WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX XXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX  XXXX provides an audit of all payments received from XX/XX/XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX  XXXX XXXX XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX  XXXX if this is a legitimate account.
Madam or Sir, XXXX, Experian, and XXXX are all reporting that my XXXX XXXX card is at 103 percent of my limit. The limit is {$1400.00}. My debt is {$1300.00}. This is 93 percent of the limit. 

All three organizations have lowered my credit rating based on this miscalculation. 

Please contact XXXX directly to verify that the information which I have provided you is correct. Their phone number is XXXX XXXX. 

I have attempted to correct this with XXXX, XXXX, Experian and XXXX. The response I have gotten from the credit reporting agencies is an automated system that will not allow me speak with a person. XXXX told me that they won't manually update anything, their " system '' updates people 's credit ratings each 90 days. 

This is all unsatisfactory. 

Regards, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Retired )
I HAVE SENT MULTIPLE OF LETTERS ASKING XXXX XXXX FOR VALIDATION OF THIS DEBT THEY SAY I OWE THEM. I WENT TO THE SECRETARY OF STATE WEBSITE AND COMPLETED A UCC INFORMATION REQUEST AND I DO NOT HAVE A LIEN ON MY NAME FROM THIS COMPANY. XXXX XXXX company have been unable to show evidence of the alleged claims. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. I have attached the validation letters sent to their company.
I became XXXX before I could even use my degree and my husband was in an accident that left him XXXX so we had no income at all for a while .I was told that my only way out was forbearance which I did n't understand but agreed to..I am now unable to work, my husband passed away and I am raising my XXXX year old. I asked for the forms for loan forgiveness but have received nothing.
DIVERSIFIED ADJUSTMENTS XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED ADJUSTMENTSor any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED ADJUSTMENTS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
I am a XXXX of XXXX years old. I applied for a loan on line and was granted a {$1000.00} loan. I signed the papers and loan documents but did not realize that they would charge me {$500.00} per month for a total of {$8000.00} ( for a {$1000.00} ) loan. I was and am totally confused and want to pay back the original amount and stop this predatory lending ... ... ... ... ..I put a stop payment on any check ( ACH ) that would be submitted by them. I was taken advantage of in the most predatory way and actually forgot I applied for the loan. 

