing ever came of it. Citi began threatening me that the account would be charged off and I had to pay over {$2000.00} immediately every time I called to talk to them about the loan. Because of these problems, they referred the debt to a collection group, but did not sell the debt. I spoke to the collection group and was told I had to either pay {$21000.00}, lump sum, or monthly payments of {$720.00}. I tried again to call Citi to try to come up with a repayment plan with them. The loan was still in their possession but they would not discuss the loan with me and kept directing me to call the collection group, telling me that the debt had been charged off. I asked the representative directly if Citi still owned the debt or if they had sold it to the collection group. I was told yes, Citi still owned the debt and that the collection group was only collecting for them, but Citi still refused to speak to me about the debt. I have XXXX to make it possible to live a normal life. Because of the extreme debt burden, I was XXXX.
My student loan company, Navient, has been recently increasing my interest rates significantly, consequently preventing me to pay off my loans. I have asked them multiple times over the years to help me with consolidation or to stop increasing interest rates considering I make timely monthly payments every time, and time after time I am being declined their support. With my 9 % interest rate I will never be able to pay off my loans and I will be stuck in this terrible debt forever. The more I pay the more interest rates go up and I am not asking for loan forgiveness I 'm just asking to make my interest rates more humaine.
On XX/XX/XXXX 3 charges {$100.00} each were posted to my account.

I reported charges as unauthorized.

My claim was denied without any reasons stated.

When I request a charge, an e-mail is sent to me within minutes.

This time no e-mail messages were sent, this indicates an inside job.
Chase has impacted my credit by sharing and selling my student debt with a third party company such as XXXX XXXX XXXX. This information reported by Chase has been inaccurate. My account was transferred from Chase to the XXXX XXXX Loans. This in turn has led to XXXX XXXX XXXX to continue to collect on my account even though it was never under their ownership. The XXXX has taken ownership of this account when it was with another other holders Chase, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped XXXX from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. In addition, Chase has reported negative errors on XXXX occasions on each credit report. This appears that I have XXXX accounts with Chase on my credit reports which is inaccurate. My student loans were consolidated into XXXX loan for over 10 years.
I submitted a request to Equifax to remove two unauthorized ( XXXX, XXXX  XXXX ) inquiries off of my credit report. They said they investigated and they were actual and I should contact the account holders, I submitted this to the other bureaus also, with the items being deleted. These were unauthorized without permissible purpose, and the bureau is held accountability for accurate items, how was their investigation now successful in a deletion, did they fully investigate? This bureau is a common name nowadays with consumer breaches and consumer files.I want these items removed or supply me with how they investigated and provide me the proper paperwork with my signature authorizing these accounts.
On XX/XX/2018 at approximately XXXX XXXX ( eastern ), I ( XXXX XXXX XXXX ) called LJ Ross ( XXXX. XXXX XXXX , XXXX, XXXX XXXX, XXXX, MI XXXX, XXXX ) and asked to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I related to XXXX that I was unhappy about the communication that one of his representatives had with my father ( XXXX XXXX XXXX ). I advised XXXX that someone called my house last month and that they shared the debt amount ( {$1600.00} ) and the debt originator ( XXXX XXXX XXXX ) with my father via oral communication at my home phone number of XXXX. 

I asked XXXX to research who made the call, XXXX stated that the call was made by XXXX on XX/XX/2018 at XXXX. I then asked him why they would share that information with my dad. XXXX said that my dad must've said he was me. I advised XXXX that my dad would not do that. 

I then asked him that when I call the XXXX # to call in, that I am asked to verify my LJR Account # ( XXXX ) and the last four of my security number every time. And I asked him why his representatives when calling out, don't follow that same practice. XXXX stated to me that he was unaware that the touchtone prompts at the XXXX # ask for a persons last XXXX of their social and then said that they do verify name and addresses, but don't always verify the date of birth or social security number when calling. 

