WillisBack/dataset-financial-user-claim huggingface dataset:
About 6 months ago, I submitted a complaint directly to Ditech and to the cfpb. Ditech made several errors on my mortgage including changing my mortgage without my knowledge to include an escrow, incorrectly documenting that they paid my taxes, and reporting me delinquent to the credit bureau. This has caused and continues to cause me a great amount of stress and frustration. The complaint was closed with Ditech stating they had remedied the problem. I am now trying to purchase a car and pulled my credit report about 1 week ago only to discover that they are still reporting me delinquent. I called Ditech again and was transferred from department to department being told by each that it was a different departments responsibility. I asked multiple times to speak directly to a manager due to the ongoing nature of this problem and was denied and cut off while trying to explain the issue. After being placed on hold for several minutes the representative told me she saw the problem was because the escrow errors were never fixed and she would submit a complaint to that department. I told her the last complaint took close to 6 months to resolve and it was never actually resolved and it has caused my credit score to drop several points. I asked to speak to a manager again and she said there is nothing they can do. I told the lady I would pay whatever I needed to pay in order for them to make my mortgage right and remove the derogatory information from my credit report, however, prior to paying anything I wanted something in writing from them stating that they would remove the derogatory information. She said they would not do this and my only option was to wait for the complaint to go through the process. This company is very poorly run and one hand does not know what the other is doing. I pay my mortgage every month and continue to get letters offering options for financial distress. I want the errors on my mortgage fixed immediately and my credit report corrected. I do n't understand why ditech ca n't fix the problem they created.
I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them
XXXX XXXX XXXX XXXX XXXX incorrectly terminated coverage but has since reinstated coverage. During this period they denied payment on several claims. These bills were turned over to APEX ASSET MANAGEMENT XXXX. APEX calls repeatedly and hangs up. This deceptive practice is so that you will call them back and they can demand personal information from you to " verify the account. '' They are extremely abusive when you call back and half the time they hang up on you again. 
Two employees XXXX and XXXX were overtly abusive and rude and informed me that if I did n't verify my personal information with them then the debt would be " referred to legal. '' I attempted to explain the issue with the health insurance and that the claims are being resubmitted by the company for payment of the medical bills. 

The continued to act in an aggressive and abusive manner and continued to inform me the matters would be " referred to legal '' unless I provided my address, date of birth and social security number. 

Despite being told to stop calling, instituting a 10 day bar per the Debt Collection Practices Act, they continue to call multiple times a day and hang up hoping to call back. This harassment must stop. I am very sick and I do have health insurance. They would not listen to the explanation that the health insurance made a mistake. 

They do n't care and continue to threaten " referral to legal. ''
hunter warfield has reported to all three credit reporting agencies. They have reported in the amount of XXXX $ they have yet to contact me in this regard. the FCRA states that they must notify me 30 days prior to reporting to the agencies, they must provide a detailed, itemized account. the last time I reported to this this government agency they said that it was a dupilicate compliant and they would respond shortly. that was XX/XX/XXXX. since then I have disputed the account on XXXX and XXXX, both agenies have " verified '' the debt. this indicates that hunter warfield has worked on this yet refuses to address it here so as not to get caught breaking federal law
I bought a prepaid gift card and I bought it at XXXX and loaded for {$120.00}. When I tried to activated it shows an invalid card so I called the XXXX number and they said that is was not activated and that XXXX charge me and sold me a peace of plastic. I went to XXXX and I called again from there, after a discussion between XXXX manager and a person from customer service who was talking with his supervisor at prepaid gift card. The supervisor finally agreed and authorized activating this card. I bought this card on XXXX XXXX. And tried to activated on Saturday XXXX XXXX. 

Then today XXXX XXXX i tried the make a purchase In the internet and I got a message of low balance. So I check the balance in their webpage and it showed my card was used at a dollar tree in Arizona when I live in XXXX nevada. 

I called prepaid gift card and they only agreed to file a dispute. And they said they will send me a fax which takes at least XXXX business hours and to send it back will take another XXXX hours. I do n't know if they send the fax on bus or what??. And the dispute department told me it will take at least 90 days to resolve if I 'm right. 

I do n't understand how could they play games with people. When I called on Saturday the XXXX, I had to be on the phone for more than an hour because they said they could not help me, until finally I got them to activated the card by the supervisor and supposedly fixed by the issue. 
Terrible customer support. Now I am without my money until who knows when if they are willing to help me. I do n't know what to do or go to the police or what?? 

I spoke with XXXX XXXX from disputes Please advice
I purchased a vehicle on XX/XX/XXXX from XXXX and it was financed by CIG Financial. As part of the transaction I traded in my previous vehicle that still had a loan pending and part of the sales contract was for my previous vehicle to be paid off. 

