WillisBack/dataset-financial-user-claim huggingface dataset:
I called AFNI yesterday XXXX/XXXX/16 after receiving an unfamiliar bill in the mail several times. I tried to explain to the rep ( XXXX XXXX ) that I have disputed this debt before to no avail and sent in a letter requesting validity. I asked if I could speak with a supervisor as I would like this resolved, because I would like resolution and verification I owe it. She immediately became defensive and aggressive. First she stated, " All of the managers are in a meeting and I 'm the Senior Manager on the floor right now. '' I asked if I could call back and speak with the supervisor directly? XXXX stated " He 's gon na tell you the same thing I 'm telling you! '' This is where the conversation took a turn for the worse. I asked XXXX if I could have her supervisors name, so I could call back and speak with him. She aggressively said " XXXX! '' I asked if he had a last name ( XXXX is quite common ). She said " He can give it to you when he answers! '' Confusion set in. I could n't figure out why she became upset when I asked for her superior and I do n't understand why she treated me so aggressively. My intent was not to get her in trouble, but to get someone to verify this debt or at the very least point me in the right direction. I explained my plight to her again.When the call started ( check the recordings ) I told XXXX that this was an ongoing issue and I still have not received validity of debt. I told her I was frustrated and I made it a point to mention I was NOT taking my frustrations out on her. I let XXXX know I am interested in resolving this, and she did not try to assist me. I told her I would like this removed from my credit if there is no verification of debt. I even offered to just pay a settlement to have it deleted. I ca n't sleep at night!! XXXX screamed " We do n't do pay for deletes!! '' I asked for a supervisor again with the intent to get resolution and to get my point across because she became to aggressive to deal with and she kept over talking me. 

Reluctantly, she said I can talk to XXXX XXXX in the consumer relations department. I left her a message, but after my experience with AnitaI am scared to speak with another rep from this company. I do n't like being attacked when I clearly said I want to get to the bottom of this. Im certain this is a form of harassment according to the FDCPA. This bill is hindering me from progressing in life. Please remove this debt and all negative reporting from my report because I have NOT been furnished with validity of debt after numerous attempts Thanks in advance for what I hope is a timely resolution.
I was asked by XXXX bank to give my SSN, as part of the XXXX process for a credit card application for a Business. I communicated to XXXX bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at XXXX, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXX represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

XXXX despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least XXXX and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by XXXX and agencies are un aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' XXXX is reporting as PERSONAL. XXXX is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with XXXX  card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where XXXX was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising XXXX, I do not want to be called on my Cell, and I live in California XXXX continue to call me. This is unlawfull, as I have withdrawn all consent for XXXX to call me on a personal cell.
WE ENTER INTO LOAN MODIFICATION ON XXXX MORTAGE WITH BANK OF AMERICA IT WQS MADE XXXX ON XXXX WE HAVE NOT MISSED A PAYMENT. XXXX WEEKS LATER WE GOT A ANTHOER SET OF THE SAME PAPERWORK HAD DONE BEFORE IT WAS ACCEPTED, MIND WE DID THIS 4 TIMES BEFORE THAT DAY IT WAS MADE PERMANMENT. I CALLED MY CASEMANGER XXXX XXXX SHE SAID IT WAS A MISTAKE AND THE PROCESS WAS DONE SINCE THE BANK SIGNED OFF ON IT SHE SAID DO N'T DO ANYTHING I RECIEVED A FROM HER XXXX WITH THE SINCE IT WAS ACCEPTTED I NO LONGER HAVE A CASE MANGER. WE HAVE NOT MISSED A PAYMENT BANK OF AMERICA IS NOT CEDITING MY ACCOUNT OR REPORTING MY PAYMENTS TO CEDIT BUREAU MY CEDIT REPORT SAYS I 'M NOT PAYING AND BOA SAYS I HAVE TO GO THROUGH THE WHOLE PROCESS AGAIN. I MADE MY PAYMENTS EVERY FOR ALMOST 2 YEARS AND NONE OF IT HAS COME OFF THE BALANCE. I WHEN THE HOME OWNERSHIP PROFRAM XXXX AND XXXX XXXX XXXX TRIED FOR 1 HOUR TO SPEAK WITH SOMEBODY AT BOA AND GOT NOWHERE HIS PHONE NO. XXXX XXXX HE TOLD NE TO FILE THIS
I received a loan from fifth third bank to purchase a new vehicle. I called them in  XXXX    2017   and asked for a full payoff amount. I specifically asked how to accomplish that and was given a number. I went to their website, accessed my account and paid that amount in full. my account showed a  XXXX  balance. I was told by the representative for fifth third bank that my title would be maile d in 2-3 weeks. I did not r eceive the title and in fact, received an invoice for a full installment payment of  XXXX  dollars abo ut 6 week s after I had already paid the full balance. this was accompanied by a late payment notice from the bank! I called them and they admitted the invoice they sent me was fraudulent and instead they insisted I pay an interest / penalty amount of  XXXX ! I am going to sue them for fraud and breach of contract but I would also like this to be investigated. this is clearly a scam they are using to jam consumers for more interest payments and penalties when they go to pay off their loans. these scammers need to be stopped.
