WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a collection that stated i owe {$490.00} which is with XXXX XXXX. Account number being XXXX. The creditor responded back in a timely manner with a statement saying they verified the debt and its 's mines. Defiently not true. I then wrote back and ask them how did they verify this debt and please provide me with an original contract of some sort with my signature on it which should have my correct spelling of my name. All paperwork that has been forwarded to me also the credit bureaus has misspelling of my name also.
I had fraudulent charges on my bank account. I have filed four claims that are being rejected because the employees are not filling out the claims right. I have been harassed up to four times per day including Sundays from the collections department after being promised by two managers to have the calls stopped. I have wasted over 5 hours calling and waiting for them to not help me and to tell me that I owe them {$100.00}. I am sick of waiting for help, They told me on XXXX/XXXX/2016 that it would be resolved in 90 days. We are at day 91 and I had to fill out ANOTHER claim today.
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with XXXX and Kohl 's? XXXX XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.
Experian is incorrectly reporting a record from XXXX XXXX. This has been disputed several times and is now past 7 years but it is still reporting. If this is not resolved, I will seek legal action.
XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus EXPERIAN, XXXX AND XXXXIT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached experian credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
XXXX XXXX I purchased a vehicle from XXXX a XXXX XXXX XXXX which turned out to be a lemon they didn't tell me that there was transmission issues and the company was in class action for that vehicle so at that time my credit score was very very very low I had no choice but to go to a buy here pay here they approved me I paid on my car for a year my credit score went up dramatically probably from XXXX all the way up to over 600 well due to the fact that the transmission was faulty in my XXXX XXXX I got the recalls fixed a day after I got back from the XXXX dealership the car accelerated and jolted resulting in a car accident which total my vehicle I paid XXXX a month for a year plus the {$1200.00} down payment the gap insurance and my insurance ended up paying 17,000 something something dollars plus my Years payments am a down payment I got nothing so they said they would put me in a new car no charge to pick out a new car for {$15000.00} no down payment but when they set everything up they gave me the same interest rate that they had gave me a year prior with my low score instead of running it with my new score a year later after I got better so I'm still paying high interest rate at 18 % interest from a score from the year prior when my credit was bad after I had already been paying them for a year and establish better credit but had no choice because I had no down payment because I got no money from the first vehicle accident so I'm wondering why am I paying high interest rate when my credit was better and they never ran my credit again they just use that your prior score and why did I pay so much for a car that wasn't worth it because after I purchased my XXXX XXXX XXXX  for XXXX I had it appraise for the value and it was only valued at {$4000.00} even the insurance company valued it at XXXX so why did I pay XXXX XXXX in total XXXX for a car that was not worth it and that was the lemon they had issues to the car dealership knew about
Had hail damage in XXXX and insurance did there part now nationstar mortgage has had my funds since XXXX and it is now XXXX. I 've sent over every document they have asked for and in XXXX they sent one check and asked for the same paperwork that was submitted with the contractor amount so I sent that so they would release the remaining amount and they approved the paperwork and when they sent the check they put somebody else 's name on it so I called and returned it and was told that they were going to burn it and resend another one but three weeks later they want the same paperwork I 've already sent and then the representative tells me that he sees in the notes that everything is there and that he is getting it approved and then I get notified by email that the check was released and then when I receive it, it is a very small portion and has the same wrong name on it. These guys are terrible at there job. Need help cause I 'm tired of dealing with XXXX who tell you one thing and then something different happens
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( XXXX : XXXX Experian : XXXX ), Unknown Name ( XXXX : XXXX ), XXXX   XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), SXXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XX : Experian : XXXX XXXX : XXXX ), XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ).
While reviewing my Transunion credit report, I noticed that I am documented as having late payments from XX/XX/XXXX - XX/XX/XXXX for my XXXX card account. 

I contacted XXXX directly and was informed that XXXX is not showing any late payments on my account and suggested to request an investigation to be conducted. 

