WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint against DiTech and the late reporting to the credit bureaus. As I previously stated, I have tried on dozens and dozens of times to reach a DiTech representatives to discuss the matter, never to receive a call back or an explanation regarding the issues surrounding my account. The following is a list of dates where I left messages for DiTech representatives : XXXX at extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX XXXX extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX she stated she submitted a verbal dispute, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX XXXX ( manager ) x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX x XXXX - I spoke to her on XXXX/XXXX/XXXX and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up. 
XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, ( now, no longer with the company ) XXXX x XXXX : XXXX/XXXX/XXXX stated a supervisor would call me back, No call back. 
XXXX Customer Service stated XXXX x XXXX just acknowledged his email and would call back that day. I never heard back from her. 
XXXX x XXXX : stated my account issues go back to XXXX XXXX XXXX? really? 
XXXX x XXXX : XXXX/XXXX/XXXX stated he would review my account and call me the next day. No call back. 
Due to lack of communication from DiTech, and the fact that I tried to discuss my account with numerous representatives to find out where the discrepancies were, they should immediately remove the late mark from my credit report. THE FACT THAT IT TOOK SO LONG TO WORK THIS OUT IS UNACCEPTABLE! The constant different information from different representatives is also unacceptable! My persistence is the only reason we are now at the point that we are. 
XXXX XXXX
A dispute case was supposedly opened on XX/XX/XXXX for a fraudulent purchase made on XXXX, XXXX to XXXX XXXX. XXXX is my email for Paypal account. Someone used my XXXX account and purchased an item, a XXXX XXXX watch in the amount of XXXX. This information was provided to Paypal rep, a gentlemen whom I did not get the name of on XX/XX/XXXX. However, when I called today, XX/XX/XXXX, to provided additional information pertaining to claim I was told by Paypal rep a claim can not be opened due to status of account. As far as I know, no claim or case has been opened pertaining to this charge. I called XXXX and was referred back to Paypal, the XXXX rep said a claim was already opened which contradicts the information I was given just minutes earlier by Paypal rep. The information I was going to provide Paypal and XXXX is tracking information which shows package left with individual on XX/XX/XXXX. USPS tracking number is XXXX. I checked with my mother whom I live with, she was home on XX/XX/XXXX while I was at work, she did not receive any package. I checked with post office and was told package was left in parcel locker, which is strange as tracking info shows left with individual. The package is nowhere to be found, I've checked with neighbors and they have no package with my name on it. As stated before, I attempted to provide this information but was told by Paypal there is no case, which was contradicted by XXXX rep.
This debt did not follow the state guidelines. Amount is not correct. Refused to provide proof of amount owed.
I have XXXX issues that I have talked to Equifax about and nothing has changed. 

1 : First all my father and I have the same name and address so some of his stuff got reported to my credit. I did however get his accounts taken off BUT XXXX of his inquiry 's stayed on. I disputed it but Equifax left those XXXX on. XXXX was XXXX financial and XXXX XXXX. XXXX XXXX is XXXX 2015 and the XXXX loan ( NOT CREDIT CARD ) from XXXX 2015. 