I have several accounts the equifax worker deleted that was active on my account so since they deleted it off my credit profile equifax blocking it from reporting i sent all letters from creditors to them stating that they are reporting to all XXXX bureaus and equifax still fail to add XXXX, XXXX XXXX XXXX, XXXX bank, i need help getting these items
I viewed my credit reports 60 days ago. There is a paid charge off account for {$7800.00} from a company called XXXX XXXX XXXX. I do n't remember having an account with a XXXX XXXX XXXX, and have not sent them a dime, let alone {$7800.00}. So I googled XXXX XXXX XXXX address, I sent them a certified letter letter on XX/XX/XXXX it was delivered XX/XX/XXXX. In the letter I requested copies of the original signed dated contract, with my signature, to show proof I have an account with them. I gave them 30 days from receipt of the letter to send the requested documentation. They have not sent me anything. I want this erroneous account removed from my credit report. What I read in the Fair Credit Reporting Act, the alleged creditor had 30 days to send the requested documents, if they ca n't or do n't, then this is considered an unverified account and must be deleted from my credit reports. It has been over 30 days and XXXX XXXX XXXX has not sent me any documents, as proof that they have the right to place this alleged account on my credit reports. Please make XXXX XXXX XXXX removed this erroneous account from my credit report. The account number listed is XXXX ....
I have asked Sallie Mae numerous times to stop harassing me. I have been threatended by several Sallie mae agents that i can face federal prison, I can be arrested at my place of work and that I can be sued in court. They have called the Senior Vice President of my Company, My sister-in-law, they have left voice messages on my direct supervisors phone and my home and cell phone. They have even sent fax messages to my office. I have developed severe anxiety and have told them that I am unable to make any payments of any kind to my loan. I 've provided my financial information and monthly budget to prove that I cant afford payments, yet somehow they think that I am still capable of paying loans with a monthly income of {$1600.00}. I have given them the break down of the cost of rent ( $ XXXXmonth ), insurance/medical costs ( $ XXXXmonth ), Utilities ( $ XXXXmonth ), Electricity ( $ XXXXmonth ), Winter heating ( $ XXXXmonth ) gas/transportation ( {$75.00} ), phone bill ( {$100.00} ). At the end of the month I have {$55.00} dollars left to pay for groceries, clothes, home toiletries, cleaning supplies, feminine products, and laundry. I do n't understand how they think I can make $ 300 monthly payments. They have disregarded my request for them to stop harassing me, my co-workers, my supervisor and family members. In the state of Vermont, I apparently make too much money to qualify for welfare, subsidized housing or food stamps. I feel like I 'm drowning in a hole. Most if not all of my student loans are in default which has plunged my credit score to XXXX. I ca n't afford to buy a car. These student loans have deeply affected my mental health, quality of life, self confidence and faith. At this point I do n't know who to talk to about this. I do n't even know if anyone is actually reading this paragraph but I feel helpless and unprotected. My biggest mistake in life was attending a university. I would have been better of going to a community college. Also, your drop down options only allow me to check XXXX box. I need to check off XXXX more.
Someone open or apply for a credit card from XXXX XXXX for {XXXX and it wasnt me that open the credit card so I bet someone is using my name and SSN I want them to close that account and investigated whos the account
In  XXXX   XXXX  I decided I wanted to Pay Off my mortgage loan. I started checking my Principal and Interest balance. I noticed t hat ShellPoint Mortgage Servicing ha d the wrong final payment date on my loan.They said the maturity date was  XX/XX/XXXX  By my Promissory Note the date was  XX/XX/XXXX . When I spoke to them they agreed to  XX/XX/XXXX . I then told them that the Principal and interest balance was off also. They told me I needed to put in writing a complaint which I did on  XXXX . I sent them a  Amortization Schedule w ith my loan imformation. They said they had 30 days to respond which they never did. Every time I would call and speak with someone they gave me the run around. As of today my Principal and Interest should be  XXXX  not  XXXX .   Loan started on  XX/XX/XXXX  first payment  XXXX .  XXXX  is my principal and Interest payment per month. loan was for  XXXX  at 15 years for 180 Payments with a fixed Interest rate of 7.9 % .When I asked them to send me a Amortization schedule they said they did n't have to.This loan has never been modified or any payments deferred The loan is current. I appreciate your assistance in this matter.
