WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I called Ocwen and asked why our credit history was not being reported to the credit bureaus, they said they did not have a reaffirmation letter on file from our bankruptcy in XX/XX/XXXX. I explained we had a copy of the reaffirmation letter from the lawyer who took care of our bankruptcy and that we would fax it to them on XX/XX/XXXX, which we did. We also contacted our lawyer who confirmed the bankruptcy including the reaffirmation letter was signed by both he and the judge and processed on XX/XX/XXXX. 
I called back on XX/XX/XXXX explained our situation again and the information that had been faxed and confirmation from our lawyer, I was told it would take XXXX business days for the information that was sent to be received and documented. I called again on XX/XX/XXXX and spoke with XXXX ID # XXXX, he could not confirm he had the documents that were sent or what the court documents said. He suggested waiting and additional XXXX business days or more for the information to be inputted into the system, they would have to investigate, contact court records from where we filed the bankruptcy in Massachusetts. On XX/XX/XXXX I called and spoke with XXXX ID # XXXX, still no information available, she said she was going to open " Escalation for Court Response '' and suggested I call back on XX/XX/XXXX If no response from the court has been received at that time she said she would hand the issue over to her supervisor. My husband and I are trying to re-finance our home, we have good credit and we qualify for the Harp loan but we can not re-finance without information from our mortgage company XXXX XXXX ) being released to the credit bureaus. I do n't want to be passed on to another and another and another any more. Ocwen holds a small XXXX mortgage attained in XX/XX/XXXX from GMAC when GMAC filed bankruptcy, I feel they are holding our information XXXX. XXXX XXXX XXXX is NOT what they do. Please help.
I have continuously contacted this debt collector to have this account ( that I am unfamilar with ) removed from my credit report due to lack of validation. I do not have any obligation to pay this company any sum of money.
Experian is reporting incorrect information on credit report in regards to a student loan that I have. It shows XXXX pate payments for an account that I have had a forbearance from XXXX in which those XXXX late payments were contained inside of my forbearance thus never having my account late at all. The FTC advisory opinion on Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information ( loan provider ) to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. The months that report late were in covered by my forbearance and need to be changed to a positive status. According to the FTC opinion of the FCRA they must update my report.
I have done disputes and written letters to ask for VALIDATION original paperwork/contract. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.
I received a letter from the collection agency Hunter Warfield on X/XX/2017 regarding a debt from XXXX XXXX XXXX. Before calling the debt collector, I researched the company with the Better Business Bureau website and learned about its unfavorable rating on account of its heavy-handed debt collections tactics. In fact the company has a reputation of taking " disputed rental claims from shady rental agencies and tries to intimidate consumers into paying disputed claims by threatening their credit. '' Armed with this information, I telephoned the account manager, XXXX XXXX, and queried him about the matter. I stated to XXXX XXXX, " How did the company gain access to a confidential address which is not listed on any credit report? ". Although he claimed the original creditor had furnished him with information, I called him out on such an audacious lie because no one had the address. I stated that I had accumulated the debt after a lengthy hospital stay and was in no position for repayment because of a debilitating medical condition which prevented me from working. XXXX XXXX neither wanted to provide any information about how the company retrieved my personal information nor wanted to provide any information to affirm the debt. 

I stated to XXXX XXXX that because the company may have violated provisions on the Fair Debt Collections Practices Act for using a third party to gain unauthorized access to a confidential address and unlisted telephone number. I stated to XXXX XXXX the collection agency had used the skip-trace method after an unauthorized third party had provided his company hired a private detective agency to supply personal information. He tried denying the situation ; however, I stated to the debt collector I knew my rights and therefore the company could neither employ shady business practices nor intimidation to cower me into repayment. 

I later learned Hunter Warfield retrieved my information from the screening company, XXXX, XXXX, which is listed on a formal housing discrimination complaint with the both the Federal and Washington State Office of Housing and Urban Development. XXXX, XXXX is a local tenant screening company in XXXX Washington that provides information on prospective tenants to landlords and rental companies. XXXX, XXXX provided personal information to the debt collector, Hunter Warfield, as a scare tactic to prevent me from moving forward with a formal complaint of housing discrimination. Also, XXXX, XXXX provided adverse information to all credit reporting agencies in direct retaliation for naming the company in a formal housing discrimination complaint, thereby limiting ability to rent.
I think the payments started XXXX 2018. The amount was around {$1200.00}. I am currently set up on a payment plan repay the debt. I have inquired about a settlement to so that i can be relieved of the debt, but one is not being offered.
My problem is that my loan was {$4000.00} and I have been paying {$59.00} monthly since 2006. I asked them how much I still owe and they sent me info that I still owe {$3700.00}. Please direct me what I can do about Navient. My loan was with XXXX XXXX originally. 

