WillisBack/dataset-financial-user-claim huggingface dataset:
Cash Call Mortgage has consistently booked my monthly payments incorrectly resulting in excess interest being charged on a monthly basis and an incorrect outstandling balance on the loan. 

Cash Call made some " corrections '' to the account but those " corrections '' are erroneous also. 

They have been uncooperative during the entire time I have dealt with them regarding these problems. They are arrogant and rude whenever I 'm able to get a representative on the phone.
I initially wrote in about this earlier last year and the company has yet to reponse. 
TransUnion is listing XXXX bankruptcies on my credit report that do not belong to me. 
I never lived at the addresses where these records are found. I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX since XXXX of this year. Prior to that, I lived at XXXX XXXX XXXX, XXXX XXXX, IL XXXX for 6 years consecutively. TransUnion has been notified of this issue but refuses to remove the erroneous information. They calim they got this information from the courts, but the courts insist TransUnion has gotten this information from a third party, who fails to verify the accuracy of the record. Because of this inaccurate listing, XXXX of my credit cards XXXX XXXX XXXX Bank ) was shut down. This is preventing me from purchasing a home. The attorney recommends we sue TransUnion but this will be extremely costly to my family.
Sent a wire to coinbase on Tuesday. Called my bank and confirmed it was accepted but the funds are still not in my usd wallet in coinbase account.
I purchased an IPod from XXXX online. While the transaction went through, I tracked my order on line after I got a message that read order cancelled. I contacted Ace/elite Net spend and a Customer representative informed me that the " money was still there '' but had been frozen after a few days of the transaction and referred me back to XXXX. When I contacted XXXX they reported they could not 'pull their money. Again XXXX asked me to go back to Ace/Elite Netspend and a Clerk advised me to get back to XXXX and requests XXXX makes a Request in Writing!!! XXXX this time, I felt Netspend is playing games with my money and I request my money, but I am being shuffled around. 
I am demanding my funds effectively immediately.
The reason for me filing this complaint with your agency is due to Experian credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with Experian against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting Experian credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.
Transunion & XXXX is reporting inaccurate Information from XXXX XXXX XXXX. This company is not registered or licensed to collect debt in the amount of {$2700.00} in my state of Massachusetts.
GMAC mortgage discharged XX/XX/XXXX, GMAC sold mortgage XX/XX/XXXX to XXXX. GMAC files bankruptcy XX/XX/XXXX.  XXXX reports loan discharge XX/XX/XXXX.Loan paid off XXXX. GMAC reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
XXXX refuses to correct in spite of overwhelming documentation to the contrary. 
GMAC writes they have no record of loan. 
OWCEN/GMAC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is GMAC 'S.
My husband, XXXX, is an XXXX XXXX XXXX XXXX Veteran that requires XXXX. 
On XXXX/XXXX/XXXX we called Wells Fargo to request mortgage assistance. During the financial interview we were told that Wells Fargo could n't help because we did not have enough income. I tried to tell them that we had applied for an increase in my husbands XXXX benefits they said they did n't care. At this time my husbands XXXX was XXXX per month and we received XXXX in food stamps. 
On XXXX XXXX I began employment with TDID at a salary of $ XXXX/ month.On XX/XX/XXXX my husbands gross monthly XXXX was increased to XXXX. Out current monthly food stamp benefit is XXXX for a total household income of XXXX. 
On XXXX XXXX, XXXX we reapplied to Wells Fargo for assistance under a change of circumstances and submitted all documentation verifying a significant increase of monthly income. 
We received a letter from Wells Fargo on XXXX/XXXX/XXXX stating " Based on the recent information you have provided to us, we have determined there has not been a sufficient enough change in your circumstances for us to conduct another review ''. This is a blatant mis-representation of the truth.The letter is not signed by anyone and when I called Wells Fargo they refused to speak with me.
I just received a call today, XXXX, from someone claiming to be from XXXX, when spefically asked if with government XXXX, the gentleman said yes. The agent proceeded to tell me as part of XXXX his job was to let people know they are entitled to savings due to the type of loan that I had.I was told I did n't need to agree to anything at the moment and just to hear the cost savings. The agent proceeded to connect me to a 'Specialist ' while he remained on the line. I heard a recording say Loan Depot before the 'specialist ' got on the line and asked the agent who was Loan Depot as he said XXXX XXXX The line was abruptly disconnected at this point. Please make consumers aware loan companies are claiming to be federal agencies.
I was contacted by a collection agency named Crown Asset Management LLC through my employer. They sent a notice to attempt to garnish my wages. I have a problem with this on many levels. # 1.  This debt was paid by my husband nearly 10 years ago. # 2. Even if there were funds owed on this account, the statute of limitations have expired, and this company no longer has the right to sue for this debt. # 3. They are violating my rights under federal law XXXX Fair Debt Collection Practices Act ) and state law XXXX Georgia state statutes on debt collection ).
I checked my credit report and saw an account from Penn Credit for {$650.00}, original creditor is City of XXXX XXXX. I never received a letter about this delinquent account via mail, violating the FCRA, which states I'm entitled to a notice giving me at least thirty days to dispute the validity of the account. I have never had an account with the city of XXXX because i have always lived with my husband, and he takes care of our bills. Everything is in his name, so this has to be identity theft.
I have made over three attempts to get this company to provide me full verification of this alleged debt for {$2200.00}. I was only sent the last statement from the original creditor for {$2000.00}.
This is my last attempt for full verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.
On XXXX XXXX, XXXX, I signed up for a {$1.00} trial of CreditCheckTotal. I had used them for a number of months in XXXX. 

