WillisBack/dataset-financial-user-claim huggingface dataset:
When XXXX XXXX tried to debt my acct on the wrong day causing an Insufficient Funds overdraft and then they tried again and another overdraft. I did not have funds available at the time they tried to withdrawn funds. With that amount in overdraft fees {$60.00} I called XXXX XXXX to try to make payment Arrangement and while I was trying to set up payment plan XXXX XXXX sold the debt to Ad Astra Recovery Service Inc. Ad Astra upon acquiring this debt from XXXX XXXX to which I had no Knowledge until I again was hit with Overdraft fees by my financial institute {$45.00}. I called Ad Astra and they informed me they Purchased this from XXXX XXXX and I was now indebt to them and I must pay the full amount or they will take legal action. With all the errors and overdrafts I can not even make a payment. These extra charges/fee has taken me from my fixed income budget and has put me a very serious financial situation. I can not make my Mortgage Payments any longer. I am XXXX and this has caused great hardship.
On XX/XX/2019 at XXXX XXXX, XXXX XXXX from Conrad Credit Corporation called me and left a voicemail on my cell phone. I sent a letter to the company that same day by fax and by mail stating that I can not get calls at work and I ask that you please stop calling me and communicate by mail only please. On XX/XX/2019 I received another voicemail from XXXX XXXX at Conrad Credit Corporation post revocation of consent to be contacted by phone and while I was at work, which actually got me into trouble. I have tried to ask this company nicely to stop, but they call anyways. I am requesting that the CFPB please investigate accordingly. No lawsuits have been filed yet, but I want them to contact my attorney ASAP to resolve this violation of The Fair Debt Collections Practices Act. 

XXXX XXXX XXXX Esq. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Simply put I 've never heard of Diversified Consultants. Ive never spoken with them on the phone and I certainly never paid them anything. Since no payment was ever made to Diversified Consultants, by reporting any account as Paid, Diversified Consultantsare stating that a payment was received by them from me, when it was not ie ; providing False information to a credit reporting agency in violation of the FDCPA, and Willfully furnishing inaccurate & misleading information in violation of the FCRA. Simply put they are breaking the law and costing me money.
I have become between 30-45 days late on my auto loan. Gateway one is attempting to collect the debt. I spoke with a supervisor, XXXX XXXX today who told me my only option was to pay {$470.00} today or my account would be out of his hands and reviewed for other action. I offered to make a payment dated for Friday XXXX a mere 3 days later and was told that is unacceptable. XXXX was vague and dismissive regarding what the next action would be.
To whom it may concern : This company has been adding interest on an account that is closed. They have added interest every month since XX/XX/XXXX when the account was closed. 
XX/XX/XXXX- {$44.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$43.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$41.00} XX/XX/XXXX- {$40.00} XX/XX/XXXX- {$40.00} Total= {$460.00} I called them when the account first was closed to see what to pay that was my only contact with them.
Wells Fargo continues to report false bankruptcy information to XXXX and XXXX XXXX. I received my disputed report back in the mail from XXXX around XX/XX/2016 and the information is still plainly there and simply states consumer still disputes after investigation. I have called Wells Fargo and they simply refuse to correct this erroneous information and I have been turned down for a mortgage loan from XXXX because of their negligent reporting.
On XXXX XXXX, XXXX as a result of news report that Equifax was hacked, I checked, if my name was on the list. They responded with an e-mail XXXX XXXX, XXXX, to return to the website in a few days, to enroll in freeze and credit monitoring. 
On XXXX XXXX I again attempted to contact Equifax. They acknowledged my inquiry " Thanked me '' and asked me to look for e-mail to further the process. 
As of this date XXXX XXXX, XXXX, no conformation has been received. 

Please advise of a course of action I should take. Your help and assistance would be greatly appreciated. 

XXXX XXXX XXXX XXXX ) XXXX
For the original complaint id XXXX, the Bank of America ( herein after mentioned as Bank ) has failed to understand the complaint. Therefore I am explaining the complaint again as under with screenshot of Bank of America 's mobile application for FICO score. 

When XXXX ( Bank 's employee ), applied my credit card, he had told me that I would be always able to see my FICO score in Bank 's mobile application. I never require to pay to any credit score company to watch my FICO score, I will be always provided FICO score in the mobile application after signing in the Bank 's mobile application with my username and password. 

After logging in to Bank 's mobile application, I can see my account balance for check-in account and few details of credit card as well but I am not able to see any FICO score available to me. 

I have visited many times in-person to the XXXX XXXX branch situated in XXXX ( which opened my check-in account and issued credit card ), they told me that I will get FICO score automatically in mobile application after first 6 months of credit card. First 6 months have been passed from many more months, and they still give me the commitment for further 2 months to wait. 

