WillisBack/dataset-financial-user-claim huggingface dataset:
Filed prior grievance of company doubling reported amount owed from XXXX to over 6800 through credit bureaus. Through XXXX amount was reduced back to XXXX. Since then made settlement through XXXX XXXX 3rd party collection which reported correct original amount of XXXX when settling account. Showing paid in full middle of XX/XX/XXXX. Since then Lobel Financial raised again reported balance to XXXX on credit reporting agencies and shows amount owed. I have disputed again through financial agencies which came back with no change and again unexplained doubling of amount owed. the doubling of amount randomly appeared end of XX/XX/XXXX though for prior 3 years before doubling had a debt balance of XXXX.
Allied Interstate continues to call my personal phone, my place of employment, my co-workers personal phones and my family after I have specifically told them that they can only contact me via US Mail. They have contacted friends on XXXX to obtain my private phone number. I have informed them that I will not speak to them on a recorded line. I have never received anything from them via US Mail. I sent them an email requesting verification of the debt. I have not received verification.
THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. I know that these accounts are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
I have requested proof multiple times for incorrect status and balances. Please delete the following accounts : XXXX XXXX XXXX   XXXX XXXX # XXXX ERROR PLEASE DELETE XXXX XXXX XXXX # XXXX UNVERIFIED PLEASE DELETE XXXX XXXX XXXX # XXXX ACCOUNT NOT MINE PLEASE DELETE XXXX/XXXX XXXX XXXX # XXXX DUPLICATE PLEASE DELETE XXXX/XXXX  # XXXX DUPLICATE PLEASE DELETE XXXX  # XXXX WRONG BALANCE ERROR PLEASE DELETE XXXX XXXX XXXX # XXXX
I have been scam on a XXXX scam. I was selling my guitar for {$200.00}. A person contacted me said his name was XXXX and wanted buy my guitar. He sent me a Cashiers Check for {$1400.00} saying the extra money was for his movers. He requested I send the extra money {$1200.00} to his movers via XXXX. He had me send it to XXXX Maryland XXXX. XXXX number he was texting me on is XXXX.
Please see company 's response before I refute said false claims : XXXX XXXX XXXX indicated that the address associated with the claim 10 Page 2 XXXX XXXX XXXX, XXXX XXXX, NY was incorrect, and updated the address associated with the claim to : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX XXXX XXXX also verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. We have updated XXXX XXXX XXXX . Auto report to reflect the corrected address provided by XXXX XXXX XXXX, and mailed a copy of the updated XXXX . Auto report to XXXX XXXX for his review. The address associated with the XXXX . Auto claim in question XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has been reported to LexisNexis by a variety of sources, including the nationwide consumer reporting companies, with XXXX XXXX name, date of birth, and social security number. The address was also included with XXXX XXXX social security number, as provided to our office via our online consumer disclosure portal when requesting copies of his consumer reports, and on the full bankruptcy docket for a bankruptcy XXXX XXXX filed in 2012 while residing in New Jersey. If XXXX XXXX believes the social security number we have on file for XXXX XXXX is incorrect, we encourage him to contact us directly so that we may verify his correct social security number.
XXXX XXXX XXXX XXXXXXXX XXXX & their affiliate finance company, Prestige Finance. XXXX XXXX purchased around XX/XX/2016. After filing for bankruptcy due to a divorce, I had to turn in my vehicle. I went to XXXX XXXX XXXX as they are one of the companies that claim to specialize in " credit challenges '' such as this. The salesman assured me if I just keep the vehicle for a year they could get me back out of it and into an SUV like I had wanted since the vehicle was a XXXX and would hold its value better than an American made vehicle. Prestige Finance has been engaging in Predatory Lending and targeting Borrowers who have limited options to due credit challenges and/or bankruptcy. They charge much higher interest because of the credit challenges. I expected this, however, they DID NOT disclose all of the loan terms when I signed paperwork. And recently I learned my loan has a fluctuating interest rate, and several of my payments went 100 % to interest and not a dime went to principle. My balance has not gone down for several months. It has actually GONE UP. Which means this loan has negative amortization, an adjustable rate, and would not be able to be paid off by the term agreed upon ( I believe it was a 6-year loan ) without a balloon payment. I have worked in finance/mortgage business for over 15 years so I am well aware of deceptive and predatory lending practices and I told Prestige this, and that I will not continue to throw money away on this loan. I also have NOT been able to trade the vehicle in like the Salesman assured me I could. I've tried for over a year straight. There is $ 5-7k negative equity, especially since my balance hasn't gone down. I've recently had a baby so we now have a family of XXXX and can't even fit my family in the car, or a stroller. So not only has this left me in a difficult financial situation, but I've also been paying for a car that I can't even use. They also would harass me every month beginning the day before the payment was even due. Three times daily at a minimum. A phone call immediately followed with a text message and an email about my payment being due.