I would like an investigation and confirmation that these late payments on my credit reports belong to me.
They withheld information. My loans were consolidated with XXXX and a few days later, I started receiving mail from Navient saying my loans without my permission. Also, in XXXX I received a call from XXXX XXXX saying they were about to garnish my wages because my loans were in default. Never in my life have I allowed this to happen. They actually left my apartment number off the address. My phone number was the same number I had since XXXX, so I 'm not sure why I was never called until it was too late. I then had to pay almost {$100.00} for 9 months before I could go back into a repayment plan. This website will no allow me to submit the complaint using the option 'Getting a loan ' option. Taking me to XXXX page on XXXX.
On XX/XX/XXXX i received a alert of my XXXX that US Bank pulled my report, i did not authorize this and no where on their checking application was their a disclaimer that they would hard pull my report this companies practices are very unethical and have hurt me by dropping my credit score and that will affect my interest rates, no one at US Bank is willing to help and the customer service is the worst i have encountered in my 30 years of life, there are no words i can think of to appropriately use to express my anger with US Bank.
I bought a car in XXXX XXXX. I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX XXXX I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
Yesterday, XX/XX/2018, a man called my employer by the name of XXXX XXXX and was very rude to the receptionist when she explained that I was not there. He indicated that he was collecting on a debt and told her to demand that I call him back at XXXX. As I researched this, it is to XXXX XXXX ... a debt collection agency. I do not owe them money. They contacted my work at XXXX which is unusual because I have never used that work number on any loan or credit card that I have applied to. Honestly, I do not know what that number is. What I do know is that this XXXX found out where I worked for the national register for XXXX that is posted on the internet as I am licensed nationally and then called my work. I CAN NOT ACCEPT PERSONAL PHONE CALLS AT WORK ... I WILL BE TERMINATED. Yet ... this firm continues to call. I have no paperwork in the mail telling me what this debt is. I've never heard of them. XXXX XXXX also claims to be an attorney. I do not appreciate him calling my work telling a receptionist that I have bad debts and bad checks.
XXXX   XXXX  claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court  in  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitte d in Open Court th ey were only responding to a dispute letter. They had sent me no default letter, notic e of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.
The day of my payment or a day after, I receive multiple pre-recorded or phone calls from live people requesting that I call Conn 's.
I have a American express prepaid gift card and the same day I got the card the card was used. I tried working with the company that made the charge and go no where. Then I tried to work with American Express and they wont help me even tho theres a police case. Every other gift card company like XXXX and XXXX offer help to get your money back but American express do n't care about you.
I am a housing counselor working with a borrower who 's loan is serviced by Bayview. Bayview under charged about {$3300.00} for escrow in XX/XX/XXXX and the borrower elected to pay this amount in a lump sum in XX/XX/XXXX. However, Bayview continues to charge the borrower a mortgage payment including {$370.00} extra for the escrow repayment. Each time the borrower tried to contact Bayview to find out what happened to his payment, the system hangs up on him and he can not reach a representative. We called Bayview together using a desk number for a Loss Mitigation Representative that we had on file at our office ( because I also experienced the inability to reach a live person ). XXXX, the representative we spoke with, supposedly moved the funds.from a XXXX account where they had been mistakenly placed to the escrow account. However, the borrower continues to be charged the additional {$370.00} for escrow repayment. Each time that we contact Bayview we are unable to reach a representative through their customer service line and they give us the run around about the escrow account.
I had a XXXX XXXX XXXX XXXX card, which was my primary credit card, XXXX now uses Barclays/Mastercard. Change over happened at the end of XXXX, XXXX and my XXXX Records vanished. I need my XXXX statements to do my XXXX tax return, they are unavailable for either company. I contacted Barclays in early XXXX ; they said they 'd send me hardcopies but not sign of them. I filed an extension, but I really would like to file.
Called to pay off my escrow shortage on XX/XX/2017 at XXXX am from phone number XXXX. Customer service agent was rude and would not change my monthly payment amount. I requested my excrow be paid off and monthly payment be changed. From the time I have had my mortgage I have always over paid my principle each month. I asked to have my autodraft changed so I could again be paying more than my principle. She argued with me stating that the bank could not do that and why should I pay more than my monthly payment. She then placed me on an extended hold without any notice and transferred me to XXXX employee number XXXX. When I was transferred over to XXXX he was unable to see any notes concerning the conversation prior to the transfer. XXXX was able to process my escrow shortage payment for next year and adjust my monthly payment. 