I pulled my credit report immediately, successfully, and I then attempted a cancellation. I called, but was told it would be a 3 hour wait. I hung up. 

I called the next day, XXXX XXXX, and was told it'd be a 3 hour wait. I hung up and replied in their welcome email this message : " I requested to end my trial after signing up. Please let me know if it's been done. Thank you. '' No reply came. 

I realized I'd assumed a lot in my last message, so I called again on XXXX XXXX, finding out I'd be on hold again. I replied ( in the same welcome email ) : Please cancel my CCT account. Thank you. I called your 800 number, but was told it'd be a 2 hour hold. 
Please cancel my membership. '' I forgot about it. 

Today, Tuesday, XX/XX/XXXX, they charged me {$29.00} since my account was not cancelled. 

This is wrong. They say they won't refund any fees, but also will not respond to requests for cancellation unless one stays on hold for hours to speak to a sales rep. This is highly immoral. It's thievery.
I received a check from my insurance company for roof replacement made payable to myself, a XXXX veteran, and my spouse. It was also made out to the previous mortgage holder, XXXX XXXX I endorsed the check and gave it to the roofer. He in turn, took it to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The bank cashed the check without the endorsement of the mortgage holder. I also called XXXX XXXX Bank, the bank the insurance check was drawn on because Bank of America told me ( after multiple calls to them ) that it was a XXXX XXXX problem not theirs. However, XXXX XXXX did not cash the improperly endorsed check, Bank of America did, I believe that the Bank of America did not follow their own guidelines when they cashed this improperly endorsed check. Please advise and I have provided a copy of the check in question. The other signature besides those of my husband and mine, is that of the roofer, XXXX XXXX. I have also filed a police report as XXXX XXXX never did the roofing work so I am out XXXX the money.
I have been writing letters to this company for more t han two years. I 've made several request for this company to investigate, re-investigate, requested copies of their IN VESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thoug  h TWO YEARS has already passed.
<P/><P/>
Alll I received from this comp  any is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
I am now abroad of the United States for 5 months, I think it is gon na be even longer ... Due to the fact that I do n't have access to my USA number they blocked access to my online banking. However, I have access to my email account which is registered in the bank. 
Several times I called them, explained that I 'm overseas and have only access to international number and e-mail they have in file. But they do not care.I ca n't check online what is going on there! 
I have 2 credit cards and 2 checking account, everything is blocking .... 
They may have confused my information with my stepfather, because when we first open a checking account, it was with his name like there are 2 people on the same checking account. But I have persona checking account! 
I also sent many times my documents via Fax ( instead of something to go to brunch ), as they ask. Absolutely nothing help! 
When I call them, they say different reason every time, first you have no USA phone number, the second some problem with one deposit a check or what, the third some deposits and more. 
In fact, I do n't have access online to my personal checking account and my personal debit card.
Hi I Lease A Kia XXXX 2017 With Kia Fianance. Im Also In A Joint Lease With My Mother And Ive Recently Missed Some Payments Due To My Job Not Paying Me On Time. As Soon As My Job Paid Me All The Money I Was Owed I Paid My The The Bill. And Its Now Current. But As A Result Of My Troubles My Credit Score Was Negativly Affected And Ive Tried Reaching Out To Kia Moters Fianance Multiple Times To Fix My Credit Score.
The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.
I WAS LOOKING INTO MY STATEMENTS AND FOUND A CHARGE WITH THE HELP OF MY FRIEND THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THE MERCHANT IS. FROM XXXX XXXX XXXX FOR XXXX ON XXXX/XXXX/XXXX. MY FRIEND AND I CALLED THE CREDIT CARD COMPANY FOR XXXX AND SPOKE TO XXXX XXXX WHO WAS SO MEAN AND NASTY TO ME AND TOLD ME I DID MAKE THIS CHARGE WHEN I DID NOT. I ASKED TO BE TRANSFERED TO HER XXXX AND SHE DISCONNECTED THE CALL. I AM A XXXX CITIZEN AND I CAN AFFORD TO PAY FOR THINGS I DID NOT AUTHORIZE AND ITS A ALMOST XXXX CHARGE. PLEASE HELP ME GET MY MONEY BACK. I AM LOOKING INTO MORE OF MY STATMENTS TO SEE IF THERE ARE ANY OTHER CHARGES ON MY ACCOUNT. PLEASE HELP ME.