there some miss management on my loan, my loan was, with XXXX XXXX, then XXXX XXXX, and then, GMAC, then Owen loan servicing now. i have try to get help and all they are doing is working to take my home. i file a complaint with XXXX XXXX office here in XXXX and at that point they being trying take my home, i also went to a hub Offfices and they Still refuse me help FOR MODIFICATION, i put in for the hard hit and the refuse that. at this point in and very thing i put in for they deny for help, i am XXXX  and can not work and the refuse Everything to help me on my house, THEY TOLD HARD HIT, THEY WOULD NOT TAKE THE MONEY OR I DIDNOT QUALIFY, FOR ANYTHING THAT WILL HELP ME, TO SAVE MY HOME, I HAVE FILE CHAPTER XXXX, SO THEY WOULD NOT TAKE MY HOME, AS, I AM XXXX., I FILL DISCRIMINATE ON., MY LAWYER GAVE A CONSENT TO WORK WITH ME AND THE HUD COUNSELOR AND VERY TIME SHE OR I CALL THEY SAY THEY CAN NOT TALK TO COUNSELOR, OR ME, I JUST HAD TO FAX THIS PAPER AGAIN TODAY XXXX, WHEN IT WAS ALREADY FAX 'S OVER ABOUT TO MONTHS AGO.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ive sent a report stating that 6 inquiries does not belongs to me ive also sent a removal letters and also an FTC report still nothing wasn't done
OnXXXX XXXX, 2015, PHH Home Loans , LLC stated to the Consumer Financial Protection Bureau in writing that, " Our records indicate your loan application was preapproved based on verbal information you provided the Loan Officer. '' ( please see attached ). This is completely false. PHH Home Loans is establishing a history with providing false statements to justify their wrongdoing. I am providing documentation to prove that I provided legitimate documents ( in writing ) via email to the loan officer ( XXXX XXXX ) on XX/XX/2015prior to receiving a pre-approval letter. My written information that I provided the loan officer included documentation from XXXX/Tax Information ( that listed my employers for two years ), pay stubs ( that listed my current income and employer ), bank statements ( that also listed income from my employers ), and paid in full letters ( please see attached ). The loan officer also did a hard inquiry and pulled my credit report on XXXX XXXX, 2015, which I had over XXXX credit scores from all three credit bureaus ( please see attached ) prior to issuing me a pre-approval letter. I provided all of these documents ( please see attached ) to the loan officer for her to analyze as stated in their application process prior to receiving a pre-approval letter onXXXX XXXX, 2015 and XXXX XXXX, 2015 for different loan amounts ( please see attached ). They also made false statements regarding my previous employers. Further, to justify their false letter to the Consumer Financial Protection Bureau, PHH Home Loans , LLC intentionally provided Consumer Financial Protection Bureau with the false Statement of Denial that misrepresents incorrectcredit scores they have stated in the XXXX 's and XXXX 's and incorrect credit information, which it 's Operations Manager admitted in an email was an incorrect ( please see attachments ). PHH Home Loans , LLC has intentionally provided false statements to Consumer Financial Protection Bureau just like they provided false statements and misrepresentations as to why they denied my home loan. 

PHH Home Loans also stated in its XXXX XXXX, 2015 letter that FHA requires borrowers to provide a statement. I am providing documentation from FHA guidelines, which do not state this at all. Once again, PHH Home Loans provided false statements Consumer Financial Protection Bureau to justify their actions. If PHH Home Loans , LLC had legitimate reasons for denying my loan ( which it does not ) and if they denied me based on honest reasons other than my race, then there would be no need to come up with and make false statements and misrepresentations as to why it denied my loan. PHH Home Loans knows that I qualified for my loan at the time of my initial application ( XXXX XXXX, 2015 ) that they are refusing to allow me to have based on their false information, which had caused me to be homeless.
I had an XXXX credit card acct # XXXX with a balance of {$410.00} was sold to L.H.R on XX/XX/2012.I had attempted L.H.R on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXXXX XXXXXXXX XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.
