WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2015 I was treated at a XXXX and incurred expenses of near {$3000.00} that were my responsibility. As my HSA account did not have that much in the account, I established a payment plan with XXXX XXXX to pay something around $ 300/mos. I never received a statement from them and missed the subsequent payment. I attempted to make a payment online and was told I only made partial payment and given another number to call. I called that number and made a new payment of $ XXXX/mos which I was told was my new payment plan amount. I did not realize at the time that this was a collection agency, BCC Financial. As the same time of the month was nearing XX/XX/XXXX, I was again looking for a statement from XXXX XXXX and had not received one. I was very busy and it slipped my mind as I mostly use online banking or paper bills for things that are n't " usual '' bills for me. XXXX from BCC Financial called on XX/XX/XXXX and said she was calling to collect on a debt for XXXX XXXX. I was very angry at that point and told her all about my payment plan and how I had never received any statement. She assured me that she would get it straight and I would get statements from her. She then immediately offered me a XXXX % settlement if I paid in full. I refused because I owed the balance, although I was capable of paying I also asked if the XXXX % settled balance would report to my credit as a charge off. She could n't answer that question. I asked if my account could be paid back up to date and sent back to XXXX XXXX, she said no. But then again assured me I 'd receive my monthly statements. No statement in XX/XX/XXXX. I needed to call them myself in XX/XX/XXXX to make them aware, again, that I had no statements. I needed to get my account number from them to make a payment online. I repeated my concern about not receiving statements, not being able to monitor the progress of my account and if my payments are actually being applied to my balance. The woman I spoke with continued to assert that they HAD been sending me statements. Giving me the impression that she was accusing me of lying. Then here we are again-no statement received in XX/XX/XXXX, during the holidays. I do n't know what day my payments are due. I do n't know what my current balance is. All I am able to see on the website is a place to enter all of my payment information. For all I know I could be wiring money to anywhere.
I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX 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 XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.
Bank of America informed me that XXXX, XXXX was servicing my mortgage. I contacted XXXX and was told that Bank of America is still servicing the mortgage. I want to avoid foreclosure but have received multiple points of contact and do n't know who I should speak to. Please help.
I had to go Bankrupt in 2013 due to my husband passing away.I have a car loan and that 's all, I do not have any credit card 's at all.I have to get a small loan {$200.00} for my XXXX.The Credit Agency keeps saying I have credit cards that do n't exist.XXXX for XXXX I have NEVER dealt with these people and XXXX XXXX and again have not EVER dealt with these people.Everything else I have been making payment 's on time for my car.I checked my credit and it say 's nothing deliquint and nothing in collection's.So what 's the problem.
XXXX is reporting debts I do now owe. They are continuing to report a balance, they were included in Bankruptcy Docket # XXXX. XXXX is in clear Violation of the Bankruptcy Law and FCRA.
In XXXX my identity was stolen when my health insurance company was hacked. Somebody filed a phony tax return in my name. I got that cleaned up and thought everything was over. In XXXX XXXX the XXXX was breached and a person in OK XXXX had my mail forwarded to them illegally. There was enough evidence that a police report was filed. The following week I learned that XXXX credit accounts were opened in my name and cards were sent to OK XXXX ( someplace I have never been to and is XXXX hours away ) I was able to contact and correct the issue with XXXX out of XXXX banks/lenders. I first called XXXX on XXXX/XXXX/XXXX and was assured that the fraudulent report would be removed from my credit report. A few weeks later I received a letter dated XXXX/XXXX/XXXX stating that they were now refusing to remove it from the credit report stating that I has provided personal identification information and they were not at fault. I called them the same day XXXX resolve the issue. The person I spoke with for an hour was unable to reach their fraud department but agreed that this was wrong. They gave me a direct number to call the fraud department. I called again on XXXX/XXXX/XXXX and was placed on an automated system on hold for over 30 minutes without ever speaking to a person.
