WillisBack/dataset-financial-user-claim huggingface dataset:
I was given a new phone number XXXX/XXXX/16 when I moved. 
New phone number : XXXX Immediately began receiving credit card co calling, Synchrony from XXXX XXXX XXXX. 
Tried to call them, ca n't talk to live person. They state on recording they are Walmart credit. Multiple calls received throughout the day. Pick up the phone unable to talk with a person. Calls for almost 3 weeks. Start at XXXX continue to XXXX.
XXXX referred an alleged debt to a collection agency and the debt was not discharged in their favor. The have subsequently sold the same account to XXXX other collection agencies. 

I am being harassed by these companies for a debt that has been settled.
A derogatory collection account was made on my credit report after original creditor confirmed my insurance company HAD NOT cancelled my policy and they just forgot to bill them. I was told there would be NO collection action or derogatory marks on my credit report yet I now have a delinquent account. I have called Fidelity multiple times to try and get someone to help but they continuously transfer me to OTHER CONSUMERS by accident. The most recent time this happened was TODAY when I was transferred to another consumer named XXXX XXXX who had also been trying to resolve a matter with Fidelity that was very similar to mine. In addition, for the past couple of weeks, I was getting calls and voicemails from a person looking for someone named XXXX. It turns out the person calling me is XXXX and she was looking for Fidelity as well. She was being transferred to me by Fidelity employees.
On XXXX XXXX, I sent a letter to XXXX and Experian ; asking them to investigate three errors on my credit report. Two months have gone by, and they have not responded yet. I have even sent follow-up letters that have not been responded to either.
In XX/XX/XXXX, I contacted Freedom Mortgage because my husband and I had found ourselves in a financial hardship due to a tax debt that we owed to the government. As of XX/XX/XXXX, our loan with Freedom Mortgage was completely current and not in default in any way. We were advised to apply for loss mitigation. On XX/XX/XXXX, we sent in our first loss mitigation application. On XX/XX/XXXX, we were notified via USPS letter, that our application had been received by Freedom Mortgage and was facially complete. On XX/XX/XXXX, a single point of contact was assigned to our account by Freedom Mortgage. On XX/XX/XXXX, we were notified via USPS letter, that our application had been approved for a FHA Home Affordable Modification Program. We were told by Freedom Mortgage that we should no longer make our contractual payment if we wanted to participate in the 4 month trial period payment plan. If we made our trial payments in the months that they were due for the duration of the trial period, then our loan would be permanently modified. We made our first trial period payment in XX/XX/XXXX and made subsequent payments for XXXX and XXXX. On XX/XX/XXXX, Freedom Mortgage sent us a letter informing us that our application for loss mitigation had been denied because our loan did not meet FHA seasoning requirements. When we originally applied for loss mitigation in XXXX, Freedom Mortgage knew but chose not to disclose, that our loan did not meet FHA seasoning requirements. They fraudulently approved us for a loan modification program even though they knew we were not eligible for the program. They processed 3 of our 4 trial period payments. Our loan is now in default and we are behind over {$8000.00}. Freedom Mortgage representative, XXXX, communicated to me on a recorded call that this was an error made by the under writers. She also confirmed that Freedom Mortgage, its representatives and under writers are fully aware of FHA seasoning requirements and are also aware of a clients loan history prior to an application for loss mitigation. She agreed that Freedom Mortgage approved us for a program that we did not qualify for. Freedom Mortgage has been unwilling to resolve this matter for my husband and I. We started this process with good credit and a current loan and now our credit is marred and our loan is in default.
On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX and Experian : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX and Experian : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX , I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.
this Company call me an also my job about a payday loan in 2010 f i own a loan why they calling me know. leaving me messeage on my phone Im tird of these call an my boss is fed up too. they saying they can take my wage take me to court an ect. they call me with a number then they call with an unkown number they keep saying they going to process the paper work they few day later they call again about send money
I filed a complaint with CFPB in XXXX The issue was resolved to reflect that the account was paid in full with a XXXX balance per XXXX response to CFPB. I got a alert stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX.
Obtained a car loan wi th Credit Acceptance Corp  in  XXXX   XXXX . Was involved in a motor vehicle accident in  XXXX   XXXX . Car was totaled. Credit acceptance Corp received check fro m Insurance Company (   XXXX   ).  A few moths later they sent a letter requiring me to pay additional balance ( around {$2500.00}  ). I s aid I would as long as they returned car to me since they had car and also the insurance pay off. They refused to do so. Finally ion  XXXX   XXXX  I gave up and agreed to a settlement. Paid {$1600.00}.  Credit Acceptance  was still reporting me to credit agencies  XXXX   XXXX . I want the late payments removed from my credit reports since it was settled and the reason I was not paying was because I was disputing.