I submitted a request to modify my loanXX/XX/XXXX to M & T Bank via XXXX XXXX XXXX because I was having financial difficulty. The modification was not completed until XX/XX/XXXX and the foreclosure process was initiated in XX/XX/XXXX. The loan company did not allow me to stop the modification process and enter to a re-payment plan. They stated that I was still in good standing and the loan modification was ready for completion in XX/XX/XXXX. However, the company continued the loan modification process requesting the same paperwork numerous times and allowing critical paperwork to expire. Missing documentation letters they claimed to have sent to me were not sent but manufactured after the fact. I have requested that a list of dates that requested documents were received and scanned to compare them to these documents. I believe it would show that the documents they claimed were not received were in fact in their possession. After assuring me I would not go into foreclosure, the foreclosure process had already begun. The company refused to send this info as it would show that the missing documentation letters were addressed in a timely manner and the delay was on the part of XXXX XXXX XXXX. When the trial modification was complete, the loan was higher than the previous loan I was trying to modify. I was ordered to pay {$470.00} instead of {$440.00} per month, a net increase of XXXX and I also have to pay {$4700.00} in foreclosure fees, which could have been avoided if the organization would have been able to process information for the loan modification.
I recieved a notice about a collection account on my credit report. I looked over the information and it was inaccurate, as i have never used services from that company " XXXX ''. I issued a dispute with experian, they handled it quickly, but i was told my inaccurate collection account would remain. I reached out to the company around 3 weeks ago and asked for to dispute it with them as well. They told me they would send out some paperwork with a summary of all " charges '' and i have yet to receive it, upon calling them again im told they will send it out again. If this was my account to begin with, why would i never have heard about any kind of account until now, when its supposedly in collections? This process has gone on long enough, and my credit report still has the collection account on my report and it's not making it easy to rebuild my credit. This charge is not mine, i will not be paying for it because of a mix up on their end. Both companies have not been very helpful in getting this matter resolved.
Recently while conducting a monitor of my credit report I discovered that COLLECTION CONSULTANTS # XXXX, # XXXX, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from COLLECTION CONSULTANTS but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX to release my medical information to a third party. My request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
the risk dept at bank of america closed my acct -- -this had to do with me being massive victim of gang crime gang stalking mud slinging incuding financial fraud identity theft burgaries theft etc..and complete lack of needed legal representation -- -i was customer since late XXXX XXXX XXXX which was late bought by bank of america -- -- after suffering from latest crime when all of my checks were taken i decided to chg account num -- they chgd my acct num -- then within couple of weeks after this happened or after 2 weeks  after XXXX XXXX-2017 apx -- -my crd stpped wrkg -- my online bnkg stopped responding and i learned they closed my acct -- they did give me my money back after i alrdy ordered new checks telling me to resolve my chk order with XXXX -- is there anyway to sue bank of america and wht kind of case wld this be??? -- i opened the new acct by XXXX  as instrctd by XXXX XXXX mgr
This is a follow-up to complaint #XXXX regarding American Education Services.  Despite talking to customer service in XX/XX/XXXX, I still have received NO new information regarding my application for discharge for total and permanent disability.  Instead, I have received bills for interest.This morning (XX/XX/XXXX), I received a call from XXXX, employee # XXXX, regarding my "past due" balances of $XXXX.  She had NO knowledge of my application for discharge nor the pending complaint.I informed her of the pending discharge and of the previous complaint.  I noted I was going to file a follow-up complaint.  I also requested that I receive NO more collection phone calls.  It is time for them to complete the review of my application and discharge the loan!  It has been almost a YEAR since I started this process and I have received FALSE information from them regarding the process.
I cancelled my Macy 's credit card in XXXX 2015 after paying off the entire balance. I did not realize that they continued to charge me {$2.00} a month until XX/XX/XXXX when I emailed Macy 's ( to have it in writing ) and called to cancel the card again. Nothing happened. By XX/XX/XXXX, I owed {$22.00}. I decided to just pay it and try to close the account for the third time. Yet, I continued to get charged this {$2.00} every month! When I called the " Specialist Department '' at XXXX, they said that I never cancelled it and that they kept charging me because I paid the balance after the billing period. They have also reported me to the credit bureaus because of this. My XX/XX/XXXX statement was back up to {$14.00}.