I am requesting the first agent be terminated and never again be allowed to work in the mortgage industry. No consumer should be argued with when be proactive in paying their blls.
Bank of America has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, XXXX, and XXXX to mitigate the negative situation. Numerous attempts with BOA failed to achieve any resolution. Will never do business with them again.
Experian continues to report inaccurate information from XXXX XXXX XXXX and guarantythat does not belong to me on my credit report. I am a XXXX with XXXX other cousins with the same name ( that I know of ). this information is not mine. I have sent over 20 emails to Experian and they have not responded except with form letters. The other two reporting agency, XXXX and XXXX, has removed the items in question. The creditor the debt was sold to has also removed it as well. I finally sent experian a procedural information request letter per the FCRA and they have failed to respond.
I have repeatedly contacted the credit bureaus as I am a victim of identity theft. The hard inquiries are affecting my credit report. They refuse to remove them
This is a follow up complaint in addition to my first one that was sent on XX/XX/17 evening, after sending my first complaint, my wife was finally able to reach a representative of BBVA, after trying for almost two weeks ; however, after speaking with the BBVA rep, they told my wife that BBVA did not receive our XX/XX/XXXX payment, and that we were 43 days late, and they had turned our account over to collections. 

We paid our car note payment for the month of XX/XX/XXXX on time, and my wife sent a copy of the payment to the BBVA representative, and after the BBVA rep received our proof of payment that was made in XX/XX/XXXX, they refused to receive our payment for XX/XX/XXXX ; and stated they had to get the XX/XX/XXXX payment issue fixed first. 

This shows incompetence on BBVA part, because they somehow lost our payment that was sent on time in XX/XX/XXXX, and to make matters worse, they were showing us being 43 days late, which means they could have scheduled our vehicle to be repossessed without us knowing it ; all because of their incompetence. 

We dont understand why BBVA is being so difficult, and I cant reiterate enough, that it does not make any good sense as to why BBVA will not allow us to make our car note payment online anyway! 

