WillisBack/dataset-financial-user-claim huggingface dataset:
I continue to have issues with Macy 's - I receive letters and emails regarding suspicious activity on my accounts. I call the number provided but staff can not provide any details. I have asked to have the accounts closed but do not think that has happened. Not certain how to resolve this issue. I do not want to be nor should I be responsible for suspicious activity due to Macy 's inability to close the accounts and take the appropriate steps to secure information.
Citicards has been mailing me offers for XXXX bonus miles if I open a new credit card and spend {$3000.00} in first 3 months every 1-2 weeks for past few months. I finally applied for the card, was approved and spent over {$3000.00} in the time period specified. However they did not honor the bonus miles offer. I called and talked to an agent that told me I was n't eligible since I closed a Citicard 18 months ago. BUT if I am not eligible, why did they send offers to my house almost every week?
I am extremely stressed out with the company, LoanCare. My loan was transferred to LoanCare in  XX/XX/XXXX. I was with another mortgage company starting in XX/XX/XXXX, and I never had an issue with my escrow or insurance policies. In XX/XX/XXXX, LoanCare started to contact me about flood insurance. They needed my flood insurance documents or they were going to put me into a lender placed flood insurance policy. My payment was going from XXXX per month up to XXXX per month. I contacted my condo association because I pay into a flood insurance policy through them. That paperwork was submitted to the initial mortgage company. I called LoanCare, which took hours of my time, to explain the situation, and my condo association kept faxing the insurance policy proof to them. I called every four days. They kept telling me that they never received the fax. So, we would go through the entire process again. After the 5th time on 3 way calls with my condo association, I told LoanCare that I was calling a lawyer if they didn't tell me another way to show proof of this flood insurance. My condo association sent me a pdf via e-mail to show me the proof. Finally, last week ( XX/XX/XXXX ), LoanCare told me that I could upload it electronically. I was furious. So, I received a letter confirming that I was removed from lender placed flood insurance. I was pleased until they screwed up my escrow amount again. They calculated it wrong and have me paying the condo association policy amount per month into my escrow. I NEVER PAID THIS INTO MY ESCROW BECAUSE I PAY A CONDO FEE EVERY MONTH THAT COVERS MY FLOOD INSURANCE. I tried calling at XXXX, and I waited 90 minutes to get a customer service representative, and then they disconnected me while trying to transfer my call to another department. I am beyond done with this company. I really want to refinance with XXXX, but I am unable to get a better interest rate right now. This company is stealing from people 's most valuable asset, their home.
They tell me XXXX is the only one I can speak with but she refused to accept my calls. Or return them. Customer service representatives are purposely putting me on hold never coming back to the line. They are attempting every effort they can to prevent me from resolving this matter.
As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX as well as XXXX are all in violation of the FCRA ...
The following is in response to reference # XXXX/XXXX. Mr. Cooper responded to the question of tax payments being sent to the taxing authority agencies. After significant research, phone calls and past documents we have structured this response : by the statements provided by Mr. Cooper ; the question of the tax deferral XXXX was stated to have been in place since XX/XX/XXXX. The deferral has been in place much longer than this date, we purchased the home in XX/XX/XXXX and proof of XXXX was provided in person by visiting the XXXX County Appraisal District ( HCAD ). This is beside the point but it must be pointed out that this information is incorrect. In addition, the deferral has been in place but did not become a point of collection activity until the loan was modified. By Mr. Cooper admission, part of the modification of a loan is to pay pass taxes. Did this servicing unit over-look those with a XXXX deferral in place? We do not believe Mr. Cooper has a policies in place to address an exception for homeowners/consumers with XXXX deferrals and exemptions. Further, these taxes were placed in escrow resulting in a minus {$28000.00}. This will ultimately result in higher payments. Although Mr. Cooper 's information on how tax deferrals work was given in their response, this information has been known since obtaining a deferral 12 years ago ; the taxes are only a deferral and must be paid after my death or the sale of our home. Please provided information that is unknown. Why were payments sent out to pay taxes in the year XX/XX/XXXX?  This home was purchased in XX/XX/XXXX??? The statement from Mr. Cooper suggest there is no refund to be requested because the taxes are actually owed, is this what is being used to support your error, why wasn't this an issue before now? This did not become an issue until the loan was modified. Otherwise, taxes dating back to XX/XX/XXXX would have been place in escrow or not, please explain your position and the policy you have in place to address this.
