WillisBack/dataset-financial-user-claim huggingface dataset:
We had another issue in which we had to file personal BK, however we had no intention of dissolving this debt and continued to make payments every month, and we were finally able to reaffirm the debt. In the last 4 months, they had mis applied a payment, so it was showing we did not make a payment, though they show they had it but did not apply it. So for the final 3 months, we did not make a payment until it was applied. Our loan was reaffirmed and the BK discharged, this company immediately sent out a foreclosure notice and will not apply the payment correctly. I spoke to XXXX in Executive Services, she researched it, agreed with us and was going to re apply the payment correctly. Someone above her denied the request and now they want to foreclose on this reaffirmation. We were under Bankruptcy protection and they can not foreclose on the debt, for missed payments while under the Bankruptcy, so this is illegal. This is related to our home in XXXX Nevada - Loan # XXXX
My husband and I are victims of and had our rights violated after my husband ( who at the time was an XXXX XXXX service member ) received a XXXX $ auto loan from Navy Federal Credit Union ( which was his bank during his military service ) who then started harassing us a year after receiving the loan because we fell a month or two behind on payments. Navy Federal Credit Union began making false threats about debt collection against us, and made multiple threats to us stating " pay or be sued! '' Navy Federal wrongfully froze us out from our account all because we had a delinquent loan. Navy Federal Credit Union ruined our credit as they reported it to go on our credit reports and also added on a large amount of fraudulent fees to the delinquent loan which made our credit report appear very poor and it caused years of living of denial due to our negative credit rating thanks to XXXX XXXX. The overwhelming harassment and threats started in XXXX up until XXXX. We have our credit reports to prove this as well as a few other documents to prove we were violated by Navy Federal Credit Union. We believe we are owed money and were never properly notified due to recent moves and believe we are entitled to the settlement XXXX XXXX was ordered to pay out to customers violated. Please contact XXXX or XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. our address is XXXX XXXXXXXX XXXX, XXXX Ohio XXXX.
Equifax, XXXX and XXXX are reporting a debt from XXXX XXXX as being accurate. I have asked all XXXX reporting agencies to verify the information and to include specific method of verification. Request for method of verification has been ignored and the debt is being wrongfully reported. 
In addition, I have contacted both the original creditor and the collection 's agency used to collect the debt and asked for validation. It 's been over 30 days and I have received nothing from the original creditor. The collection 's agency responded that they will cease collections activity and were not able to validate the debt. If neither the creditor nor the collections agency have not validated the debt, how is it that the credit bureaus are reporting this information? They have clearly not done their due diligence as required by law and are merely parroting what the creditor told them. This misinformation is hurting my credit and subsequenlty, my ability to receive credit. I would like the credit reporting agencies to be held accountable and this inaccurate information removed from my credit report.
My partners and I opened a business account for our company XXXX with Chase on XXXX XXXX and on XXXX XXXX we deposited a seed money check from our investor. We were told that the funds would be held until XXXX XXXX. I told them that this is unacceptable and that I would need at least a portion of the funds releasde within a few days. The agent told me that would more than likely be no problem. However, it is now the XXXX of XXXX and the funds are still not available. I have spoken with my investor and was told that the funds were removed from his account on XXXX XXXX.
CHASE AUTO MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
I have tried numerous times to get my free credit report from https : //www.XXXX.com. It keeps looping and giving errors so that I can not obtain my credit report.
Company - ditech Started dealing with them on XXXX XXXX, XXXX until present I was provided with incorrect information to pay off my loan. I was told that I could pay it monthly until it was paid off However, this company lied and reported my account past due to the credit agencies. I had not missed a payment. I was not given a date to pay it off -- just pay until it was paid off. I have contacted them. But to no avail. As of XXXX XXXX, XXXX, it was paid in full. I am requesting the company to correct my status with the Credit Bureaus to PAID AS AGREED. Also, this company has reps that provide incorrect information on a daily basis. Please advise. Thanks
I sent XXXX a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company responded by writing that the loan had been transferred to another company. They did not provide proof of debt ( signature or otherwise and kept reporting on my credit reports. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
This debt according to the placement on my credit report was from XX/XX/XXXX, my wife and I have never received notice. This was just placed on our reports on XX/XX/XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.
