WillisBack/dataset-financial-user-claim huggingface dataset:
on XXXX/XXXX/XXXX after checking my credit report I noticed a derogatory remark on my credit report from a collection agency called XXXX XXXX who bought a debt from " XXXX ''. After contacting this company via mail and phone to validate this debt which is not mine the companies account was removed from my credit report. This is was not the first time I 've had to request validation from XXXX or their creditors. I once had 3 different accounts at different addresses on my credit report showing seriously delinquent all which were removed due to them not being mine. Today XXXX/XXXX/XXXX I wake up and there is a new account on my report from " XXXX XXXX XXXX XXXX '' original creditors " XXXX '' for {$770.00}. I called XXXX and was told they do not handle these disputes and it seems to be fraud. I was advised to call the Credit bureau. I then called XXXX and was advised that " its a wash and rinse process and only thing they can do is keep disputing the accounts if collection agencies continue to sell, and also to contact the CFPB, FTC, and State attorney general office. so here we are!!
I made a bill pay at  XXXX  in  XXXX  using "   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  with the NEXT DAY delivery  1st  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00}  2nd  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00} None of the payments were delivered. I paid for the next day delivery, should have be delivered by  XXXX / XXXX / XXXX  - almost {$4000.00} and my   XXXX   XXXX   XXXX   were not paid at all!!!! I have called  XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they keep saying they have problems with their system and they do n't know how long it takes to have the money received by  XXXX . I consider this as very unreliable service and im requesting investigation or have the payments posted asap. My payments are due and {$4000.00} is a very large sum for  XXXX  to keep for weeks or month s. My credit score  is gon na be affected because my payments are late now.
I had previously submitted a complaint against USAA with regards to my auto loan. I was promised a lower rate over than what I am being charged. In addition, the term should have been XXXX months with XXXX payments rather than XXXX months. As a result of that complaint, USAA offered to essentially refinance the loan with the correct terms since they could not fix the original loan. However, I paid for a gap insurance product on the current loan which is tied to the loan, not the vehicle ... so refinancing would have voided the gap insurance and since the new loan would have been a refinance rather than a purchase, I would not have been eligible for repurchasing the gap insurance. The USAA person who was responding to my complaint was supposed to look into this but she stopped responding and none of the issues were ever addressed. I am still paying the higher interest and the amortization period is still wrong.
This started when I was a minor XXXX years old, I 'm now XXXX. XXXX XXXX which is now called XXXX, they indicated I 'm past due in an amount of over {$200.00} which I know I was n't. I was reported to Cheqsystems over 7 years ago and I have no idea how to get this removed so I can open an account. I 've done everything on my side to clear it. What now???
In XX/XX/XXXX/XX/XX/2018, I was notified that my loan was transferred from XXXX XXXX XXXX  to Fay Servicing. I was told all conditions, payments etc would remain the same. After paying 3 months at my regular payment amount of {$1700.00} during the transition period, the new provider suddenly goes up {$120.00}, now requiring a new monthly payment of {$1800.00}. 

This was NEVER discussed or disclosed during the loan acquisition process. When I called Fay to discuss, they said my escrow account was all of sudden " short ''. They then said it was outlined in an escrow analysis which I NEVER received. When I asked to please have it sent to me, I again NEVER received it. I tried again to call for additional information and the agents were no helpful AT ALL. 

Now to maintain my excellent payment history and credit, I am FORCE to pay an additional {$120.00} per month, that was not disclosed or explained properly. I feel whatever escrow shortage there may be should be worked with the previous lender that bought the loan from which was XXXX XXXX XXXX. They simply sent me a new bill with a new amount.
I am a victim of identity theft. My personal information was stolen and used to open a credit account with Bank of America. I never received any billing statements or was aware of this accounts existence until I checked my credit report. I immediately notified Bank of America the account was not mine and I am a victim of identity theft. I also notified the police and filed an identity theft report and reported the theft. I filed with the Federal Trade Commission my ID Theft and when Bank of America sent my documents, the billing address did n't even match mine nor the name of the account. Bank of America continuously calls and tries to collect on this credit account that is n't mine and is a result of ID theft. They also are reporting this fraudulent account that they are aware of that is fraudulent to the credit bureaus and has verified it when I disputed it.
A mortgage in my name is being serviced by Fay Servicing, an organization which, according to your website, has already overstepped the law as it relates to moving forward with foreclosure proceedings while borrowers are actively seeking help to save their homes. 