I have made several attempts to resolve this civilly. However, the incompetence and illegal activities of the company does n't resolve the issues. Multiple " senior '' representatives : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have each sent me cut/paste responses. I have reached out to some of them via email and phone with NO assistance. I never made a payment and want the IP address of the payment made online on XX/XX/XXXX. I thoroughly went through the transactions which are NOT mine. Again items were sent to an unknown LA residence. Synchrony is very aware that items ordered were never received nor ordered by me. Remove this illegitimate very inaccurate account immediately before legal recourse for violations of reporting inaccurate, fraudulent charges.
During a recent audit of my account, I discovered that my account had charges totaling {$1700.00}. However, Comerica/Direct Express says I have done {$2100.00} in charges. I have done the math, have the printout and request your intervention in this matter. I have already complained to them without result.
I paid in full XXXX and they were to report, per the attached email. They did not report the entire month of XXXX and they have reported every month prior to XXXX. And they finally reported on XXXX and did not show the paid account. They are ignoring my emails and phone calls. Even the local branch can not get a call or email about why they are not reporting the account with XXXX balance and paid in full date. I was turned down for credit because of this very account. It is the only negative that would keep me from obtaining credit. I want it removed in its entirety.
We have been paying these loans for 9 years and when you look at their information it is still at the amount we started out at 9 years ago. My father paid on these loans while he was still alive even when I was in school. I have paid for 9 years and it 's saying we have n't paid anything besides interest. We are getting hosed. They are never willing to work with us on anything. I have XXXX kids and a wife at home and work my XXXX off and ca n't afford these rates. I want someone to review this case as something shady is going on. I have seen several complaints like us and I believe something is not correctly being applied to my account. PLEASE HELP US! We ca n't afford any of this!
I have a vehicle loan that shows on my credit report from CarFinancewhich constantly reports me late and now show repossession. Also Myloan amount was for {$23000.00} and I have paid 20 payments at $ XXXX/mowhich is {$10000.00} and CarFinance is telling me that my balance is {$25000.00}. REALLY??? In addition, I have a letter from XXXX stating thatthey will remove the item from my credit but they are useless as well.
I have filed several reports with Experian concerning XXXX XXXX agency. I have also sent letters to XXXX. They have not properly validated the debt and each time that I filed a dispute with Experian. On XX/XX/XXXX I filed a dispute with Experian and they responded back two days later that the company said it was verified which was XX/XX/2018. I later called Experian and spoke with a representative and she said this is done by a computer. How are they investigating anything if it's done by a computer? On the XX/XX/XXXX I then filed another dispute regarding XXXX XXXX XXXX and how they did not respond to any of my letters in the 30 day FCRA and it came back verified with Experian again. They have not provided viable evidence bearing my signature or provided me copies of any documentation associated with this account, bearing my signature. Given that I believe they are acting in bad faith, and have not complied with the federal and state laws.
Transunion was sent new information based upon Section ( 609 ) of the Fair Credit Reporting Act. Transunion did not respond with proof of debt that was received from the creditor. As a result, Transunion 's response is unsatisfactory. Based upon Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). As we know the burden of proof is on Transunion to provide accurate proof of debt which has not been done. Thus said I am requesting that Transunion provide the original proof that was sent to prove this debt is mine. I am requesting documentation of contracts and original signature. If this can not be furnished I am requesting that the in question debts be removed from my credit report effective immediately. 


Transunion has also been asked to investigate multiple inquiries on my credit report which has not been done as well this has been requested more than two months ago.
XXXX, XXXXunpaid,XX/XX/2017, suspected fraud activity, my identity was stolen by someone i do not know and they created this accounts. 
reported the issue online to the social security department also filed an identity theft report online.
I have refinanced my home mortgage with Bank of America in XXXX XXXX. The total loan amount was {$220000.00}. Since we did not meet the minimum 20 % requirement, there was a PMI added to the mortage. I made extra payments in order to reduce my principal balance to meet the requirements to terminate the PMI sooner. As of XXXX of XXXX my principal balance was {$170000.00} which is less than 78 % of the original value. As of XXXX XXXX my principal balance is {$160000.00}. I have contacted Bank of America to inquire as to why the PMI was not automatically terminated. In response Bank of America has denied to terminate my PMI and is asking me get a appraisal done again regardless of what my current balance is as compared to the original value at the time of refinance.