I am sick with XXXX XXXX and XXXX XXXX. They used Multiple Toll Free Numbers, calling a total of 16 times within 10 minutes! I tried replying I was Sick, they acted like I was no  XXXX got very loud and kept saying I must speak to XXXX!
I have sent out numerous letters to the credit bureaus regarding these accounts with XXXX XXXX  regarding an alleged debt ACCOUNT # XXXX {$1800.00}, ACCOUNT # XXXX {$1500.00}, ACCOUNT # XXXX XXXX. I have been writing disputes letter to the company and the credit bureaus requesting to validate that this is my debt or account XX/XX/XXXX and they have failed to provide me with any contract that i signed with them or with any contract with the original creditor bearing my handwritten signature. And this is with XXXX AND XXXX.I HAVE WROTE XXXX ON XX/XX/XXXX AND THEY HAVE DELETED THE INACCURATE INFORMATION 0NXX/XX/XXXX XXXX HAS DELETED THE INFORMATION OFF MY CREDIT REPORTING BETWEENXX/XX/XXXX AND XX/XX/XXXX AND THEN REINSERTED IT BACK ON MY CREDIT BETWEENXX/XX/XXXXAND XX/XX/XXXXWITHOUT NOTIFING WITH ANY LETTERS OF REINSERTION. THEY ARE REQUIRED TO NOTIFY ME IN WRITING WITHIN 5 DAYS ACCORDING TO THE FCRA. AND THEY HAVE NOT YET TO DO SO AND ITSXX/XX/XXXX. I WROTE THIS LETTER TO XXXX   ABOUT THIS MATTER ON XX/XX/XXXX. XXXX IS DOING THE SAME.THEY ARE REPORTING INACCURATE INFORAMATION ON MY CREDIT REPORT THEREFORE DAMAGING MY CREDIT BEYOND REPAIR. I HAVE GIVEN THEM AMPLE AMOUNT OF TIME TO VALIDATE AND CORRECT THIS MATTER.
I have contacted All major credit bureaus on the false information listed on my credit file regarding this company. I have no knowledge of the amount {$60000.00} this company is saying I owe. Also there are two separate accounts showing as duplicates on my credit report which are closed and and paid showing negatively. I never opened any accounts with this company on XX/XX/2016. There are multiple errors that this company is reporting on an alleged account. This and all information must be removed from all my credit files.
XX/XX/XXXX got a call from a collector. Mentioned a payday loan that I did default. I paid them. Then today XX/XX/XXXX I got a call from another collector and said to pay the same pay day loan. Thinking this was another payday loan, I paid this guy. Later to realized I paid two collectors for the same loan.

I paid {$760.00} in XX/XX/XXXX and {$560.00} today. I think the loan was originally {$300.00}. I need to find out who
was the company that called me in XX/XX/XXXX.
Dfs legal service called XXXX family members discussing my personal business with them, scaring them into thinking I was going to jail.
Crown Asset Management bought my XXXX XXXX/XXXX  account in XX/XX/XXXXafter XXXX  wrote it off because I am on XXXX  and could not pay it. Now my husband is retired due to health issues as of XX/XX/XXXX. We are both on fixed income.

Through the remainder of that year and all of XX/XX/XXXX I never heard from them at all. Nothing!!! Now I have been served with a paper to go to court in XX/XX/XXXX over this. Im barley physically able to take a shower and do grocery shopping. We have nothing of value to lien, live in public housing, and I have a 20 year old car.
Knight Adjustment bureau is double reporting on my credit. They are reporting the same account XXXX XXXX is reporting. This in clear violation of the FCRA.
XXXX XXXX XXXX and IMPAC/XXXX XXXX are charging my husband and I 5 % interest for our monthly mortgage. I understand that this rate is too high. I spoke with another mortgage company that I plan to refinance with and they stated that I should file a complaint against these XXXX companies since they are charging such an enormous interest rate. 