Since XX/XX/XXXX I have been receiving monthly statements at my home address for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not mine. I do not, nor have I ever, had any business with Towne Bank. Here is a history of the attempts I have made to get this corrected : XX/XX/XXXX : Called Cardmember Service at XXXX. Spoke with XXXX and explained what I received. She verified that this was sent to the wrong address and would correct it. XX/XX/XXXX : Called and spoke with XXXX and told her I was still receiving statements, and was very concerned with how this account got associated with my address, and concerned that they hadnt corrected it yet. She consulted with her supervisor and said they would try to contact the customer and get the correct address. She assured me this is not associated with me. XX/XX/XXXX : Called and spoke with XXXX, and explained what was ( still ) going on. She transferred me to supervisor and I was cut off. I called back and spoke to XXXX, who transferred me to her supervisor XXXX ( ID # XXXX ). I explained ( again ) everything that has gone on, and she said she would change the address to the business address. I have received 3 more statements since then ( the latest on XX/XX/XXXX ), and am over calling them to get this resolved. In this day and age of Identity Theft, this really worries me that they can not verify a correct address for a customer, can not get my address removed from the account, nor can they provide me with a positive email or letter to say they have corrected it. They have asked in several of the conversations that I simply disregard and discard the statements. When I requested they send me some sort of confirmation that they had corrected the problem, they said they could not do that. After multiple attempts to get this corrected, and assurances that it would be taken care of, it is clear they are unable or unwilling to follow up and correct this. Whether this is incompetence, laziness, or just complete lack of concern I do not know, but my biggest concern is that if this is their response to my problem, how would they prevent someone from completely stealing my Identity? They already have their statements coming to me.
I opened a store credit card with Macys on or about XX/XX/2015. I purchased a shirt with the expectation to pay off the balance in full. However, sometime afterwards I ended up receiving a call that I was late on the payment. I had not received any reminder notices in the mail or via email and resulted in paying the small balance over the phone. However, it still has a negative impact on my credit report. If possible, I would like to resolve this issue. Please advise -thank you!
I received a debt collection letter from XXXX XXXX for the amount of {$1000.00}. I sent XXXX XXXX a debt validation letter certified by U.S. mail on XX/XX/2018. As of XX/XX/XXXX, I had yet to receive a response so I decided to give them a call. I told the representative that I am looking to purchase a home and I need all negative items removed from my report immediately. I also told her that the debt is not mine and has not been validated but I am willing to pay just to have it removed. She agreed to a pay for delete in the amount of {$400.00}. After I requested proof of what we agreed to, she put me on hold and came back to say that I would need to pay the full balance. I requested to speak to a supervisor and they demanded that I pay the full balance as well. I told the supervisor that they were trying to take advantage of my situation knowing that the debt was not mine but I desperately needed to have it removed to proceed with the homebuying process. Shortly after, I came across an article where this same company had been sued for shady collection practices. I believe they were trying to prey on me and reel me in as well. This is not fair to consumers like myself who are trying to go about clearing debt in the correct manner.
XX/XX/2018 Reference : Formal Complaint against Calvary Portfolio Services, LLC. 

On XX/XX/XXXX I received my Credit Report from XXXX, and in this report appears that the Calvary Portfolio Services, LLC. reported three debt collection accounts against me. 
These the following debt collection accounts that Calvary Portfolio reported against me, at XXXX of my XXXX Credit Report : 1- First Debt Collection Account : {$1200.00} 2. Second Debt Collection Account : {$1600.00} 3. Third Debt Collection Account : {$980.00} On XX/XX/2018 I sent a certified mail with service return to : CALVARY PORTFOLIO SERVICES , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NY XXXX, to dispute these debt collection accounts, but this company never sent me the copies of the information that I requested : The last statement of my last payment to the original creditors for all debt collections accounts. This important to determinate the Statue Limitations for these debt collections, also because I initiated these accounts some years ago in XXXX, Florida, and the Statue of Limitations in Florida is 5 years. 