To Summarize, I refinanced XXXX XXXX XXXX XXXX CA XXXX with the same bank BBVA Compass The loan officers promised me that they had a way to lower my APR by splitting my Jumbo loan of XXXX XXXX@5.25 into two loans I was promised verbally repeatedly and consistently that both loans will be fixed and money will go towards interest and principal I had good relations with loan officer so I signed the paperwork, only to realize that HELOC was interest only and tied to some Govt interest Rate I was truly misled and made the mistake of signing documents with their verbal reassurance BBVA Compass XXXX XXXX Financial Sales Advisor - XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, CA XXXX Desk XXXX Branch XXXX  ext XXXX NMLS # XXXX All I have been pleading is I want to pay off my loan and as verbally promised repeatedly that both loans would be fixed rates I either want my original loan back or please convert HELOC to a fixed rate loan These are unfair practices used by banks and mislead consumers Please help and advise, I am willing to work with them to achieve a resolution, they have put through months and months of harassment and underwriting and denied helping Best XXXX XXXX XXXX
On XX/XX/XXXX, I received a letter from a collection agency from XXXX XXXX about collecting a debt from XXXX XXXX. The company wants to collect XXXX dollars from my ex-husband who died in XX/XX/2018. My daughter previously contacted XXXX XXXX and told them that my ex-wife husband is deceased. He did not leave a will not anyone is responsible for his estate. He did not have a power of attorney.
I went to the hospital on XX/XX/18 to be seen. After a few weeks I received a bill from the hospital for around {$1000.00} dollars and I immediately paid it off in full. XX/XX/XXXX I got a letter from ProCo which is a collections agency saying I still owe {$2100.00} for unpaid bills to the hospital. I have never once received anything in the mail from the hospital after paying {$1000.00} so I assumed that everything was all done. There is no way that I could have known that there were more bills to be paid. It is completely unfair that my credit score will now be ruined because I never received any other bills from the hospital, they assumed I did not want to pay it, and it was sent to collections.
I recently missed a payment with Capital One in XXXX and XXXX 2016. I began receiving harassing calls at my place of employment regarding the missed payments. I agreed to setup a payment with Capital One and discovered my account was restricted due to alleged fraudulent activity on my account. I spoke with several agents that were unable assist in helping to explain this issue. I spoke with a supervisor XXXX XXXX on XXXX XXXX, 2016 regarding the fraudulent issue surrounding my account and was advised to provide documentation regarding a suspicious address change XXXX XXXX, 2016. 
I have n't reported any suspicious activity on my account I just missed XXXX payments on my account. I have n't requested to change my address on my account. I have n't had any issues until now that I have missed XXXX payments but, my account has had perfect payment history including an increase of my limit on my account prior to XXXX 2016 before I missed those payments in XXXX and XXXX. Why is my account restricted? Why is it that your supervisor that is paid to provide answers and represent your company in a professional manner ... .CANT! I 've always made my payments online via my checking account info which verifies who I am ... or over the phone. I do n't understand. My contact phone number may be outdated on file because my number has changed but, my address remains the same. I can provide a recent statement delivered to my current address. 
I have verified my info with several agents, my account was verified at my initial setup when I was approved for my account over a year ago, I receive statements at my current address and calls at my place of employment so, why is my account restricted?? but, XXXX refused to provide a Customer Relations Mgr 's contact information or provide an opportunity for me to address my concerns in writing ; he also refused to provide any information detailing this alleged fraudulent activity. I 'm disgusted that as your customer I 'm being treated like a criminal and being refused access to the account I am liable for and that is still currently being reported to my credit report on a monthly basis. I am uncomfortable with forwarding my SS card, ID and other personal information to Capital One when they ca n't ensure that my account or my information is SAFE or provide me with any explainations as to what is happening with my account besides that " my address was changed to a suspicious address '' without my consent but, I have to forward info ... .although I have n't reported any suspicious activity with my account ... ..why was my account singled out?? I need some answers.