I am a husband and father going through a very emotional financial hardship. I am also very optimistic of my future as I continue to battle through and run towards opportunities. Due to my current financial strain I am unable to pay for my bills as scheduled and my bank has been covering the insufficient funds. As I do understand and appreciate this policy under reasonable terms, I do believe that I have been taken advantage of. As a result of the banks unreasonable fees I am currently overdrawn $ -XXXX with my account scheduled to close sometime on XX/XX/XXXX if I do not make the account current. I do plan on seeing some money soon but I 'm afraid that this may just cover my negative balance leaving me with no money to pay my bills and many more bank fees. As of today from the beginning of the year ( 2017 ) I have incurred {$2000.00} in bank fees with {$980.00} just being in the last 3 months. This is not a reasonable practice and I must do what I can to try to resolve and also alert other consumers that are going through the same issues.
PMI Cancellation : I paid the balance of my mortgage down to below 78 % loan to purchase price on XX/XX/XXXX. I was informed when I had paid the mortgage down to 80 % that i needed an appraisal to cancel PMI, or if I paid it down to 78 % it would go away immediately. Since then, I have been educated on the Homeowners Protection Act. 

A PMI payment was withdrawn on XX/XX/XXXX. I contacted the company on XX/XX/XXXX, and they said I needed to put in a formal request, which they did at that time. They said it could take 3-5 business days. Between XX/XX/XXXX and XX/XX/XXXX, I followed up again, and was told my request was pending, and I received inconsistent information on how long it would take to process. I did not record the date for this call as I thought they were working with me at the time. 

I followed up on XX/XX/XXXX, and was then informed it would take a month from my request on XX/XX/XXXX. I asked for confirmation as I had been told 3-5 business days multiple times before and they refused to send any written confirmation. They told me to send an email, which I've attached. I was not contacted. 

On XX/XX/XXXX, another PMI payment was taken out of my escrow account. I called on XX/XX/XXXX, and they said someone would call me in 24 hours. Nobody contacted me, and I followed up on the evening of XX/XX/XXXX, and I was told that the automatic cancellation was not 78 %, it was 75 %, which is inconsistent with the Homeowners Protection Act and my mortgage documentation. They also told me my LTV was at 79 % in their system, when it has been at 77.99 % since XXXX, and shows at 77.99 % on the customer portal. I asked the representative what they were showing as an outstanding balance, and the amount he told me was the correct outstanding balance, which equated to 77.99 %, but he still told me my loan was at 79 %. 

They refuse to let me talk to a supervisor, they refuse to call back. I believe they are intentionally giving me a difficult time, conflicting information and ignoring me because I have called so many times on the matter.
Chase bank closed my savings account,and sent my money to the state of Texas,without my authorization,or even telling me. When I got my monthly statement it was just gone. This is my life savings.They are telling me I have to file a claim with Texas and it may take 3 To 4 months and cost over 500.00 dollars in processing fee. I feel like I am being scammed. Chase has made a huge error and expects me to correct. very unfair and I will never trust them with my money ever again. Big banks don't care who they hurt.
XXXX XXXX  is reporting inaccurate information to XXXX   and Experian. First of all, the original and actual loan date was XX/XX/XXXX. In other words, the actual XXXX XXXX calendar year was XXXX, over 12 years ago, not XXXX as inaccurately indicated on our credit reports. QUESTION : Is the incorrect Date Opened XX/XX/XXXX a result of erroneous reporting from XXXX participation in the XXXX TARP bailout program? For Your Information : TARP was the Troubled Asset Relief Program initiated by the U.S. Government in XXXX to fund billions of dollars into financial institutions such as SunTrust to restore liquidity due to excessive volumes of risky subprime lending and 2nd mortgages. In addition, the actual and correct Balance on this account was {$65000.00} not the incorrect exorbitant amount ( s ) indicated on this report. Also, the property associated with this account was sold in XX/XX/XXXX. However, even though we sold the property and no longer own the property, almost 10 days after the property was sold in XX/XX/XXXX, this adverse account appeared on our credit reports. Just to be clear, our goal is to maintain correct and factual information on our credit reports to avoid further negative financial consequences.