Also, because a Law Firm XXXX XXXX XXXX sent me a letter to force me to pay a debt collection account of XXXX, XXXX, {$1200.00}. 
But, I called XXXX, XXXX, and they informed me that I don't have any pending account in their system, and I gave them twice my social security, but for this document they can't find any pending debt for my name and last name. The problem is that credit account is not mine. 
I request an investigation against this company, because they informed inaccurate information for the XXXX  company, and this information affects my credit activities and employment activities. I consider this action as defamation.
I fell on hard times and took out a small pay day loan to help with bills through Ace Cash Express. I unfortunately was not able to pay the loan off and have since been in the process for filing for bankruptcy. I have received numerous harassing phone calls in the past and at that time had my lawyer reach out to them on my behalf. I received a phone call today from a blocked phone number stating that I have a court date that I must attend for a lawsuit and to contact a mediator for further assistance. Upon doing that I spoke with a representative that informed that ACE is suing me for writing a bad check? She said that she talked down the price with Ace to half the cost with it being due immediately or they can try to garnish wages etc. I am not 100 % sure if this is a scare tactic as I feel uneasy just giving out my information.
On XX/XX/XXXX my car was broken into and my ssn card, DL, Debit card was stolen. Contacted police made a report with the XXXX Police XXXX # XXXX in TX. I called Chase bank to report my debit card being stolen. XX/XX/XXXX Received a call from Chase Bank in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX phone XXXX with XXXX XXXX. She stated if I am trying to make a deposit I stated no I am at home she said you are not tryting to deposit $ XXXX and make a $ XXXX withdraw I said " NO '' she made statement that someone is in drive thru trying to make deposit she alerted police. I told her not to process check. The criminal managed to flee the scene. I immediately called 1800 chase number to confirm the call was not also fraud they stated they were contacted to at this time they will make an investigation. I offered incident report with police on each call I have made after this day no one wanted to take it. I walked into chase bank institution the following day said what do I need to do. They advised to open new account while other will be investigated. In the course of the 90 days I had Chase bank do their own 3 attempts of misc withdraws from my new account to make old account positive. Which I was told the old account would be restricted. Several mistakes have been made if you look at the check my name is mispelled, no signature, I did not have $ XXXX funds in account to have that withdrawn. Chase bank has been negligent in allowing the check to process, seeing that I report a stolen debit card this did not alert them to process the check. Chase Bank has consistantly turned my new account negative for days then crediting it back. I have been in contact with Fraud department, recovery department, claims dept, research dept and customer service no one is able to assist me nor give me any information. They all state the its the other department resposible. I been left without answers without assistance and to this day my account stands negative. The instution has video footage and phone call recording yet they are still after 90 days are unable to make a resolution to the investigation. They closed my account after 90 days to make the negative account positive and instead of sending me to collections they tapped into my new account and will buy them an additional 90 days to find a resolution. While I stand here at a negative account as a single mother with XXXX children. All my utility bills are coming back stating my account has been declined. Monday is XXXX the bank will be closed I spent all day the bank today without able to get a temporary credit as they continue their investigation. This error also happened the day before XXXX holidays leaving me and my children on an American Holiday at negative account for days. The bank has been negligent with several errors and left me in the dark.
I recently applied for the US Bank XXXX XXXX Visa, which advertised a XXXX night free with any award stay while I had the card, in addition to paying a {$75.00} fee. I was recently notified that the benefit was being removed without an in-kind benefit being added. I spoke with customer service and was offered XXXX points, which was worth maybe {$12.00}. After indicating that this was unsatisfactory I filed a complaint last week. I was called regarding this, and the gentleman I spoke with said I could get either XXXX points ( ~ {$32.00} ), or cancel the account and get a refund of the annual fee. However, even refunding the annual fee does not account for the loss I have taken to my credit score in applying for this card, which includes both a hard credit pull and a lowering of my average account age, both of which can affect the interest rates I receive in the long-term. I was aware of this when I applied for the card, but at the time, it was worth it for the benefit of the XXXX night free. Refunding the annual fee therefore does not adequately reimburse me for all the financial cost I took on applying for the card.