The name of the company is called " Big Picture Loan '' and the phone number is XXXX XXXX XXXX The loan was taken out XX/XX/XXXX/XX/XX/2016. They called me and told me I had to pay them {$500.00} and a total of {$8000.00}.
they claim I owe XXXX XXXX dollars I called XXXX and they said XXXX lady 's XXXX of XXXX and XXXX of XXXX my account with my password which was my XXXX name after I filed bankruptcy which they were to have closes XX/XX/XXXX when I filed, but fell though the loops, the XXXX lady used to rent off of me in XX/XX/XXXX/XX/XX/XXXX so of course she new my only XXXX name is the only way I can explain I told them to go get them for fraud and never heard from them again until I seen on my credit rerport
I was contacted by someone claiming to be from Phoenix Asset Group, LLC. Mr. XXXX and Mr. XXXX informing me that they bought my debt from XXXX XXXX. The company is located in Minnesota according to the website. You can XXXX it, but it continues to say pages arent available with an error message. I was able to cal number on website and an individual answered it with hello and couldnt understand how I was able to call her cell phone as well as didnt know her companys phone number. Voicemails were left about taking action in the county I  live and wage garnishment. I was also informed I received a document from XXXX XXXX informing me of them buying the debt. I never received the letter and informed them of a pending divorce and to contact my lawyer. They refused to do so. They refused to send any correspondence except for a contract by email after I gave them a debit card number to take biweekly payments of {$130.00} after a down payment of {$270.00}. This is the second fake company out of XXXX XXXX which has posed as an agency to get money out of me. I requested they contact my lawyer and to stop calling me and they stated I had to put it in writing, but didnt give me the address. At this point Im 100 % sure this is a fraudulent site with several individuals posing as agents/representatives of the scam.
Monthly agreement was made with Synchrony Bank to make payment on the XXXX of every month in the amount of {$21.00}. Creditor is calling stating that I am behind in payments, which I am not. And stating that I have a different due date then agreed upon. I have repeatedly informed the representatives of my agreement. They apologized however they continue to harass me day and night continuous calls. Some Representatives argue and keep continuing to try to collect payment. I have not been late on any payments and wish this continued harassment to end.
An unknown representative from Financial Credit Network called my cell phone and left a voicemail asking for a return call. She did not state her name, the company she was with or that she was attempting to collect a debt. I have a no-call agreement with FCN because I have a recurring payment plan set up to pay the debt and am current in doing so. The call XXXX are unnecessary and borderline harassment. I had to XXXX the return phone number to find out it was Financial Credit Network who had called.
Check City sold data to XXXX who contacted me XXXX/XXXX/XXXX to try to collect the debt. 
Bankruptcy was filed in XXXX, discharged in XXXX.
I am a co-signed on my daughters checking account. She was a victim of check fraud on or about XX/XX/XXXX. We have the police report and other info. We contacted Hancock Whitney bank and they started a investigation. My husband and i have a checking account there. And I am also on my XXXX year old mother account there. The fraud checks/scam were two checks totaling XXXX. The scammer requested money be sent back due to overpayment and my daughter did that. We understand that we need to make it right with the bank but they want there money in 10 days or they say they are gon na take my money out of my and my husbands account and if it isnt available there, they will take my mothers. We have offered numerous solution that would Benefitnthe bank and is without taking my mother only money she has. She is elderly and has medication and other necessities to buy. My husband receives social security and we cant make it without his money. I am a XXXX in XXXX. We have asked the local branch to let us discuss it with fraud division or corporate to come up with a solution and they refused. They said it has to be handled locally. We offered all document, emails, text from the number and email that was used for the scam. They refused to look at it. We offered police report and they said they didnt need it. We tried to remove myself off my mothers account to avoid her losing everything and they refused. They have treated us like crimson and second hand citizens since the day it happened. We have requested a unbiased arbitrater and they refused.
Not Castle Payday, but third party debt collector : -Phone number XXXX XXXX Department of State Division of Corporations Entity Information The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : XXXX XXXX XXXX, XXXX. 
Selected Entity Status Information Current Entity Name : XXXX XXXX XXXX, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on Castle Payday, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by XXXX XXXX is unfounded and felonious as well.
Capital One requested information to verify my identity. My account has been frozen for two weeks. They refuse to believe its me.
On XXXX/XXXX/XXXX Portfolio Recovery Associates, LLC took out {$160.00} out of my wages. I never received any notification that they were going to do this. I called the XXXX XXXX center with my employer to find out why there was a garnishment on my check and they told me that Portfolio Recovery Associates, LLC took this money because is was accrued interest and fees from an account they had previously collected on. Approximately a year ago Portfolio Recovery Associates, LLC garnished my wages and I fulfilled my obligation but now I get charged for interest and fees and without any prior notice.
I have been trying to get a loan modification with Bank of America for the last 3 years, since 2013, and every time they request for paper documents, I have sent on time and I think that 's it, Bank of America is going to start to review my case. But instead they send me a letter stating " We are no longer actively reviewing your application for loan assistance because we did not receive the requested documents. '' I have copies of the documents I sent and I also send the documents through registered mail and I am able to track it. When I mention this to Bank of America, they just claim that they did not receive it and to re-apply. I need to get a loan modification or else I will go bankrupt. What can I do to stop Bank of America to continually just claim, '' We did not receive the documents, please re-apply again ''. I need help. Thank You
A student loan has caused my score to lower before it is due. It is not delinquent. I was approved.
American Express froze my Membership Rewards account for no reason and claimed that I 'd have to wait up to 6-8 weeks to use it. I have travel plans and plan to use the points but now I have to drop my summer travel plans because of that.
On XX/XX/2018 I was contacted by a male who stated he worked for loan care and then asked for my SS # and Phone password. I asked whom was calling. The individual then became rude and stated, " Ma'am I'm calling from your mortgage company and I'm pretty sure you've had to answer these questions before. What is your SS # and phone password? '' I replied, " No sir I have not had to answer these questions before and I'm uncomfortable giving out that information without knowing what this is about. '' He stated, " You can call back and get the information. '' I immediately went online to view my mortgage status as I believed the gentlemen to be a scammer based on his general rude and demanding demeanor. Not to mention I have never been contacted by mortgage company via phone before. I have always made my payments online and on time. Any prior communication via phone as been initiated by myself. 

Upon reviewing my account I noticed it showed that I had not yet made my XX/XX/2018 payment. I have attached both a copy of the email from my mortgage company, Loancare, and my bank statement showing that I had made my XX/XX/2018 Mortgage payment and it cleared my bank account XX/XX/2018. I would like to also point out that on Loancare 's email they have me making a payment of {$1500.00}. However, you can see by my bank statement that the payment made was in the amount of {$1300.00}. 
The difference in actual paid amount and what email Loancare is further evidence of Loancare 's deceptive trade practices. 

