WillisBack/dataset-financial-user-claim huggingface dataset:
I 've lived in my home since XX/XX/XXXX. That 's 20 years. I raised my son here as a single mom, post-divorce, without assistance from his father. After remarrying, and refinancing, my husband and I have both suffered job loss in our XXXX. It has not been easy competing with a younger workforce. I went back to school to obtain a degree, but we 're still in a mess. We have been on the verge of foreclosure twice, now, and Ocwen is again making us another " offer, '' after having met the terms of paying a monthly amount, on time, for several months. They are ready to offer us a modification agreement. This modification involves paying them over $ 50K to keep living here, basically, when we only owe $ XXXX. The house has not seen much maintenance or improvement since we 've had so many hardships. Its only value is that it 's in a good school district ... and I do n't want to leave my home. There is no way I will have over $ 50K to give them as a balloon payment in XX/XX/XXXX, when I 'm XXXX years old. I can make the payments, now, and I can even agree to pay their attorneys for working with me, but when the original sale price in XX/XX/XXXX was $ XXXX, and they want that much on top of what I owe, I feel a grave injustice has been perpetrated. And I 'm not the only one being served this foul plate. People are turning up in droves all over social media to protest Ocwen 's predatory practices. When is someone who can do something about this going to get involved? In 15 years, do you realize how many grandmas and grandpas are going to be homeless? Maybe Ocwen wants a write-up with our group photo in the XXXX XXXX.
While looking over my credit report I noticed a collection account for American Financial. On XXXX XXXX, I sent certified mail to American Financial asking them to verify the debt. It has been over 30 days and I have not heard back. I would like this removed from my credit report.
XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making into my TRANSUNION, XXXX credit report. This is also a formal demand for you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX +  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you have any document that you believe authorizes you or your organization to make the aforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of It be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I 'm sure that you 'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. Thank you. Sincerely,
I am a XXXX. I have paperwork to prove this. As a result of my fulltime status, i get XXXX and XXXX from the VA veterans affairs due to my military service. I get regular scheduled payments to my PenFed Credit Union Bank Account. This morning my XXXX did not show up. I called the bank to ask why and they said it was not entirely sent and they gave me a statement that lied to me. The Va claims they sent it out and the bank must have redirected it somewhere else. 
I need assistance in this fraudulent situation that is ruining my life
Both of my parents received calls from phone number  XXXX  #  XXXX  for me fr om the county  court processor stating that i needed to call  XXXX  case number  XXXX . I contacted the number and spoke with  XXXX  ext.  XXXX . He stated that i owed  JC Penny monies  in the amount of  XXXX  dollars and if it went to court it would be in the amount of {$5200.00} but to avoid going to court they would settle for {$1000.00} if i paid today but i had to pay by the end of the day  Pacific Standard Time.  I did have an account with  JC Penny a ny years ago. I told them i would pay if i could verify their business. I could not verify their business with the BBB,    California department of Business oversight,  the Attorney General of California or even through  XXXX  with the address listed on the email i received.. When i contacted the business again and stated that i could not verify their business i was put on with a supervisor by the name of  XXXX   XXXX . He stated that their parent company name was   XXXX   XXXX   out of  XXXX   XXXX  California. I also could not find any information about this company.  XXXX  was getting very defensive once i was asking him about a business licence number or state licence number. He stated that California was an " open border state '' and that they did not need special licensing to operate in California. Then he proceeded to get rude and told me that i know i owed the money and just am refusing to pay. I told him that i had no issue paying once i could verify that  XXXX   XXXX   XXXX  or  XXXX   XXXX  was a legit business. Their address that they gave me was  XXXX   XXXX   XXXX   XXXX   XXXX  California  XXXX . That address is  a 27 sto ry building with multiple  suite and  they refused to give me their  suite number so i could verify with the property   management company. They did have my social security number and DOB which i concerning.
Experian Credit Report Agency Is reporting this XXXX XXXX XXXX on my account for XXXX. This account is dated XX/XX/XXXX. It should have been off my credit. And on Experian 's website it said the item was to be reported until XX/XX/XXXX. Yet they reported it XXXX XXXX as a negative report on my credit. And it is still on my credit report. If it is set to fall off my report why would they re-report it. And the fall off date of XX/XX/XXXX. Mysteriously disappeared off of Experians Website. This is illegal this item is way past the date it is supposed to come off. Every other credit bureau. Has removed this item except Experian. And I want them investigated this is illegal. And I want this item removed immediately.
Hello! 
My account on the XXXX XXXX was blocked on XX/XX/2019. 
I contacted the support of this company but they did not assist in unlocking the account and stopped responding. Please help me in solving the problem of unlocking my account
when making a online payment they require the routing number from either checking or savings, they will not allow any other method when making a payment by phone they charge {$10.00} per payment as a fee per payment. I refuse to give my routing number to anyone for obvious reasons and charging {$10.00} per payment via phone seems steep
Recently, I found a missed credit card payment on my credit report, despite the fact that in over 20 years I have never missed a credit card payment of any kind. The payment was for a Brooks Brothers store card managed by Citibank, and I missed it because I never received a bill. Citi claims that I elected to switch to paperless billing XX/XX/2015, despite the fact that I never use paperless billing for any card and the email address they had on file was outdated. I asked them for screenshots to show me where I selected paperless billing, but they have declined to provide those screenshots. 

