WillisBack/dataset-financial-user-claim huggingface dataset:
I had a company issued American Express Card with my former employer, XXXX. When I left employment in XX/XX/XXXX, pursuant to instructions I completed a final expense report in order and closed the American express account. Charges amounting to {$330.00} not incurred by me for a company rental vehicle were added to the account prior to American express closing the account. Despite notification to American Express on XX/XX/XXXX, and several notifications to my former employer I continue to receive bills from American Express. American Express acknowledges that the account is closed but continues to seek payment from me. I am not responsible for these charges and fearful of my credit being adversely affected. With the late penalties assessed by American Express the current balance now is {$420.00}.
On  XXXX   XXXX .   XXXX   Transunion received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )  On  XXXX   XXXX ,   XXXX   Transunion received my  2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my Transunion credit report.     They have removed public records, but, the state tax lien was not removed.
XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted XXXX and CITI bank who confirmed that first date of default on these accounts were XX/XX/XXXX ... XXXX sold this charged off account to XXXX and Citi bank sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..
I continue to get calls at my home from a company trying to collect a debt from a family member who does not live with me and has never lived in this home. The calls are made at least two times a day. They are either from a live person or a recording. I have asked them not to call anymore and that I can not help them.
there is an account from  XXXX   XXXX  that should be removed.   I 've submitted a dispute and added information supporting the removal of this account.   Equifax has yet to remove this negative account.
Quicken Loans [ QL - Rocket Mortgage ] XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX / XXXX XXXX XXXX QL refuses to refund my {$500.00} on their failure to deliver a VA loan as promised. 

XX/XX/XXXX XXXX XXXX advised he could provide me with a VA Loan for {$280000.00} at 4.375 %, for {$1700.00} per month. I specifically quoted : On that basis, lets go ahead with an application for a Loan. 

I sent {$500.00} for Earnest funds, submitted all necessary docs, with my XXXX XXXX XXXX XXXX. 

On the phone XX/XX/XXXX XXXX acknowledged he originally began a VA Loan as I requested. However, afterwards someone else at QL changed it to a Conventional Loan.

Prior to Closing I noticed that over {$10000.00} was proposed for PMI. I notified QL and demanded the PMI be removed. QL replied that the PMI would remain because the loan was processed as a Conventional Loan, not a VA Loan. Additionally, the Loan was only for {$270000.00}, including {$10000.00} of PMI, w/pmts {$1900.00}.

I had never been told of this change so the QL caller advised he would have QL review all recordings to verify my claim and find out where QL failed to advise me, and report back to me with the findings. 

I waited 7 weeks for the review of recordings, but never recd another word from QL during that period. They were obviously embarrassed. On XX/XX/XXXX I sent a msg to XXXX inbox asking the current status of the Promised review. 

On XX/XX/XXXX I filed a complaint with the Federal Trade Commission ( # XXXX ) because no answer was forthcoming. 

On XX/XX/XXXX XXXX XXXX called ( see above earlier paragraph ) On XX/XX/XXXX XXXX XXXX acknowledged he found there had been some conversation with XXXX about a VA Loan but it was not definitive. He admitted no one had ever discussed a Conventional Loan with me, He apologized that I had not noticed until the week of the Closing. 

In my opinion, Quicken Loans does not have the customers interest in mind. They unilaterally do as they deem is best for them and ignore the facts, even when the recordings prove otherwise. 