Sincerely yours, XXXX XXXX
my bankruptcy was closed and filed XXXX and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well
This Compliant is being sent to CCS in response to a listing on my credit report. A notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company at all.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX  ) this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character I also respectfully request CCS to provide me with competent evidence that I have any legal obligation to pay you.
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am requesting the following verification : 1.Recorded or telephonic conversations.
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2. Any payment methods you have on file indicating that I made payments to CCS company. ( Checks, debts, or money orders payments ) 3. Provide me with a documents with my signature indicating that I agreed to this debt with CCS.
On XX/XX/XXXX I disputed a account placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX claims they were collecting for XXXX XXXX XXXX XXXX. XXXX XXXX originally informed me to dispute with the collection agency and the bureaus bc they did not send anything to collections. 
I dispute as advised and the collection account was removed. I get an alert today informing me that Aargon Agency has placed this same account back on my report. I called and spoke with XXXX who was VERY rude and basically tried to over talk me. This collection agency is in violation of several aspects of the FDCRA. This company is also reaging debts that they clearly do not own and can not verify according to the FDCRA. Aargon agency is reporting that the account was placed with their company on XX/XX/XXXX but this same account was removed and deleted from my report with XXXX XXXX XXXX on XX/XX/XXXX. How could the account be placed with them in XX/XX/XXXX when XXXX XXXX XXXX was still reporting the same account in XX/XX/XXXX then deleted in XX/XX/XXXX after I followed all proper procedures to have it removed??? This collection agency is using illegal tactics to get consumers to pay collections they do not own.
This is a continuation of 3 complaints already submitted. I am trying to put all of the pieces together little by little. 

On XX/XX/XXXX we were granted a HELOC on the property at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The amount of the HELOC was {$46000.00} thru XXXX XXXX XXXX. 

This loan was being handled by HSBC as of XX/XX/XXXX. I paid on this loan, to HSBC, for 4 years and never saw a decrease in the principle amount. The statements I received never addressed the loan rate nor any monies being given credit for. That continued for the four years I paid on it, not knowing what the terms of this loan were. For how many months nor the interest rate, because it was never recorded with XXXX County Clerk and Recorders Office when the Deed of Trust was recorded. Not until I filed my complaint with you did I finally receive this important information. 

The payments I made over 4 years never reflected any decrease in the principle amount. I took it as blind faith that this loan was made with honesty. But this was during the mortgage banking problems that were happening at the time. 

Because of this lack of information, it gave me cause to doubt the legitimacy of this loan causing me to default. I had no idea of the terms of this loan until XX/XX/XXXX with your help. 

HSBC charged off this loan on XX/XX/XXXX and then sold to XXXX/XXXX  on XX/XX/XXXX. For 4 years I never received any correspondence from either cpany until I began receiving statements from XXXX showing a balance due on this loan as being {$46000.00}. Why was I not made aware of this for 4 years and why did it take 4 years before the collections started. 