Loan # XXXX LoanDepot issued an Escrow Surplus refund check in the amount of {$6700.00} on XXXX XXXX 2015. To this date i have not received the check. 
I have emailed, and called customer service several times to get another check sent out ( with a tracking number )
Chase continues to put extended holds over 7 days on XXXX particular checking and from XXXX particular account at XXXX. Chase is storing a hold alert in their computer systems to automatically put a hold on these particular deposits. Chase is to make the funds available in 2 business days and they are not doing so. Further they refuse to clear their computer system which is programmed to put a hold on the depsoits into this Chase account from the XXXX account,
The account XXXX XXXX XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.
In XXXX, XXXX, I received a Earnings Garnishment from the XXXX Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to XXXX Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day XXXX Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, Associated Bank filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the Associated Bank Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that Associated Bank had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. XXXX Law Office states they were hired by Associated Bank to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?
Chrysler Capital has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.      XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX  . I   always make my auto loan payment online through www.chryslercapital.com. I would then be transferred to   XXXX   XXXX   to process my online payment, for a fee. At first my payments would post within a day or  two, but  then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in   XXXX   XXXX   XXXX  , that Chrysler Capital correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and Chrysler Capital 's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until   XXXX   XXXX   XXXX  , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporti ng company, that one of my payments had been listed as default of 30 or more days. I find it extremely od d that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that Chrysler Capital is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
XX/XX/XXXX I called tax office to get update on refund. Was advised it was not in & that I could call federal tax offset number. Called and discovered they had been offsetted by previous lender. There has been no contact, no legal action. Account on credit reports say account is Closed and status Foreclosure Redeemed. Also that creditor retook possession. I have receive no updates on foreclosure since moving JXX/XX/XXXX. 
I called the in-town lending office, she had no file for me, no account number. Said she didnt understand why they would take my taxes. That the property was Sold by a Realtor Office. Said she would call home office and call me back. Received call back the next day, she tells me that what she understands from them is that they sent certified mail to me XX/XX/XXXX and account was Satisfied XX/XX/XXXX, by them taking my 9, xxx in tax returns. I didnt receive anything Certified. The Account on credit reports say Closed as of XX/XX/XXXX and balance due {$0.00}. I have heard nothing about owing on loan after the foreclosed, until years later??
I applied for a loan through SoFi. The advertisement says that Fixed rates are as low as 3.5 % APR. I applied for the loan and they were only able to get my 5.24 %. I called and asked a rep how they determine the score. They said a variety of factors such as job industry, duration of employment and a few others. However, my credit score is XXXX, near perfect. I explained this fact. That was barely acknowledged. 

I then asked what percentage of people have received a 3.5 % APR rate under their current offerings. The representative then said, " I have n't seen any applications with that rate. '' Under UDAAP, this may be considered a deceptive practice if no one can feasibly obtain this rate or SoFi knows that the amount is so astronomically low, that it is virtually impossible for any applicants to receive such a rate.
XXXX  has been non-compliant with removing the unverified account CONVERGENT OUTSOURCING , INC . Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CONVERGENT OUTSOURCING, INC. was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I received a XXXX Fraud Alerts email on XXXX XXXX, 2015 asking if I had made a purchase for my XXXX XXXX account in Florida that day. I contacted the bank, they stopped the payment and issued me a new credit card. I changed my passwords and upped my security. Two months later, when using XXXX XXXX again, I noticed another person 's name and number on my account. I contacted XXXX and they advised me to file a police report. I went to the XXXX Police Dept and filed an identity theft case on XXXX/XXXX/15. They advised me to run a credit report and see if my credit was affected. When I ran the report on Experian, I noticed a XXXX credit card open in my name with a balance of over {$4000.00}. Only the first XXXX numbers of the account were visible and I do not recognize them. I called XXXX Fraud hotline yesterday to inquire and they informed me this is connected to an account that is either closed, purged, or deleted. I told them that I have never closed an account with a balance on it, and furthermore, the recent transactions on this credit report item indicate that there are monthly payments being made, and the balance has XXXX risen and fallen during different months between XXXX and XXXX of this year. I am concerned that there is an apparently active account in my name that XXXX is denying its existence. I do n't know if this is a rogue banker, a computer error, or a systematic problem similar to what XXXX recently discovered and filed against XXXX XXXX?