I called to find out what was going on and was told that I was a month behind on payments. As I spoke with the gentlemen reviewing my account he told me I never made a XX/XX/2018 payment. ( please see my bank statement as proof of XX/XX/2018 & XX/XX/2018 ). I tried to have the company review my account. However, each individual I speak to continues to read only what they see right in front of them instead of reviewing my account realizing their error. 

I need immediate assistance as this company is getting ready to put this bad review on my credit report. Any help would be greatly appreciated. 

Thank you, XXXX XXXX XXXX
My student loans have been in a deferred status since I left school in 2014. My student loan servicer is reporting two periods of delinquency, where my loans are being reported as more than 120 day past due. I never received any notice that my deferred was ending or that my payments were late. I believe that this reporting is incorrect.
BMW Financial reported my account 30 days late to XXXX XXXX XXXX for the month of XX/XX/XXXX  The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to BMW Financial XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX 2017 and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
I applied for PSLF in XX/XX/2016. I've been making payments since XX/XX/2016, but recently found that none of my payments have been counting towards my 120 qualifying payments. At this point I have made 26 payments, and more than that none of the principal is being paid down so if PSLF is overturned then I am actually paying more and it has been 6 years since I graduated with my XXXX. I called multiple times and re-submitted several forms even though it's clear that I worked at an employer they won't certify it or count my payments. My problem is with XXXX XXXX.
I refinanced my Mortgage through quicken loans. I feel that their practices are predatory. I was first told I would have no problem getting cash out. Well, a couple months into the process I was told that would not be possible, but I decided to continue, as I was told I could reduce my monthly mortgage payment. So after adding {$8000.00} back to my mortgage for closing costs, and going back up to 30 years, there is no change in my mortgage payment. So I gained nothing but a lower credit rating. Quicken miss calculated my home insurance and did not pay it when they bought my mortgage. I called them XX/XX/XXXX, and was told it would be " researched '' but as of yet, no research, and now the rep tried to blame me, because they called me but my voicemail was full. So apparently they needed to speak with me before they could begin their research, because XXXX reps was n't enough, I had to speak to a third. In the meantime, my house insurance was cancelled. It has been re-instated, but Quicken does not seem to want to take responsibility for their mistake, and want to put it on me as the consumer.
I lived at a Apartment in XXXX until XXXX when I moved out I had a {$0.00} balance. I am in the process of trying to buy a house and this apartment is on my credit 3 different times.I called National credit system to resolve the matter and they do n't want to meet me half way.I first offered XXXX dollars and they said complex would n't accepted it so I came up with XXXX and still would n't accept that either so I need help. please ....
In  XXXX    XXXX  , I submitted a dispute with the  XXXX  credit reporting agenices that the information Carrington Mortgage is providing them regarding my account is inaccurate.  XXXX  of the  XXXX  reporting agencies investigated my request and  Carrington  Mortgage repsonded to their investigation claiming the information they submitted was accurate.     On  XXXX   XXXX , I sent a letter certified mail with a return receipt to    XXXX     XXXX   XXXX  requesting them to provide me account information on a foreclosed property that they serviced a loan on. I informed them I was directly disputing the information as I did not think the dates of last payment and the dates of foreclosure were accurate. As per the RESPA, I requested them to acknwlegde my request within 5 days and to provide me a response within 30 days. Additionally, during this time, per RESPA  Carrington  Mortgage should not be reporting any information regarding late payments to the credit reporting agencies. On  XXXX   XXXX ,   XXXX  , Carringtion Mortgage recieved my letter. On  XXXX   XXXX  I received a letter from Carrington Mortgage Services dated  XXXX   XXXX , stating that they would not process my request for them to provide my account information becuase the letter that I submitted was not signed. The letter I submitted t o Carrington  was initialed by me. On  XXXX   XXXX ,   XXXX  , I faxed over a signed copy of the letter, and I also sent another letter via certified mail return receipt that was recieved b y Carrington  on  XXXX   XXXX .  Carrington Mo rtgage did not respond to my account inquiry, however on  XXXX   XXXX , I was notified by Experian, a credit reporting agency tha t Carrington  Mortgage responded to their investigation and advised them the information they were reporting was accurate.
The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX XXXX the report was incomplete from only 1 Credit Reporting Agency and that is XXXX XXXX. The XXXX XXXX report has NO information regarding my auto loan on which I have been paying, out of my personal ( singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however XXXX XXXX seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX Varable C. The finance company, Honor Finance, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of XXXX XXXX, including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX