WillisBack/dataset-financial-user-claim huggingface dataset:
I am the step-mother of the " so-called '' debtor. They are claiming my son took out an online payday loan and used a Citibank check as collateral. My son has never had a bank account with Citibank nor has he done an online payday loan. They call my personal cell phone number to get to him. They also call him. We have asked for original documentation of said loan and they will not provide it. 

I was told me she was going to call me everyday until my son settled this loan that he did not take. They have his address listed as somewhere he has never lived. The middle initial is wrong and the year of birth is wrong, but they will not listen to us when we point these things out.
I attended the XXXX in XXXX XXXX Indiana from XX/XX/XXXX until XX/XX/XXXX. 

I recently filed a complaint against XXXX for false information that was given to me on my loan. Since then I was contacted by a woman who neglected to give me her last name from Chase. Her name is XXXX and the number that she has given me is ( XXXX ) XXXX ext : XXXX. 

While speaking to XXXX a week ago today, I was informed that Chase would be honoring my prior request for a refund and I needed to send proof of payment to her email at XXXXXXXXXXXX. I did this and was informed that she would be sending the XXXX dollar refund to my account. 

A XXXX later, there is still no refund. I have attempted to contact XXXX XXXX times in the past week to ask when this would be deposited, and her phone continues to ring with no answer. I have also sent XXXX emails to the address above looking for information. I next contacted XXXX who explained that they have heard nothing about a refund. 

I am completely fine with XXXX servicing my loans, however how is the borrower supposed to find any information when the XXXX companies do not work together to inform their customer? 

I wish to withhold all payments to XXXX until i receive my refund, however I know that I will then just be in a delinquency situation which will be my fault in the end. 

Can anyone tell me what is going on?
On XXXX XXXX, I sent in a complaint against my servicer, Ocwen Loan Servicing , LLC ( Ocwen ). I received an email from you with a Case number : XXXX. I have been unable to log into my account and requested the password but have not received the last email, so I am filing a new one. Ocwen has still been giving my the run around. I have spoken to several people including XXXX XXXX | Consumer Account Analyst | Office of the Consumer Ombudsman. I have been promised information along with an updated escrow analyst, but have not received. I am worried they are going to place the forced place coverage back on my account at a much higher rate then the homeowner 's insurance that I had before Ocwen decided not to pay and it got cancel in no fault of my own. My mortgage payment has increase two times since I submitted my complaint ( which I have paid in order to keep my mortgage current ). This is causing a financial burden on me and it has still not been resolved. The only thing I am getting is empty promises and and letters from Ocwen stating they are reviewing my account. This has been going on since XXXX 2015. I am so frustrated that I do n't know what to do at this point. What are my opinions? How can I get this resolved once in for all? PLEASE HELP ME.
Bayview loan servicing took over my mortgage i had with XXXX since XXXX. It has been nothing but misery since they took over. I was behind 4 payments but I have paid all of them and I have my bank statement to prove bayview took the money out of my checking account. They are saying i am {$3700.00} past due, my recent payment they told me to pay to get my loan current was {$1700.00} and I paid this on XX/XX/XXXX. Bayview is saying none of the payments have been paid even though I talked to them over the phone. And I don't appreciate them charging me to ( inspect ) my for {$11.00}. They left two notes on my door telling me to contact them after I made the first two payments. Which they are lying just to come to my home. I don't appreciate them saying I haven't made any payments when my checking account will show they took out all the payments that they required for me to get the loan current. They are not going to foreclose on my own by being deceitful and dishonest about not applying my payments to my mortgage account. The employees at bayview are very rude and unprofessional well this is how people who are trying to steal from you act like. From all the complaints I read about them on their better business bureau record. Bayview isn't going to get away with being deceitful trying to take away from my home. And they are falsely reporting on my credit files that I am 60-89 days past due and my last payment was back on XX/XX/XXXX. A bayview employee got an attitude with me when i told them i made the payments. Yes i am very angry and I have a right to be angry with bayview trying to steal from me and being down right deceitful. And sending someone to my home twice after I have paid payments and lying saying they have been trying to reach me even though I have talked with them.
For 12 years I have been struggling to repay my loans. I have had multiple forbearances and deferrals. Whenever I did contact navient about my struggles that was their suggestion. I have for the past several years contacted them multiple times to figure out how to lower my payments, repay faster and consolidate my loans so I wasn't paying 4 different interest rates for the next 30 years. I have never been able to get help. They contact me when my payment falls behind and tell me they can help and then when I agree they tell me they can't help. I still have 20 years left on my loan, I have barely made a dent in the repayment and I just want to get a normal repayment plan for a few years and be done with them. I have to take to 2 separate sections of the company to deal with my private loan and federal loan. Every time I call I get transferred multiple times and become so frustrated, half the time I don't understand what they are telling me. I spend long periods of time on the phone with them trying to understand how my payments work, I confirm my understanding of what my payments will be and then the best time I talk to someone I find out my understanding was incorrect. This company is horrific to work with. I was XXXX years old when I got these loans not really understanding what I was doing and at XXXX years old I still have 15-20 years before I can pay these loans. It's unrealistic for any person trying to manage a family to pay student loans for 20 years. My original loan was approximately {$20000.00} and I still owe {$16000.00} after 12 years. Please help.
I was one of the users affected in the security breach by Equifax. My personal information such as name, credit card, SSN, etc, was stolen. The only protection I was offered was a 90 day alert on my account. This breach will affect me for the rest of my life.
On XX/XX/23, I opened an account with XXXX, placed an order and paid for that order with an XXXX XXXX XXXX. The order was cancelled by XXXX and all monies were returned to the credit card issuer with the exception of {$52.00}. I was not aware of this as I never received a bill, as such a 30 day late was attached to my credit report.
On XXXX XXXX contacted Wells Fargo Bank by phone to transfer funds from my checking account into a savings account. I was told that I could do this by phone and was transferred to an employee named XXXX in Minnesota. He read multiple disclosures and then set up the savings account. I asked the agent to link the new savings account to my existing debit card. The agent said he could but that he would have to send a new card with a chip. He confirmed that the new card would have the same number as the old card and that my card would remain active until I activated the new one. The card would be sent via mail. 
After a day of shopping and using my current debit card on XXXX XXXX I attempted to use my debit card at am ATM only to be declined. I called Wells Fargo Bank only to be further humiliated when I found out that I could no longer use my old debit card and have no access to any of my funds via my debit card until I receive the new one in the mail. Per my email from Wells Fargo the card was mailed XXXX XXXX and I should receive it in 5-7 business days. Until that time I have no access to any of my funds. Because of Wells Fargo 's inconvenient business hours, I can not utilize branches and rely on debit purchases and ATMS for cash. 