I am highly upset with their practices and sharing the information with a third party. As I informed XXXX that it severely impacted my relationship with my father and that because of this ; I will be filing a complaint. He said that he will look into it.
A voicemail was left by XXXX on my clmobile phone. I was in a meeting and listened to my messages. The collector stated that he wanted to pick up the collateral. Now everyone at my work knows my business. I had contacted the company to let them know once I receive the notice of intent or demand letter that I would either bring cure current or surrender unit, but only after I receive the demand letter. I have a copy of the voicemail saved on my phone. I spoke with the repossession manager and advise him what his collector had done and he advise that he listened to the voicemail and no FDCPA or CFPB laws were broken. I, myself work in the XXXX field and formerly in the XXXX XXXX field. I am familiar with FDCPA as well as CFPB.
An agreement was made with the company the matter has been taking care of and the account is closed im no longer liable for the account however its still showing up on XXXX and XXXX as open and negative. XXXX is the only one that updated the account correctly and closed it out.
Wells Fargo refuses to list positive payment history on credit reporting to XXXX, XXXX and XXXX credit bureaus. The loan was modified and payments have been on time for over 2 years. I have attempted multiple times by phone email and in person to fix my credit reporting
XX/XX/XXXX, I have purchased an XXXX from XXXX XXXX paid in full. They kept sending me bills saying I have't not paid even though my credit card statement said otherwise. With months of back and forth with the company, they finally told me they have resolved the issue. However early XX/XX/XXXX, they sold my supposed debt to a collections agency and ever since then I have been harassed by them at least twice a year. I have send certified emails to these debt collection agencies saying I do not owed anything and yet they kept selling my supposed debt to other collection agencies. 

Recently XX/XX/XXXX, I got a mail from XXXX XXXX XXXX debt collection once again saying I owed this supposed dent. I once again send them a certified mail saying no I do not owe. XX/XX/XXXX, they send me a mail saying they reached out to XXXX, their client and their records indicated that I still owe and need to provide them with proof. Which I have credit card statements and payment confirmation from XXXX that I have already paid back in XX/XX/XXXX. This is emailed to them and will also send a paper copy via certified mail. 

