WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX XXXX collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than 3,600 dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over 1000 dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. Experian solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. Experian completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights.
i worked for a the XXXX and was under a contract for a term or 8 months where i worked XXXX, XXXX. On my final month out, i was routed back to my home XXXX in XXXX and was neither given a reason why nor a return day to work. i contacted my dispatch the following day and was given no return day. This took place in the last week of XXXX XXXX i applied and currently work locally in XXXX and was not contacted by the company until 2015 where i received a letter that they would like me to return to work for them. i do not wish to return to work for a company that decided to abandon its employee nor do i have the luxury to abandon my current post just to serve a couple days that i would have finished back then. they wrongfully and with no good reason sent me home and are now trying to charge with a ridiculous amount of money for training they never did. i served my time and made them plenty of money. i wish for them to remove whatever debt they claim i owe
I contacted Carrington Mortgage tonight and was trying to make a mortgage payment on my home. I fell on hard times with a XXXX XXXX 13 months ago, and have been running 3 months behind for around 6 months. They have never had a problem taking my payments but for some reason tonight was different, they would only accept 2 payments at this point and would not be able to apply the single payment. The person kept stating that if I want a supervisor to come on the line and tell me the same exact thing, they would be more than happy to do so. I discussed them taking my payments for the past 3 months and I kept getting the same answer. We ended the call in shock wondering how or when we could get the second payment tonight, because we were reminded that we would owe 3 payments starting XXXX. Being desperate I found and received the money though other means and put the money into my bank account. After returning home I made the call and and told the rep I wanted to make a payment, she rudely stated that " XXXX XXXX you will need to make 2 or more payments today on the account ''. I let her know I was aware of that and told her I have the money from both my checking accounts. I never knew it would be so painful to get the treatment I got from this person and the supervisor that I dealt with both times, they were refusing, due to policy, to take my payments from XXXX accounts. I became angry at the situation and asked for a XXXX, the rep stated " You want me to get a manager to tell you the same exact thing that I just told you? '' I stated I wanted to speak to a manager and not her, in a harsh tone. The supervisor that came on the phone was the same supervisor as before, she was sure to make this known, and proceeded to belittle me during the call stating they could not make 2 payments from separate accounts but she would make a " One time, get this one time and I do n't even know if I will get in trouble for taking these from you '' I could not believe that I was receiving treatment like this from a mortgage company. Please listen to both of the calls, I was informed that they are recorded calls. I was courteous through the whole call except when they would not except payment from XXXX accounts after I had just gone through the embarrassment of finding the second payment through other means. Yes I have fallen on hard time, what American has n't? I 'm still alive and trying to save my home and to be treated the way I was tonight is just wrong in anyone 's eyes. My spouse is in the mortgage servicing industry and would have been released from her duties if she had interacted with a customer as this company did. The reason they would not let us make a payment was the layers in their legal department told them they were doing things all wrong and they should n't be accepting payments as late as they have been. What type of company would rather foreclose than take a payment? Why are the representitives in this company as rude as they are? I do n't feel entitled, I 'm not a special case, and I 'm not looking for a handout. I just wanted to make a payment on my home.
Coinbase owes me money. I sold BTC and initiated a transfer to my XXXX XXXX bank account on XXXX XXXX, 2017. I still have n't received the money that they owe me. I 've filed several support tickets and I 've never gotten any actual help. I 've only gotten generic help desk messages sent to my email. All information and proof/screenshots can be found on my reddit post. 