Here 's where I am now. I have no way to purchase groceries, no way to purchase gasoline for my car to go to work and {$4.00} in cash. Wells Fargo is holding my money hostage. I believe they have damaged me and that I deserve compensation. I would appreciate your assistance in this matter.
I am writing to your agency in hopes you can help me to dispute some charges made on my XXXX. I got contacted by XXXX by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4500.00} was on my AARP visa card. XXXX promised me for services that were never rendered. I started with them on XXXX/2016 they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to XXXX paying these fraudulent companies and they ignored my calls after a while.
I am receiving phone calls every day, and sometimes multiple times a day to resolve a missed payment on my credit card. From XX/XX/2018 to today ( XX/XX/2018 ) I have received 21 phone calls. I am attaching screen shots of the phone calls.
For a few years my identity was stolen. I discovered this because the franchise tax board notified me that my SSN was being used. I discovered that accounts were opened in my name taxes were filed. The account was opened at a residence that I have never lived. 
I filed an ID Theft Report copies were sent to XXXX credit bureaus on XXXX 2016.
I initially disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.
I sent a letter to Equifax on XX/XX/XXXX requesting an investigation. More than 30 days have passed, and they have not responded in any way.
I have submitted two to three disputes to XXXX regarding a bankruptcy and inquiries. 
I submitted the bankruptcy disputes on XX/XX/XXXX and XX/XX/XXXX both came back verified even though I had CLEAR documentation from the Courts stating they do NOT report to any credit agencies. I received a letter from XXXX stating they will not dispute again because I did not submit relevant documentation which is FALSE. On both disputes I submitted the RELEVANT documentation they're asking. 