-- -- -- -- - I've given up trying to buy the house. But since the loan was not delivered as promised, it is reasonable to get my {$500.00} deposit back. Who do I contact to make them do so?
After Hurricane Maria passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own.
I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Experian is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.
We purchased a car at XXXX auto in XXXX, Colorado with financing thru YKS Corp. We made above our required payment each payment but we 're always told we were behind in payments and being charged late fees and penalties. When we traded our car off at another dealership they tried to tell us we still owed payments. The car had over XXXX miles on it when we bought it and yet they would n't follow thru with their warranty program for repairs either. We had nothing but problems with them.
A company called XXXX called me and said they were XXXX and I had viruses on my computer and they would remove them for {$300.00}. I later found out that they were actually putting in viruses to hack into my computer. I had to have another company remove them. I reported this to my Citi bank credit card to remove the charge. I filled out several complaint forms and was told it was not enough information and they could do nothing, so I cancelled the card.
I closed on my Mortgage in XX/XX/XXXX. When i closed I received an initial escrow disclosure and calculation showing the the distributions from my Escrow account would occur in the month they are due ( XX/XX/XXXX and XX/XX/XXXXfor taxes ; XX/XX/XXXX for hazard insurance ).
BB & T purchased my loan in XX/XX/XXXX and changed the accounting method used by my old services without sending me an updated account statement within 60 days of the date of transfer as required by 12 CFR 1024.17 ( e ).
Additional, the accounting method used by BB & T is in violation of 1024.17 ( c ).
When BB & T sent the annual account escrow, the company 's listed XX/XX/XXXX and XX/XX/XXXXas the distribution date of Ohio  taxes and XX/XX/XXXX as the date of distribution date of my hazard insurance. All three of these obligations are due in later months and were not paid until by BB & T until later ( Public records show BB & T paid my property insurance in XX/XX/XXXX and XX/XX/XXXX ; my insurance company received its Hazard insurance payment in XX/XX/XXXX ). 

This accounting by BB & T attempts to create a Cushion that is in excess of 1/6th of the 12 month total to ensure that they can make disbursements when they see fit. Rather than when due thus never having to use the cushion as it was designed to make " disbursements [ that are ] made before the borrower 's payments are available in the account. ''
on my credit report it shows comenitybank/XXXX as an open account. but this account has been closed for over 6 years.right after this is another XXXX account that is closed. it is the same account. 
incorrect reporting.
Equifax continues to report an old account that should be deleted according to New York State law. 
25 Section 380 -j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ) ( 1 ) Expect as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information, ( iv ) accounts placed for collection charged to profit and loss which antedate the report by more than seven years, or accounts placed for collection or charged to profit and loss, which has been paid and which antedate the report by more than 5 years. 

XXXX XXXX XXXX # XXXX .... has been paid and closed since XX/XX/XXXX. It's XX/XX/XXXX and that makes it 6 years, Equifax continues to report this account. Please delete this account and update my credit report.
On XXXX XXXX, XXXX, I wired {$8600.00} to a Capital One 360 account. It was posted XXXX XXXX, XXXX but the receiver advised me that Capital One wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and Capital One since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with Capital One. Their representative told me that no one had access to the money and Capital One was still looking into the situation.
I tried to use Transunion 's online dispute form, but it didn't give me any option to dispute a fraudulent credit inquiry. It gave me the option to request an investigation into the two credit cards I actually own, but I have a credit inquiry using my maiden name and old home address ( from before college ) that happened a couple weeks ago that was not me. 

Transunion doesn't give me the option to get that removed from my credit report. I need the XX/XX/2018 inquiry from XXXX/XXXX XXXX removed from my credit report completely because I did not initiate that inquiry. 

I called Transunion and selected the " Fraud '' option. It didn't connect me to a person. I had to listen to a very long sales pitch about credit monitoring for $ XXXX/month, and when I selected that I wasn't interested, I heard an even longer recorded sales pitch for the same service. Absolutely unacceptable for a credit bureau when I'm trying to get fraud resolved. I was able to post a fraud alert, but was offered no help removing this inquiry. 

I've reached out to XXXX as well to ask them to help resolve the issue.
After this whole Equifax leak, on XX/XX/17 I sat down to freeze my credit. My complaint is that Equifax STILL CHARGED ME MONEY to freeze my credit meaning that they PROFITED OFF OF THEIR MISTAKE.
My mother until her death in XX/XX/2012 had a mortgage with XXXX XXXX XXXX XXXX, the original loan is controlled by Wells Fargo, payment were made to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, stop collecting payments and now the mortgage payments go directly to Wells Fargo.