CIG Financial funded the transaction without verifying that the dealership paid off the trade in. The dealership never paid off the trade in and now I am left with XXXX active car loans. The dealership went out of business a couple months later filing a no asset bankruptcy and retain the vehicle. 

I contacted CIG Financial on XX/XX/XXXX and XXXX asked me to send him the documentation showing that the trade in was not paid off to later tell me that they will not do anything about it.
I sent a letter with Texas State guidelines for debt validation and received no response. I contacted XXXX and reminded them that the FCRA states that all debts that have n't been properly validated must be removed from the report until the debt can legally be verified. XXXX has continued to willfully violate the FCRA by reporting this debt without proper validation. North American Recovery also continues to violate the FCRA for not validating the debt as per Texas XXXX Code by providing the documentation that is required by Texas law. I sent them a copy of the criteria and they are willful non compliance with the FCRA as well.
I sent a cashier 's check for {$21000.00} as per the request of the Escalation Department Manager XXXX ID XXXX to reinstate my mortgage loan. I called Ocwen this evening and was told the Cashier 's check was returned and there is an Active Foreclosure on my home. Ocwen stated the reinstatement is {$23000.00}. I don't understand why Ocwen could not give me a 12 month reinstatement plan for the difference. 
I have a copy of my reinstatement amount and it's actually {$22000.00} which is actually {$1800.00} difference. 
I have done everything to resolve this matter and it seems apparent that I need to file a Chapter XXXX Bankruptcy to save my home from Foreclosure.
What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having? 
Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my Experian score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about? 
Experian, XXXX and XXXX Step 5 : Who are the people involved? 
All the major credit bureaus of which I have filed a dispute with all three
Portfolio they made an agreement to settle my account yet they are still holding a balance on my credit report I've deputed the charge yet they report late charge off charges I've sent the credit bureaus copy of money order and proof of settlement payment yet it's still reported on my credit report
I have disputed why not lease it account with Transunion but they claim to verify their results. But per the company who the account was sold this account was not reported to the agencies and this account has not been validated as per FCRA showing a contractual agreement.
My loan was sold from XXXX XXXX to Freedom Mortgage. We were in a loan modification program with XXXX XXXX and we were full filling all terms of the agreement. Once the loan was sold to Freedom we started to recieve unpleasant phone calls. One representative, named XXXX was totally unpleasant, rude, obnoxious and un professional. The company claims to not have our paperwork and they clain we are over {$16000.00} in arrears. This is totaly false. Our pleas fall on deaf ears. When we call we are directed to XXXX. And I refuse to speak to this person any longer owing to his rude and crass behavior. We have fullfilled the terms of our loan agreement. But Freedom refuses to speak to us about this and they instead threaten to foreclose on our house. This company is impossible to work with. During one phone call XXXX asked if my wife was home. I told him no. Then my daughter entered the room and spoke to me. XXXX then relayed to me that he knew my wife was at home and he inferred that I was lying to him. Experiences like this are very much the norm with this person and this company. We have read XXXX complaints online from other consumers who have been subjected to similar treatment. We do not want to lose our house, be in arrears or be subjected to any more threats, poor service, insults or lack of professional communication.
Company wants taxes for a contract that did n't state that I had to pay taxes in order to give me my free flights. Citibank Office of President statess that it is " known '' that I had to pay taxes when it was unknown. Free flights means free flights. If it is free the taxes are XXXX. 
I also gave notice within 5 days as required per the XXXX government for these types of purchases and I am still saying that I can/t get a refund.
I WAS CHARGED FROM A COMPANY THAT I NEVER DID BUSINESS WITH AND I HAVE NO IDEA WHO THEY ARE. I CONTACTED DISCOVER CARD AND THEY TOLD ME THEY COULDNT HELP ME BECAUSE I DID MAKE THE TRANSACTION WHEN I DID NOT. THEY ACCUSED ME FOR THIS CHARGE AND TOLD ME THAT I AM JUST TO OLD TO REMEMBER. HOW DARE THEM SPEAK TO ME THAT WAY. I NEVER DID BUSINESS WITH THIS COMPANY. THE COMPANY NAME WAS XXXX XXXX XXXX AND THEY CHARGED MY CREDIT CARD XXXX ON XX/XX/13. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE
mortgage company issued credit remark that house was foreclosed. Currently, my credit history reflects a foreclosure. The house was sold at a profit of $ XXXX and the mortgage was paid off. There was no foreclosure.
I have requested validation with these companies and have received NOTHING back! My hardship was 7 years ago and these items should not be listed on my personal credit file, my rights are being violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Back when I was a college student in XXXX, XXXX XXXX XXXX  reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because XXXX XXXX XXXX was still reporting me for " account abuse ''. I am confused because five years ago in XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the Chexsystems entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently XXXX XXXX XXXX switched my information with hers. Recently, we visited a local XXXX XXXX XXXX branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. 

