WillisBack/dataset-financial-user-claim huggingface dataset:
Latest issue is not the first timetime. PHH mortgage reports severely late payments to the credit bureau when they were paid on time. When I call they claim no record of late payments on their end. They state they will correct the situation but do nothing. PHH mortgage has also XXXX some yrs ago modified my loan after I get hurt at work, accept the modified amt over a year XXXX times, then claim it was temporary, but because their system was behind, I would have to pay over XXXX to get acct current, and is adding it onto the loan. They have even reported that I was in foreclosure back in 2010, when I was not even behind on payments, causing a very high interest vehicle loan, they denied reporting that also, so the have ruined my credit, and are getting XXXX XXXX more for my house note. They have kept me from getting a loan, from inaccurate reports to credit bureau, cost me a high interest vehicle loan that I just paid off, and ruined my credit. Please help me! I will mail copies of many documents for proof!
As part of the settlement, BOA agrees to pay {$12000.00} moving costs. I have asked repeatedly to have this money forwarded to us. Once again in their response they have mentioned that they offered to pay the {$12000.00}. I am asking that you intercede an collect the {$12000.00} as part of their offer to sell the property. The property will be moved before the end of the month and the funds are needed to complete this.
Calvary, SPV aka Calvary/Portfolio SPV is attempting to sue me through the Law Offices XXXX XXXX XXXX XXXX XXXX XXXX for a debt of XXXX. This account was closed and part of a class action lawsuits against XXXX ; also Calvary/Portfolio is also the defendant in a class-action lawsuit that I am privy to. I have letters and post card proving that I do not owe the account, as the account was closed per me, noted by XXXX Also class action lawsuit settlement. Their information against me also included a false affidavit. I contacted the County Court with this information, and sent certified letter to XXXX XXXX XXXX XXXX XXXX as of XXXX/XXXX/2017. However, Calvary has resubmitted items on my credit report dated XXXX/XXXX/2017, stating the balance still and that I am disputing it. It is still entered on my report as a debt. No information has yet to be sent to me or reply to the court regarding my answer on their potential judgement.
I had a great experience with my car loan through Ally Auto - until it was paid in full. Back in XX/XX/XXXX, I receive the title to my vehicle once my balance was a XXXX. In XX/XX/XXXX, I tried to sell this vehicle. When I filed for a duplicate title, I found out Ally still had n't released the lien on the car. I 've contacted them 3 times & have requested 4 different formats of the lien release & have yet to see it.
I have been battling with Citi for awhile now. I have a Best Buy MasterCard.. I noticed a couple months ago they was charging me for something called Debt Protection fee. These fees arent cheap and occur monthly. Ive been charged over {$600.00} easily from this. I was told that I enrolled in XXXX of 2007. I never authorized this and refuse to pay the fees Ive been charged for the previous years. At bare minimum the last year. When I try to call they tell me theres nobody to talk to about getting my refund for the previous year. They tell me they have to send it to someone higher up and then thats all they can do. I dont believe this, they are basically telling me I cant speak with someone that is denying these letters. Ive gotten them to send 2 letters to the higher ups and of course both times its denied. This is apparently a huge problem since Ive looked it up. How can I not talk to the people in charge of telling me no? What is the point of the job the people have I actually do get to call and talk to. They basically want me to quit trying and pay all the money and I wont.
In XX/XX/XXXX I had an outpatient procedure at XXXX XXXX XXXX. I got a bill from the out patient facility, XXXX XXXX XXXX and from XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, I called and spoke with XXXX XXXX XXXX because there was an error in the insurance billing and I had already paid a portion of the bill when I had the procedure done. I spoke with XXXX in customer service at XXXX and he said he was putting the bill on hold until they could sort out the insurance. 

Around XXXX and XXXX I called XXXX to check and they were still working on it. 