2 : I had XXXX accounts I DID NOT dispute was taken off my credit and I would like them back. Equifax told me to call the merchant. The merchant told me since the account was paid in full and in good standing and closed Equifax would have to put it back.. The XXXX accounts i want back on my credit are XXXX : XXXX also known as sterling XXXX XXXX : was capital one/ XXXX XXXX. Please ADD those XXXX accounts back to my credit.
I received a letter from MCM on XXXX XXXX, XXXX, stating that I had a debt in their office regarding my XXXX Bank account. In XXXX XXXX, I called and spoke to XXXX at extension XXXX, at that time she made me a settlement offer of {$830.00}. I asked before I paid the amount would that close the account? She replied that if I took care of it that day that it would close the account with a zero balance, so I paid that amount that day. As I check my credit report, XXXX XXXX Bank is still showing the balance and a charge off, I have contacted XXXX on numerous accounts regarding this matter with no success. I have disputed this account with all three credit agencies with no success. So today I get an updated credit report on XXXX XXXX, XXXX, and MCM ( Midland Funding ) is reporting a past due balance of {$250.00} ( the amount from the original balance {$1000.00} from the settlement offer of {$810.00} ). When I called MCM I got XXXX different numbers to call as their office did n't handle the case. I finally spoke with XXXX XXXX XXXX XXXX ext. XXXX ) that informed my wife that he would look into and that he would ask for an update. I informed him that I have the bank statement where the monies was paid on that day and that XXXX sent us a letter where the debt was paid in settlement. XXXX informs me that once he receives the update that he will send out additional letter stating that there is a zero balance as well as contact the credit reporting agencies showing that is a zero balance. That is unacceptable as the debt was paid in XXXX XXXX and MCM did not report the debt until XXXX XXXX. I think that it should be removed as it was reported incorrectly. MCM has called family members and neighbors even after the debt was paid in full. MCM has also stated that there are additional debt in their office and I can assure you that they are not my debt.
In XXXX 2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} XXXX. 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.
XXXX XXXX. Someone from XXXX hacked into my western union account and sent from my bank XXXX. By the time I got email about it person picked up money. Then I get a receipt sent to me from someone who used western union to send me XXXX back from XXXX, unfortunately western union has no record with that tracking number. I immediately after each incident called western union and or my bank. 
Western union response was to send them documentation of both transactions to start investigating. 
Unfortunately because stolen money was picked up I could n't cancel transaction for refund and other transaction nothing but apology. 
My bank on first fraudulent transaction could n't stop payment because used my card number.
My wages are being garnished for a debt that has expired statutory limits by a law firm that I have never heard of. Garnishment has never been filed with the XXXX Court as presented.
I had a mortgage loan with XXXX Bank. It was an XXXX loan and you guys have helped out greatly with that. However, they sold a portion of the loan to Clearspring Loan Service in Texas. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have been paying them back a portion of the debt. They called me and I felt forced to make payment arrangements. This is still showing up on my credit report as collections for almost 3 years and I 've made arrangements. I still feel like I 'm being held hostage by XXXX when they did nothing to help me when I reached out to them for assistance. I 've increased my payment to Clearspring from {$100.00} to {$400.00} a month and they continue to report negative information to the credit agencies. Is there anything you can do to help with portions of loans that were sold to other companies? Thanks.
I have been repeatedly contacted by South West Credit Collections and disputing the debt as not mine do to identity theft. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. 
In XX/XX/XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. 
I have been repeatedly disputing the South West Credit Collections account. This is not my accounts. 
I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. 
In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with. 
However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XX/XX/XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XX/XX/XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so. 