Transunion/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX
Greensky tells me that I owe them {$0.00} and that my account is closed. See attached documentation. Despite me not owing anything on this loan, Greensky is still reporting to the Credit Bureaus that I owe {$7300.00}.
I dispute this with credit Bureau and the Collections company claims to have verified the debt without sending me any proof or verification whatsoever. 
I demand that they immediately remove the negative items on my credit report immediately or proof to me that I owed the debt by providing me documents and the original contract of the debt.
XXXX XXXX XXXX closed my home loan/sold it to Bayview LLC collections and BAYVIEW will not report to the credit Bureau for some reason never missed a payment in 10 years this is not right that XXXX XXXX XXXX clearly says no late payment since 2007 XXXX XXXX XXXX is still on my credit report..but as closed real estate
-Received a collection notice dated XX/XX/XXXX regarding collecting a debt from XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX - Wrote back on XX/XX/XXXX indicating that this was not my debt, I have no knowledge of this and if they feel it is proper, send nature of debt, original paperwork or other documentation. 
- Never received any further correspondence. 
-On a routine check of my credit report at the beginning of XX/XX/XXXX, noticed XXXX Collection effort showed up on the credit report. 
-Called immediately, talked to XXXX . He took my name, phone number and email and told me XXXX XXXX would be contacting me. 
-After one week and nothing from XXXX , I called back and talked to XXXX again. I asked him to connect me to XXXX, he said she was busy. He gave me XXXX 's email address as well as a general email address and suggested that I email her and register the dispute on the general email address. I sent 2 emails disputing the debt and suggested this was most like identify theft and asked that she acknowledge the dispute. 5 weeks later, I have not gotten a return email. 
- I recently received another collection attempt from XXXX offering to settle the matter for a 25 % discount and threatening further collection action. I did receive with this collection notice a description of debt as well as some personal information on myself that is readily available on the internet such as address, phone number. It also had partial information on a bank account that I do not own and an email address that is not mine. It does not appear that this lender, XXXX XXXX XXXX asked for any form of identification or original signature when this debt was initiated. 
-I send another letter disputing the debt and asked if they could provide any information that this debt was mine.
On XX/XX/XXXX I was seen by a care provider that goes by the name of XXXX XXXX. My insurance was not billed correctly through them and I was trying to dispute the amount of {$140.00} to bring it down to {$40.00} which is my copay. In the process of doing so, the account was automatically turned over to Collection Bureau Incorporated in XXXX Idaho on XX/XX/XXXX. XX/XX/XXXX Collection Bureau/ XXXX XXXX XXXX XXXX . ( Attny. And owner of collection Bureau LLC. ) served legal papers to collect this debt plus the incurred charges as followed : The original debt of {$140.00} from XXXX XXXX Attny fees of {$140.00} COURT COSTS : {$160.00} PROCESSOR FEE : {$30.00} AND 12 % INTEREST : {$9.00} TOTAL AMOUNT IS NOW {$480.00}. When I call them to resolve this matter, they told me they made several attempts to call me and send me letters in the mail. I received one letter and one phone call only and let them know that I was disputing this matter with XXXX XXXX and my insurance. Not once did collection Bureau inform me that they were going to file a claim against me if it was not paid in a certain time frame. I believe that this attorney is double-dipping and taking advantage of people that are already having a hard time paying their bills it seems that this should not be legal.
I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent companies.I am requesting all transactions with a company by the name of XXXX appearing on my bank statement as XXXX XXXX be disputed as the services purchased were not provided to me as described.I paid them in XX/XX/XXXX2015 after they contacted me by an unsolicited telemarketing phone call. I have allowed more than enough time to pass and at this point I have come to the realization that they took advantage of me.