The supposed debt i owe is XXXX. Please help me to stop convergent from harassing me repeatedly when I do not owe money to them or XXXX.
i disputed this debt on my credit report and this company validated debt. Original creditor advised that this would be removed and sent me a letter stating such. This company mailed me specific medical information about my medical treatment as well as a XXXX XXXX XXXX 's surgical information as well both in violation of HIPPA and State Privacy laws. And lastly, upon clearing up the matter with my doctor and insurance company, CMC INC validated the debt with XXXX and XXXX and continued to report erroneous information which prevented me from obtaining insurance.
On XX/XX/XXXX I purchased my home in XXXX, CT for $ XXXX. I took out a loan with XXXX for $ XXXX. InXX/XX/XXXXour family began to experience financial hardship. We have a daughter with XXXX XXXX XXXX XXXX. She has been hospitalized in the XXXX XXXX and XXXX XXXX over 6 times by the age of XXXX. I contacted XXXX about a loan modification. On XX/XX/XXXX XXXX denied my request and in XX/XX/XXXX my loan was sold to XXXX XXXX XXXX. For two years, with the help of Attorney XXXX XXXX, I tried to get a loan modification with XXXX XXXX. They kept prolonging the process because of missing documents, etc. They were a very disorganized company. In XX/XX/XXXX the loan was sold to XXXX and I had to go through the loan modification process all over again. In early XXXX I hired XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, to help me with the loan modification process and to try and keep out house out of foreclosure. Then on XX/XX/XXXX the loan was sold again to Rushmore Loan Servicing. I worked with Rushmore for a year to try and get a loan modification. In XX/XX/XXXX, I had a scheduled court date with Attorney XXXX XXXX. He was a no show and later that week I found out through social media that XXXX XXXX XXXX was no longer able to practice law. His paralegal kept sending me email notifications that XXXX XXXX would do right by me and my family. The night before the court date, I received a text from Attorney XXXX  that he would be at the mediation. On that court date in XX/XX/XXXX, where I had no representation, Rushmore came back with a loan modification offer which was higher than what I was originally paying. Without representation I feared the house would go into foreclosure, so I went to family for assistance with the loan mod payments and accepted Rushmore 's loan modification offer. At the beginning of XX/XX/XXXX we listed the house for sale. There has been minimal activity with no offers. We are now in a situation where we need to do a short sale because there is a second line of credit on the house with XXXX. XXXX made an error and recorded the lien twice on the house with the town of XXXX and I have asked them to rectify this. There is no resolution with that as of filing this complaint. Rushmore provided me a pay off amount of {$310000.00} onXX/XX/XXXX and then changed the payoff amount to {$310000.00} on XX/XX/XXXX. We have made two mortgage payments of {$2300.00} and we made a payment of {$4700.00} in XXXX so I do n't understand the justification for the {$2000.00} increase within a three week period. As you can see from all of these facts, the whole situation is a complete mess and I am in need of help.
I have disputed credit information for some time. I have now provided you with information on the mortgage company under complaint # XXXX credit bureaus are not conducting an investigation, even though I have provided them with documentation that the information they have is incorrect. 
I have challenged wrong accounts three times. 
They only wait for the company to respond and say the information on the account is correct, and do nothing more.
In  XX/XX/XXXX  , I  borrowed  XXXX  from  XXXX   XXXX  to pay for my  XXXX . I began to pay back in the lat e  XX/XX/XXXX . A lthough I had periods of deferment and forbearance due to unemployment,   caring for my  child  an   d elderly parents, I s till have paid over 50K to  XXXX   XXXX   XXXX  Navient. Although I made payments to  XXXX   XXXX  before   XX/XX/XXXX ,   Navient reports that they do n't have records prior to   XX/XX/XXXX .      I also worked at   XXXX   XXXX   from  XX/XX/XXXX   through  XX/XX/XXXX   with a period of  XXXX  leave. I worked for    XXXX   XXXX   a nd  XXXX   XXXX   XXXX .     I would like to settle my balance but  Navient  insists that I still owe 41K+.   As I 've pointed out to Navient, I 'm  XXXX   years  old. This loan is most likely to outlive me yet they refuse to speak to me about a reasonable pay off. Additionally, I 'm paying for my own child 's tuition. I very much want to be done with this nemesis but the Navient reported balance strikes me as nothing more than usury.
I have disputed these accounts and Equifax refuse to remove them. I have submitted the required documents several times. XXXX and XXXX have removed these accounts months ago. 
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
I pulled my credit report, and there are XXXX inquiries, of which I did not make. I sent a letter by fax asking hat they be removed, and I also called Experian directly and spoke with XXXX. He said that I would have to have a letter from each company stating that I did not request these inquiries to have them removed.
I have sent in dispute letters on several different occasions asking the credit report bureau ( Equifax ) to mail me out documentation that shows that XXXX accounts belong to me XXXX XXXX XXXX, XXXX and have not received documentation. The first dispute letter I sent was in XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 in which I have n't received anything in the mail but can log into the Equifax dispute center online and was able to review a letter from Equifax stating the account has been verified but with no documentation listed. I have mail out dates starting back from XX/XX/XXXX but yet to receive anything that states this is my bill and should be on my credit report. I also called and spoke with a representative that advised me that the accounts were verified over the phone with account holder and I thought that 's not how an account should be verified, I need some assistance with this situation because I am being ignore by Equifax and need documentation to prove that the account has not been verified by the bureau ( Equifax ).
Discover Student Loans claims they have become the servicer of a loan in my name. I have not been receiving bills regarding this loan previously so I was suspicious and called them in XX/XX/XXXX and again in XX/XX/XXXX asking for them to send me a copy of a master promissory note to verify that the debt is legitimate. They told me both times I would receive it within 7-10 business days but I have not received it either time. They are now reporting this account to credit agencies.
My amount was overdraft .XXXX cents. They charged me {$35.00}! It was in the overdraft state for a day!
This complaint is in regards to XXXX ( Resurgent ), along with XXXX ( XXXX XXXX XXXX ). Upon researching, The alleged current owner of the account is XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX, dba Resurgent Capital Services. With this being said, in the complaint # XXXX, there is NO MENTION of an open account, which is in the body of my complaint. My direct statement, made to a government official, on XX/XX/2018, via the XXXX  portal is. '' Also refer to case # XXXX. I never received communications from said debt collector in regards to this account. According to my credit reporting files, Debt collector began reporting said account in XX/XX/2018, I was alerted by my credit report this is reporting as a debt collection as on XX/XX/2018. I was never notified by this company, therefore, this debt collection is invalid, and must be immediately removed, and reverted back to the source of original alleged debt. Also, according to my records, I have not received a phone call in regards to this matter as well. Thank you. '' My complaint in XXXX was in regards to credit reporting as a collection within several of my credit reporting files. That has nothing to do with an " OPEN ACCOUNT ''. The explanation given to the CFB is a blatant violation of credit reporting laws, as my complaint was misconstrued to where it appears as a legitimate answer to my complaint.
Called XX/XX/18, XX/XX/XXXX, & XX/XX/XXXX, leaves message claiming they are calling from ( XXXX? ) XXXX XXXX, to call back, it is a call from a debt collector. I have no debt to collect. They never mention WHO they are calling for.. Looked up veripro, the number that they call me on/request me to call back on is not listed on their website. Another report on XXXX said It's XXXX XXXX. I have no debt! Stop harrassing me!