WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is about a payment I made that was not recieved by credit card company XXXX XXXX  on XX/XX/2018 I made payment online that was comfirmed by XXXX XXXX XXXX web site, that the payment went through and would be process ,30 days later I discover to my surprise that I had been reported to the credit bureaus by XXXX XXXX for late or never received payment.My payment was never received by XXXX XXXX  although i made payment on their web site when i called XXXX XXXX they told me if i tried to make a payment on line using a cell phone that the payments or not received that way and that i must first download a certain app to pay from my cell phone, I had no information about this needing to download an app before hand, XXXX XXXX didnt inform me that i couldnt pay this way nor did their website explain anything about needing to download an app to pay when using a cell phone.
I signed up with Barclay Mastercard with paper statements however somehow I was turned over into paperless statements and never received them thus making me late on payments. I called to resolved it takes them 2 monthly cylces to get caught up making them paperless. I would never intentionally sign up for the paperless statements. These statements went into my spam box.
My account was overdrawn and I deposited via banking app my paycheck to cover it on  XXXX . I checked the next day  XXXX  to make sure everything was ok and my account shows s a ten da y hold on the deposit. I deposit my paycheck the same way for the same amount every week and there has never been a hold before. I contacted the bank on  XXXX  and was told that it was for my protection so it could be verified. I told them that the check is from my business and it is good it did n't need verification. I asked to speak with a supervisor and spoke to a gentlemen named  XXXX  and he checked into the situation and stated that nothing could be done and suggested that I deposit more money or I would keep being charged for the overdraft. How can this bank continue to do this to people. I have been banking with the same branch for over thirty years and have stayed th ru six different b anks being bought out but this will be the last B ank of Americas creativ e banking techniques have to be stopped. This bank will continue to take advantage of people because they are allowed to by our government agencies.
I paid off this loan and it was overpaid by {$650.00} in XXXX. XXXX ( I think is Santander Bank ) said I would have the refund no later than XXXX XXXX. I called and they said they issued me a pre-paid debit card through XXXX, but I never received. I have called several times and have not been able to get my issue resolved or my funds released back to me. At one point they were telling me it was my responsibility to contact XXXX to get them to re-issue the debit card. When I called XXXX, it 's an automated voice response system that requires a XXXX digit account number. Because I never got the pre-paid card, I have no account number so XXXX could n't help me. I called XXXX back and asked for a manager and said if they did n't help me I would go to the CFPB and the agent said because I said that she had to hang up on me. I called back again and asked for a manager, who told me again I would have to go to XXXX. I told him that XXXX could n't help me and that I wanted to speak to someone above him. He then transferred me to the " office of the President '', where I left a message. Noone has contacted me back to resolve.
I tried to get a modification from Caliber Mortgage. I believe they intentionally stalled so that I could not get the modification. I gave them all of the information they asked for. They said they resended the foreclosure XX/XX/XXXX. And because I did not submit certain documents ( And I did ) they presumed the foreclosure. I was never notified about the XX/XX/XXXX foreclosure. They did not do things correctly. If you look on the previous complaint and their response you would see that they said they resended it in XXXX.Yet, they sent me a letter saying they did it in XX/XX/XXXX, and XX/XX/XXXX. ( All confusing ). I am very upset about all of this. They really never tried to help. If it was foreclosed in XX/XX/XXXX I should have been notified before XXXX. Please look in to this situation for me. My husband passed expectantly, they know about it and I believe they are taking advantage of me in my weakest, and during my time of bereavement.
After speaking with an agent and telling them when I could make a payment, I received XXXX calls a day starting from XXXX to XXXX every day since the call. When they call and I pick up, there is no one on the other end and it hangs up. I understand if I paid my bill on time I would not have this problem but I have been in XXXX accidents and have had my identity stolen and am trying. I feel this practice MUST stop because it affects everyone in my home.
I have received a letter from XXXX about Green Tree Servicing. I am responding by saying I have never received a check in the mail.I have called and spoke to someone about it. Maybe I 'm not at the right website but I would like to make a complaint about them. I understand that times I have been late and my credit is not that good but they have harassed me for years with nasty threatening phone calls. My account is always messed up causing lots of late charges. I have tried to make arrangements to correct my account unsuccessfully.Thank you for bringing this out.
