WillisBack/dataset-financial-user-claim huggingface dataset:
Well I first noticed a problem in 2005 with XXXX credit card bills that were not mine than another card had been issued unaware of what I was beeing asked to pay I began to repeatedly call them about bills told the to turn off the card or cards. Sent them mail. I then received notification of a car and a mortgage. I live at home watching my mother who was in hospice and ill military widow until her recent death. I also just received notification that someone tried to do my taxes from the IRS. I also looked at a judgement page were I am receiving JUDGEMENTS NOT RECEIVING ANY PAPER WORK. My name in different ages etc. It is effecting my job applications and rental applications. I tried to get a copy of my own credit report and new none of the answers because the info is not mine or to my knowledge at all. I will change my name soc what ever I have to do. Thanks for your help. Sincerely XXXX XXXX.
Took XXXX 6 months to give me credit for items that were returned to the company, I called the credit department onXX/XX/XXXX and was told by XXXX  and XXXX in the customer service department I would receive a credit of {$65.00} on that date. I was moving into my new home and did not have internet access and made a telephone payment on my account with XXXX  automatic Teller service in the amount of {$60.00} taken from my chase bank account and was never given credit for that payment. I have never missed a payment with XXXX. OnXX/XX/XXXX I made a payment of {$1700.00} because my total balance owed on the card was {$1700.00} in total purchases, I have not charge on my card.On XX/XX/XXXX I made another payment of {$50.00} on XXXX website, on XX/XX/XXXX I made another payment of {$250.00} which at this time a balance was showing of XXXX. I was sent a bill for XX/XX/XXXX in the amount of XXXX, not given credit in the amount of {$250.00}. I call the customer service department and customer service would hang up the phone before answering my calls. I call XXXX XXXX who manage the XXXX  card and XXXX at the bank said she does not know about the easy pays and I need to talk to XXXX about payments. I do not see a credit for my easy pays in the amount of {$1700.00} and {$250.00} and {$50.00} payments.
Chase sold my loan to a terrible servicer called XXXX, who has a XXXX with the XXXX. I do not approve of lenders being able to sell our loans without our consent. Congress needs to pass regulations that give the consumer more control and with all that has happened with the bail outs, etc., there should be more advantages for the consumer. I do not approve of moving to a half rate company who has XXXX positive review on the XXXX site, not to mention all the other sites that have hundreds and hundreds of complaints about the operations. It is time for a banking revolution in this country and the people need to wake up and kick these folks out who ca n't do good business. We should be able to penalize banks who do these things and take control of the systems we have allowed to be created under our names.
Since my Citi AAdvantage account was open, it was set up on auto pay. I would always make the payment before the auto pay was scheduled which then would override the auto pay. Auto pay was set up as a safety valve. On the XX/XX/XXXX statement the due date was XX/XX/XXXX. When I logged into my account on XX/XX/XXXX to confirm the payment was through, I noticed it did not. So I manually made the payment. I then called Citi Bank to find out why the auto pay did not take place and they told me it was removed. I explained I am the only user of this card and I did not removed auto pay. The rep did n't care, what I was telling them. I also stated the late fee of {$27.00} should be removed because of a defect in their system. The call was then transferred to another rep and they were suppose to have a manager call me back, which never happened. This is a unfair practiced. Being a loyal and long time customer means nothing to them.
I received another statement from Paypal yesterday, XX/XX/XXXX claiming that I now owe them {$33.00} from a previously paid {$26.00} which was recently paid this past XXXX! In a recent call to them, they claimed that all I owed was {$26.00} and that this was the end of making payments after that. Looks like they lied to me again because of this latest scam! I am fed up with these people and their games!
Despite numerous repeated attempts to correct over 20 different reported incorrect address information including asking verification from their third-party source, the credit reporting agencies are still continuing to report addresses for which I never lived or have not lived in over 20 years. As a result, I have been frequently denied access to my credit file and/or denied for credit because I have been unable to verify my identity " as it is being reported to them.