I did not ask you to pull my credit details and harm the credit score which already did on the name of courtesy. Don't access my credit score without my permission.

It has been mentioned in the application that the FICO score is provided every month by XXXX. If it is freely provided to every credit card holder through the mobile application, why I am still not provided the FICO score in the mobile application. 

Make my FICO score available without any charges in the Bank 's mobile application.
On XX/XX/XXXX we closed on a mortgage with XXXX XXXX, XXXX of the lenders suggested by XXXX. The negotiations specifically excluded provision for insurance on the contents, as we did not need or want such insurance. We have been paying our monthly payment of {$540.00} since XX/XX/XXXX. Wells Fargo sent us a letter dated XX/XX/XXXX advising us that they have purchased our mortgage and will commence serving it on XX/XX/XXXX. The letter stated : " Rest assured, this transfer does not affect any terms or conditions of your mortgage. '' A letter dated XX/XX/XXXX from Wells Fargo stated that our hazard insurance had expired on XX/XX/XXXX and " We plan to buy insurance for your property '' There was no such policy, and I have been calling them numerous times to find out how they could legally change any of the terms of our mortgage. My calls have not provided any satisfactory response. We have now received an invoice to a payment of {$560.00} into our escrow account and that our monthly payment will increase from the {$540.00} we have paid for nine months to {$600.00} starting on XX/XX/XXXX. We are XXXX & XXXX years old and XXXX XXXX is our only income.
Company closed my XXXX credit card account without warning, and I lost access to all statements online, which made it very difficult for me to dispute fees that BoFa charged on that credit card.
My mortgage company started proceedings to change my flood insurance from a low risk zone to a high risk zone without my knowledge. 
We only learned of this when our insurance company contacted us on XX/XX/XXXX requesting an elevation certificate and other documents to process the change. 
We were not given any time to research the situation as the mortgage company continually harassed the insurance company to expedite this process. 
I had to find a surveyor and pay XXXX dollars to obtain the certificate meanwhile frantically trying to get information to counter this process. The whole subdivision is located in zone XXXX and no one could explain why our lot was in zone XXXX. 
After weeks of research and communication with FEMA, our Congressman, and XXXX County officials we were able to determine the subdivision was raised and filled to meet flood base standards when it was created in XXXX. Unfortunately the flood maps were created in XXXX. We obtained a copy of the revision from FEMA. We tried to give this information to the mortgage company but could not find anyone that was familiar with the situation. I had to contact my insurance company to obtain the name of the person responsible for initiating the change. I called several times and sent the revision letter but never received a reply. Finally after several days I was able to contact this person but was told, yes she received my information but they only go by the maps not revisions. I told her that was unacceptable and she reluctantly agreed to contact her supervisor about the matter. 
Less than an hour later she contacted me and my insurance agent. We were told the property could stay in zone XXXX for the time being but they might revisit the situation later. 
At this point the property had already been re-zoned to XXXX so I was required to submit more paperwork to get it back to zone XXXX. 
This was extremely stressful on me and my husband. We were told our insurance premium could go from XXXX dollars to thousands of dollars. Money we could not afford. We were looking at foreclosure as our only means of escape. 
Shouldnt companies notify their customers before initiating changes to their mortgage or insurance that protects the mortgage? Shouldnt customers be given adequate time to obtain documentation to prove their rights? If we had been aware of the situation we could have avoided the stress and monetary loss we encountered.
I made a monthly mortgage payment when in XXXX IL at the USbank branch on XXXX XXXX, on XXXX XXXX for XXXX paymentthey ship the payments off to a center and I have been getting calls fromtheir collection area since the right and left hand do n't know what they are ddoing. XXXX the mgr at this branch ca n't not get an answer either. I havea receipt of this deposit. 
thanks for contacting them to find out where my payment is and why ithas not been processed. It is hurting my credit and will cause issues soon. 
XXXX XXXX