The balance due was reflected on all statements I received until XX/XX/XXXX when, again with your help, HSBC finally sent the information showing a balance due of {$49000.00}. Had I been aware that some of my payments had been credited to the priciple balance I would not have defaulted at all. The payment history furnished by HSBC shows I was making payments continuously, without cause for default, until I started questioning it's legitimacy.
Equifax I have filed disputes sent Reg Mail and have yet in 6 months time after time to get any information removed or a credit report. have filed several complaints about disputes wrong information. Equifax does not respond nor return any disputes filed. 
Equifax has a lot of wrong information on file that I have proof to back up what Equifax has on file.
I noticed that my balance was low so I checked my transactions I noticed 2 charges on my account XXXX XXXX for XXXX and XXXX XXXX for XXXX both charges on XX/XX/XXXX I called american express serve and filed a fraud complaint and I was told that someone used my card to purchase airline tickets online in their name not my name and they let the charges go through anyway so i filed the complaint and ordered a new card. On XX/XX/XXXX I received an email stating that my complaint was declined. How can they let someone use my card in their name and then decline the complaint.
In XX/XX/XXXX I placed a credit freeze with Experian. In XX/XX/XXXX I tried to remove this freeze and I had a problem. I was told that Icould mail my passport, social security card andbank stayement copies to a TX XXXX  XXXX or upload them to the internet. I thought maybe I forgot my PIN number. I was not comfortable with those options so I ttied calling.They were not helpful at all. 
Later I found the email with my PIN number and realized it was correct and attempted to contact them again. They are very evasve and rude. 
Now yhe only option is to mail sensitive information to a XXXX XXXX XXXX in TX with no tracking This is unacceptable i have tried again to contact even on social media but to no avail. 
I have a serious medical issue and need to unfreeze my credit and I am being held hostage by Experian Please help me. 
XXXX XXXX
XXXX XXXX and XXXX XXXX XXXX are reported as open. They were both included in my Bankrupcy which was settel in XXXX in 2015. Both have been
On Saturday XX/XX/XXXX, I signed an agreement to purchase a used XXXX XXXX XXXX at a purchase price of {$10000.00}, with a rebate of {$2700.00}, plus a down payment of {$400.00} which would make a balance to be financed of {$7600.00}. I received my first payment invoice on Thursday, XX/XX/XXXX, indicating my first payment of {$350.00} would be due on XX/XX/XXXX. After reading further I noticed a balance of {$13000.00}. I never received a copy of the Retail installment contract and security agreement. I recall being told that the purchase amount would be financed at XXXX percent for 36 months. After reading that {$13000.00}, as the balance, I further learned that {$350.00} was for 72 months, not 36. I would not have agreed to that. I would be paying over {$25000.00} for this vehicle. I can't seem to get anything done with the dealership or Volkswagen credit. Please help me resolve this matter. I'm not paying {$350.00} for 6 years. 36 months is reasonable. Please assist me in getting this straightened out before my first payment is due.
I contacted XXXX XXXX XXXX on XX/XX/17 and asked them why they accessed by credit file on XX/XX/2017 and why they have put a Hard Inquiry on my Transunion credit file without my authorization they transferred my call around and I got no reply.
XXXX XXXX XXXX appear on my credit report XXXX/XXXX/18, I was never given the oppurtunity to resolve the debt with them before it was added on to my report and they are also not licensed to collect debt here in Arkansas where i currently live.
They called my neighbors  and call late and harrased me ,said i need to goto worktold them i was sick.etc
Caller asked for a payment for a card I did n't open. I called my attorney and asked if I had this card ( he did a debt consolidation ) which he said no. I have the following info : Rep or caller name : XXXX XXXX XXXX XXXX XXXX XXXX Amount due {$3000.00} Card opened : XXXX XXXX XXXX Last Pmt : XXXX XXXX XXXX Card number XXXX I wrote the FTC who advised they do n't handle businesses. ref # XXXX
I have a credit block on my credit file through all three main credit reporting bureaus. I am trying to apply for a new loan. My credit union is under contract to only use Experian. I recently submitted a complaint against them because I couldn't unlock my credit file. I kept at it persistently and was finally able to get an unlock on my credit file, on XX/XX/XXXX. I placed the lift on the credit block from XX/XX/XXXX to XX/XX/XXXX. My bank could not view my credit report all day Thursday or Friday. Friday I contacted Experian. After waiting on hold for over an hour, I finally spoke to someone. The unidentified male told me to just wait until Monday, he was sure it would lift by then. Unable to get any further information from him, I ended the call. Monday the credit union was still unable to get my credit report. I then called Experian and waited two hours on hold. I finally hung up no able to speak to anyone. I then tried again today, Tuesday to speak to someone and after waiting one and half hours on hold, I hung up again, unable to get anyone to answer the phone. My application had to be completed today due to a deadline. They were unable to complete my application because Experian refused to release my credit report. Though they did manage to charge my credit card to release the credit report, but failed to actually release my report. By the way, that's called fraud. To pay for a service and not receive the service.
I am now 3 weeks into a problem with XXXX XXXX returning a large sum of my money that they did not credit to my account. The company claims that since XX/XX/XXXX they returned it using the wrong account number. Their most recent claim is that they have turned the {$2500.00}. over to XXXX-a company about which I have no information or contact numbers-and that they are unable to provide me with a timeframe as to when XXXX will complete the return of the payment. This is inappropriate and unacceptable. How can a reputable bank be unable to know where my money is or when it will be returned? This banks practices need to be examined.
Every since i started making complaints with CFPB about Equifax, they have blocked my internet access to view my credit report or dispute items on my credit report at ( https : //www.ai.equifax.com/XXXX ) now that i have complained about Equifax Inc i am having problems i did not have before. 
I would like Equifax to stop bullying me and restore access to my account, credit reports and my dispute results. 
I also believe Equifax Intentionally mispelled my address again after it waas corrected. 
( They have my adress as XXXX XXXX XXXX ) - ( My address is XXXX XXXX XXXX ). 
That intentional change of that 1 letter has caused me problems and financial difficulty. 
It should be listed as XXXX not XXXX.
I have been trying to refinance a current loan with the same credit union, the process began on XXXX/XXXX/2015 and I am still trying to close ; I have responded to all requests in a timely manner - with the exception of a request for association condo insurance coverage, which finally got resolved. I feel that I am getting the run around and I do n't know why, I am now responsible for charges of over XXXX dollars regardless if the loan is processed or not.
XXXX has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX/XXXX -XXXX XXXX XXXX - XXXX - XXXX/XXXX - CitiBank I am filing this complaint because all of these have negatively impacted my score.
My ex-wife has custody of our children and is the responsible party for medical bills, after pay them she is to submit copies to me so that I can reimburse her. 