XXXX sisters loan from XXXX XXXX shows on my credit report. The loans account last XXXX is : XXXX with the amount of {$1100.00} and it is charged off. I am not liable for this collection and it needs to be removed and placed on the correct persons credit report.
I was wrongfully foreclosed on by Carrington mortgage services and XXXX, XXXX XXXX XXXX XXXX and suffered physical and emotional damage as I was being evicted from my home in 3 days by the purchaser of my home at the county auction in XX/XX/2018. I did not pursue legal action and I was forced to reapply for a loan modification. I sent my mortgage application in but was denied on XX/XX/2018 due to not having a complete package in because of a hardship causing me to be delaying in submitting additional documents. So I in turn sent in a complete package which they acknowledged when I spoke to them on XX/XX/18 to XXXX. I spoke them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 several times. It wasnt until XX/XX/18 that anyone stated Carrington had to have deemed the package complete by XX/XX/18 or they would close my review. I have confirmed on XX/XX/18 that they had the additional documents meeting the deadline of the missing documents letter. Each representative assured me as soon as the package is complete the foreclosure sale date of XX/XX/18 would be postponed. The notice Carrington gave me on XX/XX/18 stating the sale date was XX/XX/18 is in error and even up to XX/XX/18 I was told by Carrington the sale is XX/XX/18 thereby stating I was within 7 days of the sale date which in fact I was not. The sale date on the legal notices is the first Tuesday of XX/XX/2018 which is XX/XX/18. On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 none of these representatives indicated one time that I was near a deadline but rather encouraged me that once my package was complete they would postpone the sale. I demand the foreclosure sale of XX/XX/18 be set aside to address these discrepancies in the mortgage loan servicing of my FHA back loan.
I sent a letter to Mendelson Law Firm on XX/XX/2018, asking Mendelson Law firm to contact my Attorney and not contact me directly again. I provided my Attorney s contact information in the letter.The letter was sent certified mail with a tracking number. The letter was delivered On XX/XX/2018 at XXXX to their address. Mendelson Law Firm has not tried to contact my Attorney. I was recently sent a letter about disputing my debt with this firm. My rights are being violated.
In late XX/XX/2018 US Bank sent me an escrow overage check for {$4300.00}, then raised my payment {$43.00} from {$3500.00} to {$3500.00}. On XXXX I sent US Bank a check for {$530.00} with instruction ( attached ) to deposit to my escrow to cover anticipated increases in taxes or insurance. In XX/XX/2018 I received a letter ( attached ) from US Bank acknowledging the deposit to escrow but ignoring my request to return my payment to the former amount. I also received a monthly billing statement for Total Amount Due {$3500.00}. I then called US Bank and asked them to take another look at my letter which they admitted was scanned into their computer and reduce my payment to the former auto debit amount of {$3500.00}. I continue to get monthly statements for the Total Amount Due {$3500.00}, the latest due for XXXX. They have again ignored my requests.
Any time I try to acquire my credit report from any agency or company, they are unable to " verify my identity. '' I have had a credit card for over eight years now, and any time I try to check my score, I get the same response from every single company.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
YESTERDAY I TRIED TO OBTAIN A FREE COPY OF MY ANNUAL CREDIT REPORT BUT EXPERIAN AS ALWAYS REFUSED TO PROVIDE ME A COPY STATING THAT I RECEIVED MY COPY. UNFORTUNATELY, I NEVER RECEIVED A FREE COPY AND I WOULD LIKE EXPERIAN TO PROVIDE ME A COPY. I CAN NOT REACH THEM BY PHONE DUE TO MANY REASONS FOR WHICH I CAN NOT EXPLAIN. I WOULD LIKE EXPERIAN TO PROVIDE ME A FULL COPY OF MY FREE ANNUAL CREDIT REPORT. 
PLEASE FEEL FREE TO CONTACT ME IF YOU HAVE ANY QUESTIONS IN REGARDS TO THIS MATTER. 