The mortgage is in an estate account I'm really concerned about this adjustable rate of 9 % which increases every six months. The mortgage payment is {$1500.00}, {$1200.00} is interest {$340.00} goes to principal. I now when my mother was alive she tried to get a fixed rate, to no avail, due to her retirement. Mortgage payments are paid on time, taxes are up-to-date This is an income property. I have tried on many occasion to refinance this property either my income was insufficient and now I'm unemployed. I'm disgusted in the amount of interest I'm paying to the shareholders for this mortgage and how little is going towards the principal. Mortgage rates is currently at 4 %, we are paying 9 % adjustable.
Dear sir or madam, I applied for an American Express credit card and was approved XX/XX/2018. The promotion was was that I receive XXXX XXXX XXXX points after spending {$3000.00} in the first three months. Also, one free weekend stay after one year. I did not receive the card until XX/XX/2018.I had contacted AMEX by phone and online to tell them that I had not received the card. I could not register it on line because I did not have it. In my last call to AMEX on the subject of the missing card, the very nice young lady understood and send my card next day mail. I am being denied my bonus points because AMEX says that I did not spend the {$3000.00} in three months. They are using ( the fine print apparently says they can ) XX/XX/XXXX as my starting date. I surpassed the {$3000.00} before XX/XX/2018.I do not think that it is fair business practice to start my timeline when I had No Card. 
I have made multiple contacts with AMEX # XXXX. Initially, I was told there was no offer. Then it was a different offer. Then it would take 6 to 8 weeks to find out what had happened. Then a couple of days ago, I received a message on my account that I did not meet the qualifier.I called in to explain that I did not have the card until XX/XX/XXXX. All of these interactions are a matter of record. Those dates are not in dispute. AMEX admits that I did not have the card until XX/XX/XXXX.They don't care. How is this fair business practice? It smacks of bait and switch. Switch from something to nothing. Thank you for your help. XXXX XXXX
This involves a student loan. Navient changed my fixed interest loan to a variable interest loan ( on loans XX/XX/XXXX and XX/XX/XXXX ). The interest rate has increased from 0.001 % to 10.750 %. This occurred immediately after I paid off one of my loans. I was charged for the month of XX/XX/XXXX a total of {$73.00} in interest. 

I called the number on Navient 's web page ( XX/XX/XXXX ) and was transferred to XXXX. The operator indicated that she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website '' but that my " collector did. '' She also indicated that I " shouldn't rely '' on what's on Navient 's website and that it " wasn't up to date. '' Since the website shows my monthly payments, how much I must pay each month, and my payment history, this advice is XXXX. 

The operator then transferred me to XXXX XXXX where XXXX XXXX said she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website. '' When I indicated that the previous person claimed XXXX could correct the problem, she denied this and then berated me for being in debt -- in spite of the fact that I have been making the monthly payments as indicated on the Navient website. 

Though I did go into default during the beginning of the recent recession, I have been paying consistently on my loans since XXXX and have payed off most. I believe this is an attempt to keep me in debt in spite of my success in paying off my loans.
This company fails to respond to me on inaccurate items on my credit report. Listed as in collections. 
I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt as it is only listed on my XXXX credit report.
There are 3 companies involved : 1 ) XXXX XXXX XXXX, 2 )  ERC ( phone # XXXX ), and 3 ) XXXX. This involves XXXX XXXX XXXX account # XXXX. 

I have previously had my identity stolen, filed a police report, and successfully had several fraudulent XXXX accounts opened at various addresses in the XXXX area expunged. 

XXXX initially contacted me in XX/XX/2017 about an XXXX XXXX XXXX account that was opened in my name, providing service to an address that I have never lived at. I told them it was fraud, gave them a copy of the police report, and sent me a " fraud packet '' which I was to mail back to XXXX XXXX XXXX ( I did ).  Simultenously, I disputed all of the debts with all 3 of  the credit reporting agencies, and all 3 of the XXXX XXXX XXXX debt from my credit history. 

I have never heard back from XXXX XXXX XXXX since then. 

However, today I received a new debt collection letter from " ERC, '' who had the same account assigned to them from XXXX XXXX XXXX. They stated they would re-file the debt with the credit reporting agencies in XXXX, despite me previously having sent my " fraud packet '' to XXXX XXXX XXXX and successfully disputing the account as fraud with the reporting agencies. 

This is getting tiring. Can you please contact the involved parties and make them stop? In addition to these letters, I still get daily debt collection cold calls that haven't gone away since XXXX first contacted me. 