XXXX XXXX XXXX
It has come to my attention that the company servicing my mortgage loan, Ocwen, has made a serious error and cancelled/liquidated my outstanding debt, incorrectly citing the loan status as delinquent. I have had this mortgage for over 10 years, and have made each and every monthly payment. When I called their customer care line, I was informed that the loan had been " charged off ''. When I inquired as to why, I was told they would have to " research it ''. I received a reply a few days later indicating it was charged off due to the " delinquent status of the loan ''. This reply, sent to me by XXXXXXXXXXXX, indicates to me that they never did any research, as the loan was not even close to being delinquent. The matter originally came to my attention on XXXX XXXX, 2016, when I logged on to make the only payment that was due, which was the monthly payment due XXXX XXXX, 2016. Furthermore, if there were additional terms buried in my contract that required I do more than just make the monthly payment on time each month to ensure my loan was not considered delinquent, Ocwen never contacted me to inform me of them. Prior to Ocwen charging off this loan, they made no attempt to even contact me to let me know they considered the loan to be delinquent. I made each monthly payment in accordance with the terms of my loan, and verified both the amount and due date on Ocwen 's website each time I made a payment. But again, for reasons unknown to me Ocwen suddenly considered it delinquent and cancelled/liquidated the outstanding debt without ever contacting me. Upon receiving the reply from Ocwen 's research department, I then contacted customer care to ensure they would not falsely report to the credit bureau 's that my loan was charged off " due to delinquent status '', and reaffirmed that the loan was not delinquent. I was told that they will report " whatever their records indicate ''. When I informed them that reporting false information is a violation of the FCRA, I was told there was nothing they could do. I should also note that the last payment they applied was on XXXX XXXX, 2016. This was the monthly payment that was due on XXXX XXXX, 2016. So as of XXXX XXXX 2016, my loan was fully up to date. The loan was subsequently declared delinquent and charged off before XXXX XXXX, 2016 ... less than 2 months later. I have attempted to follow up with XXXX ( email address referenced above ), but she has not responded. I fear that if this error is not corrected ASAP, they will report false information to the credit bureau 's that will severely impact my credit score in a negative way.
Bank of America is not letting me settle or payoff my account. They are not even giving me a payoff demand letter on my account even after multiple request. I am trying to do short sale and they are in the 2nd position and they holding up the whole process for short sale. 1st line is already approved for short sale but due to bank of America not issuing a payoff or short sale approval I am not being to close on the property.
On XXXX/XXXX/XXXX I received a call while at work from an unidentified person claiming a loan needed to be paid on that day otherwise there would be consequences beyond her control which I would be responsible for. 
While on my lunch break, I received a text stating that my roommate received a call stating that police officers were at our residence ready to arrest me for passing bad checks. I immediately called my bank and asked them to freeze the account, and also called the police department only to find out from the dispatcher that they needed the officers name and badge number in order to expedite the call. I took off from work so that I could get more information. I contacted my roommate and he stated he received a call that police were outside our house and when he called the number, he was given further details that I had passed bad checks and the police were going to arrest me. My roommate did not pretend to be me, yet he was given the information as if he were privileged to know my personal business. I received a call the next day by a person claiming to represent loanme and was also informed that she had contacted my son, my exhusband, my work, and my landlord in addition to my roommate, all of whose numbers were not released to them by me. I did n't even know my roommates number until the day before. She again threatened me that they needed an answer today otherwise they were calling the police back to my residence to arrest me. I repeatedly told her that I could not afford to pay and that I had n't even paid rent. She assured me that it was not personal, and she empathized but persisted that payment needed to be arranged otherwise I would go to jail for writing XXXX bad checks and based upon the information she had and her knowledge of the laws in the state of California that I would definitely be serving time unless I could afford a good lawyer, but I would still be in debted to the lawyers fees, court fees, and the debt as well as jail time, therefore rent would no longer be as important as securing my freedom. Under extreme duress I agreed to have the money taken out of my account, but after contemplation, if I do n't even have the money to pay, how does this free me from NOT defrauding them? Your representative 's solution appeared to bait me in to serving time in prison as well as getting into further debt
I WAS A VICITM OF IDENTITY THEFT AND THERE WAS AN ACCOUNT ON MY CREDIT FILE THAT WAS REMOVED XXXX XXXX IN XX/XX/XXXX. THENIT WAS REINSERTED BACK ON MY ACCOUNT WITHOUT A 5 AY NOTICE IN XX/XX/XXXX. THIS IS NOT MY ACCOUNT AND THEY HAVE NOT REMOVED IT OR VERIFIED THAT IT IS MINE. PLEASE HELPME GET IT REMOVED AGAIN XXXX
My ATM card was cancelled because a merchant I bought something from had their computer financial system compromised. US Bank would not tell me which merchant it was. That ATM was connected to auto-bill payments. I went to the bank branch and called the Bank on the phone repeatedly and asked which billers were connected to the ATM card and was told none were. Then I got a notice from XXXX XXXX that the payment authorization was declined. I called US Bank again and then finally got someone from online banking who gave me a list of companies with automatic reoccurring bill payments that were connected to the old card. Why did n't US Bank give me this information the first time I asked for it so I could take care of this problem and avoid getting late fees and possibly have my credit compromised? Why does n't US Bank have a system to transfer reoccurring payments from XXXX ATM card to the next when the old card gets compromised? Why do n't they tell us who is the merchant who is not protecting our financial information so that we can avoid using them again?