XXXX XXXX and XXXX have violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
A collection agency contacted me regarding a XXXX balance. I settled for a small amount to clear the debt. It is still showing on my credit.
Both my wife and I and all are credit information, SS #, address, emails, etc were hacked due to Equifax 's poor security. They waited a month and a half to come forward. Their executives also sold stock and gained financial profit do to insider trading before the companies stock crashed when the breach was exsposed.
I fell behind on my mortgage payments due to a permanent loss of income & waiting on a hearing date from XXXX with multiple times of applying or modifications and was denied because of income after 2 1/2 years waiting my disabilty was approved and recieved some back pay.Flagstar Bank had called as usual that week from loss midigation dept and I told them I recieved my back pay and would like to catch my arrearages up at that time they placed me on hold and came back with a total of {$14000.00} and had to be recieved by XXXX/XXXX/XXXX once recieved they would contact attorneys to stop foreclosure proceedings I wired money on XXXX/XXXX/XXXX proceeded to call back as to why money was not posted to my loan this went on as of today XXXX/XXXX/XXXX then I got a call saying I needed to pay {$300.00} before other amount could post. I had emailed to my contact person XXXX XXXX on XXXX/XXXX/XXXX a copy of wired funds no one called and said I owd anymore till XXXX/XXXX/XXXX almost 30 days from the time they recieved my wired funds and the 15 times I called to see why my funds where not posted and no one called attorneys to cancel foreclose proceeding so during that almost 30 days I was scheduled a court date of XXXX/XXXX/XXXX to proceed with foreclosure .This is why I am so upset with the way I have been treated by Flagstar and the uncooperation they have given me and my situation and not willing or trying to find a resolution for my issue I want to keep my home and I have said that from day one what has happened to be is beyond my control but with a little help and compassion the is a resolution that could be established with help from Flagstar.I was aways paid on time until my accident and funds were depleated then they did not care I was just a loan number a property address that they where trying to collect my past payment history should make a difference I was a good paying customer now they draw a blank face to me ... something is wrong with this picture ... ...
I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.
I have been a client for Bank of America for o ver four yea rs I have never been late on my payments. I have always paid before time and sometimes I pay more then what 's the statement show.     On the month of  XXXX    XXXX   they allowed my credit line to be over  XXXX  without my permission or prior authorization.     But nevertheless the bill was {$930.00} and I paid {$950.00}. When I pay my bill it was on  XXXX   XXXX  because the last transaction that I used was on  XXXX   XXXX . And the total transactions at the closing date of the  six wa s {$930.00} They did an adjustment to the credit for {$39.00} and they call that annual fee that was built on  XXXX    XXXX  . But I did notsee that on my online statement when I paid the bill.     I called Bank of America a representative was very cooperative and they assured me that it will be taken care of and they will take it out my credit report. Call was made on  XXXX   XXXX    XXXX   I received a letter on  XXXX   XXXX  stating that the 30 days was valid and they can not change it. After I was being assured that it will be handled and taken out of my record.     Thanks
To whom it may concern : I'm writing in to state that the XXXX XXXX XXXX XXXX I was never authorize my signature to sign I was in a XXXX XXXX XXXX marriage.I have tried to contact the Apt . but their Management Personnel has change and they could not give me any info. can you please help me with this. 
I never gave authorization to have this XXXX bill I was divorced and I had to leave with a XXXX situation the apartments knew exactly what was going on can you please have them check and resolve this for me. 
I've been writing in for years pleading with them and they Under New Management so they have no record of what's going on this should not be on my credit can someone please help me and resolve this thank you. 