In addition, I was advised that this interest rate is even discriminatory because my husband and I are XXXX XXXX and are making a fairly decent income.
They have called several times and will not tell me who the creditor is or what the debt is without my providing them with personal information ( my full home address, SSN ). 

I have not received any postal mail regarding a debt going to collection status.
I disputed amount owed. This account in closed and turned over to collections/ charged off but balanced owed increases weekly. Originally dated of dispute is XXXX/XXXX/17. Company has failed to respond within 30 days and has yet to remove account from credit report. Also said company is scheduled to garnish federal refund. This is account is closed and in collections/charged off, balance increases weekly, and set to offset federal refund for amount other than what 's reported on credit report also has failed to respond to dispute.
I was never notified about this debt of XXXX according to XXXX Diversified Consultant stated the addresss matched and I was not living there. This was over 2 years ago and XXXX did not notify me. Called XXXX directed me to Diversified requested a pay to delete and was refused. This was removed from XXXX and XXXX XXXX because there was no evidence of address or notifying me about this at all in its entirety.
I have proof in phone records that USAA collection department called me less than 5 minutes apart about a credit card payment due. The two that I spoke with stated that I was 33 days late. I was only 10 days late. I 'm very disappointed is the call. Usaa is suppose to be a good bank for military.
After receiving a letter from CITI indicating that my credit limit was decreased, I decided to call the XXXX number provided in the letter to discuss the information contained therein. The XXXX time I called, I spoke to representative XXXX. Right off the bat I was given the impression that customer service is n't top priority for their service department as she refused to pronounce my name indicating it was too hard. Shortly thereafter I explained to her the sequence of events that took place and was instructed to hold while servicing notes were being reviewed. Once reviewed, the rep apologized and gave me the option to have my credit limit reinstated, but my cash advance amount to remain at zero. I was told by the rep that this was company policy. I proceeded to explain my anguish with a company policy that penalizes customers for technical issues and requested to speak with a manager/supervisor. I was placed on hold numerous times and waited roughly XXXX minutes before the same rep came back to inform me of how nobody was available to assist me at this time. I refused to leave my call back number and demanded to speak with a supervisor immediately. I tried explaining my discontent with the process at which time I was told that CITI is in fact a big company with a lot going on, insinuating that I should be more patient. At this point I lost all faith with the rep in question and decided to hang up and try back again, hoping to get another rep with a better skill set and stronger ability to perform his/her duties. Unfortunately again I came across the same scenario. At this point I notified the rep that I would be contacting CFPB with the aforementioned information. Here i am.
I was in a XXXX XXXX in XX/XX/2017, which resulted in XXXX XXXX and XXXX XXXX XXXX. I have been making payments on this loan since, however this month I changed bank accounts and went to enter the new bank account number. I believe I may have entered the bank account number incorrectly due to my XXXX XXXX. I am asking that you do not mark me as late on my credit report for my one mistake. I am unable to work due to my health issues, and have a hard time making payments as it is, but I try very hard to make sure they are at least in before they would be considered 30 days late. I was unable to get help through the several emails I have sent, so this was my last resort.
I lost my job and fell behind on my mortgage payments in XXXX and XXXX 2014. I have been making payments since XXXX and Greentree rep told me that they would review my account for deferment program since I was only 2 months behind and had been making steady payments. I sent them the requested documents and called 2 weeks later to find out status. They told me they were missing the hardship letter and also that the pay stubs would now need to be more current. I asked if they needed updated bank statements as well and they told me no. I sent updated pay stubs and the hardship letter again.I called a week later and they told me they got the pay stubs but not the hardship letter and that I had to send it again! They also told me that now they also needed bank statements to be updated because in the delay in receiving all the paperwork. I explained that I did not cause the delay and that I had no control over their companies negligence in losing the same document XXXX times!!! I then asked them why I was not getting anything In writing about this entire matter but lots of other notices involving the default etc. they put me on hold and then never got back on the phone to discuss my concerns. I feel that I am being jerked around and the fact that they are not putting anything in writing about this deferment offer seems suspicious. I do not feel comfortable sending any more documents until I have something in writing stating what is needed and the purpose of such documents because for all I know they may be using them for foreclosure purposes and have no intentions of rectifying this matter.