I have previously supplied copies of the police reports to Southwest Credit, but they still have not removed this bogus debt from my credit reports.
Stellar Recovery INC is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
I demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
On XXXX/XXXX/2016 to XXXX/XXXX/2016, I was a victim of fraud for my capital one credit card. In lieu of this, capital one cancelled my credit card. I had a good standing for my credit card, making payments on time and trying to rebuild my credit. Someone opened up another card and I was not notified. I do n't think capital one asked for my information before letting this fraud occur. How can someone just call and open up an account by saying I moved and my card was stolen without capital one calling my phone to make sure it was me? I am devastated about this. And how can they just rip my credit card from my life because of fraud? They gave me a new number for a new card and made up a secret code and question to be answered before anyone can get information yet, still took my credit away from me. I did nothing wrong at all. I do n't understand why I cant have my card.
I have a secured loan through One Main Financial located in XXXX, VA. I was laid off from my last employer on XXXX/XXXX/2015 with no notice. I had purchased the payment insurance on the loan in case a layoff affected my work. Along with my monthly payments, I was making payments on the insurance. After losing my job and contacting One Main Financial, I was told that I had to complete a series of forms ( one of which went to my previous employer which they did not return ). This has held up the process and One Main still expects me to make payments. This is a secured loan, they are threatening to take my vehicle which is my primary mode of transportation to work. I took the insurance originally as it sounded so simple, " you get laid off, the insurance makes your payments ''. Nothing could be further from the truth. I am now 3 months behind in payments, they are threatening to take my vehicle and the insurance still has not settled. I do not understand how they can expect me to continue to make payments when I am out of work and I did purchase the insurance to cover this type of occurrence. I have received 4 to 5 calls per day, my relatives have been called ( this is none of their concern ), and I have continued to receive threatening letters stating that my vehicle will be taken away.
I was evicted from my aprtment complex due to my rent going up and me not being able to afford it. I was getting assistance from XXXX company so that I could pay a portion of my rent. My apartments filed against me stating that I owed an amount of about XXXX. I was taken to court and there I filed a paper affadavit since I wasnt able to afford to pay that much. I was told to pay to the clerks office a set amt each time so that I could eventually pay off the debt. Each time that I made a payment I would get a receipt. When the time had come for my final hearing in court, my apartments stated that they sent me a letter and even called me to inform me of the court date. I received the letter of notification in the mail weeks later. I was eventually put out of my apartment and had to move in with my parents. Shortly after this I was contacted by National Credit Systems and was informed of my debt to my apartments. I was totaling over XXXX. I started on a payment plan with the company for {$50.00} a month. Everything was going smoothly until I was charged XXXX one month. I spoke to a supervisor and it was straightened out. I continued to make payments of {$50.00} a month. They were taking out my payments on different days which was n't discussed with me. I was charged XXXX again for {$50.00} and told them that I did n't want to be on monthly billing anymore. I was charged every third and fourth Thursday or at least that when I was supposed to be charged. I started to make payments on my own and got my balance down to just a little over XXXX the balance was XXXX to be exact. I was going to make a payment of {$300.00} around XXXX. They stated that my balance was XXXX. I asked XXXX which is the person that handle my acct. She stated that there were fees added from XXXX. I wanted more clarification on this matter and spoke to her supervisor. she stated that she would do more research and call me back. She didnt return my call. I called back 2 days later and was told that my balance was XXXX. I asked again why the balance was different and was argued with. I am trying to be an honest customer and pay my debt but I refuse to do so if a company wo n't clarify why the amt of the debt increased. I hope that this complaint is researched and I receive a follow up for it very soon. Thank you for your time.
About four weeks ago, I received a call from someone demanding payment of a debt of {$1000.00}. I happen to monitor my finances extremely closely, never fall behind on debt, and have had a credit score over 800 for quite some time.

Never before this call, and never since, have I received any communication whatsoever regarding this debt ( despite the caller having both my mailing address, phone number, and SSN ). The best he could muster was that it was from California ( I've lived in Texas for 10+ years ), and that it was many years old ... possibly from a XXXX or vendor within XXXX ( neither of which have I ever had debt with ). I was certain this was a scam, but continued to question the caller ( I never hung up or cursed ) trying to get information. I insisted that I needed some sort of evidence of a debt, and I needed it in writing. He refused, and eventually hung up himself ( they claim this call was recorded ).

I pretty much blew it off as a scam until all of a sudden my XXXX   alerts me to a 'Collection ' on my credit score. The amount matches that from the call. The report says that this comes from 'XXXX XXXX XXXX '. I have inquired with XXXX XXXX XXXX and have not received a response. Without a doubt ... this is not my debt. I have no idea where this came from, but XXXX XXXX XXXX is refusing to communicate with me at all, and has never provided a single bit of evidence regarding this debt.

I can not have my excellent credit pulled out from under me without any justification and I am hoping to get this cleared up ASAP.

According to XXXX   ...