Purchased home in XX/XX/XXXX. Was paid for through XXXX XXXX, paid XXXX for the house, paid XXXX down as the down pmt. XXXX XXXX XXXX sold loan to XXXX XXXX in XX/XX/XXXX. Then it went through XXXX XXXX XXXX onto XXXX XXXX, then to XXXX XXXX XXXX, Somehow XXXX XXXX XXXX hijacked our mortgage acct making up false accts - they stole people 's loans somehow. My identity had been stolen and XXXX XXXX was the one that told me about that in a letter from him when he was the Attorney General in XXXX. We have contacted the following to try to get help in our matter ; XXXX XXXX, XXXX XXXX, XXXX XXXX, Secret Service, FBI, U.S. Marshalls, U.S. Attorney XXXX. To no avail, we have tried to get help. We found after pulling XXXX XXXX XXXX 's credit report, it showed that the home was supposed to be paid for in XX/XX/XXXX through XXXX XXXX XXXX in the amt of XXXX. So why were we still paying on the home when it was supposed to be pd off in XX/XX/XXXX? All we financed in XX/XX/XXXX was {$18000.00}. We paid {$660.00} per mo for 72 months this was paid to XXXX XXXX XXXX. Then XXXX XXXX XXXX somehow got hold of our already pd for home and stole the loan and stole our escrow amt of XXXX, also charged us flood insurance when we do not live in a flood zone. Since then, in XX/XX/XXXX, we have been browbeaten, harassed by this SPS, threatened to have foreclosure done, We stopped paying in XX/XX/XXXX. We sent in a check for {$660.00} as usual, found out that our check had been stolen through the SPS and never applied to our acct. We had THREE different acct numbers with them. We were told it was a fraudulent company. This company, SPS has harassed me, XXXX XXXX so bad that when I went to the dr , my XXXX XXXX was through the roof, had to go on XXXX XXXX, along with XXXX XXXX too. Please look up XXXX and look up XXXX XXXX XXXX. You will find thousands of complaints.
On XXXX I received a called from a company called XXXX XXXX and the number popped up a several XXXX United stated they left me a voicemail saying that if I dont pay my debt I will be given papers to show up to court in the next two days. Then 10 minutes later my mother received the same voicemail for me so I call them back immediately. 

I called them and they said I owed Wells Fargo XXXX and if I went to court I could pay up to XXXX in their legal fees unless I settled it on the phone with them with 6 payments of {$160.00}. I made an initial payment of {$160.00} and was suppose to receive and email that I needed to sign that should have contained their information but I didnt so I didnt sign. When I called back asked for their address website anything to check their validity he offered to refund my money and wished me the best of luck and hung up the phone. I received receipts from a company called XXXX XXXX XXXX for the initial payment/payment contract for 6 months and the refund. I asked for their website and he said XXXX and it didnt work. I called back later just asking questions pertaining to them and he said all they had was XXXX. XXXX and their website was XXXX but both sites didnt work. The number I called them from was XXXX and he said his personal number was XXXX his name was XXXX XXXX.
On XXXX/XXXX/XXXX I found out via an alert on my credit that Bank of America Credit Card Division ran a hard credit inquiry without my permission. On XXXX/XXXX/XXXX I contacted Bank of America to dispute the denial of a double post credit card claim in the amount of {$62.00} charged on my card along with a charge of XXXX Reward Points that I initiated on XXXX/XXXX/XXXX. I did n't receive the denial letter until XXXX/XXXX/XXXX. I could not believe the treatment I was receiving over a {$62.00} claim, since I have been a long-time customer and never filed a claim before. After rude and round about conversations with several representatives, I told them to close the card. After consultation with my financial advisor, I was advised to call Bank of America back to reopen the card. All of this took place within 30 minutes. So, in less than an hour I contacted Bank of America and requested to reopen my card. The representative asked if I still had the card in my possession and I responded yes. I also told her that I had just called within the last 30 minutes and had the card closed myself. She never told me that my credit would have to be run and she never asked for permission to run my credit. I did n't think my credit had to be run since I had been a customer of Bank of America since XXXX current credit score of XXXX with no discrepancies and it was less than an hour the account had been closed. Surprisingly, I received a letter dated XXXX/XXXX/XXXX that my request to reopen my credit card account was denied for serious delinquency and length of time accounts have been established. This confused me even more because I have been a customer of Bank of America for almost 10 years and never paid late. I have lived in my home almost six years and never paid late. I 've had a XXXX XXXX account on my credit established since XXXX and never paid late. The only delinquency on my credit report is a student loan account, which has been in good standing since XXXX. I really feel all this is retaliation regarding the negligent handling of my credit card dispute. I was never given provisional credit during the claim process after I was told I would not be charged interest during the process. I was charged. I was never credited back my XXXX Rewards Points or {$62.00} I used to pay for the transaction. This whole process has affected my credit tremendously. I was at the credit union shortly afterwards and learned that my credit score was lower than expected. I contacted Bank of America regarding them running my credit without my permission and the representative told me, " Bank of America will change the hard inquiry to a soft inquiry. '' This is not acceptable. My credit report should have never been accessed. Then I asked her about the reasons given regarding the reopening of my account. She told me, " instead of closing my accounts out I should pay them off and leave them open. '' Also the reason for denying the reopening of my credit card is not sufficient. Please help me get to the bottom of all this and get my credit back to where it should be.