Here Is My Ex Husband Info that i have XXXX XXXX his name was on the lease. 

Please my information disclosed my information of my whereabouts to my ex-husband I was in a XXXX XXXX XXXX relationship and I'm XXXX XXXX XXXX XXXX I just don't want nothing tied with this man at all but I will give you the information to try to track him down so you guys can get what you need from him but please do not include my information or disclose any information where I live to this person. 

You Can Contact me At : XXXX XXXX  XXXX XXXX
I initiated a dispute with Experian last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

Experian has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **
A collection agency located out of XXXX, XXXX, for XXXX XXXX, who refuses to send me documentation on a debt that I do n't owe, or any authorization showing that I enlisted services of this debt that they purchased. I live in XXXX and not in XXXX and I own a XXXX and not a XXXX. The continually call my phone even though I have asked for their exact address in XXXX and they refuse to give it to me. I trie to leave a message for XXXX XXXX ( their supervisor ) yet he refuses to give me their address so I can send a cease and desist letter. They have hung up on me several times when I specifically ask for their address and when I inform them I do n't owe this debt.
On XX/XX/18 I was looking for new auto and renters insurance online. I found auto insurance for {$800.00} on XXXX  online. I purchased it but when the purchase went through it was {$1200.00}. I called them right away ( in less than 5 minutes ) and cancelled the insurance. I also told them that it was a horrible way to treat the public. The renters insurance was going to be in a bundle, but the insurance never went through and till this day I am getting emails to finish my purchase. The insurance agent could not even find it in the system. I told XXXX to make sure my card wont be charged. XXXX said they wont charge my card. 
XXXX charged my card the same day for {$360.00} for auto and {$44.00} for renters insurance. XXXX  does not refund my card and Wells Fargo allows XXXX to charge my credit card without my permission. I talked to Wells Fargo 3 times and exchanged emails with them. They said that it takes time to revise the charges. It has been over 1 MONTH ago, and the charges are still on my card and now Wells Fargo wants payments. 
The XXXX XXXX fine Wells Fargo got a month ago was not enough for the bank because they still defraud customers! I called Wells Fargo the same day and explained them what happened. They still let the charge to go through.
SUMMARY : 1 ) XXXX XXXX XXXX XXXX continues to ignore and report accurate reporting on my credit files at XXXX, XXXX and Tranunion. Over 45 days have passed since they have received the insurance check and the balance was mostly paid off. 

2 ) XXXX XXXX XXXX XXXX XXXX to acknowledge there was a payment arrangement made in XX/XX/XXXX causing them to refuse to acknowledge this information to a gap lender, who said they reopen the investigation from the crash and potentially pay off the gap or {$900.00} and some dollars needed. 

CAUSES : 1 ) in early XX/XX/XXXX, a payment arrangement was made with XXXX to catch up the missed payments 2 ) on XX/XX/XXXX, the vehicle was in an accident and was totalled 3 ) XX/XX/XXXX, XXXX XXXX pays XXXX over {$16000.00} towards the {$17000.00} balance. 
4 ) In later XX/XX/XXXX, the Gap insurance company closes the file with no payment a ) I called to argue with them and was told I could get a partial refund on the premiums b ) I was informed they closed the case because XXXX informed them there was no arrangements made on the late payments. ( AUDIO RECORDINGS EXIST. I was also informed that if XXXX  would acknowledge to the GAP insurance company that an arrangement was made, they would reopen the file and potentially pay the " GAP '' 5 ) XXXX  total loss department was called again and XXXX argued that no such arrangement was made and he refused to look into it. 
6 ) XXXX total loss department call involves XXXX. She acknowledge that a call was placed in early XX/XX/XXXX with the collections department, but couldn't confirm what the conversation was about. 
7 ) XXXX more conversations were held with XXXX about the Credit reflecting that the balance reporting still shows $ XXXX+. I demanded to have XXXX  properly update the information on several occasions 8 ) More calls were placed to other department to XXXX XXXX XXXX XXXX about them inaccurately reporting on my credit files. Was told there was nothing they could do about it. 
9 ) XX/XX/XXXX, the credit files are still in violation of US code 15, 1681 and are being inaccurately reported, despite the fact XXXX received payment for the vehicle. 

Considering that XXXX XXXX has a history of lying, steeling and cheating people out of money, I wouldn't put it past them to treat my circumstance no differently ; whereas, they practice an operation that has shown to be illegal. I guess they think they are exempt from following the rules and the LAW. 

I want them to confirm with the GAP insurance company that an arrangement was made so that the balance can be paid in full, as well as to get their butts moving and fix my credit report immediately! ( 45 days have past and they still haven't followed the letter of the law ). 


