WillisBack/dataset-financial-user-claim huggingface dataset:
My husband I obtained an auto loan through this company and kept the account current. On or about XXXX XXXX, 2016 the vehicle was involved in a fire and was deemed a total loss. At this time the auto loan had a balance of {$7300.00} My primary insurance issued a payment on or about XXXX XXXX in the amount of {$3900.00}. Gap insurance issued a payment on or about XXXX XXXX in the amount of {$2900.00}. Afterwards, I had made several attempts to set up payment arrangements that were satisfactory to XXXX parties ; unfortunately they were unable to accommodate a payment plan without issuing a derogatory mark on my credit report. When I called to today, XXXX XXXX, 2016, to pay the full balance they informed me that they reported that my payments were XXXX days past due. I stated that it has only been XXXX days since they received a payment and I believe that there is 30 days to make a payment since the last payment, so if anything I would be XXXX days past due. I paid the balance in full in an effort to minimize the impact that this account will have on my credit report.
Nationstar Mortgage purchased additional flood insurance for me, when they should n't have, this created an escrow account with a negative balance. I filed a complaint ( with you ) several months ago, and that It thought was resolved. I have received a letter from them that it was, however, I log on today to pay my account and it still says I owe {$34.00} in my escrow account. I spent 43 minutes on the phone with them being transferred 4 times, to be told by each person. " I no longer have an escrow account but I do owe the negative balance '' .... the last person I spoke with.. XXXX badge # XXXX said it was to have the escrow account opened and closed. I am shocked!!!! I told her " they opened the account and closed the account, why do I have to pay for that? '' She could n't answer me, she was going to transfer me again. I am exhausted with the amount of time i have spent on the phone with this company. Please HELP.
In XXXX of 2017 I began attending XXXX XXXX XXXX University 's XXXX XXXX program. I was recommended by the school and my peers to pull out the max amount of loans, because I was attending a XXXX program and did not have time to get a job and support my means of living. Within a few weeks of attending school, family emergency 's came about, causing me to dropout of school. Since than I have had very little luck finding a job, let alone a good-paying and full-time career. I was under the impression when I was pulling out the student loans that it was to be handled via Dept of Education, just as my previous student loans were handled from my XXXX program at University XXXXXXXX XXXX. I contacted XXXX XXXX XXXX multiple times to try and settle this issue and devise a deferment plan until I got back on my feet financially and had a job, but they insisted I repay the entire amount or I would be sent to collections.
. I have tried to have the following item investigated by Experian. However, Experian, is NOT conducting a proper investigation. They keep reporting item belongs to me. XXXX CREDIT CARDAccount Ending : XXXX have received a letter which is attached from XXXX Bank which clearly states this was NOT my account. However, Experian refuses to conduct a proper investigation. 
Account nameXXXX/XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX identification XXXX XXXX .... 

Recent balance {$0.00} as of XX/XX/XXXXStatusClosed. {$240.00} written off. 

Date openedXXXX/XXXXDetailsNot mine or No knowledge of accountYou have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at
XXXX XXXX has harassed me by repeatedly emailing me ; XXXX XXXX was the name used in these harassing emails. He emailed almost on a daily basis. Emails were inappropriate and threatening while also suggesting he was " watching '' me. XXXX XXXX has charged me a ridiculous amount in fees. I had a credit card bill from them in the amount of {$700.00} and had paid $ XXXX-XXXX and within the next month my bill turned into {$650.00} dollars which was completely wrong and I refused to pay it so they started emailing me almost daily for over a year threatening to take legal action but their emails were worded so inappropriately it made me feel uncomfortable as if they were hacking into my email box and could see I was reading their emails without responding. They emailed me from in the year XX/XX/XXXX to partially XX/XX/XXXX. Emails were saved due to their threatening nature.
This is recurring followup complaint of my earlier complaint XXXX. Citi needs to investigate the actual disputed charges and not the legit charges. The response to earlier complaint does n't support investigation of disputed charges that are fraudulent. 

I have been talking the customer service giving them all the detail though there is no proper action to resolve this issue. This is the worst customer service support that I have ever experienced by any bank. Without looking at this issue Citi is sending me communication that does n't help. I am have been struggling on this issue for last 3 months with no proper resolution. 

