WillisBack/dataset-financial-user-claim huggingface dataset:
Operator XXXX for XXXX bank admitted to using an unknown number because You never answered our calls but you did answer an unknown. XXXX bank has called numerous times in a day including while I am at work.
Portfolio recovery placed a collection debt which does not belong to me. I have mailed a written request asking for validation of the items and have not received assistance or information to dispute the items.
XXXX handled my student loan from XXXX, XXXX, XXXX. I noticed that XXXX utilized a glitch to charge more fees/interest to students, and upon review of XXXX payment history, it appears XXXX also utilizes a glitch to collect more fees/interests as well. 

XXXX responded to complaint XXXX in which it referenced XXXX practices ' in regards to my student loan, so before this case goes to court, XXXX has an opportunity to resolve any discrepancies. 

Fact XXXX. I began paying back this XXXX year loan to XXXX in XXXX XXXX. 
Fact XXXX. The beginning balance of the loan was approximately XXXX 
Fact XXXX. I was only required to pay back XXXX per month starting in XXXX XXXX. 
Fact XXXX. From XXXX XXXX to XXXX XXXX XXXX XXXX total months XXXX, I paid XXXX XXXX XXXX XXXX doc ). 
Fact XXXX. If I was only required to pay back XXXX per month then $ XXXX months paid. 
Fact XXXX. Since XXXX months paid, that equates to XXXX years, XXXX months. 
Fact XXXX. Since I started paying back in XXXX XXXX, XXXX years, XXXX months after that is XXXX XXXX. 
Fact XXXX AES XXXX processing my loan in XXXX XXXX, and at that point, I was already XXXX years, XXXX months ahead in paying my loan. 
Fact XXXX XXXX XXXX that I was late in XXXX XXXX, which was false. I was ahead. XXXX assumed I was late and did not consider payment history when making false assumptions/decisions. 

Fact XXXX XXXX XXXX reporting that I was late with XXXX XXXX when this is not possible, as seen in the payment history, I paid more than the required amount. 

Fact XXXX. XXXX refunded me late fees in XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX because the system it uses has a glitch that automatically charges late fees when the student is already ahead. I did not ask for these refunds, however, it appears, someone within XXXX recognized that I was in fact ahead in my loan, and refunded me accordingly. 

Fact XXXX. Since XXXX is reporting that XXXX considered that I was late in making payments, I need documentation relating to those facts, otherwise, when a lawsuit is filed against XXXX, I must also file against XXXX. 

When borrowers pay back over XXXX in under XXXX  years, and when the starting loan is under XXXX, it can easily be seen that the borrower was ahead several months. However, since the loan was transferred to XXXX in XXXX, XXXX, the late fees that were previously refunded in XXXX, XXXX, XXXX due to system glitch caused XXXX to think that my loan was late when it was not. XXXX XXXX not have reviewed loan properly before it was transferred, however, XXXX needs to review it now and verify that I was in fact ahead by over XXXX years. Documentation is needed so it can be relayed to XXXX, and this will help XXXX to avoid costly litigation. Thank you
I have not been receiving any monthly statements ( or periodic statements ) From Ocwen Loan Servicing , LLC, since my bankruptcy case closed on XXXX XXXX, XXXX. A federal rule, which went into effect on XXXX XXXX, XXXX, requires monthly statements be sent out to homeowners. 
XXXX
I did not authorize these creditors to pull my credit report to obtain creditor.

1 ) .XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ; XXXX XXXX On XX/XX/XXXX. Unknown inquiry, please delete 2 ) .XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX ; XXXX on XX/XX/XXXX. Unknown inquiry, please delete 3 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX/ ( XXXX ) XXXX XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 4 ) .XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX/ ( XXXX ) XXXX  XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 5 ) .XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX| ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry , please delete 6 ) .XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry, please delete 7 ) .CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Credit Report inquiries ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Credco XX/XX/XXXX Unknown inquiry, please delete
I have been disputing a XXXX XXXX account displaying on all XXXX major credit bureau since XX/XX/2016. The XXXX XXXX account in question is XXXX. XXXX and XXXX conducted their investigation and deleted the negative information reflecting on my credit report. Unfortunately, Transunion is being very uncooperative and using delay tactics contrary to XXXX & XXXX to resolve this matter. I have been disputing the information on this account with Transunion since XXXX 2016. Documents can be provided upon request..
XXXX XXXX used my info to apply for the credit card offeres based on my scores and it lowered my score I did not submit a credit for the capital one cred Cards
I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think XXXX  was the reporting credit union. 