This has caused a tremendous amount of confusion and distress for me and my mother. I want the Chexsystems entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.
I need some help on the following which are inaccurate and need to be fixed with all three credit reporting agencies. This now will be the third time requested Balances listed on accounts are not accurate for example XXXX XXXX balance is not accurate XXXX XXXX no balance is on this account, pleaes correct Late remarks are not accurate XXXX XXXX XXXX Account was never past due or late this remark is inaccurate XXXX XXXX XXXX   XXXX ( There are many accounts listed through XXXX XXXX ) first balances are not accurate, second never was the payment 90 days late as reflected in my history the loans were in forbearance. This inaccurate remark needs to be removed off of all student loans it is listed on
I had applied for a loan and allready paid the amount through the customer service. Now i see a negative credit remark on my credit score and an amount due which has already been paid long time ago. I had been harassed with calls and mails to my address. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet
National Credit Systems is attempting to collect an illegitimate debt on behalf of XXXX XXXX XXXX, specifically their property in XXXX, FL for which I was notified by the leasing office that I never signed the final and complete copy of the lease for on XXXX XXXX, XXXX. I never moved into or received keys to this property and National Credit Systems is attempting to collect the amount owed for an entire lease term, despite the fact that the proper paperwork was, according to the property, never completed and turned in. Going off of what was sent to me in the voicemail on XXXX/XXXX/XXXX, ( which I have proof of ), I assumed that no action needed to be taken. I am not responsible for this debt in any way.
This company has threatened me numerous times and I 've requested numerous times to not contact me and yet they are still doing so! They are practicing illegal activities and should get in trouble!
My credit report shows a hard inquiry via Capital One on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting Capital One several times over the course of a couple of years, they have been no help. Capital One told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called XXXX only to be told that I needed to contact Capital One for them to fix the issue. I have never once done any business with Capital One in my life. I need some sort of assistance to get this inquiry off of my credit score.
On XX/XX/XXXX, I purchased two suits from XXXX, a company that makes bespoke suits. This company committed fraud, did not meet its terms of service, and lied about their shipping arranagments to me. I received the suits, to an address in XXXX, because they would not ship the suits to XXXX XXXX, where I currently live. This is despite nothing in their terms of service claiming they would not ship to XXXX XXXX. It only states they do not ship internationally, and XXXX XXXX is part of the United States -- so the shipping would indeed be within the same nation and not " international '' The suits, which I had to fly to XXXX to pick up, did not fit me at all. This was despite a guarantee they would. They refused to allow me to get them tailored in XXXX XXXX, again claiming in International. XXXX XXXX is not international, and to highlight the absurdity of this argument they could of simply used the USPS and not paid additional shipping costs. Also, I would even be willing to pay additional shipping costs. 

My credit card company asked for a letter from a competitor, which I was able to get and provided. This gave the expert opinion that XXXX was not acting within industry practices. I also provided all my correspondence indicating they would not remake the suit from a tailor in XXXX XXXX and they would not honor their guarantee. Despite this, they would not reverse the charge. This is against their terms of service. 

XXXX also refused to accept a return of the suit and provide a refund.
To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 3. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4. Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.
I sent certified letter to  XXXX ,  XXXX  and transunion, stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have  for two year s have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .
talked with them about rolling payments to end of note they done that but reporting it 60 days late on credit report
I have sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting document that the accounts are inaccurate and don't belong to me. 

XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX Bank without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.
This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX , XXXX, KY XXXX
I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my Credit Report.
I financed an auto loan with UAC/CARHOP I filed a complaint with the BBB for inaccurate information being reported to the Credit bureaus. I was contacted by corporate saying it would report in 30-60 days. I was informed that upon the completion of the investigation due to filing XXXX disputes each time the information would reflect the update immediately. Each time the investigation showed no change. I paid the vehicle off XX/XX/XXXX. UAC is reporting that the account was closed as of XX/XX/XXXX and the last payment was made in XX/XX/XXXX. It is against the law to report inaccurate information. Payment history as well as paying a vehicle off affects you credit life tremendously, I reaffirmed this high interest loan in order to better my credit, and the inaccurate information affects my credit life a great deal. I have filed yet another dispute, and I have n't been provided with the correspondence between UAC/CARHOP. Only letters from the credit bureaus saying no change has been made following the disputes
XX/XX/2018 Chase bank uncrecognized hard inquary was reported on my XXXX  report, I did not made this hard inquary, please help me to remove
I recently received a notice from my mortgage loan servicer Carrington Mortgage Services indicating the only way to make my mortgage payment without paying a payment fee is to sign up for automatic payments. If consumers fail to sign up for automatic payments they will be charged up to 20USD to use any other payment methods ( I.e. Online, pay by phone, customer service representative ). This does not appear to be legal and I would like to understand if this is required. It appears to be required for all consumers no matter their account standing.