Citi has not read my issue shared in my earlier compliant and responded appropriately.
A company name United One made three hard inquiry once a month on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.
Several times we were contacted by number ( XXXX ) XXXX and finally on XXXX XXXX 2017 my wife answered. They disclosed information about a debt owed. She informed them that payment arrangements were already made. I then contacted the collection agency also informed them that the call was being recorded from my end as well. XXXX took the call and insisted that I owed a debt. I informed her that payment arrangements were already made ; she stated that we had missed a payment and for me to prove that a payment was made. She stated that we owed {$2700.00} and asked how I would like to pay for it. We do not owe {$2700.00} ; we owe only {$2600.00}. I have never received a written notice from this company ; additionally XXXX failed to inform me that I had a right to dispute the debt, furthermore she indicated that they just received the account on XXXX XXXX 2017.  On my credit report the name of a collection agency is XXXX XXXX XXXX ; XXXX informed me that her companies name was XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. Even though we have payment arrangements made with XXXX this company still insists that we owe the money to them.
We have been trying to get a mortgage modification with CitiMortgage since XX/XX/XXXX. We filed bankruptcy because CitiMortgage was trying to foreclose on the house. In bankruptcy we have been paying the mortgage for the last 2 years. In XX/XX/XXXXwe had the taxes and homeowners insurance adjusted saving {$15000.00} a year to make the mortgage payment lower. CitiMortgage just keeps requesting the same documents over and over again. All documents are now sent in to CitiMortgage by our Attorney. Attached is a Letter from our Attorney and supporting documents.
EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY FRIENDS. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON THIS HAS BEEN GOING ONE FOR 38 DAYS NOW AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!
There is a collection from XXXX on my file for {$2200.00}. This bill is not reported correctly. There where XXXX people signed to this lease with all of SSN and any addiontal information they needed to give us this place to live yet under the terms Responsabilities it states Individual which clearly is inaccurate. that would mean we should be splitting this amount XXXX ways which should be {$560.00} individually. I 'm afraid this creditor is trying to report for payment from all XXXX individuals at the amount of {$2200.00}. If we all paid that the creditor could make up to {$9100.00} dollars. This is incorrect and something needs to be done. They wo n't respond to me
I believed I was charged an interest rate that was too high for my credit score, which was XXXX at the time. I was charged a rate of 4.39 %, which I find to be comparatively high for people with my credit score. The company is Honda Financial Services
I held this credit card for over five years. My payment history was good and as result the amount of credit extended to me was increased. My payment was due on or around XX/XX/XXXX. On the evening of XX/XX/XXXX, I made a payment in the amount of {$2000.00}. I immediately realized that I made a mistake but given the hour could not correct it. I called the next day and tried to stop the payment to no avail. The payment was processed and returned by my bank. On XX/XX/XXXX, I made a payment in the amount of {$2000.00}. This payment was processed. On XX/XX/XXXX, I was notified that the account would be closed and my interest rate increased to 26.24 %. The correspondence cited a number of dishonored payments and that simply is not true.

This seems extremely harsh considering I remedied the error, there was no impact to the lender, and my payment was timely. If I missed the payment entirely the impact would not be as severe, merely a late payment fee. The action taken by XXXX XXXX negated my effort to reduce this debt. This has negatively and unnecessary destroyed my credit.
Hello - My mortgage is financed through  PRMG ( Paramount Residential Mortgage Group ) . In early  XXXX  I received a letter stating that my loan was moved to a new service provider and that I would be receiving a new loan #. The letter went on to state that all payments beginning with the  XXXX / XXXX /  XXXX   statement should go to the new address using the new loan #, but that payments sent to the old address/using the old loan # would be honored for 60 days. I never received a letter with a new loan # so I sent the  XXXX  payment to the new address using the old loan # . PRMG cla ims they did not receive the  XXXX  payment and refuse to discuss this with my bank. Additionally, they did not mail the new loan #  s  until  XXXX / XXXX /  XXXX  . As of  XXXX / XXXX /  XXXX  , I still have not received my new loan #.
RE : PORTFOLIO RECOVERY / XXXX XXXX XXXX XXXX Acct : XXXX Dear Sir or Madam : I am continually being called on the telephone and have received letters concerning a debt that is not mine. I requested that CEASE and DESIST in their efforts to collect on the above referenced account. I am a victim of Identity theft, therefore the account is not mine. But Portfolio continues to call and harass me. I request that the CFPB demand that Portfolio CEASE and DESIST ALL collection activities. According to the practices and standards of the FTC FCRA and the FDPA. Portfolio has NOT verified this debt, which according to the FCRA is : You will see by the attached credit reports where there is NO XXXX XXXX XXXX  account. Portfolio claims to have documents proving this is my account, yet none of the documents had the following information that is required by FCRA.
Hi, I received a phone message from someone named " XXXX '' ( sp? ) supposedly from a company named " Premiere Credit XXXX XXXX XXXX '' calling on behalf of the " Indiana Department of Revenue. '' The phone message did not leave any details, but instructed me to call ( XXXX ) XXXX. They also gave me a reference number. 

I called back. First of all, it was VERY difficult to get through. LONG hold times, and kept wanting to have me leave a message, which made me wary. 

