WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XXXX XXXX I was involved in a car accident ( I was rear-ended by a men whom provided the wrong personal information ) therefore I was obligated to file a claim against my insurance company. My company paid the car off to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX. XXXX the amount that was paid in full {$8800.00} Check # XXXX XXXX Insurance company kept the wrecked car ). Unfortunately I did n't have gap insurance therefore the was a balance little over $ XXXX at that time they were demanding the payment in full which I did n't have. I was not familiar with the process and requested payment arrangements however I never heard back from them. Now they are misreporting to the credit bureau showing as a repo with a higher balance $ XXXX
Gla collections  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   This company has called me many many times, on my cell phone via automated message stating my full name and my doctor 's name. The above is only a handful of times I 've been called and it never stops. This is a very old debt and I do not wish to be called nor do I like my personal information be given out on my voicemail.
My family was experiencing a significant financial crisis due to years of only one paycheck, a 5 person household, and mounting debt. I received several advertisements regarding BHG 's financial services. I explained that we were in a financial crisis and was interested in a consolidation loan. Unfortunately, I was encouraged to proceed with the loan and was not given much details. For one, I was never told that they would set up the loan as a " business loan '' and use my name as a corporation which does not exist. Secondly, the contract was set up to sue including applying a XXXX lien on my home if I was unable to pay. I was also not informed that there would be a prepayment penalty and that I would end up paying twice the amount of money that I borrowed. I ended up paying them back a large portion of the money that I borrowed just in monthly payments over the course of 12 months. My monthly payment to BHG was XXXX dollars per month in addition to all the other monthly expenses that I owe. I ended up having to take other loans out just to pay them monthly which has doubled my total debt and eventually led to our situation spiraling into financial ruin. I feel like during a desperate time in my life, I was misled and now my family is at risk for losing everything. They are unwilling to negotiate and continue to threaten us with taking everything from us.
Ditech has reported a payment with a code XXXX instead of a code XXXX on my credit report. It is preventing me from refinancing and has caused one of my credit card companies to suddenly lower my credit limit. This code XXXX stands for a bankruptcy or foreclosure. I have never made a late payment to them or anyone else. All of my other accounts report all code XXXX with the exception of Ditech. They told me upon calling them that they do not report my loan at all, yet I am looking at it on at least XXXX credit reporting agencies.
I disputed a Bankruptcy reporting on my credit file back in XXXX 2017. I advised the information being reported was inaccurate and asked for XXXX to remove the BK. While the dispute was in process, I received an updated credit alert from XXXX showing the BK was removed from my credit file. I also called and spoke with a representative and they verified no longer was there a BK reporting. On XX/XX/XXXX, I received a letter from XXXX with confirmation stating a result from there re investigation stating they verified Public Record Information of a BK with a third party vendor by the name of XXXX Consumer Center. I immediately contacted XXXX to verify what is listed on my consumer file with them and the representative advised they DO NOT SHOW any public records at all on any of my consumer files with them and XXXX could not have verified this information with them. 
XXXX  continue to make illegal updates on my credit file and they continue to report inaccurate information as if they have verified this information and they do not verify as well, as the inquiries on my credit file that, they fail to assist me with disputing the inaccuracy of things being reported on my credit file.
Last fall my husband and I paid off our mortgage in XXXX XXXX XXXX with Nationstar Mortgage. <P/>-We never have received a release of loan. -No recording was done with our county that our loan has been paid. -We were told and was sent a document that our taxes was paid off. The taxes were never paid last XXXX. We paid our taxes with extra fees last XXXX. -Escrow statement sent to us shows money missing the bank can not tell us were it went. <P/>Our main concern is that we have them to send the county a release of mortgage to show our home is paid off. <P/>Any help will be much appreciated.
On about XX/XX/XXXX I contact XXXX XXXX XXXX, My loan officer prior to closing a refinance deal on my home said I had a lien with a creditor XXXX XXXX XXXX from XX/XX/XXXX when I filed for bankruptcy in XX/XX/XXXX. After receiving my updated information and SSN # there has been repeated attempts to close this case and bring it to an resolution and they will not return my calls. I can not close on the refinancing of my home and it's holding me up. XXXX XXXX is my contact person. Can you please up me in dire need
This company calls 6 times a day from different phone numbers all over the country. 

I have asked them to stop but they call non-stop. 

The people are extremely rude. 