XXXX refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.
Resolved a debt with origianal creditor payment confirmation # XXXX and was told that the debt was closed and returned and the original creditor also used the words released constantly reassuring me that the collection agency should no longer be reporting anything as they have regained the responsibility through payment, pulled my reports today and the account is still there.
I have private student loans with navient that im forced to pay and the school I attended is closed and i was not able to graduate or transfer my credits. We are all familiar with XXXX XXXX. I should be able to aplly for a closed school discharge.
I am filing this complaint as my other complaints against the credit bureaus and credit karma continue to be ignored. I was just again refused credit because of a low credit score XXXX though every credit website including the credit bureaus themselves and credit karma report my score 100 points lower an sahow graphs of my score falling steeply when the only changes were the removal of three negative items. I continue to read about other consumers who have had this happen to them all over the internet. Then they are offered ridiculously high payments on everything and people cant get out of this trap. It is sick. Making over XXXX I can barely afford a place to live because my car payment and insurance is so high and because my score is so low despite paying high interest loans and credit cards on time having no glaring negative remarks and having others removed as inaccurate. I tried using this complaint form to complain against the credit bureaus and credit karma and only XXXX  said anything offering some ridiculous gibberish explanation about various scoring models. Tell in what model are negative items removed and replaced with a lower score by 100 points. Why can I not get any answers. What does this company do when companies ignore complaints? Is there any way to mitigate this or is it a waste of time for me to try and work to support myself and my kids because arbitrariy decisions will be made that prevent me from even being able to afford a place for us all to live. I would be better off not working at all and being reliant on government assistance. Is there absolutely anyone who reads this and helps? 
Also now Im paying money to XXXX XXXX  every month in true hopes that we could move somewhere better but that also seems seriously impossible at this point and they have done nothing but take more money from me. Credit scores are a racket. My cousin who went bankrupt has no issues versus me who has never just abondoned my bills.
I moved out of my apartment at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX. The apartments are managed by XXXX XXXX XXXX. After move out, I received an invoice from a collection agency, IQ Data International, stating that I owe a balance of {$150.00} to XXXX XXXX. I contacted the apartment and received a copy of the ledger. I was inexplicably charged an additional weeks ' worth of rent beyond the lease termination date of XX/XX/XXXX. I was also charged for a carpet cleaning during that time frame, proving in essence, that the apartment was fully vacated. 

XXXX XXXX, through their attorney, responded that it was indeed their error, they apologized, and refunded me the rightful balance of the deposit due to me. 

IQ Data is still attempting to collect on the debt despite my submission via certified USPS mail that I disputed the debt with proof and also despite my submission of XXXX XXXX XXXX attorney 's letter to me. 

I need IQ Data to cease their illegal attempt of a debt I have disputed in writing via certified letter and provided proof that there was never a debt in the first place. I've attached a copy of the letter I mailed to IQ Data Inc, their original communication of the debt from XX/XX/XXXX, and XXXX XXXX XXXX attorney 's admission of the error by XXXX XXXX in the first place.
a credit card account was open without my knowledge. i have contacted the bank it was issued from and informed them that it is not me. i fond out about it my way of a statement in the mail. they bought men 's cloths from macy 's and location that is given on the bill is XXXX XXXX.
XXXX XXXX XXXX was under a modification program and should not be reported late 60 days XX/XX/2015. the monthly payment amount is incorrect also, it should {$1300.00}, Experian never verified the account.
My mortgage was paid in full years ago and now the bank is saying that it was not satisfied. I have the proof and documents to prove otherwise
XXXX XXXX card..sent account to XXXX XXXX   without my knowledge. Always had a {$160.00} allotment from retirement pay since XXXX ... after Hurricane Harvey hit last XX/XX/XXXX, lost car, furniture, eviction from home, mother ill in and out hospital, XXXX XXXX, 2 vehicle accidents..XX/XX/XXXX/XX/XX/XXXX XXXX I went down to $ XXXX/month.. wanted to keep sending what I could. I asked them would they please except this for like 5/6 mos.. til I get back on my feet.. Now recently they have deducted without my knowledge even more of what allotment was.. $ XXXX..requested hardship like XXXX ( XXXX XXXX card ) ..and they want all types of personal info from 2 prior months, ,ie..tax returns, bank  statements..just for a credit card.. orig balance was over $ 5000..and now it is down to $ XXXX- $ XXXX..this is ridiculous..PLEASE STOP THIS MADNESS..XXXX XXXX XXXX XXXX XXXX IS OVER XXXX XXXX CARD!
They are reporting XXXX ( reported in XXXX ) and XXXX XXXX ( charged off XX/XX/XXXX ) as included in a bankruptcy that was discharged in XXXX. I sent over proof to have XXXX removed and they listed things as being included in a bankruptcy that was impossible being that the bankruptcy was discharged in XXXX and I didn't acquire the debt until XXXX. I have attached the same documentation that I sent Equifax ... no where listed on the documentation are these companies listed or I have put a dispute in for them.
I am a victim of identity theft. I have been trying to contact NCC Services for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not an address in Louisiana. They denied me the opportunity and kept giving me the runaround. I don't understand why NCC Services is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
I had to re apply for a deferment I sent emails with the required documents, but  XXXX  " never received it ''. It took them months to finally get what I was sending to them. When it was received they back dated my deferment and made it current. They never updated my credit report to reflect they update. I tried speaking with someone there and they are reluctant to help.     The dates in questions is   XXXX   XXXX   XXXX   XXXX
The information associated with each electronic transaction is no longer enough to use for personal protection from fraud. For instance, an entry dated XXXX/XXXX/16 from my bank ( Wells Fargo ) that supposedly tells me what a debit card transaction was for, reads as follows : " PURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX MD XXXX CARD XXXX CATEGORY BOOKS/MAGAZINES/NEWS '' There is absolutely nothing in this entry that gives me a recognizable name of the business where the card was used. Further, I did not choose the category that was assigned. Nor is there a contact phone number, which used to be given as a matter of course. In other words, I have no way of checking whether this is a legitimate transaction or not. If I were to call the bank, which I have done on other occasions, they have no more information than is listed here. I have not disputed this entry because I remember that I purchased greeting cards on XXXX for a small amount of money. Greeting cards correspond to the assigned category, but the purchase was not in XXXX and there is no store name ( it was XXXX ), so I 'm really taking a leap of faith here. It 's not enough money to spend the time on disputing it. I 'm bringing it to you because it 's such a clear example of the problem I see. 