Anyway, when I got through, it was very confusing. It was hard to understand the person I was talking to ( perhaps calling from some foreign country? ), and they were not clear about why they were calling me with the exception of the fact that ( they said ) it had something to do with the " Indiana Department of Revenue. '' They asked me for my social security number, which put me on guard. But then, the woman I was speaking to HAD the last four digits of my social security number and asked me to confirm. She also had my middle initial. That 's when I became highly suspicious and ended the call. Sounded like identity theft to me, and I was n't going to talk to them any further. The woman I spoke to did not give me a clear idea of what she was calling about. 

I have no idea what business the " Indiana Department of Revenue '' ( which I highly doubt it was ) would have with me. I live in Minnesota, and have never worked in Indiana. The last time I was in Indiana was during the XX/XX/XXXX, on a car trip with my parents. 

My only conclusion is that this is some kind of identity theft operation. I hope you 're able to get to the bottom of it. I will also be contacting the actual Indiana Department of Revenue to report this scam, as well as the attorney generals of Indiana and Minnesota, and the Better Business Bureau.
In my  XXXX   XXXX    XXXX   Credit Report, I found   XXXX   XXXX   as creditor that says I opened on   XXXX   XXXX   XXXX   and was closed on   XXXX   XXXX   XXXX   with last reporting on   XXXX   XXXX   XXXX   with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in  my Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , OH  XXXX
On XXXX XXXX, XXXX I received an alert notice from XXXX XXXX XXXX, an Experian company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XXXX XXXX, XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with XXXX and XXXX. Experian referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( Experian 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
On XX/XX/2016 I paid a mortgage in full that was serviced by DiTech Financial LLC. I subsequently received a letter from them acknowledging the payoff and advising me that Georgia statute 44-14-3 requires a lender to file a satisfaction of debt document with the county in which the mortgage was recorded within 60 days of payment. Violation of this statute gives the borrower the right to demand payment of {$500.00} in writing from the lender. 
On XX/XX/2016, I received a satisfaction of debt document that was recorded in the WRONG county, thus the property records of the county where the property is located and the original mortgage instrument was filed was not completed as required by Georgia statutes within the 60 day period. By Georgia statute, the debt was still showing as being outstanding more than 60 days from date of payoff. 
I wrote the demand for payment letter as required by Georgia statutes on XX/XX/2016 and explained the error made by DiTech to them with the response that they believe they have complied with the law when they clearly have not.
on XX/XX/XXXX 2017 I faxed a dispute to XXXX XXXX regarding a XXXX XXXX  account that 's reporting to my XXXX and Equifax credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.
I have been working with Shellpoint for a loan modification or alternatives to save my home from foreclosure. Since XX/XX/XXXX I have been providing all documents requested. On XX/XX/XXXX when calling in for an update, I was informed additional documents were needed. Those documents were faxed in and received by Shellpoint on XX/XX/XXXX per their confirmation but have not been reviewed as of yet because they are now stating that as of XX/XX/XXXX the review has been closed out. I do not understand how they can already close it out if the documents were sent less than 5 days later. In addition, I was never informed that there was any deadline for the documents. I am now facing a foreclosure sale on XX/XX/XXXX and out of options. How is this fair and ethical? If my information was being reviewed for a loan modification and there is a foreclosure sale the lender should postpone the sale while in this review process, however Shellpoint failed to do so as well. All my rights as a homeowner are being violated and I need your help.
I have a delinquent account. I have made previous arrangements to pay the balance. The first payment cleared in XXXX, 2017. I set up subsequent auto payments in the amount of XXXX for 5 months. I have the confirmations. They continue to call and continue to give me wrong information for transactions I did not authorize. They are calling to the point where I am being harassed. They have the payments set up, I do not understand why they continue to call or why they have the information wrong when they call me.