XXXX has failed to validate a debt reporting to my credit report in the amount of XXXX. I sent out a validation request in XX/XX/XXXX and again in XX/XX/XXXX in writing by certified mail. As of today they 've failed to validate this debt.
wells fargo bank mortgages. Are lieying fradulent cheats, i have over XXXX case history complaints with the cfpb since 2012, they have doctered documants,? but i have all the originals that shows them to be lieying cheats, iam going to sue them and also you for allowing them to comitt fraud and perjury and falsifying documants now iam comming for you? 7 day notice of proceedings, the truth will come out and i will show the world how decieptfull you realy are scum
On XX/XX/XXXX, American Express initiated contact with me. I received a gentlemen on the Credit Review team who proceeded to go over the status of my account. Within the parameters of the conversation, this individual was making veiled threats that seemed to point to negative credit reporting, the account being sent to an outside agency, and the likes thereof. Keep in mind, all of this even though I had made several apparent statements intending on paying the full minimum amount due by the week of XX/XX/XXXX. Relentlessly, that was not satisfactory to him ( or American Express ... I can not decide which ). This was followed by repeated unprofessional tones and outbursts by this individual who claims to maintain professionalism at all times. I do not and WILL NOT tolerate any behavior like this from anyone. As of the time of this writing, I am reviewing this incident with a lawyer who will direct me on what steps to take regarding this situation. Someone will be reaching out to American Express in the coming weeks to further establish the situation and I, the cardmember, demand a direct apology from this individual and American Express jointly. In the interim, American Express hardly maintains transparency between its employees and contractors. There are repeated discrepancies that continue to become a concern when trying to make attempts at making the account current. With regards to Payment Programs, many American Express handlers either do not know what exactly is required, or assume what is and isn't required in order to keep a Payment Program. In the aftermath of being removed from a Payment Program, at no time other than the date of this writing, did anyone mention that keeping Auto Pay on a monthly basis was required in order to keep the Payment Program. The individual whom I spoke with seemed to insist that instead of them acknowledging they made a mistake, that it all comes back to me taking ownership for the account. I will not take ownership of the account, until American Express starts maintaining consistency with respect to communication and fair use. I will not be held responsible for mistakes that American Express mistakes, and nor should I be made to feel that way. American Express is shamed in doing this and should admit their wrongdoing instead of attempting to turn everything back on me. If I, the cardmember, am not able to satisfy my debts, then that's on me. I'm still going to hold American Express solely responsible and liable for faults of their own regardless of the status of my account.
I called Barclays XXXX today regarding my multiple disputes on a inaccurate account that was due to fraud reporting on my credit being updated as accurate by Barclays. I have requested validation a copy of a signature or address these bills are being sent to I was told by the rep they couldn't help me they refused me any information even a account number, but they are reporting this on my credit as accurate? I asked them to delete this or provide me with the info requested. I was sent to 2 supervisors XXXX who couldn't help me, then XXXX who also refused to verify any information with me. but gave me a number to a collection agency. I am requesting this account removed from my credit immediately.