I opened up a Capital One 360 account with the PLUS400 promotion code with the promise that if Ive made 2 direct deposits of {$250.00} or above in 60 days I would receive a bonus of {$400.00}. I changed my direct deposit to Capital One and have had several direct deposits that were over the {$250.00} minimum. I reached out to capital one several times about the bonus and was told that I would receive the bonus within 6-8 weeks of account open. On my last call to CO I was told I was n't eligible because I was not a " targeted '' customer. When applying for this account the criteria did NOT stipulate any such thing about being targeted. I followed the steps and requirements of this account and feel I should be awarded the promotional bonus.
We have attempted to refinance our home mortgage for 4 years. Disputes with Ocwen have led to major credit rating misrepresentations. We have not been successful in refinancing. 
Ocwen offers a loan modification program. As our only alternative, ( WE ARE TRAPPED ), we applied for a modification and it was approved. The modification reduced our monthly payments by approximately {$2500.00} to {$1600.00} per month. The agreement was signed on XX/XX/XXXX and a payment due of {$1600.00} by XX/XX/XXXX. 
The payment was sent by certified check on XX/XX/XXXX. We received XXXX 's & XXXX 's statements for {$1600.00} ( El ) ( E2 ). Using bank auto-pay, checks for the proper amount were direct wired to Ocwen for both months. 
By XX/XX/XXXX, Ocwen 's statement was in-correct and indicated we were behind in payment. Their statement is not correct. We have been current on every payment. In-accurate accounting and extreme lag time built into Ocwens communication systems has created 4 similar disputes over the last 10 years. This is the most current dispute. I am documenting the other 3 disputes for publication within 60 days.
I was contacted by a Debt Collection Company on a debt against me and my company. I asked several times for them to send me proof of Debt, Itemized debt ... I was then submitted a letter saying if I refused to comply within 48 hrs I would be subject of an investigation of my personal bank accounts and property. After speaking with this very rude individual by phone and email. I stated that I would need any further documents by mail only. He continued to email me several times and call my work phone throughout the day. I informed him that I was familiar with FDCA and he would need to contact me by mail, with proof of debt. he continued the harassing by phone and email.
On XX/XX/XXXX  I checked my credit report on  XX/XX/XXXX  and I had a total of   XXXX   collection accounts &   XXXX   hard inquiries removed from my report. I checked my account again on  XX/XX/XXXX  and I saw that all  XXXX  collection accounts &   XXXX    hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to Transunion but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from  my credit file after theyve confirmed and validated the accounts as false. Also since then, Transunion has added a recording that can be heard when calling their toll free numbers  (  XXXX  )  XXXX   &   (  XXXX  )  XXXX   explaining and admitting to technical issues taking place on the dates between XX/XX/XXXX  XX/XX/XXXX  &  XX/XX/XXXX   XX/XX/XXXX  that affect account and inquiries being removed and added back on.
XXXX XXXX XXXX Transunion XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that XXXX and Transunion are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from XXXX and Transunion and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.
I went to XXXX in XXXX of this year for few days and rented a car XXXX. Allegedly, XXXX billed my credit card few months alter for reason still unclear to me. Chase mailed me documentation XXXX which I ca n't read nor understand. I 've been working with Chase diligently to resolve this but apparently they are NOT listening nor seem to care. I 've left with a charge of {$640.00}. Please help in this XXXX scenario!!!
I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 
Now these creditors that were showing on my credit report they were removed but now they are trying to pursue for collections activities. These accounts were opened without my authorization and ALL COLLECTIONS ACCOUNTS must be removed immediately!
I purchased a vehicle from DriveTime XX/XX/XXXX, they reported to credit bureau for 3 months and now state my information had to be deleted because of a bankruptcy that discharged XX/XX/XXXX..three years prior to opening this account. They continue to tell me that the credit bureaus will not allow them to report because of my bankruptcy and this is discrimination and negatively impacts my credit worthiness for no reason as this should have had no impact. My loan agreement and rights support credit bureau reporting and I want my information reported correctly and for the discrimination of bankruptcy accounts to be rectified.
On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called TransUnion I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX  credit rating are still there but my rating was XXXX. Please help.