WillisBack/dataset-financial-user-claim huggingface dataset:
Knew this was a scam and they were spoofing ID on caller ID. I asked caller do not call and informed that this request does not apply to debt collectors. 
The scam is to inform its callers that they are Wells Fargo and that their mortgage payment is late and request an over the phone payment transaction. I did not do it but Im sure thousands of others called by them do! I get called everyday and want these people in prison. Please help!
I disputed a fraudulent charge on my Equifax report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After Equifax ruled against me, XXXX then followed Equifax 's lead I then sought to send Equifax information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to Equifax to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XXXX XXXX First reported in XXXX XXXX for collections
I have had an AMEX card since 1980. I have never been late on payments before this last month whenI dismiss a {$100.00}. payment. I am now receiving 10 to 14 calls each day for the last 5 days ( Thur. thru Mon. - even on Sun. ) This amount of calls for an old customer with good history and for this amount of money is RIDICULOUS! It has truly upset myself and my wife who wants to now drop the card entirely, to which I agree, but I feel this type of undue harassment should be dealt with by the government.
I have an interest only loan with Bank of America that is going to re-ammoritize to a XXXX year loan. My house was hit by Hurricane XXXX and has lost a significant amount of value in addition to the housing market taking a fall. My loan is not HARP eligible which would have allowed me to refinance without an appraisal thus getting out of the high risk loan I am in now. When calling Bank of America they told me they do not have an in house HARP loan that would allow me to refinance or adjust my loan for a fee. My only options from what they said is to modify the loan. In order to do so I will go on a " trial '' payment for XXXX months. For those XXXX months they report my mortgage as late. I have worked my entire life to maintain impeccable credit. This will be devastating to my credit score. My only options beyond that are to try to sell it as a short sale or foreclose. I prefer to work within the system, I understand it is not their fault my home lost value. I just want to be able to refinance for a lower rate to make the payment more affordable. They are not willing to help. I am hoping for some advice. I have an NMLS number and have taken continuing ed. In one of the statements from the CFPB it encourages banks to refinance high risk loans with limited documentation. How do I get them to do that without affecting my credit negatively? Thank you for your time.
After reviewing my credit report, I found that my account had a medical obligation from XXXX  XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX  XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that Experian, XXXX and XXXX remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.
Experian credit agencies have multiple misleading and inaccurate addresses on my credit report there fore violates FCRA.
I notified NAVIENT and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to NAVIENT and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after NAVIENT was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX.  In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX NAVIENT and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and XXXX continued calling. XXXX XXXX XXXX made several calls to my cell phone in violation of the no contact request. The NAVIENT
I as well as the Original Creditor sent documentation as proof the account has been closed -Settled in Full. Equifax still refuses to report the account as a Closed collection on my credit report. The account is currently showing as an Open Collections.I as well as the creditor have reached out to Equifax to update their Database accordingly. Multiple disputes have been initiated with no resolution. I am not asking the account be removed. I am only asking that my credit file report it as a closed collections account, instead of an open collections Account as per the Document from the Original Creditor. Please see attached document as proof of account status.
On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through XXXX, I immediately disputed that fraudulent inquiry with XXXX and a few days later with XXXX XXXX XXXX as well. I believe that on the XXXX or XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!
Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.
XXXX XXXX XXXX I requested a payoff and was told that there higher fee 's paying off a loan. It seems the loan went up if it was to be paid off early. the interest is 5.750 % The servicing of the it seems no true owner of the loan.
Purchase amount of XXXX usd. Interest defered for 6 months. The company backcharged 6 months of added interest at a rate of 29.90 % violating the terms and conditions agreed to by the consumer Consumer has paid over {$700.00} usd ytd on credit line of {$1500.00} and current balance shows as {$1200.00} usd. 
Consumer has tried to ask why this ballance is so high and company reverts back to interest defered promo and states lump sum of interest Company is reporting to credit bureaus and is a foreign entity operating off shore.
My bank sent me a XXXX Cancellation of debt. They forgave my debt but still wanted me to make payments on that account. My property was not foreclosed or sold. I sent letters and have made many calls but I have not received a response. The bank then sold or transferred my loan to another bank. I have not made payment on this loan since XXXX 2014 and now they want to foreclose on my property. I just do n't see it fair since they took a tax break and I had to report the XXXX on my taxes.
I contacted Capitol One and my other creditors on XX/XX/XXXX concerning my credit card accounts. I had just been released from the hospital after having XXXX XXXX and was home recuperating under medical supervision. I became aware I was late making my payment due to being in the hospital. I was directed to the Special Assistance department which was supposed to help me with my hardship. I fully explained that I had been hospitalized and continued to be under doctors care and expected to be out of work for an extended period of time due to being diagnosed with XXXX. I wanted to make sure I stayed in good standing with Capitol One. They suggested that I make a minimum payment and asked when I could do that. They were surprised when I said I could make those payments right then and they accepted payments on both accounts. They enrolled me in their special assistance program at that time. They discussed the terms of the program and the penalties and sanction if I failed to meet my obligation of the program. I promised at that time to bring my account current and that I would probably pay the account in full once my XXXX and insurance benefits became available to me. I contacted Capitol One multiple times since that conversation. I kept them informed about my anticipated payments and I obtained my payoff amounts from them. On XX/XX/XXXX I contacted XXXX and paid {$1600.00} on XXXX account and {$590.00} on the other account. I had actually overpaid both accounts and had a credit on my accounts for a short time. 