I have XXXX sub-prime loans with Wells Fargo Bank. XXXX loan that I owe I have been paying. The other loan which I believe is fraudulent is behind in payments. Wells Fargo has sent an intent for foreclose based on the loan that is behind in payments. I understand that but they also have reported the loan that is not past due in foreclosure and added additional charges to my last XXXX statements based on their procedures to foreclose. They have also reported my account that is up to date and current past due. The additional charges they have place on my loan that was current have cause the interest payments at 8.6 % daily to increase making the amounts I submit for payment less on my loan and more in fees and interest. Can they do this on a seperate loan and still charge me fees on the one that is past due. Since I have asked the numerous time to combine the loans and they refused - seems strange to me how they can put charges from XXXX account on to a seperate account if they are not connected?
I have been trying to " lock '' my credit info with TransUnion, a service that they offer. I created an account with them on XXXX/XXXX/XXXX and tried to lock my info. Website reported it was unable to complete request and to try again later. I tried at least two more times on XXXX and twice today XXXX and got the same response. They provide no info on when their system will be able to lock credit info. I am concerned because of the XXXX breach. The other credit reporting companies ( XXXX, XXXX, even XXXX! ) were fairly easy to contact online to freeze credit info. BUT NOT TRANSUNION!
I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX  and XXXX its hard to focus and deal with this situation. Its not my loan.
HSBC changed their website to pay bills online about three to four months ago. The website is literally awful, impossible to navigate that I will now have to find time to close my online bill payment account which I have had for over twenty years. I have many automatic bill payment accounts, therefore closing my HSBC account will be time consuming. have two HSBC credit cards, a checking account and a savings account. In order to have free checking, I have to maintain a minimum of {$10000.00} in my savings account which is unacceptable. 

But getting back to bill payment. I tried to make a payment on my HSBC credit card, but I inadvertently made a cash advance instead. I called HSBC five minutes later and they refused to cancel the cash advance which carries a fee. They promised me it would be straightened out in 4-5 business days which is unacceptable. Also with the new online banking I can no longer see what my minimum payment due on my HSBC credit card account is. This is unheard of. A representative from HSBC told me I have to access my estatments.

In summary HSBC can not change their website to what it used to be. I have a college degree in XXXX XXXX  ; would be happy to send my college transcript, but this website is geared to consumers to miss payments and enrich HSBC. Case in point, when one wants to pay a bill, there is no pay bill to click on, one must click on " transfer money ''. How is one supposed to know this.
On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to XX/XX/XXXX and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their XX/XX/XXXX reporting. They verified their reporting was incorrect and verified that they sent over the correct information to XX/XX/XXXX on 3 different occasions. XX/XX/XXXX alleges they never received the updated information so my score is still suffering because of this one account and XX/XX/XXXX 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The XX/XX/XXXX Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.
On XX/XX/2015 I refreshed by Trans-union credit report with via the website. However, I was shocked to see my credit score drop from XXXX to XXXX. I was shocked because I paid down {$13000.00} in debt 2 weeks prior to refreshing my report. I called Trans-union only to be told the score dropped because they use an updated/revised score rage from XXXX to XXXX which lowered my score. I disputed this with the representative only to be placed on hold for XXXX mins I disconnected the call me due to the excessive hold time. I confirmed with XXXX and XXXX that my credit score remains in the the XXXX to XXXX rage.
Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with XXXX XXXX XXXX XXXX XXXX. He said he represents HSBC. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented HSBC and that I had a credit card with HSBC and was trying to collect a balance due. I told him that I did not recall having a credit card with HSBC and would like to have a number or address with HSBC so I could get something in writing from HSBC. He said HSBC no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to HSBC that stated I had 2 accounts with HSBC and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
I received a letter from XXXX XXXX XXXX XXXX XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with HSBC. But as stated above XXXX told me there was no longer any paper work since HSBC has closed the account.