THANK YOU XXXX XXXX XXXX
I recently checked my credit report and found an account that was not my account. Upon further investigation of the matter I found that someone used my information without my consent, knowledge or authorization. I reported the incident to the FTC, local law enforcement and other agencies to protect my identity. I filled out documents required of me by law and sent the information to the consumer reporting agencies. I sent everything that I was given including report numbers and followed the instructions of the FTC. Transunion sent me a letter back with a Transunion Identity Theft Victim Assistance Affidavit requiring me to fill it out. Transunion additionally claims that the information that I sent in was missing essential personal identifiable information which is not true. I can submit the information sent to Transunion to prove that every aspect of the documents were filled out and a copy of my DL and SS card was sent. According to the FTC and the FCRA I am not required to fill out the companies form. I sent in a filled out FTC Affidavit with an FTC complaint, a report number, my DL and SS card which was required of me by law. The following account is not my account and I request that it be removed. 
XXXX XXXX XXXXis not my account.. Please remove this account from my credit profile.
A XXXX XXXX called me to say that he was a dispatcher with XXXX and was trying to schedule a time to have me sign some documents. Said the documents came across his desk as marked " urgent '' and " requires recipient signature. '' Also stated it would be out for delivery at XXXX to my home address. I was there, no one ever showed. Called again the next day, stating this was the final attempt and that " redelivery would be shortly after XXXX at the jobsite listed, and that this would be the final attempt before he or his representation would need to pick this up. '' Left me another message at work stating that I was n't there when they tried to drop off documents and that I needed to set up a time where I and my HR director needed to sign documents. I needed to call the office at XXXX ( Will add an alert on this number as well ). After doing a bit of research ( not my first rodeo with XXXX like this ... ), I found the number of XXXX to be identical information to my experience. I called both numbers and got a similar " call center '' type of background noise on both. Phone answered by a XXXX XXXX XXXX, and a XXXX XXXX. I was transferred by XXXX XXXX to a XXXX XXXX who told me that I had paperwork out for delivery. I asked for the company name, and she told me Black Rock Mitigation. I asked for an address, and she told me that it was useless to send anything because they do not answer their mail ( certified letter in the mail for debt validation mailed today to cover my bases ). She gave me an address of XXXX XXXX XXXX, XXXX, NY XXXX. I also looked up Black Rock Mitigations LLC and found an address of XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. XXXX images looks like this is an shady warehouse/office space. I asked XXXX XXXX if they were a debt collector, and she told me that they basically just finalize matters and send information, that there was a civil matter filed and they were putting me on notice. Would not commit to being a debt collector. Did not try to collect on a debt, but referred to a bogus debt of {$3500.00} saying there was a civil suit filed ( none has been filed, as I checked with the XXXX today ). These people are a scam.
I requested a validation of debt and recieved an account summary instead which isnt clear. There is no contract with my signature, nor is there any breakdowns of charges or payment history.
In XXXX 2015 i accessed my free credit report and noticed a Medical bill. I have disputed the bill every mmonth since then 4 times. XXXX and XXXX removed the innaccurate collection. XXXX is still reporting that i have a collection. I have called Account Resolution Services multiple times and asked them to validate the debt and provide more information which they have not done to date.
On XX/XX/18 I noticed on my credit report that there were 3 hard inquiries that were not mine. Since they would bring down my credit score I called TransUnion to have them removed. The first person I talked to didn't speak English well but did tell me that they couldn't do anything for me so I asked for a supervisor. XXXX the supervisor told me that they can't take hard inquiries off my credit report even though I did not apply for credit from these companies. He said that I must get in touch with these companies and ask them to submit letters of deletion. I told XXXX that they are not responsible due to the fact that I did not give them any of my information. I also told XXXX, that my son who has the same first name as me, applied for credit to these companies. I also tried to explain to XXXX that my son and I have different dates of birth and social security numbers but he did not care. TransUnion does not check social security numbers or dates of birth JUST NAMES! Very IGNORANT people! TransUnion is lowering my credit score through no fault of mine and they REFUSE to help!
I sent a payment in and they refused payment so therefore I do n't owe anything. I have a bank copy of the rejection of payment. They never got back with me. So I just let the file go. Yes they sent me a bill. They never sent a bill until I requested and then it was n't the amount that was agreed upon. The amount was higher. Since they rejected my payment I believe I do not owe the monies.