This switch to paperless billing coincided with Brooks Brothers changing the bank that was managing their card. The first time I logged on to the new Citi website is when they claim I chose to switch to paperless billing. I presume what happened on that first logon is they fooled me into selecting paperless billing with small print, a confusing question and/or a box that was pre-checked to move to paperless that I did not notice. I say " fooled '' very purposefully. I never intended to stop receiving paper bills and instead send bills to an email address I never use, but Citi insists that I did and it is my fault, despite the fact that they will not show me proof of what I selected. Now my credit score is suffering from this situation. 

I have appealed this to Citi multiple times and have gotten nowhere. When I spoke to them about filing a complaint with the CFPB they discouraged me from doing so - their representative said the CFPB would visit their office, they would show the CFPB that I was the one who selected paperless billing, and they would dismiss the complaint. This strikes me as exactly the reason the CFPB was created in the first place - the bank confuses the customer, the customer complains, the bank says " it was your fault, deal with the consequences. '' On top of that, to tell me " do n't bother going to the CFPB, they wo n't help you '' seems borderline unethical.
Original agreement was with XXXX. I purchased a flight that should have been {$300.00}. The company stated the lowest base travel package for a one-way ticket from XXXX XXXX, TX to XXXX SC was {$640.00}. The amount financed through Military Credit Services , LLC was {$1200.00}. {$76.00} per pay period for 23 months. I paid 7 payments of {$87.00} and stopped paying XX/XX/XXXX. In XX/XX/XXXX received a call from collection agency and representative stated I needed to pay them a total of 5 payments of {$180.00} and a final payment of {$160.00} and the debt would be considered paid in full. 1st payment of {$180.00} was withdrawn from my bank account on XX/XX/XXXX with subsequent payments on the XXXX of every month. XX/XX/XXXX a full payment was withdrawn and I contacted first financial ( XXXX ) and spoke with a female and she stated where she seen I made the agreement and the payments and didnt understand why they took the complete payment again. She transferred me to XXXX at Military Credit Services and he stated he couldnt see what was going on so he contacted the original person that made the agreement and she stated now I have to pay the {$680.00} for the debt to be resolved after the other 6 payments already made and transferred me back to XXXX. I told him I wasnt going to pay this and he stated that he just needed a bank card so they wont close the account and put it in collections. I gave him my bank card and they were going to deduct the amount on XX/XX/XXXX. This gave me time to talk to my financial counselor at XXXX XXXX. I cancelled my bank card on XX/XX/XXXX and contacted CFPB XXXX XXXX referencing this account with Military Credit Services and filed this consumer complaint.
Equifax confirmation number XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I had disputed the accounts above with Equifax and also included a police report, Equifax has not removed the accounts above.
After reviewing my credit report XX/XX/2016 I noticed an unfamiliar collection account in the amount of XXXX. 
I called the listed CO to inquire. It was a co pay from a hospital visit that I was told would be taken care of ( I work at this hospital and was at work at the time of being seen ) Reluctantly I paid it and asked them why I did n't receive notice of this account .... They insisted they sent bills and notice but when i spoke to the hospital they had an old address .... 