Thank you for your help.
EQUIFAX DID NOT PROTECT MY PERSONAL INFORMATION SECURELY ENOUGH WHICH LED TO A HACKER GAINING ACCESS TO PERSONAL DATA
Call XXXX calls both numbers at same time! Talked to them, told them I could n't pay as required They call XXXX times a day, on both phone numbers!
my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy thank you
I was on a forbearance payments with navient for 3 loan that I co-signed for him and have been paying between XXXX. I called and they said that is now over and I have to pay XXXX i talked to someone about an income based program and all they can do is lower my payment to XXXX a month. I make XXXX a week and went over all my expenses such as car, mortgage taxes utilities and they said there is nothing they can do. They automatically deducted the 1st payment from me which leaves me in the negative. They will not work with me at all. They only lowered my interest rate to 3 % which leaves me with that XXXX payment. I don ; t know what else to to. I was will to give XXXX but they wont except anything from me. I have called them 3 times and received 3 different answers for payments so I called again and the final payment was XXXX Thats it.the bottom line which I ca n't afford.My house is now for sale which you can verify online because I can no longer do this
I will like to file a complaint regarding Portfolio Recovery Associates, LLC., XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA . XXXX XXXX XXXX XXXX in the matter that they are reported unverifiable debt, I 'm not aware of who and when this account was open. I have asked the company twice in writing to verify the debt however they have failed to do. I also asked them to stop reporting this debt to the XXXX major credit bureau. They are not practice good lawful business.
Despite attempts to request copies of loan documents evidencing the students loans that ECMC has said have not been paid, ECMC has refused to provide copies. Instead, printouts of what was supposed to have been outstanding was sent to my attention. When I insisted that copies of the actual documents be made available to me in preparation for a hearing to determine whether my wages should be garnished, ECMC apparently forwarded documents to the Department of Education ( what documents, if any, that were sent by ECMC to the Department of Education were not made available to me ), who made a determination that no hearing was necessary. The letter from the Department of Education is attached. The Department of Education letter does not reflect the supporting documentation that was submitted to ECMC. I would have certainly provided the Department of Education with the supporting information and documentation, if provided with the opportunity to do so. 



All of my documentation regarding repayments and in preparation for the requested hearing was forwarded to ECMC as was requested by ECMC. My wages had been garnished for over 7 years, and as a result over {$50000.00} had been repaid. My request was for documentation reflecting the exact amount that was owed. Instead, ECMC became incensed that the request was made, refused to provide any documents showing an outstanding balance other than a computer print-out ( schedule of payments ), and refused to consider the request made by me for relief under 34 C.F.R. Section 682.410 ( b ) ( 9 ) ( ii ) ( E ) ( garnishment of wages would cause undue hardship - documents were sent to ECMC supporting the undue hardship, but there is no verification that those documents were delivered by ECMC for review ). Monthly payment obligations were also sent to ECMC in anticipation of a hearing. There is no evidence that those documents were reviewed or considered.

Student loan documents may refer to specific rights, deferments, relief related to periods of unemployment, family tragedy or reduction in debt obligation due to employment at a non-profit. I have been deprived of the opportunity to review those documents and verify the outstanding balance of any loans that may be outstanding. Instead, ECMC has acted punitively as a result of my request that they provide the proper paperwork that shows the amounts owed and its authority to collect the outstanding debt. Such requests for documentation and verification are minimal and owed to every borrower. ECMC has insisted that I verify the loans in which they have no documentation, and enter into a payment agreement in order to prevent garnishment of my wages. While I am willing to pay, and have been paying for over 7 years, I can not verify and confirm a loan obligation where no documents have been provided by the debt collector.
My wife and I were discussion a mortgage refinancing with Ditech on XX/XX/XXXX. The mortgage owed is currently XXXX. We are speaking with XXXX XXXX XXXX, with email of  XXXXXXXXXXXX. Before my wife agreed to have credit run she confirmed that the rates would be 4 % and the fees totaled {$3500.00}. We agreed verbally and they ran our credit. This am XX/XX/XXXX we reviewed the actual disclosures which showed a rate of 4.5 % and fees of XXXX. We reached out to XXXX on both email and phone. Once he responded to us he tried to tell the story that he was trying to help us with our rate by increasing the percentage and could not explain the fee increase. This is absolutely scummy we are ending the process now and are looking to move our mortgage elsewhere. We wanted to change from a ARM mortgage to a fixed but will not do business with an organization like this