Greetings, I have initiated a multiple disputes with XXXX XXXX XXXX over the past few months to DELETE / REMOVE any reporting in regards to the unauthorized Charge-off account they have failed to prove belongs to me. It is also the responsibility of XXXX and EXPERIAN to report accurate accounts/information on personal credit reports per the Fair Credit Reporting Act. I have provided all requested documents to XXXX AND EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have failed to respond and prove/validate contractually the charge-off account belongs to me within 30 days. Below is the reporting account that should be Removed / Deleted from my XXXX   AND EXPERIAN credit report. Also attached is a copy of my police report for your records. 

EXPERIAN Reporting Charge-off Account : XXXX XXXX XXXX - Account # : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED XXXX Reporting Charge-off Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
I am filing a complaint against my credit card company continental finance on XX/XX/2018 at XXXX XXXX XXXX and spoke to ms XXXX I wanted apply for a credit line increase that I was told when I called XX/XX/2018 to pay my bill increases are every six months ms XXXX inform that it I should wait until the XX/XX/XXXX to apply for the increase I would have a better chance because the XX/XX/XXXX is my closing date I believe what she told me and I waited the next day I call after looking at my account and I seen was XXXX charges had hiot my account in 24 hours I immediatedly call and ask for a supervisor at the same time I called on the XX/XX/XXXX XXXX XXXX a mr XXXX inform me when he picked up the call that he was the vice president. I told mr XXXX what happened when I spoke to one of his rep ms XXXX on the XX/XX/XXXX after verifying my account mr XXXX then inform me what happened on my account he said the anniversary of opening the XXXX account fees had been applied to my account and that is why I am in the negative of XXXX and I am over my credit limit of XXXX dollars he said to me what the rep should done was to pull the agreement up and inform me of that when I spoke to her on the XX/XX/XXXX and he said because now that are over your credit limit if I apply for a credit line increase now I would be decline mr XXXX also inform me that he was going to have the call pulled to listen to phone call between ms XXXX and myself because of the advice ms XXXX gave ne to wait before applying for my increase now I can not. mr XXXX apologizes for the rep like I told mr XXXX that not solve the charges on my account the customer services rep should be accountable for the information that is giviven to the consumer I am filing a complaint also their are too high I am charged XXXX every month for use of their website i can not pay my bill on there website since i have opened the XXXX account the only thing i can do is look at my account i have call to pay my bill hey do however waived the XXXX fee that they charge for consumers to pay their bill which should be free why i am being charge this XXXX maitance fee every month and most credit cards i have i had let spread payments over a 12 month period this charge that has hit my account XXXX fees i have worked hard to maintain a good payment history on my account, for this to happen due to a customer rep working for this company giving advice to the customers i am a XXXX senior. PLEASE HELP
I received a check for {$5000.00} and tried to deposit it into my Chase checking account via the Chase Banking app, and it erroneously told me that it was a duplicate check. I have received checks every month for the same amount, but different checks with different numbers! After calling several times, I had been given info that perhaps the system was down, or that I was above the daily limit, which the one person said was changed to {$2000.00}, although I have never been informed of that. In fact, the app says my daily limit is {$5000.00} right when I want to deposit. I finally was told to send it by mail ( from XXXX ) and I sent it by expedited mail, and it still is not credited to my account, almost 2 weeks later. I think they should have a way to tell that the check was not a duplicate, and I would like to know if they are holding on to my check. Thank you!
This company XXXX XXXX XXXX is trying to collect {$3600.00} and {$1000.00} from me for a bill they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXXXXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Chexsystems provided false information on a credit report to XXXX bank who denied opening a bank account. The information concerning XXXX was part of a bankruptcy and not a charge off.
I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point.

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % XXXX XXXX
I heard the company Navient was involved in a class action lawsuit. I originally had {$10000.00} in loans during my schooling at XXXX-XXXX from XX/XX/XXXX to XX/XX/XXXX. The amount of interest that has been charged makes it impossible for the loan to be paid off.