XX/XX/2016 CO account updates to paid and score goes up a few points. 
XX/XX/2016 I re check my credit report and for unknown reason centeral finance reported again this month as XXXX balance thus re-aging the account. 

Several FCRA violation!! 
I have uploaded a picture showing the new reporting date
Good evening i am contacting CFPB in regards to a company who continues to send me letters regarding a debt that i already paid.    XXXX   XXXX   XXXX   t hrough the creditor  XXXX  has been sending me letters for years asking for a {$690.00} payment for a debt. They stopped in the past but started sending these letters again in  XXXX , particularly in  XXXX  of  XXXX . The latest letter i received from them was on   XXXX   XXXX   XXXX  .     I already paid this debt before to  XXXX  before it first went to collections but they did not acknowledge any of this. I have contacted them numerous times to mention this but it continues to fall on deaf ears. Can this please be sorted out and can i be helped with having this deleted from my credit report?     I should not have to suffer because of a debt that i myself paid already. I think what they did years ago in the past was after i paid it before it went to collections they sent it to another collection agency. This has greatly damaged my  credit score.      Not only that but I have attached pics  of one t ype of letter they normally send to me. Also if this can be taken care of can the collection agency please be asked if they remove it, that they can report it to all   XXXX   credit agencies  (   XXXX ,  XXXX , and  XXXX   ).  If this can be done it would be greatly appreciated.
On XX/XX/2018 at approximately XXXX XXXX, I received a phone call from a person whose name was XXXX XXXX from XXXX at the XXXX XXXX XXXX in regards to a legal matter that came across his desk with my social security number. He then said the last four digits of my social and said that I had fraudulent charges pending. That If I did not return his call and give a statement it would result in an immediate summon at my residence or work place and possible cash man of wages. They said for me or my representing Attorney to call them back at XXXX ext. XXXX. I called back the following day at XXXX and a man answered phone and began harassing me and trying to force me to give a statement. They said they were going to record me and use it in the state of law court. I asked them to send me a validation number and that I would not release any information before this is done. They kept trying to harass me and tell me that they were serious about the charges. I ended the call and called Ace Cash Express directly. I was informed that they had sent my collections to a different Agency for holding and that they were not the ones calling. I'd like to report this scamming agency that have the phone number XXXX, threatening to appear at my job and call my employers.
On  XXXX / XXXX / XXXX  Midwest Recovery Systems recorded a collection with all   XXXX   CRA 's related to what looks to be a payday loan in  XXXX . I contacted the agency and requested proof of the debt and was informed that they did not have any proof. I requested that it be removed and disputed with CRA 's for removal.
Date reported : XXXX/XXXX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XXXX/XXXX/XXXX Status UNPAID Balance Date XXXX/XXXX/XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxxx XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency XXXX/XXXX/XXXX
IN XX/XX/2018 I SWITCHED FROM THE WIRELESS CARRIER XXXX XXXX TO XXXX. XXXX PAID MY REMAINING DUES FOR MY PHONES ANMD LAST BILL. XXXX ISSUED A CARD WITH REMAINING PAYMENT OF {$1300.00} AND I PAID THE REST OUT OF POCKET. XXXX XXXX SAID THE ACCOUNT WAS PAID YET IT NOW SHOWS THAT IT IS IN COLLECTIONS. I HAVE DISPUTED WITH XXXX  AND THEY INFORMED ME THAT THE ACCOUNT WAS INDEED PAID AND THE COLLECTION WILL BE REMOVED.
Received a letter in the mail from Midland Credit Management claiming I owed {$5800.00}. The original creditor is listed as " XXXX XXXX XXXX XXXX '' despite the fact that I 've never had an account or any sort of contact with said bank. On top of that, the charge-off date is listed as XX/XX/XXXX even though I did n't have any sort of credit account until XX/XX/XXXX. The claims are completely bogus as far as I know and have no merit to them.
I have 2 issues against 2 lenders. 
First one is XXXX XXXX. I sent in more than was required For My Minimum Paynent and instructed them in writing as to how I wanted the excess funds to be applied. They repeatedly failed to follow my instructions. 