On XXXX XXXX,2017 CFPB had sent me a response from XXXX XXXX AKA XXXX XXXX about the discrepencies in the application of payments on this loan, have paid 27 payments on a loan at 13.9 percent interest, totaling XXXX monthly payments XXXX I got behind and then made a lump sum payment to company. The representative sent a ledger of in consistent applying of payments to my loan. They can never give a clear answer or audit the loan by reapplying each payment to clearly adjust the balance, In good faith after I filed my last complain a person from the company responded to you, they stated in this document they would adjust good faith XXXX off the loan balance which they did not do, they further were to do a deferrment and bring the account current so I could resume the loan, after you posted the response I waited to here from the company. I never received any communication directly and when I tried to call the person who replied to the complaint I was transferred to collections demanding lump sums of money or they were charging off the loan and repossessing the vehicle, as of date I have tried to get this loan resolved and no one is working with me. I feel I am going to be forced into legal action to protect my rights, and have this company forced into a repayment plan with me.
I initiated a wire transfer to XXXX on XXXX/XXXX/XXXX for {$5000.00} when XXXX listed their incoming wire transfer services as working properly. I have not been credited the {$5000.00} still. They disabled online help requests since I have initiated the transfer and do not pick up the phone.
Sent in dispute to Equifax that my loan was paid off and that XXXX loan was off my records as well as XXXX, still have n't seen a correction of my score or fix as well as my credit keeps getting ran under both bereaus and my score keeps getting lowered causing me not to be able to afford another nice car and or get into my own house. 
It has ruined my chances of a loan cause people ask if it 's a repossession or a paid of repossession, and it 's not the account was paid off in full after being totalled by me. Has n't been corrected with the bereaus
I tried to dispute these items thru Equifax but Equifax would n't allow me too.
XXXX lowered than closed my checking plus line of credit. Supervisors and staff state due to derogatory information on my credit report. Three aspects. One is I have told numerous people at XXXX that I am part of a special program that is going to eliminate my debit. I got my free credit report. The report shows negative on certain credit card. However I do not due business with Experian, I have had a checking account with XXXX over thirty five years. The so called negative information on my credit report is not correct in context become I am part of a special program to eliminate my debt. The program takes time. I need to have my checking plus restored to a XXXX XXXX dollar limit as it was before. Thanks XXXX XXXX
Experian has XXXX/XXXX XXXX XXXX XXXX on a Your Accounts that may be considered negative. 

XXXX XXXX XXXX XXXX 3 Different Loans XXXX/XXXX  XXXX XXXX XXXX Transferred the loan. I did not request nor have nothing to do with the transfer or the sale of the Student Loan. 

All my student loans was deferred so how or why does Experian have them showing late. 

Your accounts that may be considered negative by Experian has issues for the time that they have that goes good as I see 8 years as By XX/XX/XXXX 2023 this account is Scheduled to go positive status. so how is it that it takes 8 to 9 years on some accounts if your paying on time to go Positive and for the past 2 years its been paid It seems Experian just create things on credit files and incorrect information they gather and it makes no sense as I look at my report it takes or the wording that Experian uses to create may be considered negative that 's very vague with one way or the other.
Creditor : Danco Financial ( XXXX ) Law Office : XXXX XXXX XXXX ( XXXX ) The creditor, along with, their attorney illegally obtained a judgment against me and displayed my private debt information to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX. The judgment was obtained in 2014 in XXXX County. I have not lived at the above address in almost 8 to 10 years. This XXXX XXXX I have no knowledge of and none related to this individual. Whomever their process server is was able to get this XXXX XXXX to accept the court summons on my behalf. in the year of 2014 my address was in XXXX, GA and XXXX XXXX, GA.
I received a offer from a debt collection company in XXXX with a offer at a reduced price to settle the debt for XXXX. We accepted the offer and settled debt in full. I have receipt of this debt. The difference between the original amount due and the offer is around {$150.00} and now another debt collector is calling me in XXXX for the difference. I have called XXXX and they refuse to help me or speak to me but forward me to the new debt collection company. I refuse to speak with this new company as I feel its a violation sharing my information and reporting on my credit therefor I wont offer my information to them, which would be volunteering my information. their # ( XXXX ) XXXX but XXXX has shared my information with this debt collector after the debt was settled in XXXX. I 'm filing a separate complaint about the debt collection company this is for XXXX.