CONTACT : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX
XXXX Called me today claiming I owed a debt from 2007 from of all places as a pay day loan. I do not owe that debt and have never used those services. Total lies. Do not even pick up the phone if they call you.
They trying to change the term of the loan agreement I have pay my insurance and my taxes separated and they forced me to get the insurance together with the mortgage I been having making payment on time I have receipt and they send me a letter telling me that I am behind  XXXX  and if I do n't pay in 30 day they will trying to do forcloure and I call them and know they said it 's a mistake that they will let me know later how much I owed them I want them to stop forcing me to have the insurance and mortgage together and explain to me in details all my payments we never received details of my payment
Hello, I was looking at my credit report recently with XXXX XXXX and XXXX I see for some reason i have a delinquency on my XXXX report and i have no open accounts at all with any late payments or misuse of utilization. Also I did not apply for anything with XXXX  XXXX XX/XX/2017 on my XXXX report. XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit report for any reason. They ran my credit that day twice one under their car dealership name and one under XXXX on my XXXX XXXX. furthermore I also did not apply to XXXX  XXXX and I have been receiving phone calls saying i owe them money but did not get any loans from them I only have a hard inquiry for some reason and it does not show up on my accounts in any of the credit bureaus so that is fraud. Please remove these hard inquiries from my report and have that fraud delinquency removed as well thank you.
In XXXX of XXXX, I experienced a mXXXX XXXX XXXX and lost a great deal of our family income. I contacted my mortgage provider to see if they could offer assistance. They shown do interest of assisting me in any way until I contacted HUD, who referred me to an authoring counselor who contacted my mortgage provider. I was then contacted by my mortgage provider on XX/XX/XXXX to complete a loan modification application. For 3 months I called to check the status of my application, but was always told that the underwriter was working on it. On XX/XX/XXXX, I received a letter in the mail stating my application was denied. The letter didn't clearly explain why, so I called but unable to reach my Loan Preservation Specialist. I then filed an appeal, citing the lack of due diligence given to my application and the fact that I have only been in contact with my Loan Preservation Specialist once in 4 months. I only provided proof of additional family, which included my wife 's income and XXXX benefit income from my XXXX son that we care for. After call daily to speak with a representative, I received another mailed letter on XX/XX/XXXX denying my appeal. I then went to my local branch of mortgage company and spoke with some that I enter ask with often. After explaining my situation, I was told off the record that since I have a large amount of equity in my house, the bank would make more money off my house if they foreclosed. I have been in my home for 10 years and don't want to loss it. I XXXX for a XXXX XXXX year old that would be place in a grave position. I have the income to resume my mortgage payment, I just needs a way to regroup the arearage.
I have made several attempts to get Experian to provide me with the method of verification on two accounts listed on my credit file. Each time I submit the request, Experian starts another dispute investigation and avoids the request. My most recent communication from them was to contact the data furnisher directly to resolve this matter. I have done so and this data furnisher has failed to provide me with the documentation requested. Due to their failure to supply the data requested and Experian refusal to provide proof of the method of verification, the accounts for XXXX XXXX, Account Numbers XXXX XXXX and XXXX need to be removed from my credit file immediately.
In XX/XX/XXXX I was granted a forbearance from XX/XX/XXXX until XX/XX/XXXX. ( I have copy of agreement ). On XX/XX/XXXX I made my XXXX payment. On XX/XX/XXXX a letter from the bank stating they were returning the mortgage payment. During this time I had been working out some kind of payment arrangement. Our ng this to me no one could give me an exact amount I owed. First National Bank stated I owed {$1900.00} on XX/XX/XXXX, {$1900.00} on XX/XX/XXXX, XX/XX/XXXX {$2200.00}, XX/XX/XXXX {$2800.00}, XX/XX/XXXX, {$2300.00}, XX/XX/XXXX {$3800.00} and {$2300.00} and XX/XX/XXXX {$2600.00}. Each time I emailed or called XXXX. I could not get a straight answer. 
The above is only a few of the different amounts the bank said I owed. 
I have hard copies of everything I listed here and more
Tried to apply for a bank account with chase and was turned down because of an old paid balance of 50 something dollars find this action has affected my personal well being and want this issue resolved and an account open not just an access account but a regular checking account which i am entitled to.
Provided company with police report dated back in 2016. Also made credit bureaus aware of the fraudulent account yet it still appears on my XXXX credit file
I 'm in School. I 've reported that i 'm a student at XXXX. XXXX reports to the XXXX. Navient is still charging me interest. Please correct them on this.
In XXXX XXXX XXXX XXXX contacted me via phone'Unknown '' solicitating what they where going to do unless or unless i take its consilidation agreement. A down payment was paid and the payments made. They are reporting i owe them money after they consolidated with me. I need their false info removed from my credit report disturbing mt rank and credit factors in case law of the IRS XXXX todate. I kept my agreement and i take its co-fact of input as its initial sales rep threats of court action or consolidate.