At no time during any of my conversations or in any correspondence from Capitol One did they disclose to me that despite enrolling in their hardship program that they intended to report my accounts as late to the credit reporting agencies. I feel they were grossly negligent and taking advantage of me while I was in a XXXX from my medical condition, the duress and stress of being diagnosed with XXXX. I believe I was less than XXXX days late on both my accounts when I contacted them the first time. By participating in their program my accounts went 30 days past due on XXXX consecutive months. Once you become XXXX days late on an account it is reported to the credit reporting agencies. Had they fully disclosed the implications of participating in their program I could have chosen to make other arrangements. I was lulled into a false sense of security by their negligent omission and now I have XXXX late payments on my credit report. I have repeatedly contacted Capitol One, and been denied and help or closure. I also had a prior complaint and talked to various representatives concerning this issue. The last representative said their decision was based on recorded calls from my original phone call to the company. I asked for them to supply me with a written transcript of that call and they said there was no written transcript. I asked to listen to the recorded conversation and I was told that is not possible. I am convinced that participating in their program caused me harm due to their negligent omission of all the pertinent facts and it only served to protect Capitol Ones intrests.
Hello, I have been checking my credit reports because I plan on purchasing a home and I have noticed that there's a XXXX California XXXX charge-off account listed on my credit report for {$380.00}. I have no knowledge of this account, nor have I ever lived at the address associated with the account. I have never, at this point in time, had a utility bill in my name. Per the FCRA laws, I have the right to dispute inaccurate information, and as I have tried to dispute this, nothing has yet been done. I would like this to be removed from my credit report immediately as it is not rightfully my account and no parties can validate it being so. 

Thank you, XXXX XXXX
I have contacted Capital One Auto Finance, several times since XX/XX/XXXX, as well as contacting the credit agencies to inform them that there are duplicate credit inquiries on my credit report. I have asked both to remove the duplicate entry. It was reported on my credit report as of XX/XX/XXXX. All I am asking is for the duplication to be removed ; however, the lending agency has ignored my previous requests.
ON XXXX/XXXX/XXXX GATEWAY ONE LENDING APPROVED A AUTO LOAN FOR {$28000.00}. THE AUTO WAS INVOLVED IN AN ACCIDENT WHERE IT WAS PAID OFF BY XXXX XXXX AND US WARRANTY ( GAP INSURANCE ). 
GATEWAY ONE LENDING HAS REPORTED THE ACCOUNT AS A CHARGE OFF ACCOUNT. IN THE CREDIT REPORT IN THE REMARKS SECTION IT REPORTED " UNPAID BALANCE CHARGED OFF '' FOR {$5900.00}. I CONTACTED THEM AND THEY SAID THAT BECAUSE THE US WARRANTY PAID LATE THAT THEY REPORTED THE CAR LOAN AS A CHARGED OFF. I STATED TO THEM THAT I MADE MY PAYMENTS UNTIL THE CAR WAS PAID OFF. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED BUT NEITHER GATEWAY ONE LENDING, US WARRANTY, OR XXXX HAVE A CORRECT ANSWER OR SOLUTION TO THIS PROBLEM. 
THE LAST PERSON THAT I TRIED TO CORRECT THIS PROBLEM WITH WAS A : XXXX XXXX, XXXX. THIS REPORTING IS AFFECTING MY CREDIT SCORE AND I HAVE ALREADY LOST XXXX JOBS DUE TO THIS INFORMATION. THIS IS NOT FAIR.
Every time I try to register on XXXX I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on XXXX XXXX XXXX XXXX  and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite RadioXXXX/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks
I recently moved my existing student loan from myFedLoan.org to another company to get a better rate. Up until that time, I admittedly had not been paying proper attention to statements, which -due to poor design- are frustrating/confusing. In any case, based on the most recent statement, I completely paid off the debt managed through myFedLoan on XX/XX/XXXX and received a cryptic ( only one of two accounts was noted ) notice to that effect onXX/XX/XXXX. <P/>I later determined, based on statements provided by myFedLoan, that I 'd overpaid and was told by the new lender, that myFedLoan would send the difference on to my new account holder, where it would be credited to my new account. <P/>When that was n't done, I went to myFedLoan website and instead of an account with a credit or a closed account, it showed that I owed an additional $ 2k+! On XX/XX/XXXX, I called myFedLoan and talked to support and then a supervisor and was told that they 'd review my account within 10-14 days and I 've had no contact since. <P/>However, since then, I 've been looking at statements and payment records and am appalled at their record keeping and their management of my account. Statements do n't match payment records and do n't provide basic information - how the last payment was applied, for instance. <P/>In short, there are two issues that I believe need higher review : first, my account and it 's management and second, their overall management and record keeping practices.