An entry that I did dispute last fall had the transaction categorized as a credit card payment to a company I did not have a credit card with. I eventually realized that the amount corresponded to an automatic transfer to a SAVINGS ACCOUNT at that company ( XXXX XXXX XXXX ). But Wells Fargo never was able to put that information together. I withdrew the dispute, but I was the one who figured it out, not them. Wells Fargo said they had no control over the information that came from XXXX XXXX. XXXX XXXX said they had no control over how Wells Fargo processed the information given to them. I wasted a lot of time on something that could have been a real problem, but obviously was n't if the correct facts were transferred from one bank to the other. 

I ca n't protect myself from fraud without facts. Do n't know if there are regulations associated with this issue, but if there are n't there should be. Please help!
I just received a phone call from someone whom these people called looking for me. While I was on the phone with them I looked up their company and found all this information about them scamming people therefore I also would like to file a complaint.
On XX/XX/2018, I visited XXXX XXXX to purchase a new XXXX XXXX 2018. For the financing portion of the sales process, we met with XXXX XXXX, XXXX XXXX. He offered to bundle {$7100.00} of optional services into our auto loan. 

1. {$3900.00} Service Contract + Prepaid Maintenance program.

2. {$1400.00} Club Plus - tire & wheels.

3. {$870.00} Zaktek Ultimate. 
4. {$850.00} Gap insurance. 

Written terms for these services were unavailable. Instead, he explained that the information will be mailed to our home within a couple of months after the sale. Afterwards, if we wished to cancel any of these optional services, we should notify the dealership and the services will be terminated and a full refund processed. We proceeded to close the sale with XXXX and these optional services were bundled. 

On XX/XX/2018, four months after the sale, we still have not received any information in the mail nor email. Below is a list of our failed attempts to communicate directly with the dealership. 

1. Phone call to XXXX XXXX, XXXX XXXX. No response. 
2. Email to XXXX XXXX. No response. 
3. XX/XX/2018, Phone call to XXXX XXXX, XXXX XXXX. No response. 
4. Brief phone conversation with XXXX XXXX, XXXX XXXX. Call disconnected on his end. No return call received. 
5. Phone call to XXXX XXXX. No response. 
6. Phone call to XXXX XXXX. No response 7. XX/XX/2018, Phone call to XXXX XXXX, XXXX XXXX. No response. 
8. Email to XXXX XXXX. No response.
Tebo FinancialXXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXXXX/XX/2015RE : XXXX Chrysler PT CruiserVIN Number : XXXX On XXXX XXXX, 2015 I received a call from XXXX XXXX attempting to collect on the discharged debt. After calling Tebo Financial, they then stated they were prohibited by bankruptcy laws with regards to contacting us and collecting on a discharged debt. This is a clear contradiction. 

On or before XXXX XXXX, 2015 Tebo Financial authorized XXXX to repossess the XXXX Chrysler PT Cruiser, at XXXX XXXX XXXX XXXX, Ohio XXXX. On XXXX XXXX, 2015 this vehicle was recovered by XXXX. 