BBVA have been so unprofessional, we have wondered if we were really making payments to the real Bank!
Green Tree Servicing LLC, has issued a summons for Lawsuit, Pettion for Writ of Replevin and Complaint for Money Due. 
I have been Unemployed for XXXX months past due. I have reciently found Part time work at XXXX. I will now be able to make payments. I have made approximetely XXXX monthly payments of XXXX out of XXXX scheduled. 
I have tried to reach Plaintif for Loss Mitigation Package but there has been no responce.
I have been charged with a missing key on XX/XX/XXXX for {$400.00}. We have repeatedly told Toyota Financial that the 2nd key was placed with the documents and it was placed in the glove compartment. Please note that the car will not lock if it senses a key inside the car. The car was placed under the dealership from XX/XX/XXXX, until it was inspected on XX/XX/XXXX. The XXXX XXXX XXXX was left unlocked for 7 days. During this time, the key was either removed from the car and misplaced or thrown away. No one from the car dealership nor the Toyota Financial contacted us for the missing key only after I received a letter on XX/XX/XXXX, noting that I own them {$400.00} for the missing key.
After reviewing my XXXX credit report I found that a debt collection company ( PMGI LLC ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.
As the XXXX, I applied for the AMEX Platinum card with an offer of XXXX and another XXXX if I spent $ XXXX on the card in first 90 days. After the 90 days, AMEX only deposited XXXX miles in my account. After contacting them and having the letter offer and offer code, they said " we do n't have any record of that and ca n't help. '' This is misleading and wrong -- we intended to use those miles to help our small business grow. Open to suggestions.
This company keeps calling my phone using a auto-dialer which is against federal law and when you pick up they hang up. This has happened numerous times, and I have record that these people keep calling. I am tired of the harassment and repeated calls from auto-dialer with this company. When you call back, they always say its a mechanical issue.
Transunion " verified '' collections with XXXX, however, I have provided proof to both XXXX and Transunion showing this is not my debt. XXXX has removed all entries on my credit reports on XXXX and XXXX, but failed to remove these entries from Transunion.
Viking Client Services ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XXXX/XXXX/2017 and on XXXX/XXXX/2017 - They contacted a relative and left a message, then disclosed that they are attempting collect a debt.
The previous person that had this phone number is the one they are trying to reach. We have had this phone number for 8 years and they are still trying to collect from him. Is there some way we can stop these phone calls. We have an answering machine that picks up and our tv has give us this phone number and the caller phone number XXXX. They call two and three times a day every day of the week even on Sundays.
I called to setup payment and during the process I was asked few questions about address, card information and phone number. In addition to that the rep started asking for current employer and other details which I was not comfortable to answer. I declined it, and I told him I wonder why you need all other information and is it a standard practice. I was told yes, and I asked can you please share your compliance / data collection policy for my reference. The rep immediately told me he will transfer to someone in the compliance department. I asked for the same and expressed stating that it is not required to ask these questions. She told me immediately that you wanted a " free service '' sir and so you do not want to give information. This was an accusation and told her we changed our homes and somehow it bill got slipped off. This is the reason why I called to pay it off and i am glad you have called to resolve this. She continued to act rude and make statements which I never experienced before. This is unacceptable for any consumer to get treated like this. It is a simple question and she could have answered. Now, I would like to see their data collection policy which she declined to share. Please bar these types of companies. Her name XXXX XXXX.
XX/XX/XXXX I sold a property via short sale. There were XXXX loans on this property. XXXX loans were approved for short sale by Bank of America. Yet, Bank of America is reporting that I had a Line of Credit on the property, which I did not and they are reporting the settlement date as XXXX. I am currently trying to purchase a home, and it seems there continues to be problems with Bank of America accurately reporting information. This is the second CFPB complaint I have had to file regarding this matter. See the attached documents. Please submit a letter to me stating the fact that loan # XXXX in the original amount of {$280000.00} was closed XX/XX/XXXX. I have support showing that I was issued a cancellation of debt XX/XX/XXXX.
A lawsuit was filed by XXXX XXXX XXXX ( plantiff ) on a credit account issued by XXXX, by the Mandaarich Law Group, LLP, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This is on a debt of {$1700.00}. I have no idea who the original creditor is. They are stating in the suit that the last payment was made on XXXX/XXXX/XXXX. This debt is more than XXXX years old. I have not recieved any communication from XXXX that I am aware of until I was served papers on Friday, XXXX XXXX, XXXX. I am currently on XXXX following XXXX breakdowns XXXX in XXXX and XXXX in XXXX for which I was hospitalize twice. The greater of the year of XXXX and partially in XXXX.
I submitted dispute letters to Experian, Transunion, and Equifax on XXXX/XXXX/XXXX regarding collections accts that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items I disputed.
I have XXXX student loan accounts with XXXX. I did not realize that payments started on them because the notifications were going to a former email address and I began to accumulate late payments. When I pulled my credit report and saw the payments, I contacted XXXX and spoke to them about removing the late payments. I updated my email account and my loans are currently in forbearance. I asked them how soon would my credit report update the current statuses of my loans and they told me that since it 's updated on my loan accounts immediately that my credit reports should update as well. I took no chances so I printed XXXX copies of all XXXX accounts along with a credit dispute form and a letter requesting an immediate update of my accounts and certified mailed them to XXXX, XXXX, and Equifax. Within 10 days XXXX app notified me that my accounts were updated on XXXX, and XXXX, but not Equifax. So I called the company and got connected to a very rude agent. He pulled my name and verified that all my documents were in their system. Again, Equifax has my proof that my XXXX student loans are no longer reflecting as late. The agent proceeded to tell me that they are waiting for XXXX to confirm that my accounts are no longer showing late balances. I called XXXX and they told me that they did their part and Equifax has the power RIGHT NOW to update my account. I feel like I am being victimized by this company because I did everything to rectify the situation and if XXXX and XXXX updated my credit reports with NO PROBLEMS, why ca n't Equifax do the same? I have the certified green card with the company stamp as proof that they received my updated information.