Inquiries : I NEVER received any response to my inquiry disputes as well. I submitted them on XX/XX/XXXX - First Dispute XX/XX/XXXX - because they only updated one dispute and IGNORED the others. 
XX/XX/XXXX - because I thought they may have slipped through the cracks with the online submission. All of this is a clear violation of the FCRA as it is a requirement to investigate or notify the consumer as to why they wouldn't investigate which this didn't happen either.
XXXX is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. XXXX continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with XXXX.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that XXXX provide me with competent evidence that I have any legal obligation to pay you. XXXX is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, Trans Union ), this  action might constitute fraud under both federal and state laws.
JJ Marshall 's Associates have threatened to seize property or collect from IRS, if I don't pay a debt I do not owe. XXXX  removed the account from my credit report. But JJ Marshall 's is relentless. I lived in a home for two months, was not on the lease. The property manager is letting JJ Marshall 's Associates handle this and it is not my debt. They can not find the actual tenant that owes the money, so because I lived there for a short while, they feel that I am the culprit. This has been going on since 2013.
The company  is Senex Services Corp.and th e debt is in the amount of  XXXX . I was never contacted about this debt by mail or any other source, but it appeared on my credit report. I requested validation from this collection agency and I was sent a detailed description of services rendered with an incorrect address.
I went to pay my American Express ( AE ) Credit card balanceon XXXX XXXX. I auto paid my balance for the last 5-6 years. 
using my XXXX account. I gave them instructions to use XXXX account for a payment of {$2100.00}. 

On XXXX XXXX I received a notice from AE my bank rejected the payment. 
I checked the money was still in my XXXX account. 

I recently moved from XXXX to XXXX. I found out XXXX does not have any branches in XXXX. I did not have enough money in my XXXX account to settle the amount owed. My XXXX XXXX got a bank check from XXXX to cover the balance. I have never done any business with XXXX.She mailed in a check to American Express. The check cleared the XXXX payment. 

What I found out next shocked me. American Express did not use my XXXX account in XXXX as requested but instead just took the account info from the XXXX Check deposited in XXXX and sent that info in for payment.Of course it was rejected. 

This is illegal and was certainly not authorized by me. When I called American Express for an answer. They told me I did tell them to use XXXX but there was no record of that account after 6 years of use. 

Their supervisor XXXX was most very condescending when speaking to me and lied through he teeth about where the new info came from. 
to protect his XXXX. 