On XXXX I got a letter from CMRE XXXX. On Monday XXXX/XXXX/XXXX I called XXXX again and they said they had sent a bill and the insurance was corrected. I said I never got a bill. I called BCBS while XXXX was on the phone, verified the insurance and billing were correct and immediately paid the bill with XXXX. I got the payment confirmation number and immediately [ XXXX/XXXX/XXXX ] called CMRE explained the situation and gave the representative the payment confirmation number. They assured me it was n't on our credit and said they would close the file. I pulled my free credit reports and verified nothing had been reported. 

On XXXX/XXXX/XXXX I get another call from CMRE and they are attempting to collect this debt again. I again gave them the payment confirmation number and explained what had happened and that I had already called them with this information back on XXXX/XXXX/XXXX. The representative was very rude and dismissive and hung up on me. I called back and asked to speak with a supervisor and was told there was no one available and before I could say anything put into a voice mail box. I called back again and was asked for my information and push right through to the same agent who said, " I 'm not speaking with you. There is a process and I will verify if you made the payment when I can! '' and then hung up. I tried calling back several more times to speak to someone who could help and I kept getting pushed to voicemails or thrown into their phone system to push one to talk to so and so ... .etc.. 

I then called XXXX and let them know what was going on. They said since I made the payment online/over the phone there are 2 different payment systems and sometimes this happens where XXXX is n't notified. I asked again for a supervisor and spoke with XXXX XXXX who apologized and said that she would call CMRE and verify payment today.
In the past several months, at least once a month, I receive a letter from Chase Bank denying a request for a n Amazon .com Visa Signature card. Thankfully, these continue to be denied. My problem is I have never applied for these cards. I do n't want Amazon or Chase bank to continue to check my credit. What if my credit improves to the point they actually open these accounts. I have spoken to chase bank a couple of times. They have given me the fraud department # to speak to a specialist.      I spoke to chase bank today, I was given the fraud number and told the fraud department is closed on Saturday and I need to call during the week. The letter from chase bank is dated  XXXX / XXXX / 2017  and has a reference #
Through my employer I won a {$100.00} gift card and I was allowed to select the card ( SEARS ) that I wanted. My intent was to use the proceeds to make a payment on my Sears Card. There were no disclosures or limitations on used listed at my time of purchase. When I received the card later that day electronically, there was a list of limitation applied. I would not have selected their card had I known what I know now. I went to the my local Sears store and the manager advised me I can only use for purchases. 
I believe this is a deceptive practice and that it should be investigated.
I live and work in XXXX and I hold an Iranian passport. 
My Coinbase account has been block after I tried to verify my identity with my Iranian passport on XX/XX/XXXX. 
Before, I 've verified my Identity on Coinbase with my XXXX driver 's licence and my bank account and then started trading with no problem. After few days I was asked to provide one more government issued ID to double verify my identity. so I submitted my Passport. 
As the result, my account has been blocked, claiming I tried to log in from XXXX! The moment this happened I was in XXXX, XXXX enjoying my holidays. Which proves the excuse for blocking my account to be an absolute false claim. 
Since then I have no access to account nor my money. In total XXXX Euros and about XXXX Bitcoin I 've emailed 5 times, called customer support 3 times and I 've got no response at all. I even submitted the following documents as the evidences of my residency in XXXX on XX/XX/XXXX. 