I contacted Equifax by computer and found that my identity information had probably been compromised. This was confirmed by my XXXX having several eroneous charges. I canceled my XXXX and froze the credit report sights. When I tried to contact Equifax for documentation of my Identity being compromised they directed me to a sight that was for enrollment. They would not even give me the phone number to contact equifax customer relations. This happened on XXXX XXXX,2017
I received a collections letter from Credit Collection Services on XXXX/XXXX/XXXX stating that I owed an overdue debt in the amount of {$210.00} for a XXXX XXXX account. I immediately disputed the debt in writing on XXXX/XXXX/XXXX. This item is on my credit report as a negative item and is preventing me from purchasing a house. I do not have any knowledge of this account, never received any prior documentation, nor have I ever had any services by XXXX XXXX.
We contacted CitiMortgage to get a payoff balance and to dispute late fees from XXXX XXXX Mortgage who was the original holder of our mortgage. We had a loan with XXXX XXXX Mortgage and the loan was purchased by CitiMortage. XXXX XXXX Mortgage no longer exists. We are disputing late fees charged by the XXXX XXXX for payments that they received before the XXXX of the month. We asked CitiMortgage for an itemizing of {$2600.00} in late fees ( XXXX from CitiMortgage and all others from XXXX XXXX Mortgage ) to show that we owed these fees to XXXX XXXX Mortgage. We received the documentation but did not understand how to read the report. We called and sent XXXX faxes to CitiMortgage asking for an explanation of the late fees. The company kept sending us an explanation of a temporary optional product payment. Finally after months of trying to receive an explanation, a supervisor, decided to listen to our complaint concerning the information we received from CitiMortgage. After explaining the reports and looking at the dates of the payments, the supervisor understood why we were disputing the late fee charges and submitted the documentation for someone to look because of the dispute of the payment dates. The company is now asking for our credit report for these years during the time the XXXX had the mortgage. The credit report will not prove anything because XXXX XXXX charged us for being late which its records bear out, therefore the company also reported the payments as being late on our credit report. The husband does not have the orginal documentation from XXXX XXXX but told the CITIMORTGAE that his payment booklet had a date for the amount due prior to the XXXX of the month and an amount due after the XXXX of the month. We owe possibly XXXX payments and have been at this process for over a year. My husband is retiring and we have been trying to pay off this debt but CitiMortgage keeps refusing to address the issue of our disputing the charges from the other company.
I reviewed my credit report and saw a company called Kay Jewelers reporting that I had an account with them and that I owed them money for something i knew nothing about. I immediately contacted the credit bureaus and informed them of the fraudulent account on my credit report. I also contacted the Federal Trade Commission and filed an identity theft complaint. The credit bureaus informed me that they sent the information to Kay Jewelers about the identity theft but Kay Jewelers continues to report this fraudulent account to the credit bureaus.
I have set up a payment plan and all was going along fine. Then XXXX XXXX XXXX started to call me non-stop on my cell phone, work phone, they have called my mother numerous times throughout the day, every day. Have found every extension at my place of employment and call all of them. I work at a XXXX  with many extensions and he has called and harassed employees on many of these extensions. Actually telling them to walk to my office and see if I am here. This is a very big XXXX. Also, when the Dean 's Assistant asked if this was a personal matter, XXXX was extremely rude to her. He told her he was going to call the Dean of the College. He calls 4-6 times every day. I think he believes if he humiliates me or embarrasses me, I will pay a bill, but instead, he is breaking the law and harassing innocent people that are not responsible for my debt. " Under the Fair Debt Collection Practices Act, collectors can not use abusive or obscene language, harass you with repeated calls, call before XXXX XXXX. or after XXXX XXXX., call you at work if youve asked them to stop, talk to a third party about your debt, etc. '' All of these items this company has done and failed to stop after repeatedly being asked to stop. My payment for {$54.00} a month was interrupted on their end, not mine and if they need my approval to activate this again, harassing me at work will cost me my job and they will get no payment from me because at that point, I will have no choice but to hire a bankruptcy attorney.
XXXX XXXX, XXXX XXXX XXXX XXXX . 