I am submitting another complaint to show the continual acts fraud that JP MORGAN Chase continues to committ. I never REFINANCED my home 8 months after purchasing the home. XXXX XXXX requested and discharged the original mortgage from the now Defunct XXXX XXXX in which XXXX XXXX out of XXXX GA plead guilty and went to federal prison for the fraudulent documents. XXXX XXXX paid off the original loan and I never entered into any other mortggage agreements with any one else. My signature has been forged on the 2008 refinance documents. The modification that Chase claims I had has my signture forged and now they submit documents on CFPB website response with a notary who claims that he sat before and witnessed my signature. I would like to know were this took place because I never did a refinance on my home. To prove this continual acts of fraud I have attached the notary XXXX XXXX XXXX signature on other mortgage documents that are not the same. He will also get added to the new law suit that will be filed in a couple of weeks. The attorney general and government should intervene in my case because I ca n't believe this fraud is continuing after the banks have entered into a settlement agreement due to this mortgage fraud. I am also willing to sit down with a forgery expert to prove these signatures on these loan documents are not mine,
For years I have had a student loan on my credit report from when I started school at XXXX in Fall of XX/XX/XXXX. I only took out federal loans to pay for tuition. However, the particular loan in question is a private one given by XXXX and is not mine. I never payed it any mind because I assumed it was actually my outstanding balance on my student billing account I have with them, which I've been paying off in installments. 
Now, years later, in XX/XX/XXXX, payments for that student loan suddenly stopped, which showed on my credit report. I received no other notice ( since it isn't actually mine ). I looked at it more closely and saw that it isn't my outstanding account at all. The payment amounts and balances don't even match : I owe {$1200.00} as of now ; I've been making payments of {$50.00} every month ; the student loan has a balance of {$3600.00} as of now ; it states that previously payments of {$40.00} were being made every month. No payments have been made since XX/XX/XXXX. I asked XXXX student account services about it. They said they don't report my outstanding balance to credit bureaus. That means the word " XXXX '' shouldn't even be on my credit report, making the amount I actually owe ( {$1200.00} ) irrelevant. I asked them if there are any loans I owe them. They are unaware of none, apparently. 
Naturally, I file a dispute with both XXXX  and TransUnion, as they are the ones reporting the account. XXXX  swiftly determines the account does not belong to me. TransUnion, however, somehow concludes that it is mine, with no explanation. I file another dispute with TransUnion, showing some evidence of my emails with XXXX student accounts services, pictures of my account statements ( which don't show me ever taking out a loan with XXXX, only federal loans ), as well as evidence that XXXX found it to not be mine. Now, TransUnion has yet again mysteriously determined that the account is mine. I don't know what account this is, so I couldn't even make the payments if I wanted to. Needless to say, this is very frustrating. I suspect that TransUnion is not doing its job and actually isn't investigating at all.
After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX credit file and find that my personal information was breached.
I HAVE HAD FMC SINCE XXXX -- - BOUGHT XXXX TRUCKS -- - AT THE END OF MY LAST LOAN ON MY XXXX - WAS PAYING IN ADVANCE - AND MORE $ $ PER MONTH TO HELP MY CREDIT FOR TWO YEARS SOLID -- I HAVE XXXX ID THEFT PROTECTION -THE FIRST THING I NOTICE WAS A LATE PAYMENT FOR XX/XX/XXXX -- I WAS PAYING OVER THE PHONE @ THAT TIME -- THE PHONE SYSTEM WAS EXPERIENCING TECH PROBLEMS -- SO I ALWAYS CALL THEM TO KEEP UP DATE -- AND I DID NOT TRUST THE PHONE PAYMENT LINE ANY MORE - BECAUSE I TRIED TO USE AGAIN -- TECH PROBLEMS AGAIN -- -SO WENT ON LINE -- -- KEPT MAKING PAYMENTS APPROX XXXX -- -OR MORE -- -WELL ON LINE SAYS IM LATE -- CALLED -- -ABOUT AFTER THE 5TH CALL AN AGENT SAID " O I SEE THEY WANT A FINAL PAY OFF FOR {$990.00} APPROX -- -- -SO HE WAS TO FAX ME A AGREEMENT TO CONTINUE THE REGULAR PAYMENTS AMOUNTS -- @ XXXX A PRIVET MAIL SERVICE -- -IT WAS BEFORE THANKSGIVING -- I WAITED -- WAITED -- NEVER FAX TO ME THE AGREEMENT -- SO CALLED AGAIN -- -THEN OVER A WEEK WENT BUY BECAUSE OF THE HOLIDAYS -- -- CALLED AND FOUND OUT THEY SENT IT IN XXXX -- I GOT BUT IT WAS TO LATE - THE DOC WAS TIME DATED!! -- THEN I LOOK ON MY CREDIT REPORT XX/XX/XXXX SHOWS A LEGAL ACTION -- THEN A LETTER TO FOLLOW TO REPO MY XXXX FOR {$390.00}! -- -- OF COURSE I PAID IT OFF -- BUT MY CREDIT WAS WRECK -- - AND MY SON WAS GETTING MARRIED AND WAS GOING TO GIVE HIM A CREDIT CARD FOR HIS HONEY MOON AND WAS TURNED DOWN -- -FOR THE FIRST TIME!! THEY DID THIS ON PURPOSE - BECAUSE THEY FIGURED A NEW TRUCK I WAS TO BUY AND IF THEY TRASH ME AT THE END I WOULD GET A MUCH HIGHER % RATE FROM FMC! -- -- THEY NEVER DO SHOW THE LOAN WAS PAID IN FULL ON MY CREDIT REPORT -- -ONLY THE CHARGE OFF!!!!