It is PURE harassment, I have ask repeatedly not to be contacted by this company.
I am writing this for my sister in hopes that we can finally get some resolution to an ongoing matter.     My sister and my family have been having nothing but trouble with the lende r, Navient. They are EXTREMELY malicious and will NOT stop calling. They call ~8 times  per day and we have told them  REPEATEDLY that my sister suffered a MAJOR health ailment last year where she almost passed away. She is NOT currently working full-time because of this ailment and is still on a VERY long road to recovery. After lodging multiple complaints with the lender and a complaint with the BBB, we were promised paperwork for her and the doctor to fill out describing the severity of this ailment, but this paperwork never showed up after almost 3 weeks. We also know that there are MULTIPLE lawsuits against Navient about their p ractices and giving false information about individuals loans which led to credit issues with these individuals. NOW they are threatening to report what is going on to the credit bureaus. THIS IS NOT ACCEPTABLE and we need something done about them.
I got divorced XX/XX/XXXX as part of the mediation I was awarded the house. I was to refinance the house and my ex-wife was to receive XXXX  dollars upon new mortgage. She signed a quick claim deed and waved all rights to the home. In the refinance I was to pay off the old loan which I did so her name is off and the new loan only in my name.

I closed on the new loan with 3rd federal on XX/XX/XXXX. The old loan was paid off within a couple of days and I was sent a escrow check with My name as well as my ex-wife name on it. I called up to complain since I have no idea were she is and no one that we new has heard from her.

They said they would re issue the check only in my name. Another month went by and I got another check made out in both our names. So I called back and asked to speak to a manger. They told me they would reissue the check only in my name. I didn't receive a check so I called again and they told me the check was sent out and was in both our names again. So I asked to speak to the manager. They told me the check wasn't sent out.

Now they connected me to another supervisor and they said if I sent in my mediation papers plus the signed order from the judge and the quick claim deed they would issue the check only in my name. So I did that that the week of the XX/XX/XXXX.

I called today XX/XX/XXXX to verify the status of my check and they gave me the same story that it could only be issued in my name.

I have no way to get in touch with my ex so they told me to reach out to her family. Well her family consist of her XXXX  year old mother in XXXX who does not speak English and I have no phone number. So basically they will just attempt to keep my escrow.

All the money in the escrow account was my money. My wife left in XX/XX/XXXX she did not pay one penny into the account in which the mortgage payment was paid out to loancare.

Also when they had XXXX of my money they did not pay my flood insurance on time and my homeowners insurance on time so both were canceled for non payment. They also dragged the heels on paying the taxes until I called up. All the time sitting on my money that I paid in.
# 1 THIS ACCOUNT DOESN'T APPEAR ON XXXX. It needs to be ADDED. 

# I've had a mortgage with UBT since XX/XX/XXXX that is not appearing on XXXX  or TRANSUNION although UBT claim to have reported it to all 3 Bureaus. It has not appeared since XXXX. In my last complaint with UBT, I was told by them, the reason XXXX  could not report it was due to my name needing to be changed to " XXXX '' which I promptly did even though the credit with this account had always been set up with XXXX. However, even after doing this, it still does not appear on XXXX. 

# AFTER I contacted XXXX about this issue it was promptly investigated and fixed. XXXX investigation of XX/XX/XXXX reported ( see attachment ) A maximum lates in XXXX and XXXX to be 90 days. XX/XX/XXXX 's visual depicted XX/XX/XXXX as CURRENT - PAYING AS AGREED. Today, UBT is reporting a late payment in XX/XX/XXXX which is NOT THE CASE as the account has been current for the last 12 months since XX/XX/XXXX. In XXXX, it will be 12 months since it was ever late. 

# 2 ISSUE - THE BILLING STATEMENTS ARE WRONG. They do not reflect the 15 days of grace pursuant to Federal LAW but instead only allows for. 10 days of GRACE. 

# 3 ISSUE - THE ACCOUNT IS WRONG IN ITS ENTIRETY. 
Since XX/XX/XXXX, I have paid an additional {$10.00} along with the {$690.00} and instead of the balance going down it appears to going UP as it states as of today to be {$32000.00} when the balance was {$31000.00} in XX/XX/XXXX as reported by XXXX. 

This account was late as depicted in XXXX  's investigation as ( XXXX ) ( i.e., XX/XX/XXXX ). If this were the case, the late payments should only be a TOTAL of {$900.00} ( XXXX XXXX ( XXXX ) / XXXX x XXXX ( XXXX ) = XXXX / XXXX x XXXX ( XXXX ) = {$310.00} -- a TOTAL OF {$900.00} NOT {$2000.00} that is currently being reported ). FURTHERMORE, if the late payments are being calculated after 10 days instead of 15, then this would change the late payments entirely. 