Unemployed XXXX/XXXX/15. Contacted Wells Fargo. Worked with XXXX XXXX and started a program for modification while unemployed. XXXX was promoted. XXXX XXXX was assigned as my " contact '' as my Home Preservation Specialist. Late XXXX I received a packet that I filled out with XXXX, dated XXXX, and to be completed by early XXXX. I called and XXXX said it was to continue beyond XXXX XXXX. Told to hang on to it and send it in later. But I need to follow written instructions when dealing with a mortgage. Early XXXX, XXXX voicemail said out but never changed for over two weeks. I left XXXX urgent messages, but no one followed up. I was put in contact with her supervisor XXXX XXXX. She said XXXX had been there every day and not sure why no update to voicemail since XXXX XXXX and no return calls. She scheduled a call. XXXX called at scheduled time. Told me that the XXXX packet was now outdated and I had to fill it out AGAIN!. I did and emailed it to her. A week later, XXXX calls XXXX minutes after the scheduled time ( I thought she had forgotten ) telling me she has XXXX pay stub ( yet both are on the same email ) and nothing else, clearly a lie. The emails from XXXX states she never received any documents. I emailed AGAIN ( forwarding the prior weeks emails ) and cc 'd her supv. Suddenly XXXX acknowledges and then a list of new requirements. I complied and emailed back. I have had no further communication from my " contact '' or her supervisor after several messages have been left and emails requesting follow up. I received a call from a XXXX XXXX to call XXXX XXXX. I have left several messages, and no return calls. Yesterday I was returning from an interview in XXXX ( a XXXX XXXX XXXX through mountains and long terrain ), I told " XXXX '' ( no last name??? ) that I could n't talk when driving XXXX. Please send me an email so I have his name and phone number contact and I would call him tomorrow. Still no email. I have no idea who XXXX is or how to contact him. The communication is absent and the follow through is severely lacking. I need XXXX person who understands how to call back, change their voicemail, check their email for necessary documents.
I initiated a dispute with all three credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.
GM Financial is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/2018. 
GM Financials attorney Contacted me when I was attempting to settle said that GM advised me to call them and she gave me their number : XXXX. 
I called them and they told me an outside agency named XXXX is collecting on the debt now. Their number is XXXX - GM account number XXXX. 
I called that company On XX/XX/2018 I settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX balance. 
Now they won't return my calls and GM is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.
The bank is not sending accurate information to an application. I have funds and it is showing that I do not have any.
From my understanding, my capital one 360 account was suppose to be closed in XXXX 2017. Since then I had logged into my account and it had shown a negative balance of {$990.00}. When I contacted the bank about the issue they put me on hole for an hour and a half then told me they would have someone contact me about the issue. That was 3 months ago. I 've tried contacting them since then and still have n't heard anything. Just out of curiosity, I logged into the account today just to see if they 've even attempted to fix the issue but it now shows a negative balance of {$2900.00}. There is no way the account could be negative because I had cancelled the debit card for the account and they sent me another one which I still have not activated. When I log in, the transaction does n't even show up on the latest transaction. I refuse to pay that amount if the bank can not even contact me about the issue. I 've made phone calls, emails and even attempted contacting them through the website and still nothing. But somehow they manage to blow my phone and email up attempting to get me to activate the new debit card. I refuse to activate it because that 's just going to add another small fee onto the account that was suppose to have been closed months ago. The account still had {$1.00} the day it was suppose to be closed so there should n't be any negative fees
I am disputing fraudulent items that are on my credit report due to ID theft. The reporting agency have failed to removed the items from my credit report.
After XXXX  school, I could not afford my student loan payments. Several times between XXXX and XXXX, I contacted my loan provider navient for relief. Despite informing them of my employment in public service as a XXXX XXXX, navient never informed me of income based repayment or forgiveness. Instead I was told forbearance was the only option. I was a single mother. My $ XXXX in loans have grown to over $ XXXX as a result of deferments that were presented to me as my only option. Despite having been employed as a XXXX XXXX for 14 years, and having made payments for over ten years, I still owe over $ XXXX in student loan debt. I cant even save for college for my XXXX children because I am still strapped with so much of my own student debt.
I am attempting to refinance my home with a new mortgage lender under the HARP program, and have requested a payoff quote from my current mortgage lender, Seterus. I requested this information on XX/XX/XXXX through their online request form, and again XXXX on XX/XX/XXXX and XXXX. To date (Sunday, XX/XX/XXXX) I have not yet received my payoff quote from Seterus, despite Federal regulations that I was to receive it within 7 business days. This is jeopardizing my ability to close my mortgage refi with the new lender by XXXX.