A debt collector is calling for a doctor demanding that I pay. For some reason my information was given and not my ex-wife 's. I have given the debt collector the information but instead of call the proper person they keep calling me. I have also suggested they send me a copy of the bill but since I do not live at the address they have of record they will not provide me with any papers and simply say 'it has already been sent to the correct address. ' Heck, the doctor provided a service and deserves payment but I can not pay without seeing what it is that I am paying. 

Since I am not the responsible party, ( they do n't even ask for me on the phone but rather the XXXX child - they did n't even have my name until I gave it ), all I ask is they stop calling me 3 times a day or send me a copy.
On XXXX XXXX, 2016 my father died. He had a certificate of deposit with Bank of America. My brother and I qualified as co-executors of his estate and on XXXX XXXX went to a local branch of Bank of America to close his account with our proper identification, a death certificate and letters testamentary issued by the court authorizing us as personal representatives of the estate. We were not allowed access to his account and were told that a " case manage would contact us within a few days to give us our options ''. I am an probate attorney who regularly closes accounts at various banks in North Carolina and I have never been denied access to an account when presenting the proper documents.
In reviewing my most recent Capitalone statement it came to my attention that, though the beginning balance on my statement was {$5000.00} and I made payments during the statement period totalling {$4400.00} leaving a remaining balance of {$630.00}, I was charged over {$100.00} in interest for that period. I saw on the statement that the amount that was used to calculate the interest was {$5400.00}, which made no sense to me. 
When I called to inquire and ask why the interest was calculated on that amount rather than the {$630.00} that represented the remaining balance, XXXX ( laughing ) told me that the interest is based on the " average daily balance '' inclusive of new purchases? I asked her when this changed as I have had this account and used it regularly for nine months, have always followed the same pattern of paying as I go with this account and have never paid any amount of interest before. Continuing to laugh, she said she would refund the {$100.00} and make a note in the file. I advised her that in all my years of using credit cards, not XXXX company has ever charged interest on new purchases before the statement is even issued. She continued to laugh and I advised her that I would be contacting you with a complaint. She laughed again. I told her I was happy she was having so much fun on her job. I think it 's time to close this account as I have been hearing this company has not been treating consumers fairly. Now that I have had my own experience, I believe it 's a good idea.
A few weeks ago I request my sears card from citi bank be re issued due to the card being lost and the representative told me they couldn't issue me a new card because my account was delinquent and I had to pay off the entire balance before I could a new card and today it was near impossible to close that account after paying it off, the rep tried to keep me as a customer which I understand working in a bank myself. But he mentioned if I did close my card he couldn't send a complaint since I expressed my frustration about the previous rep who answered the phone, after telling him I still wanted my account closed his attitude went from nice to annoyed and closed the account then hung up the phone.
This company named general revenue service contacted both my mother and husband in regards to a alleged debt that is owed. They would not tell either of them what the call was in regards to and what their company did. I myself contacted them after to find out why they were calling and they could not give me an answer. I spoke to a representative who proceeded to yell at me when I told him not to contact any third party other than myself or my attorney. I then proceeded to ask what the call was in regards to and he could not tell me.
I had a debt with a phone service which I paid thru XXXX. So I checked my credit report and it says that I still owe for that phone bill but now it 's says from diversified agency. How can I take off this XXXX debt from diversified?
On XXXX XXXX XXXX, I requested a credit freeze from all three major credit reporting agencies ( XXXX, XXXX, and Equifax ). I mailed letters to the three credit reporting agencies and provided the required documentation. I promptly received letters from XXXX and XXXX which froze my credit report and provided me with a PIN. I have yet to receive a response or a PIN from Equifax. I know Equifax received my letter because they deposited my personal check of {$10.00} which cleared on XX/XX/2017. 

I tried using the Equifax website to log a complaint but their website is useless and does not provide a way to email a customer service representative. There are only service phone numbers which are of no use to me because I do not have the time or patience to wait on hold on the phone for hours. 

I would greatly appreciate if you can help me resolve this issue. 


Thank you.