As it stands, I want this account to start reporting to XXXX correctly. I would like to receive the entire history of this account from XXXX to the present immediately so that I can have my accountant go over it with a fine tooth comb to correct any late charges that have been assessed erroneously, and the BILLING STATEMENT CORRECTED TO REFLECT A 15 DAYS OF GRACE as prescribed by federal law. 

# 4 ISSUE - UBT HAS NOT GIVEN ME THE REQUESTED HISTORY FOR THIS ACCOUNT. 
I have requested the entire history of my account from XX/XX/XXXX that I have NOT received # 5 ISSUE - THE MORTGAGE BILLING STATEMENT IS WRONG I requested that my Mortgage Billing Statement be corrected to show a grace period of 15 days. and for this account to be ADDED to my EQUIFAX file. It has not appeared since XXXX. XX/XX/XXXXinvestigation shows the following XX/XX/XXXX as XXXX. # Based upon the erroneous Billing Statements, I do not believe that this account was ever 7 Tims 30 days late ; 5 times, 60 days late 5, or, 2 times, 90 days late. 

# THE END
On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Barclaycard requesting that I contact them regarding my XXXX XXXX XXXX XXXX MasterCard account # XXXX. They stated that they had placed restrictions on my account. I had called Barclaycard about a week previously requesting a replacement card because I had accidently destroyed my current card thinking that it was a XXXX issued card which I had cancelled so I was surprised to receive their letter. An agent named XXXX who refused to give me his ID number or last name asked me many questions for 20 minutes, placing me on hold repeatedly while he checked with someone. I am almost XXXX XXXX XXXX and have a XXXX so this was tortuous. I found XXXX XXXX, bordering on rude. He demanded that I FAX to him at XXXX my Social Security card, drivers license, utility bill, passport, or birth certificate in order to verify my identity. I found this extremely invasive and did not want to risk identity theft or fraud ... but I did FAX Barclaycard a copy of my utility bill. Today XXXX XXXX, 2016, I received a call from a XXXX, ID # XXXX, who told me that our utility bill was not sufficient, that I must FAX my Social Security card, drivers license, passport, or birth certificate in order to verify my identity. I told her that I was not willing to do that, that I may be old, but I do not consider myself foolish nor would I risk sending such private identity information to a credit card company just to verify my existence. I had had enough. I asked that she transfer me to Barclaycard Customer Service so that I could cancel my credit card because I wanted nothing to do with Barclays Bank of Delaware ever again! She told me that she WOULD NOT transfer me to Barclaycard Customer Service and THAT I COULD NOT CANCEL MY CREDIT CARD ACCOUNT until she received copies of my Social Security card, drivers license, passport, or birth certificate. That is simply absurd. Barclaycard is holding me hostage ... indeed! I strongly protest! There are no charges or bills pending on my account and all past bills have been paid in full and on time. Can you please help me? Thank you very much. 

FAIR RESOLUTION : Allow me to close my XXXX XXXX XXXX XXXX MasterCard account # XXXX credit card account with Barclays Bank XXXX Delaware doing business as Barclaycard without prejudice and make certain that any and all credit reports show that my account was OPEN and IN GOOD STANDING, that all past bills have been paid in full and on time, that I requested the closing of my credit card account, and it was NOT closed at credit grantor 's request.
XXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXX XXXX has been unresponsive in resolving this issue.
Barclaycard US lowered my credit limit to just about match the balance on my card. This increased my debt to credit ratio, hence dropping my credit score, when I did nothing wrong. I was not late on a payment nor did I go above the credit limit. Frankly, I have never been late on a payment in my entire life. My credit report is perfect, but I do have debt. I understand that lenders will frequently evaluate risk and have the " right '' to lower the limit, but setting the limit to match my balance was not fair. This practice frankly should be illegal. If I ca n't just increase my credit limit whenever I want then they should not be able to decrease the limit whenever they want. I do n't deserve this or the negative effect it will have on my credit score. I have been trying to dig out of massive debt since I graduated college 10 years ago, and moves like this by lenders to not make this goal any easier.
I am filing a complaint against Equifax. On XX/XX/2016, I requested the removal of a Chapter XXXX bankruptcy on my Equifax credit report due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2016, Equifax responded and said the information was verified by XXXX. I made contact with XXXX who confirmed that nothing was verified due to a security freeze being in place. 
My question is : How was Equifax able to verify this information if XXXX was frozen?
i had a issue with XXXX XXXX XXXX i dont owe any balance on the account but they put my account as fraud activity and reported to the consumer reporting agency and i have explain the issue what had happend that it wa a honest mistake my spouse had made he accidently deposit the wrong check and we had called next day to confirm the mistake and the bank of america supervisor had informed us that it should not be any problem it will just get returned check and get an fee. 
few weeks later we got a call from risk dept from BOFA stating that the account will be closed due to fraud activity? but we were informed by the customer service manager that it shouldnt be a issue so im writing this letter. 
please help us solve this issue. 