Some one put that false info in for whatever, who knows? Their employees need more sensitivity training. I feel American Express should be severely fined and I should be awarded a small sum for all their abuse and time spent fixing the problem. 
training.
XXXX and Experian on line dispute webpage do not allow you to complete your dispute on line. XXXX does.
I was charged a {$34.00} service fee for non sufficient funds.. .however I have always received text informing me my balance is low and showing any pending transaction that would potentially put me in the negative, however I never received any notification prior to them posting an NFS charge. There is supposedly a grace period of XXXX Est to put funds into your account to cover any pending transaction. However on this NSF I received different information by XXXX different reps as to why I received the charge. One stating it was due to a pending transaction from ( XXXX ) that supposedly posted at XXXX, one minute prior to the time allotted to put funds into an account to cover any pending transactions. The other stated it was from a restaurant vendor that showed a different pending amount from the actual posting amount. I failed to get a SPECIFIC reason for the NSF as well as an explanation to why a text was n't received that my balance was at a - {$7.00}.
Citibank NA processed two consecutive UNAUTHORIZED hard credit report inquiries into my individual XXXX credit information. The first hard XXXX credit report inquiry occurred on Tuesday, XXXX XXXX, 2017, and the second hard XXXX credit report inquiry occurred on Wednesday, XXXX XXXX, 2017.
About 2 mos ago i closed a bank account with an overdraft of {$460.00} because it was compromised. The rep took all the info to file a claim to dispute the charges making it overdrawn. On XX/XX/2016 those {$460.00} were debited from my new account leaving me overdrawn, with about 15 pending transactions which will create a {$32.00} fee each for overdraft and no money for the next 2 weeks. I was never notified by any method of this situation until I checked my account online. I have contacted the bank, spent almost 2 hours being transfered from person to person, all saying they can not take accountability because the transaction was " not done through their department. '' The last person I spoke to informed me this was not done trhough the charge off dept ( of course because this was not a charge off ) and that they did not know who had done this transaction on my behalf.
As I am struggling to maintain my payments without damages to my credit I made a payment to prosper of XXXX on XXXX XXXX online but when I looked at the date of payment scheduled it say it is for XXXX XXXX that would put me at 30 days late on there web site it say I can call the XXXX until XXXX but when I called at XXXX XXXX the office was close.I am going through some financial difficulties but prosper has no resolution but to pay or your credit is damaged. I will continue to make my payments and trying very hard to get back on track. I hope that I do n't get hit with a 30 day when I made my payment on XXXX XXXX 2017.
Received a letter from the company Diversified Adjustment Service about an old debt on XX/XX/XXXX alleging I owe {$650.00} to their company for an old XXXX bill. I sent to them a validation letter by certified mail on XX/XX/XXXX asking for verification of this said debt account ending in XXXX. On XX/XX/XXXX, I received a copy of a bill, that does not have my signature indicated that was from XX/XX/XXXX. This bill was bought from another collection agency that I have also disputed with that is still currently showing on my credit report. I have been receiving numerous phone calls from this company all hours of the day and night. On XX/XX/XXXX Diversified Adjustment Service reported this to the credit bureau and now it is appearing on my credit report as an added collection from them. They are attempting to collect on a bill that I do not owe them and no proof has been received that I owe them.
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.
Debit Card was lost and XXXX XXXX has not protected my rights under lost debit card with the XXXX policy. Under Dispute Case XXXX
I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and Equifax, XXXX, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, Equifax, XXXX, and XXXX   are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.
My CHAPTER XXXX BANKRUPTCY was discharged XXXX/XXXX/XXXX and it was incorrectly reported on my status as a new bankruptcy. Payments were made monthly for 5 years through a trustee. Delinquent accounts were reported for : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts were not delinquent as court ordered payments were made monthly from XXXX XXXX until XXXX XXXX. I do not have a new Bankruptcy. My XXXX and only bankruptcy is closed. I filed XXXX XXXX, XXXX, date case closed XXXX/XXXX/XXXX, date discharged XXXX/XXXX/XXXX. This mistake has cost me dearly on home and auto insurance. I have tried repeatedly to get this corrected.
chase closed my credit card account which had XXXX balance without notifying me. i had accumulated {$150.00} dollars in credits which were forfeited upon closure.
I recently check my credit report on XXXX and came to learn the there is a credit card listed on my report. It was supposedly opened in 1998 when I was XXXX years old. It has a credit limit of $ XXXX and a balance of a little more then $ XXXX currently. I did n't open this account and neither did any of my family members. It is listed as an account at Citi Bank. However when I spoke to CitiBank 's credit card department and gave them my social they said the account did n't come up. So somehow it is listed as my credit card but is n't listed under my social security number. And the weirdest part is someone other then myself is making monthly payments. Someone is paying the card minimum of around {$300.00} and something dollars a month. This is really hurting my credit and I do n't Know how to resolve this issue. Please Help! Thank you for your time. Have a great day.
On XXXX XXXX, 2014, I purchased a standard used XXXX XXXX from America 's Car Mart Inc. in XXXX, TN, for {$14000.00}. Today the XXXX XXXX XXXX price is listed at or between {$1500.00} to {$1700.00}. The annual percentage rate extended to me at the time was at 15 %. I 'm currently financing the vehicle in-house through America 's Car Mart. Since purchasing the vehicle I have made all payments on time ; however, I simply can not afford to continue making these high payments. For the first 3 months, I paid {$310.00} dollars every 2 weeks for payment, I currently pay {$240.00} dollars every two weeks for payment. I have 38 more payments before my last payment is due.
Hello .Im filling this complaint concerning my credit bureaus particularly Transunion.I see they have too many inquiries in my credit reports, and some of them come from car dealership.When I called each of them to remove them because I dont buy any car yet only one car dealership I have visited it was XXXX XXXX in XXXX Georgia and I didnt want want them to pull up my credit because I didnt want the Downpayment they offer me.And after I have seen a couple car dealership inquiries in my credit report.I recognize a few of them only concerning XXXX  XXXX I have 1 account with them only, and I have applied officially one card with XXXX XXXX and one with XXXX and I have applied for a mortgage with XXXX XXXXXXXX XXXX XXXX.I see one inquirie from XXXX i dont recognize.Plus the worst thing I noticed that Transunion doesnt care its about the update of my credit score and report they never update it cause is not in their interest.I am just building my credit right now, How I can build my credit if this companies try to put their feet in my financial neck? I m young and managing my credit well.I want them they removed those inquiries and for Transunion update regularly my credit score and report .Thank you very much for your support.Best Regards
On XX/XX/XXXX I was blocked from accessing my account for no known reason. I am highly upset with td and the way they handled this situation. Was on hold for over 30 minutes and treated rudely.
I began receiving notices from Ability Recovery Services who is or represents XXXX. when I received the initial contact it was months ago via voicemail messages left stating that I owe them XXXX and I need to pay or else. Months have passed and now they pop up on my credit report. On XXXX XXXX I sent a formal request to send proof of my ownership of debt, their response was just another collection letter not responding to my request for proof. They are now reporting to all XXXX bureaus me owing {$22000.00}. It 's been over 31 days and they have not marked my account as disputed.