I contacted Experian on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX ...., XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX- XXXX .... Experian has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to XXXX or any sort of automated verification. Again Experian failed to comply with FCRA section 611 ( a ) ( 1 ) (  A ) and is continuing to further damage my ability to secure credit. Experian has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.
I requested XXXX to conduct an investigation into my Campus Partners account that has been open since XX/XX/XXXX. The account was supposed to be consolidated with the rest of my student loans but was erroneously left out. The challenge is that account has been erroneously reported as a collection account and past due since XX/XX/XXXX. The loan has since been paid in full.
I informed XXXX of the same. Not only did the investigation exceed 30 days but they told me on numerous occasions that the first delinquency was XX/XX/XXXX which is not true and they could not delete the trade line. When I asked for a full payment history since the opening of the account, they would not comply which, in my mind, should be been verified during the investigation.
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors University XXXX, XXXX, and XXXX. and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
This XXXX XXXX XXXX account XXXX first began to go delinquent in or before XX/XX/2011 and is now well past the 7 year reporting rule defined by the Fair Debt Collection Practices Act. I previously disputed this with Transunion, however Transunion continues to report it on my credit report.
I am a widow who has owned her home since XXXX and made mortgage payments faithfully for over 20 years. Due to a job layoff after 38 years in my field and the death of my husband I went through a tremendous hardship. As things were falling apart financially for me I reached out to my mortgage lender Wells Fargo in hopes that they would help me get back on my feet with a modification or restructuring of my loan. However, I was shocked when they told me they would work with me but I needed to give them an ADVANCE FEE OF {$7000.00} in order to get Wells Fargo to review for assistance. I have since found out that this is very unusual and not the normal protocol. I could not come up with these funds and fell further behind and at that time Wells Fargo finally allowed me to be reviewed for assistance programs. However, this was not very productive, the communication was terrible, there was no assigned manager to my account and I had to send the same papers over and over to Wells Fargo yet they still seemed to misplace them. Now I am facing a foreclosure sale date later this month. I ca n't believe this is happening to me. 
These issues began in XXXX when my husband passed away from a XXXX XXXX. About a year later I was laid off from my position as an XXXX after 38 years in that field. Everything happened all at once and I was overwhelmed and I could not keep up with my mortgage payment. I reached out to the agents at Wells Fargo in an attempt to get some relief. However, instead of offering an option that would actually help me save my home ( especially considering that there was only 5 years left on the term ) I was told I MUST provide a large lump sum upfront fee ( {$7000.00} ) in order to even be CONSIDERED for a modification. I have been told that this is typically not a condition of a modification review so I am not sure what program the agents at Wells Fargo were looking at and what options were considered. I continued to follow up with Wells Fargo and as mentioned before, now that I was further behind I was told that I could apply for a loan modification. I prepared the documents and submitted them to Wells Fargo, but the communication was bad and it was hard to move the process forward. I did not have a single dedicated contact assigned to help and it seemed that no matter how many times I provided the paperwork it was never enough Now I have a sale date coming up this month and I am besides myself over this situation. It is not right to foreclose on a widow who has paid on her mortgage for over 20 years. I am back to work and making a decent living and I feel It is not right to deny access to government programs that could have fixed this issue two years ago because Wells Fargo wanted to ignore guidelines and demand a {$7000.00} down payment out of me. It is not right to take {$30.00} billion dollars from the taxpayers as part of a bailout and then refuse to work with the homeowners who need this help.
I was scammed by a company that was posing as a financial Institution. This company in which I found later that they was not actually XXXX XXXX. This company was able to get into Chase 's system and I was not notified as data breach ( 1 ) the so called financial institution was able to go into my account and make it seems like there was reversals to make a credit a couple of times on XX/XX/2018. I walked into Chase Bank in XXXX XXXX on XXXX and XXXX and told them what was happening and sat down with a banker and as I was sitting with him the scammers called and I put it on loud speaker so the banker can here. The Banker did nothing nor did he called the fraud department or the authorities ( 2 ) leaving my account vulnerable. Went to Nevada and spoke with another banker at Chase on XXXX  and XXXX, she went through my account and said it will be a lot of work and told me that I will have to make a appointment ( 3 ) Went to another bank where the banker opened me another account but did not close the other. Chase finally restricted my account and will close both in 10 days leaving me still vulnerable. As a consumer I was not protected by this financial Institution ( Chase ) They had a data breach and did not let there consumers know ( against law ) and I am being punished by their mishap They left me out there to be hacked, my account and personal information. After receiving threatening text and phone calls