- my Driver 's licence - my work/residence permit - Residence registration certificate issued by city hall in XXXX, XXXX - electricity bill - Heating bill - my Credit Card statement below is the message I received every time I try to login to my account : " Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ( XXXX XXXX of ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. ''
I am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please :XX/XX/XXXXXXXX XXXX 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Looked at my credit report on experian and it is showing XXXX ad 6 months I areas up until XXXX then suddenly in XXXX as up to date. It had always been up to date and I also find it weird how it then suddenly improves to not in arrears over 1 month. I have emailed as I find it very bizarre and is not echoed across my noodle clear score or equivalent report.
First Disputed this debt on XX/XX/XXXX with all XXXX credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Midland Credit Management ( Also known as Midland Funding LLC ) has been reporting on my credit and fails to provide proof of my obligation to this alleged debt which has been requested two times already. They have sent me a a spreadsheet with an account # and balances dating back to XX/XX/XXXX.To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see signed contracts saying that I am liable for this debt and that Midland has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Midland Credit Management they state " In response to your dispute, we have requested that the XXXX major credit bureaus change the status of this account to " disputed '' Your credit report will not be updated if the federal reporting period has expired. '' Is this a threat from Midland Credit Management to keep this negative information on my credit for as long as they would like??
They call multi times a day. I have already requested the information on said debt be mailed to me as I have NEVER received a single bill for this debt since I stopped service with said company they are collecting on. And the account was closed two years ago. I have n't heard a thing or ever got a final bill from company. And all a sudden they want my FULL social and address and all that. I told them once to send me mail on behave of the company before I would talk anything about the debt as I want to protect my identity. They refused, and are now calling me everyday and if I do n't speak to them they will keep calling like 5 times a day. On top of that they call using ant automatic system that tells me to wait on the next avaible rep as if I called them. I 'm sorry but if they gon na call me they need to speak with me directly not make me wait on hold for them! That 's rude and illegal at that!
On XX/XX/2018 I received a letter from Cabela 's Club Visa that due to a credit report that THEY pulled from XXXX ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because XXXX reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of Cabela 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a disabled veteran and am on a fixed income and because of credit card companies practices to do this to disabled veterans and keep us from building our credit worthiness, this is discrimination! Cabela 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!
I been a customer of XXXX for ten years and in about XX/XX/XXXX one of XXXX customer service agents in they questionable pitch go me to open a XXXX credit card I did but I closed the account within 30 days as instructed if I no longer wanted that service. I had order several items a phone, printer and paid them off through my XXXX online website account to that company instead paying debt off to XXXX XXXX XXXX [ hereinafter " XXXX '' ] contracted by XXXX for the said credit card. then abut XX/XX/XXXX, started getting ls from XXXX stating that owe a erroneous balance of XXXX on a count I had closed within prescribed time to avoid such complications. I called XXXX to complain about this issue they told me to write a letter disputing charges I did to prevail the next month in XX/XX/XXXX billings invoices continue arriving. So called XXXX to tray to get them to intervene & resolve this issue through a 3-way phone call which was futile because XXXX customer service Reps just abandoned & left me to the misleading and unscrupulous conduct of XXXX. I had spotless record of paying my debt with XXXX and it is my contention that XXXX is at fault here for XXXX   XXXX onto their loyal customers who are then taken advantage by the deceptive business practices of XXXX. I threatened to get an injunction from the XXXX District Court of New York Court to cease the unlawful credit card practices by XXXX which just ignore me and in the event this agency does nothing I ight have to take court action option filing a pro se complaint in the matters discussed here. I am XXXX years old XXXX XXXX XXXX who need s assistance from these alleged abuses. These issues are causing me in-necessary emotional/mental duress and potential economic injuries. I hold XXXX equally responsible for the problem because their greed in getting some sort of financial kick back from taking advantage of unsuspecting victims as my self and should be held responsible by this agency or any other responsible agency or court of law for the deprivation of an apparent 14th U.S. Const. Amendment violation, of the Equal Protection & Due process Clauses.
I have tried reaching out to the apartment complex to get vitrifaction of this and failed attempts telling me to get a lawyer to release information I have never ever stated at the reporting apartment   XXXX   XXXX   in   XXXX   XXXX   Arkansas never have I signed a lease or heard of them I have no known address associated with this place and I have contacted the creditor also informing them of the same information this is not my debt and has been holding me back from getting approved for any apartments in my name I really need this removed or verified as providing proof of Identification and social security card due to this is the information that would be need to put anything in your name. If I am not able to get some type of proof that I stated and leased an apartment with this place I need it deleted from my credit profile.
I reported the below XXXX items at least 7 times to Fraud Dept. immediately and never received the credit : Confirmation numbers of reported the Frauds : XXXX done with XXXX XXXX, XXXX Manager, XXXX done by XXXX, I also spoke with XXXX XXXX in Fraud Dept., And I sent a Facsimile. 
Again, I have the original documents with notes : XXXX XXXX XXXX, XXXX, CA XXXX/XXXX/XXXX {$54.00} XXXX XXXX XXXX, MN XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$23.00} Although I reported these immediately no credit was issued. 
I have original documents and above are some emails sent to the prior manager, XXXX XXXX.
Because XXXX erroneously charged me XX/XX/XXXX for a XXXX membership that I did not want and have never asked for, AMEX has not understood nor acted properly when I have assured you that your credit to my account simultaneously with XXXX 's credit has continued to show as a DEBIT over and over each month for {$99.00}. ( If you will review the attached statements and letter from XXXX ) AMEX has determined this to somehow be a debit that I now owe. Just remove your credit and this should leave a XXXX balance. However, over the past year - late fees and interest have continually been charged which is illegal on a disputed amount. 
On my XX/XX/XXXX statement - payments are shown for the balance with new charges of {$190.00}. There is no explanation of what this {$190.00} represents. Do you know? I can not follow your continual month to month charge of {$99.00} to my statement even after you agree to my dispute. 
As you can see from the attachments herein, nothing has been purchased and every transaction shown is your company trying to force me to pay you for NOTHING of value received by me!
Synchrony bank reported my card lost or stolen it never was and I never said it was you can not understand anyone they put on phone and they XXXX me on intrest I 'm holding the card right now I 'm sick of waiting for a new card I just want to talk to someone I can understand
http : XXXX On top there's a link that mention XXXX being discriminated and where place on high end mortgages because they where XXXX. Feel that I was discriminated because I am XXXX and Wells Fargo took advantage of my background. Need you to check if all documents since we began our mortgage with Wells Fargo were handled correctly.
There are 3 accounts on my credit file being reported by Navient # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX reports 60 days XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