Arrangements were made during the summer of 2017 to list the affected home in a short sale. Terms of the short sale were drafted and agreed upon by all parties, and the home was listed and shown to prospective buyers but ultimately was not sold before the expiration of the short sale agreement. According to Fay Servicing, the next step was to reconvene and draft a new agreement listing the home at a lower cost to attract more potential buyers. Multiple representatives of Fay Servicing stated in telephone conversations that they did not want to foreclose upon the property and that they would continue in good faith to find a solution. 

Regardless of these declarations of good faith, on XXXX XXXX, 2017 I received an email from my credit monitoring service that my XXXX credit report had been updated to include that my account with Fay had been marked as foreclosed. Indeed, when I went to view the report, it had been marked " Foreclosure Process Initiated ''. 
A representative of Fay Servicing responded to inquiries about this change to my credit report by saying that it was part of their normal process and nothing for me to worry about. 

Additionally, to date I have not been served with any papers indicating an imminent foreclosure which, as I understand it, are required by law to be provided to the property owner with 35 days notice before any proceedings can be moved forward. 

I would like to point out that your organization fined Fay Servicing, in the amount of {$1.00} XXXX on XXXX XXXX, 2017, for doing exactly what they are apparently continuing to do as of three months after their punishment and most likely up to the present time. Fay Servicing CEO XXXX XXXX was quoted as saying that your consent order included asking Fay Servicing to " comply with mortgage servicing rules '', which they clearly have no intention of doing.
I set up automatic payments with the servicing company twice, but when the quarterly payments were supposed to  be made, the company put my account past due instead of making the automatic payments. I made a complaint about this and received an acknowledgment email of my complaint on MondayXX/XX/XXXXThis email stated that I would receive a response within 48 hours. I did not receive a response until XXXX XXXX on FridayXX/XX/XXXX. I received an email that said they could not call me but I could call customer service. Their customer service line is already closed and it 's Friday night. Their response was not accurate. It said that I could not set up automatic payments when my account is overdue, but I tried to set up automatic payments with them twice when my account was not overdue and they are not taking the automatic payments. I requested that they call me and they have not. My account should not be overdue because I set up automatic payments, and this is the second time in a row that the company has done this.
BYL Collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature.
I have lived in a house for 12 years making XXXX plus a month payments. became XXXX and XXXX XXXX and could XXXX XXXX XXXX due to DOT rules. 
The company worked me into another area where there was no overtime and very less pay. I soon got behind on my FHA loan with CITY Mortgage loan # XXXX I filed for a loan modification that would allow me to do a quick sale on the house. They wanted me to refinance me at a lower rate if I signed another 30 loan, after I have been paying for 12 years into my previous 30 year note. 
They have assigned me 3 different agents since XXXX of 2018. The current specialist is the worst. XXXX XXXX XXXX He is impossible to get ahold of and never returns calls or emails. When I did get ahold of he he asked if he could call me back he was with another customer. 
Over the 3 agents I constantly submitted documents and with each new agent the process started all over again. 
I hired a real estate agent " XXXX XXXX XXXX '' and she put the house up for sale and has an offer on the house. For 2 weeks and they hire an attorney to foreclose on my house while they are working with me to sell it! This is a case of " DUAL TRACKING ) and it is Illegal.
My personal information was leaked by Equifax, and I now have to lock everything down and for the rest of my life my SS # and all my financial information will be in unknown hands.
My ID was stolen inXX/XX/XXXX. Thought the years this person who lives in Georgia has used my name, social security number, and date of birth to change data on my three credit reporting companies and open fraudulent bank accounts to get credit cards. In XX/XX/XXXX I placed freeze codes with XXXX, XXXX, and Equifax.