XXXX, Fl. XXXX This complaint is follow up on complaint # XXXX XXXX  XXXX XXXX I received a Notice to Foreclosure from the company XXXX sold my account ( Carrington Mortgage Services LL. XXXX XXXX XXXX, XXXX, IN XXXX demanding $ XXXXfor none payment of mortgage from XX/XX/XXXX- XX/XX/2018. I received a letter XX/XX/2018 stating my mortgage was sent to the carrington company and to make mortgage payment to them starting XX/XX/2018. XX/XX/2018 l sent a certified check in the amount of {$1100.00} to carrington company and the check was returned with a letter stating l owed them {$7000.00}. i CALLED THE COMPANY AND THEY STATED NO MORTGAGE PAYMENTS WERE PAIR TO XXXX from XX/XX/XXXX-XX/XX/2018. I explained to them that l paid the mortgage during that time in person to the regency XXXX, in XXXX, Fl. I have been trying to contact the mortgage dept of XXXX to know avail. The money seems to have been stolen from my account. I ask for a copy of my payment account and no one will help me.
This company is attempting to collect a debt for a fraudulent claim from XXXX. The buyer purchased an item, damaged the item, and then attempted to return for a full refund. 

The refund was not paid, and the debt is invalid. This collector has called and mailed letters after receiving a letter via certified mail that the debt is not valid, with a request to no longer contact.
I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from XXXX XXXX an Equifax, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much XXXX.
I was contacted in XXXX by Southwest Credit Systems for a debt owed to XXXX XXXX XXXX. I finished paying the debt in XXXX of XXXX, and as of today XXXX XXXX XXXX has not received the payment from the third-party debt collectors, and Southwest Credit Systems claims they sent the money to XXXX XXXX XXXX. Neither company can tell me where the money is.
On XX/XX/XXXX I made a purchase on my credit card on XX/XX/XXXX I made a payment. 
Then XXXX XXXX I made another payment for my XX/XX/XXXX Bill And then XX/XX/XXXX I made a payment for my XXXX th Bill. 

I was charged a {$27.00} late fee for my XX/XX/XXXX bill. 

Apparently I was told that my bill ended XX/XX/XXXX so the payment I made went to the XX/XX/XXXX bill I explained what happened and the representative could see and understand but unformed me she would not reverse my late fee. That it was my fault for paying at the beginning of the month and not a bank error. 

I made a payment XX/XX/XXXX and was charged a late fee XX/XX/XXXX
I am complaining about experian not fixing XXXX items on my credit report that are reporting incorrectly. I have submitted additional information that I received from XXXX bank who holds these XXXX cards ... .. ( XXXX and XXXX account ). The letter states to remove the deragtory remark and accounts should be listed in accounts that are in good standing. With this incorrect information on my accounts it is having a negative effect on my credit score which is affecting me in obtaining credit. They need to not just yes me and fix this issue.
I have tried to payoff a loan for over 60 days. I keep making payments and interest or principal keep showing up from nowhere and I cant get a straight answer. On XX/XX/XXXX interest outstanding was {$1.00}. I paid it and it should have closed out the account. However on XX/XX/XXXX when I went to check it, the interest outstanding changed to {$3.00}. I called the customer service and they said they would charge it off and close out the loan. Then on XX/XX/XXXX I checked the account and it no longer had interest due but now principal balance of {$1.00}. I called again and questioned how can this happen, I was told they have a glitch in their system but it will be taken care of. I glitch of over charging and creating a principal balance from nowhere fraud! On XX/XX/XXXX I got a supervisor on the phone that changed the loan to XXXX balance due was tolled it would be paid off shortly. However today XX/XX/XXXX I check the account and it has an unpaid balance of XXXX cents. If Navient is processing payments for hundreds of thousand of student who are not paying attention to their loan, they are making a killing fraudulently.
Previous complaint number CFPB XXXX. I complained about a technical support issue with my checking regarding adding nicknames to my account. This has been an ongoing issue since XXXX of this year when the bank went with a new online system. I received a letter from XXXX XXXX XXXX dated XX/XX/2018 stating they are still working on the issue and have no ETA on fixing it. I believe I gave it enough time ( 3 months ) and the problem still exists. What can be done to speed up the process to have this problem corrected?
I have contacted Nelnet several times the last time was in XXXX  regarding the legitimacy of a loan they say that I owe for educational services that they say was received at XXXX XXXX XXXX  College inXX/XX/2014 I did attend XXXX XXXX in XX/XX/2014 and began repaying the Loan through XXXX XXXX XXXX and are currently paying through them as of today and this loan was not sold. I requested for a promissory note to be sent to me or some information regarding the origination of this loan in excess of 30,000. Thus has been an ongoing issue and no one will help me figure out where this came from the only option I have is to keep applying for forbearance until I can get this resolved. This has been very stressful And has caused XXXX XXXX and XXXX. I just want this removed from my history immediately.