I contracted with XXXX XXXX in XXXX of 2013 to help negotiate settlements on XXXX credit card debts. XXXX went fine and the third, Bank of America represented by XXXX XXXX XXXX, has been a fiasco. A written settlement agreement was made in XXXX of 2013, the XXXX XXXX settled, for XXXX {$1100.00} payments over a XXXX month period. I placed the money in escrow with XXXX financial through XXXX to guarantee payments as agreed. XXXX of the {$1100.00} payments were made as scheduled and Bank of America refused the last payment and backed out of the deal. They have been billing me for the full original amount and I never received any credit at all for the {$2200.00} they accepted. I have a copy of the original agreement and copies of the cashed payment checks, I have no idea where that {$2200.00} went. The original debt amount was put into collection and passed from XXXX agency to another. Since I have already paid XXXX for their service, I have been emailing and calling back and forth in an attempt to resolve this issue as agreed. Now XXXX will not answer my calls or respond to my emails in my attempts to find out the status. I feel both Bank of America and XXXX have both committed fraud and left me with the adverse effect on my credit reports which severely restricts my employment possibilities and my insurance costs.
XXXX claimed they sent service to my former address and there was no service to said address in the area at that time. I never received any products or services from XXXX, what so ever!!! Now a collection agency is blocking my credit with this unauthorized and incorrect charges of {$2600.00}, which I have been denying for several years to no avail. NOBODY RESPONDS. the charges are still on my credit reports and must be removed by Jefferson Capital Systems collection # XXXX
I purchased my home in 2006 from XXXX XXXX XXXX. XXXX sold my mortgage to Nationstar. Everything was fine as far as I knew. I was told by nationstar I could lower my current mortgage payment with a low rate refinance. So, I refinanced my mortgage. My mortgage briefly changed, not much, then went back up. I called and inquired why. I was told my escrow with XXXX was not enough to cover current escrow when I refinanced. Never heard this before and I asked about my equity from my house and was told they used it. I never agreed to that. I was mislead, tricked and misinformed intentionally. After 10 yrs from a XXXX mortgage, after refinancing with Nationstar, I still owe XXXX. My mortgage was lower before I refinanced. I requested a copy of my refinance papers and they never sent it. I never went to the bank they sent travel notaries to my house. If Nationstar purchased my loan, why am I being penalized from their purchase from XXXX. I did n't choose them. What can be done?
I have made multiple complaints for the unfair deseptive and abusive acts regarding my mortgage with Fifth Third Bank. The mortgage lender in question has continually charged me unwarrented fees and claims the charges are property taxes. When I logon to the XXXX XXXX XXXX XXXX website my property taxes are {$240.00} on a semi annual bases ; Fifth Third Claims that my property taxes are {$520.00} on a semi annual bases. Fifth Third Bank has caused unavoidable damage in the effect of increasing my mortgage payment by over {$100.00} per month. I need help with this matter I can not afford to pay the money that the lender is demanding. I have yet to get help from UDAAP, FTC or CFPB this is clearly a case of a lender taking advantage of the under informed and leveraging their financial power over a consumer with limited resources.
The school that I went to was n't accredited and they said that they would dismiss my student loans I called navient and they said that I can add a military push back I guess that 's what you would call it and they did n't do it at all I just received a bill from them I have XXXX loan with them but they report on my credit as XXXX different loans on XXXX different amounts I 've called multiple times and I get the same response they tell me that there 's nothing they can do they can set me up for a further date to start paying but they still send me a bill my account number is XXXX XXXX
This is the second complaint against Kending Club concerning my loan with them, the deceptive tactics and misleading information, and the fact I spoke with their consumer advocacy associate and asked her specifically to tell me what I was due on my account XX/XX/XXXX because I was in the midst of closing on a home equity line of credit to pay them off. She then tells me she would get back with me. Three days later she then gets back with me. I had the money to get the account current and it is my belief that after speaking with her and reaching out to XXXX XXXX by email over 8 times, my situation with my area being declared a natural disaster or the fact that Im trying to pay them off through my home equity line of credit, means absolutely nothing to them. Worst customer experience of any business I have ever dealt with. Its because of there miscommunication, Im in the position where I can not close on my home equity line of credit to pay them off.