Second complaint is against Naviant. When my loan was transferred to Naviant, they set my payment amount to the rate I had been paying, which was significantly higher than what my minimum payment amount was with XXXX XXXX. We wanted to pay my loans off faster and have been able too, but would like to have the option of the lower amount. ( Original payment was around {$500.00} and new one is around {$900.00}. )
I have a XXXX credit card for 5 years. Always pay balance in full. Signed up for online billing never received bills. Got phone call stating that I was over 30 days late. Paid immediately, they reported me to credit bureaus for being 30 days late. They said I was late and charged me {$25.00}. Since I always paid my bill in full I did n't know I had a late charge of {$25.00}. Because I did n't pay that late charge they put it into the credit bureau as an over 30 day late. Contacted XXXX, they moved all the late charge and other late fees that incurred because the XXXX late charge did n't get paid but they did not remove the 30 days late on my credit report. My perfect credit is being tainted by a late payment of a late charge that incurred because I never got a bill. XXXX ended up removing all the charges because I never got the bill and my perfect credit history with them was evidence that something was wrong. To stop the instantly I have set up automatic payment of my XXXX charge so this never happens again. 
I am requesting that the 30 day late be removed immediately.
-bank account debited monthly for {$39.00} startingXX/XX/XXXX until XX/XX/XXXXcompany tacked on interest without letting me know starting XX/XX/XXXX -promised that payments were going towards student loans when I was still within my time of loan deferment -attempted to call " customer service '' representatives ; phone number no longer worked -Could never get in contact with " XXXX XXXX '' after my XXXXile had been " processed '' -FedLoan never mentioned my " consolidation '' in correspondence I have with them - {$1000.00} fee was supposed to be a " maintenance fee '' to keep my records with the student loans up to date -received text messages about amount being due and when the " payment '' had been recieved
I had been a client of First National bank of Omaha since the early XXXX. I just recently noticed they charged me an annual fee of XXXX which I never agreed to. I sent them an e-mail asking why and when had this started because when I applied for the card it had none. The response it happened in XXXX because of the card upgrade that took place. I do n't recall approving them to upgrade or even requested for an upgrade. The credit line with them had even reached up to XXXX but I requested to bring it down about 8 years ago. What is bad they have been charging me this fee and apply it to a XXXX percent interest rate, I only use the card only when promo of lower rates are offered. At this rate nobody would be able to pay them down. They agreed to reverse XXXX fee if I agreed to close my account. I have but I want to request all other fees in the past be reversed to include that high interest rate being charged on them. 

The question how much have I lost. I calculated an estimate of interest on the ann. fees being charged.
I opened up a SPG Preferred Guest American Express card on XXXX XXXX, XXXX after being enticed by the promotional offer of XXXX Starpoints after {$3000.00} in purchases. I quickly met the spending requirement on XXXX XXXX, XXXX, however my bonus points were never credited to my account. I was planning on booking a vacation using these points, however I was unable to because of the delay. 

I have called American Express multiple times and they have been unable to resolve my issue. I am frustrated because I see this as deceptive marketing combined with inept customer service.
The Problem Telephone Number is : XXXX call frequency for the week : XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX and XXXX ; XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX. The calls started about XXXX weeks ago and have continued with the kind of frequency described above. 

The recording starts by asking for XXXX XXXX and instructing her to press number XXXX. The recording then states that if the receiver is not XXXX XXXX, then press number XXXX. On several occasions, I have pressed number XXXX and explained to the woman answering that I have no knowledge of XXXX XXXX and requested that my telephone number not be called again. However, the calls are continuing as you see above. I have been on the do not call registry for a number of years.. Please help. ThanksXXXX XXXX XXXX
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX Equifax ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.