In XX/XX/XXXX received a notice from Equifax that someone had changes my address to XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX  and changes the phone number to XXXX. Also he had opened an account with XXXX XXXX XXXX phone XXXX. I reported this to Equifax, XXXX XXXX, the XXXX XXXX  Police Department report # XXXX. On XX/XX/XXXX found that he had changed my address with XXXX to the Georgia address. It took me until XX/XX/XXXX to get all of data corrected. onXX/XX/XXXX he changes my address with XXXX to XXXX XXXX XXXX XXXX, XXXX, GA, XXXX phone XXXX. new police report XXXX. ON XX/XX/XXXX he changed address on Equifax to XXXX XXXX XXXX, XXXX, GA, XXXX. FTC FILE XXXX. Still trying to get Equifax to fix my credit reports to no avail.
I have had dealings with XXXX XXXX, I will admit this but not once, in any written letter or e-mail sent to me, have I ever received a bill saying I owed them money. What is this debt for? With the data breach, is this debt even mine? And why have I received no letter in the mail from the collector about this debt before they are allowed to put a negative mark on my credit report. I disputed this once with XXXX already and they put it back up again and I still have no letter in the mail. I am definitely disputing this debt.
Dear CFPB, I am writing this complaint based on the information in my credit files reported by three credit reporting agencies. I have written to these agencies disputing credibility of the debts alleged in my files. However, the credit reporting agency have ignored my request for the removal of this files stating that they have verified the authenticity of the debts. I am frustrated at this point because I dont have any other cause of action and I hope you can help me here. In XX/XX/XXXX I rented two bedroom apartment from XXXX XXXX XXXX XXXX apartment now re-branded as XXXX XXXX XXXX XXXX on six months contracts. I therefore, Paid 2month rents in advance starting from XX/XX/XXXXl through XX/XX/XXXX. In my original contract, rent is due on the XXXX through the XXXX of every months. Having paid the two months rents in advance I have not put furniture in the room. I bought several items including windows curtains, refinishing the bathroom at my expenses. On XX/XX/XXXX upon my return from XXXX, Georgia, my apartment was rented to another tenant, and the lock was changed. I therefore went to the office for clarification and answered, it was then I was told that they inspected the apartment because there was no furniture in the apartment they presumed that I have abandoned the apartment. I cant stomach the situation, it was then they told me that they have another room for me. I disagreement with that arrangement and told them that I will move on to look for another apartment somewhere, it was then they threaten to report it to credit reporting agencies. Because I was out of the country I couldnt pursued legal action, and having repeated written to credit agencies to remove the files and they ignored I have no further remedy and I hope you can help me here. XXXX XXXX XXXX seem to have purchase the debt without been told the root of this deceptive and fraudulent debt reporting. I dont understand what constitute a {$3000.00} and {$1000.00} alleged debt reported in my credit files. <P/>Please I need it removed immediately. Thanks
I am having issues with PayPal putting a hold on the payments that I make on the PayPal Extras Mastercard everytime I pay more than the minimum due. For example, I recently paid the full statement balance of XXXX on the bill that was due on XXXX/XXXX/16. It cleared my account at XXXX XXXX XXXX on XXXX/XXXX/16 but as of today, my PayPal Mastercard shows {$0.00} credit available. The account reflects the payment I made and I have a credit line of {$2700.00} but it 's still showing I have no credit left. I called yesterday and they said they can not release the credit
My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company CONSUMER RECOVERY SOLUTIONS XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.
I have been trying to cancel my membership for over a week now. It says on XX/XX/18 my card will be charged {$21.00} and there's no way to delete my card information. For one, that is super shady, and two I want my card information off of their website. Their spam advertisement on XXXX conned me into thinking that I was only going to be charged a dollar and now it looks like I can't delete my card information and am going to be charged a monthly rate of {$21.00}. I want to cancel my membership and delete my card information off of their website immediately. I have tried calling multiple numbers listed on their website and NO CUSTOMER SERVICE REP will get on the phone. I haven't been able to reach ANYONE at ANY time every day I call. This is pathetic and unprofessional.