XXXX  v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information.
So I had a line credit that I defaulted on the payments, so I made a payment arragement which I did pay for a while and again I defaulted on that due to financial issues .... 

So the original creditor gave the account to a debt collector that has been calling me harrasing me itimidating me and torturing me mentally and emotionally ... 

He has threated me of taking me to jail and has accused me of fraud and that I am a criminal. 

He also told me that he had recorded me on the 1st conservation that we had which I did not consent to nor was I aware that I was being recorded. 

Also, he pulled ny credit report with out any written consent or authorization. 

XXXX XXXX Ashton & Weinberg , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX That is the debt collector information
On a regular ( at minimum 2 times a year, realistically, quarterly ) Navient " accidentally '' applies all, or a portion of my loan repayment for my private loans ( high interest rate ) to my federal loans ( far lower interest rate ). Then, they apply a late fee, send collection letters and remove my participation in loan repayment incentive programs ( ie minor interest reduction for timely payment ). This has been increasing in frequency in the last 2 years. 

I have modified how my bank processes these payments to ensure that the account numbers reflected in my bill pay match those in my Navient statements for both types of loans. Yet, the problem continues. When I call Navient, they insist that I need to change my bank information. That is clearly not the issue. 

When I push back, they end up tossing me back and forth between the private loan servicing side, and the federal loan servicing sides of customer service- insisting neither can fully fix the issue. I typically have to point out I have already spoken to the other side of the company at least 2 times before the person trying to transfer me " looks one more time '' and is able to fix the problem. 

At this point, there is no way this is a fluke. It is persistent and nearly impossible to fix in any lasting or meaningful way- and the only solution Navient provides is that I sign up for their auto-debit. I do not trust them enough to do that.
Transunion wants to charge you for a credit report that you get free once a year, what they doing is another thing the reason why I ca n't access my credit report on line because you may have gotten a free paper credit report and they concider the online credit report as your once a year credit report and you have know access to the online credit without purchasein it from this credit bureau in order to make money off of the people who need to see there credit report to be able to dispute inaccuratecys the other two major credit bureauscore have online access if you need to dispute something what ever to the freedom of information act without having to pay for it.