After the vehicle was repossessed on XXXX XXXX, 2015, I did not receive any legal communication required through Ohio Repossession code ( XXXX XXXX ), regarding my Rights to Cure. The vehicle was set to be auctioned on XXXX XXXX, 2015 without any notices sent stating the vehicle had been repossessed or the creditor 's intention. I did not receive a NOTICE OF OUR PLAN TO SELL PROPERTY or Notice of Default and the Right to Cure. 

In addition to these violations and non-compliance, I was not properly informed about my personal property left inside the vehicle. Tebo Financial failed to document properly and inventory the personal items left in the vehicle per Ohio repossession laws as well. 

At this time, a complaint with XXXX and Attorney General Office has been filed. I will seek sanctions through the Bankruptcy court within the coming week if a resolution is not promptly met. 

A refund of {$830.00} for recoverable charged fees will cause this matter to halt and not proceed with legal action. 

1. Loan Fees {$510.00}. Interest {$190.00}. Auction Storage fee {$91.00}. Personal property fee $ XXXXPlease feel free to contact to me with a resolution to this very time sensitive matter. 

Regretfully, XXXX XXXX
I have been with Seterus, Inc. for my mortgage for about XXXX years. I have been trying to refinance my home and Seterus has not updated my credit history in over a year. I have called Seterus once a month since XXXX XXXX to update my report and every time I call they tell me it will take a month to reflect on my credit report. As of XXXX XXXX, it still has n't been updated and I can not refinance my mortgage or my vehicle.
I had taken out a loan for XXXX last XX/XX/XXXX and fell behind in payments. In XX/XX/XXXX. I filed a complaint and was given a payoff amout of XXXX. XXXX had said I had agreed when signing the loan to pay XXXX ( which I suppose with interest etc. would be accurate- but my loan was for XXXX- I never expected circumstances would prevent me from paying that off and having to pay the full XXXX ). XXXX told me the best deal he could make with me was XXXX, with a monthly payment of XXXX monthly from XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX a month consistently and on time, for a total of XXXX paid. Yet during this time I have continued to receive threatening letters with amounts that are not accurate. When I complain I am told to ignore them and all that I need to focus on is giving them XXXX a month from XX/XX/XXXX to XX/XX/XXXX. It is very difficult to trust and XX/XX/XXXX on paying this when threatened monthly with inaccurate information. In addition, I called recently as my employment status changed, along with a new car loan that I had to take on and supporting my XXXX daughter- and told them XXXX a month is no longer possible. XXXX, the man I call and pay monthly indicated he could stretch the loan out longer for about XXXX XXXX and something a month, then after conferring with XXXX ( the main boss ) I was told the best they could do was stretch it out by one month and I would owe XXXX a month, which is not possible. I just missed my XX/XX/XXXX payment ( first payment missed in 6 months ) and I am getting numerous phonecalls. Most troubling however is I got another letter recapping a broken promise. It has a past due amount of XXXX and is demanding payment in full. I am traumatized and baffled- if our promise was XXXX and I have paid XXXX the remaining balance is XXXX. If they accelerated it to the full XXXX - I still paid XXXX which leaves the balance at XXXX. Where is this XXXX coming from? The amount on the letter ( as always ) is confusing and misleading. anytime I call in the past- I am just told not to worry pay the XXXX until XX/XX/XXXX and I am fine. I can't continue to pay and blindly trust esp. when this amount per month is creating a financial hardship.
I originally requested PMI cancellation from Seneca Mortgage in XXXX after our county appraised our property at XXXX times our purchase amount. Seneca responded that they needed more time and to not file a written request yet, as they had made a mistake in acquiring the loan and only had record of XXXX of our XXXX acres. I made numerous phone calls over the next couple of months, spending 5-10 hours on the phone checking on the status of Seneca 's progress in servicing all XXXX of our acres. Finally in XXXX, they assured me they had resolved the issue. My written request for PMI cancellation was processed in XXXX. However, Seneca denied my PMI request for cancellation after an appraiser completed his appraisal of XXXX of our XXXX acres - appraising less than 33 % of the value of our property. 
After fighting with Seneca for 4-5 hours on the phone over the course of 2 weeks, they agreed to conduct an appraisal of our property that did not violate the Home Owners Protection Act. 
Seneca failed to complete this appraisal. In XXXX, over 5 months after requesting PMI cancellation, Seneca transferred my loan to XXXX. XXXX is currently claiming that Seneca refunded my appraisal fee at the request of Seneca, effectively cancelling my request for PMI removal.