Date Reported : XX/XX/XXXX & XX/XX/XXXX ( I received two notifications from XXXX ) Collection Agency : XXXX XXXX XXXX Moved to Collection : XX/XX/XXXX& XX/XX/XXXX Balance Amount : {$1000.00} Status : Collection Account Number : XXXX XXXX ( shows the same for both notifications ) Any help will be greatly appreciated.
We paid off our mortgage with Bank of America in 2013 and have yet to receive our home title. We have asked multiple times for our title and have been transferred to at least XXXX different people who are " working on our case, '' they have opened at least XXXX cases for us, but there has been no resolution and no response from anyone at Bank of America letting us know the status of our case. We try to contact them via the email and phone numbers they have given us, but they do not answer. We have had our attorney contact Bank of America and they basically denied any wrongdoing ; they claimed that this was due to XXXX XXXX XXXX and a missing assignment. It is not our fault if BOFA sold our loan to a third party or lost it. It has been over two years since we have paid off our loan and Nevada state law requires the owner to receive their title within 90 days of being paid off. We are worried we will never receive it.
I have been using a credit monitoring service for sometime now. When my husband and I were in the process of applying for a preapproval for a mortgage, our credit scores were a lot higher than the credit monitoring service showed. The XXXX credit monitoring service showed a score of XXXX but when the mortgage company pulled my credit my score was XXXX.
I have sent in a copy of my ID with the correct mailing address to XXXX, XXXX and Transunion and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.
Can someone please address the below ongoing issue? I still have n't received a response on the OVERDUE PAYMENTS that keep appearing on my statements. 




1. Why do I have an overdue payment amount of {$59.00} reflecting on my XXXX XXXX, 2015 and XXXX XXXX statements? I am still not clear on how I can have an overdue payment when payments have been coming from Keep Your Home California under Hardest Hit Program. These Overdue Payments have appeared monthly on my statements under Explanation of Amount Due since I have been on the Hardest Hit Program. Please advise why and what these are for?
Chase bank has aided and abetted XXXX to defraud my credit card account, which money was lender to me by Chase on a high interest rate, by refusing to investigate a fraudulent transaction on my Chase credit card. I have filed a dispute to Chase about the transaction and I spoke with XXXX XXXX XXXX whom we have explained what happened and shown evidence of the court docket and declaration of our lawyer as a proof that the transaction was fraudulent and the contract with XXXX was breached. I have requested Chase to get back my stolen money from the merchant, but Chase refused to protect me and took the merchant 's side, just because of their unlawful interest is to make more money by collecting the high interest rates over the {$3500.00} that was defrauded from me. Background : On XXXX XXXX XXXX I have paid XXXX the sum of {$3500.00} with my Chase Credit Card to bail my husband, XXXX court. The case was XXXX on XXXX XXXX, XXXX. After that my husband has contacted XXXX company to inform them that the charges have been dropped to a XXXX and ask them about the new condition of the bail. But due to this was the XXXX my husband has been arrested, XXXX took advantage of his lack of experience ( XXXX ) and refused to tell my husband the truth that he has been OR-d ( Own Recognizance ) from bail and also refused to inform him that XXXX XXXX XXXX XXXX has failed to post his bail bond to the court, as agreed, which is totally a violation of the contract and of my husband 's freedom by not informing my husband that his bail is no more required by the court. Due to this their fraudulent intention, we assumed that my husband is still on bail and for that reason he could not travel for business oversees or out of state. On XXXX XXXX, XXXX court date, my husband 's lawyer, XXXX XXXX requested the court to waive the bail on my husband, and that 's when we found out that my husband has not been on bail. The court had no information about XXXX posting any bond on behalf of my husband as XXXX have claimed. Due to this reasons XXXX breached and violated our contract with them and took the {$3500.00} without earning it. We have tried to contact them several times asking for a refund but they refused to cooperate and hanged the phone on us.