this was like in 2016 XXXX sometimes
I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they hae on file for me. There are 3 different accounts ( XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$1400.00} and XX/XX/XXXX for {$410.00} ) they supposedly have on file for me. They keep calling and reporting false information to my credit file. They have not sent are VALIDATION to me and instead sent a letter that they have VERIFIED that I have dept with them. Two of the 3 accounts are listed on my credit file and I am not even responsible for debt even dated back that late in time. I would appreciate if they would cease trying to collect falsified debt from me and remove those false accounts they say I have with them from my credit file. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.
I contacted XXXX XXXX XXXX two months ago to request that my credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy that was filed XX/XX/XXXX. The XXXX XXXX account on report was corrected about a month ago but this month the account is again showing charge off collection/skip status, which is violation of chapter XXXX bankruptcy stay of creditors. 

Although again attempting to resolve this issue, XXXX advised me to once again dispute with Equifax ( copy of email attached ). I have disputed online previously with no success -- only XXXX was able to update report couple months ago. This same issue has occurred with two other creditors as well and ONLY with Equifax, not the other credit reporting agencies. Equifax continues to change accounts that have been included in my ACTIVE bankruptcy for nearly five years to charge off/collection status, which has been VERY INFURIATING. If my Equifax report continues to show unlawful information for accounts included in my bankruptcy case, I will be filing a lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy automatic stay statutes. Enough is enough!!
Ocwen has refused to transfer my call to a US based representative, time and time again. They place me on hold, get an off shore supervisor, place me on hold again and then hang up after 5 minutes. I can not conduct the important business on my account because they refuse to honor my request to speak to an US based personnel.
I responded to a sales call about a XXXX XXXX which I later found was a unwanted timeshare contract. I requested that my membership be cancelled but the company called XXXX ( XXXX XXXX XXXX XXXX ) would not cancel the service. They kept part of my deposit and are reporting a {$10000.00} debt on my credit report. " I am disputing a purchase charge to XXXX because the merchant will not voluntarily refund money I paid for a membership in a travel club. On XXXX XXXX XXXX the XXXX XXXX  promised me a membership that promised me several weeks of stay time at a low rate. When I called to book a week stay room at that rate they informed me that lowest priced room was unavailable and I needed to pay more and upgrade room. Second they told me that the alternative low rate mini vacation rate was also unavailable. Last but not least they told me that I could only take advantage of the low one week rate once a year. I called XXXX XXXX to discuss the terms of the contract on with XXXX XXXX and was not satisfied with the terms. On XXXX XXXX I explained to her that they did not fully explain the contract and I wanted a refund but they will not refund the money. I called my credit card company to dispute the contract that day. I also Faxed a rescission contract that day. They asked me how I knew about the rates because my ID had not been issued yet and that is because they offered me two free vacations that I could not book for 2 months and I wanted to vacation before that time. So I called the XXXX XXXX XXXX they provided to me and told them that I wanted immediate booking and they gave me my rate info. On XXXX XXXX XXXX Called spoke to XXXX in Membership department asked why money had not been refunded told me dispute was pending. They have reported account to collections who is reporting Negative credit info on my credit report : Account Number : XXXX Amount Delinquent : {$9500.00} Payment Status : Collection/Chargeoff Consumer Statement : Account information disputed by consumer, meets FCRA requirements Creditor Name : MONTEREY COLL SVC Creditor Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX
The company is XXXX XXXX. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting XXXX the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,
I have been attempting to lower my payments with Navient for over the past year, they have told me no until recently.However, the payment they offered was still impossible to make. On XX/XX/2017, I spoke with my assigned specialist, XXXX, and made a {$50.00} payment. I was told by the XXXX that they were placing loan XXXX in to a 7 month forbearance since it was the most at risk of default. On XX/XX/2017, the payment cleared my account. Navient is not showing this payment in my payment history and all three of my private loans are still in repayment. Over the past several months they have sent me numerous letters indicating I am at risk of defaulting. I have made regular calls and each time I am told that they have been attempting to reach me for months, this is completely false as I continue to call them and attempt to make payment arrangements that are realistic.