Beginning in XXXX, XX/XX/2018I requested evidence that this was my debt which is showing on my credit report from XXXX XXXX ( see attach letter. ) I never received any proof that this debt belongs to me ( like signed loan agreement or pay history ) but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
I have disputed this item with Experian through the mail and over the phone several times and the last time I spoke with the customer service representative, he told me that he was doing me a favor by opening up XXXX more investigation. I sent Experian documentation showing that I have never had a tax lien and sent them records that I have from the CA XXXX website showing my tax history for the last 7 years. I was told that I would have to have the state of california issue a withdrawal of lien before they would remove it which is utterly IMPOSSIBLE!! and I currently live in another state. The will not accept anymore documentation from me to prove my case with them, which I already did. I need help!
XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no  longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost XXXX XXXX records including email and XXXX addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were XXXX XXXX unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX XXXX Equifax and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus and XXXX XXXX XXXX XXXX to make them aware of the Identity Theft and disputed. Nothing has changed and this is not right. I am disputing all of the following information due to be incomplete and innacurate : XXXX XXXX XXXX XXXX XXXX # XXXX )
Experian online dispute is a hoax and a deceptive and fraudulent practice in violation of the FDCPA and FCRA. They falsely state you can upload supporting documentation of a dispute up to XXXX mb black and white file. I have attempted to upload file size black and white XXXX of times no more than XXXX mb and it will not accept the files, I am computer capable, it is not my computer or my skills. The next step that Experian then fraudulently requires the consumer to do is to mail in the docs along with : social security card, driver 's license, utility bill, and it states that these items will be shared with creditors. The law is NOT that these items are necessary to file a dispute. They fraudulently do not accept online uploads so that they can collect this illegal data from consumers and then share this data with creditors. Please note : where is this world is it acceptable or SAFE to MAIL a copy of a driver 's license, social security card, and utility bill??????????????
Wells Fargo mortgaged my home from XX/XX/XXXX-XX/XX/XXXX. Lowered my monthly payments without my permission. Refused to work with me when I had a buyer for the home. Ended up in foreclosure and lost home.
I recently was denied and FHA streamline loan, and was forced into a higher interest loan from Quicken loans and then not given the refinances loan because of the appraisal that I did not have to have .Even as my house appraised for more than the amount of the loan .I believe I am being discriminated against because of my color and the demographics of the community in which the house is located .I was told I was denied the loan because the loan officer made a mistake and tried to put me in the wrong type of loan, Yet I am still denied credit because of their mistake .It is obvious that race and demographics is the deciding factor in the case. This will cost me thousands of dollars over the life of the loan and is blatantly discriminatory.
Hello- The issue is with my XXXX XXXX XXXX from Capital One. On XX/XX/XXXX they mailed me a request to verify my identity by faxing them my driver 's license and social security card. I made sure the request was valid and not fraudulent and I faxed them the requested information. I then called to verify that the fax was received on their end - even though I had the successful fax confirmation on my end. They assured me all was good. Then In XX/XX/XXXX I received the exact same letter - as a second notice - threatening that if I did not comply and send the requested information by XX/XX/XXXX that my account would be closed. I again called and confirmed that XXXX/Capital One did have the information from XX/XX/XXXX. At that time I requested email confirmation and I was refused. I again had to take their word for it that my account was in good standing. Then on XX/XX/XXXX I received my monthly statement in the mail. Though it made no reference to my account being closed - it showed no available credit when I knew I had available credit. I called and was kept on the phone for one hour and twenty minutes. I was told it would take up to seven days to send me a letter of resolution and reactivate my account. Yesterday, XX/XX/XXXX, was the 7th business day and my account still shows closed online and I have received NO correspondence by mail. Today, XX/XX/XXXX, I just called XXXX/Capital One again. The Case Manager I was told would be handling my account was not available, and apparently neither she nor her supervisor have voice mail. I was told I would receive a return call. I stressed that I do NOT want to speak with an Account Supervisor, as they tried several times to connect me with one. I said I needed to speak with Case Manager XXXX or her supervisor XXXX - as the Account Supervisor XXXX id # XXXX I spoke with on XX/XX/XXXX was rude, unhelpful, and obviously did not get completed what he said was going to be completed within seven days. I fear that XXXX/Capital One 's nearly THREE MONTHS of ineptitude has now damaged my credit score, by showing an account being involuntarily closed. I want a letter of apology from XXXX/Capital One sent to all major credit bureaus, explaining the error and the extreme length of time it has taken to correct the problem.
Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
In XXXX, XXXX XXXX provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted XXXX XXXX on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XXXX ) be removed from my credit report. Despite these attempts, a negative report still exists on my Equifax credit summary. Please have this delinquency expeditiously removed from my Equifax credit report. Thank you, XXXX XXXX XXXX