I WANT MY CARD INFORMATION AND ACCOUNT DELETE IMMEDIATELY.

Thank you.

XXXX XXXX
I have got two phone call from IQ data company for asking money. The first call I had with IQ data is called by a male, he told me I have owned money from my previous apartment. And the apartment send their company to collect the money. But, at that time, I have never seen any bill from the apartment or the bill with same amount. I was asking him the basic information to confirm if he is not a scammer. He only have my and the apartment 's name and the total amount of the bill. When I asking him to private me more information such as the detail for the charge on each item or service, my living address, the invoice from service party, etc. he start to ask me will I pay for what he asking for. I told him I can not give him a payment without have the information, and he is starting threatening me to hurt my credit if I am not agree to pay him now. I told him I will call PD to report this phone call and he was become mad and threatening more about my credit and told me I will have following lawsuit if I do n't pay him. I called PD and be told I need evidence in order to report this case. Today, I had the second call from IQ data for the same amount of money, but called from different number. ( first called from XXXX, second on called from XXXX ) The people who called me is a lady with fast speak. She told me I owe their money and force me to make a payment right away. I told her please private me the detail of the payment and I will pay for that if I truly owe money. She asked me '' will you pay now if I give you the information? '' I answered her, " yes, if the money is what I owe. I will pay it now. '' She yield me '' I just ask you, will you pay? Yes or No! '' I repeat what I was answered her before. She repeat '' I just ask you, will you pay? Yes or No! '' with higher volume. I felt offended, and ask her to allowed me to record the phone call. She start getting mad like the male who called me before. I asked her to give me her name and company name for recording and the charge for each of the item. She told me the each of the charge but it 's different from the amount she gave me. So I kindly asked she to repeat it. She told she already spend 15 min on me and do n't want to waste time on me. She start to threatening me to hurt my credit as well. I have recorded her voice as evidence. The collectors from IQ data are un-professional, rude and lack of patient. I have never owe any one money, I have down payment for my house, auto, and any other cost. I paid my credit card on time every month. If the money I truly owe someone, I will pay back at first time. I believe that not everyone mean to owe money, they may in a hard situation or never got bill like me. Service be nice and helpful is important. I hope the board can have a consideration of their registration, ban it as needed.
On XX/XX/XXXX I hired someone to replace a roof on our house. They offered my wife and I a " Promotional Loan Offer '' with " No Interest '' for 18 months if it was paid in full at the end of 18 months. Seemed like a good idea until my wife asked me when we got our bill for XX/XX/XXXX why we owed more than the initial loan was worth. Unfortunately since my wife pays all of our bills with a check monthly, I never realized that she was basically paying the minimum payment ( which was the same every month as stated on the bill ) and that that payment would not pay off the loan in 18 months. 

I called Synchrony on XX/XX/XXXX to try to resolve this problem and sent them a letter based on my conversation with XXXX XXXX from Synchrony, offering to split the incurred interest, then offered to pay the full interest that was accrued on XX/XX/XXXX. I have talked to various customer services folks and their account managers ( and have been patiently waiting to talk with the account managers boss which Synchrony said would call us, but haven't heard from them in over a week ). I have attached a copy of the original loan agreement, my initial letter to Synchrony, and 2 responses from Synchrony Bank for your information to help us resolve this problem fairly. Synchrony Bank   has not been very cooperative to this point. 

This type of loan is very misleading. Although I signed the agreement I was under the impression that if my wife paid the bill on-time every month that we would be done in 18 months. As you can see from the agreement that's not the case. I should have looked at the bills rather than simply handing them to my wife and having her pay them first because I was worried that we would get charged interest if it wasn't paid on time. 

XXXX XXXX, the first person we spoke with, offered to remove 2 months interest but that just didn't seem right, though now Synchrony says no interest can be removed. My wife paid 21 monthly installments of $ XXXX/month. You would think that Synchrony Bank would have found that " unusual '', why not pay it off in 18 months. XXXX XXXX said that if we had been " delinquent '' in any of our monthly payments that the bank would have gotten in contact with me to understand why a payment was missed, which would have been great because then I would have looked at the agreement and realized that this loan was coming due. Seems to me we are being unfairly punished for a loan like this and no other senior citizens should fall into this trap and that's why I am sending you this complaint, to get a fair resolution and to let others know of the pitfalls of this type of loan are. I have never had a loan like this, not from any other company who offered " no interest loans ''. When you paid the monthly bill, at the end of your term, the loan was paid off. With this loan, your monthly payments will not pay off the loan in full.
1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to XX/XX/XXXX ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XX/XX/XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.
I do n't know who this person is. He calls shouting my name as loud as possible. Demands to know where I am. Wants to know when I will be home. Calls family members over and over again as many as XXXX times in a day. Called my daughter in XXXX XXXX, Called my Son in law, called another daughter in Arizona and stated he has a case number. Calls me all day long but will not identify himself. Left this number with daughter in AZ.XXXX case # XXXX.
My name is XXXX XXXX. There was a fraudulent charge put on my credit card for {$2400.00} on X/XX/2013. Credit Card # XXXX XXXX XXXX XXXX, my social security # XXXX XXXX XXXX. I have been fighting with Wells Fargo to remove the charge for years and they remove the charge and put it back on the next month without telling me. The name of the company is called XXXX XXXX XXXX and they have been prosecuted for falsely putting charges on peoples credit cards without permission. XXXX XXXX has something to do with timeshares I dont even own a timeshare. Every time I call wells fargo they make pass me around to different departments for 2 hours. Every time I call it is a 2 hour phone call. The last time I called they thought put me on hold but I could hear them talking and they said said " just tell her we are going to remove the charge and started laughing hysterically. When they got back on the phone I told them I could hear them and they hung up on me. Please help me. I am supposed to be protected from unauthorized charges with the credit card company.