The Collection Bureau of America ( CBA ) incorrectly assigned or tagged me with another person 's debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of {$100.00}. The person 's outstanding account ( XXXX XXXX ) is not me and I do not have the same name and never have lived at the XXXX ( California ) address where the debt occurred. The account was not tied to my social security number when XXXX XXXX XXXX gave the collection agency this debt. The CBA collection agency tricked me into giving them my social security number and mailing address as well as other information so that they could send me a " fraud package '' however, instead they incorrectly sent me a bill saying that they have identified me as " the correct consumer for this account ''. After numerous times calling CBA, they requested me to call XXXX XXXX XXXX to resolve the issue. XXXX XXXX XXXX has cleared it on their end. CBA still refuses to allow me to resolve this issue and send me a fraud package. I have asked multiple times and they keep telling me to call XXXX XXXX XXXX. XXXX XXXX XXXX has stated that this account is not for me and they have not tied me with this account that CBA has tied with my SSN. I have spent numerous hours in XX/XX/XXXX and XX/XX/XXXX trying to clear this confusion. I have talked to XXXX XXXX at CBA approximately 5 or 6 times and he refuses to connect me to his " supervisor '' and keeps putting me on hold. He refuses to send me a fraud package or put me through to anyone else at CBA. I suspect that he doesn't have a supervisor, hence, getting frustrated talking to me and rudely putting me on hold while I am in the middle of a sentence. I have not been able to talk to anyone else at this company. This collection agency has fraudulently taken my social security number and used it for this other person 's account. This has significantly affected my near-perfect credit score and has caused me to spend an unnecessary huge amount of time and effort to fix a mistake that is not even mine, that CBA has made.
Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always ExperianXXXX that gives people headaches.
I bought a XXXX Buick Lacrosse CX from Drive Time in XXXX KS. I only had the car for about 3 weeks and only drove it about XXXX miles and a rod started knocking. I was without the car for 2 weeks. Got it back on XX/XX/XXXX and 5 days later the muffler fell of in the middle. The very next day the car started leaking gas. They said when I bought the car that it was inspected which I believe is not the case as what has happened.
LendMark financial is the worst company. There are always different balances on your account, but the little rude, ignorant staff members never want to explain where they come from. This company needs to be investigated. Asking to investigate them, if it is not done, part of the problem, will be that this place is going to have a lawsuit against them. Investigate them. XXXX NC branch. XXXX XXXX location.
XXXX accounts were opened under my name and social unknowingly. I found out this information on my credit report. Someone used my information in XXXX and XXXX. Using my information to have payday and XXXX transactions via the accounts under PNC and XXXX XXXX. Neither are me. Very upset.
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Portfolio Recovery Associates, LLC is reporting on my XXXX, XXXX  , & XXXX  credit reports that I owe them {$270.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are they even licensed to collect debts?
I have a home loan with Nationstar Mortgage and they are not honoring an agreement I entered into with them on XX/XX/XXXX, which I have maintained, and they are threatening me with foreclosure. Per them, my mortgage had not been paid since XX/XX/XXXX to XX/XX/XXXX, which is not true and I have sent them copies of all of my cancelled checks, which they they processed. Each time I have contacted them via phone, I have been given the run around. First they claimed they never received the payments and then they sent me statement showing the checks. I have until XX/XX/XXXX to pay them the outstanding balance of {$8200.00}, otherwise, per the letter they sent me, they will foreclose on my home. True I was behind in XX/XX/XXXX, approx, {$28000.00}, however, prior to my bankrupcty being approved, they agreed to allow me 60 months to repay my arrears over a 60 month period at no interest and penalties in the amount of {$540.00}. per month in addition to my mortgage. a few months after I entered into this agreement, I found out from the county that my property taxes were not being paid from my impound account so I called them and they informed me that they were not paying them because I was behind in my mortgage. Subsequently, I wrote them and informed them that I had an agreement with them, and was paying my arrears over time and my mortgage payments included the impound fees, but they claimed no agreement existed and never responded to my written correspondence, but did pay the property taxes. Now they are trying to say I did not pay my mortgage since XX/XX/XXXX-XX/XX/XXXX, when they know that I in fact did, and sent them evidence supporting disputing their claim, all I get from them is untruths and the run around.
This company continues to report inaccurate amount of voluntary repossession or all three credit reports. I called the company 2 years ago and no record of me in their file. As well as, filed a compliant through CFPB. The letter I received is that the company is looking into this information. The vehicle was voluntary given back to the company but it says I owe an outrageous balance. Reports as derogatory every month like clock work continuously lowering my credit score.
I HAVE SUBMITTED DISPUTES TO XXXX AND XXXX ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX
Please, refer to my previous complaint as NFCU did NOT keep their word and although they sent me forbearance paperwork and said was accepted being assessed late fees and the contact person XXXX, public relations person as well as their CEO XXXX XXXX are not responding .In addition it will be a hardship to pay everything ; g back in XXXX as still doing hurricane repairs .It is the holiday season and a XXXX XXXX XXXXXXXX Veteran please help me ASAP and prevent my credit from being ruined, I paid last month.
In XXXX, I took my Daughter to XXXX Hospital XXXX XXXX. I did not receive a bill for her visit until XXXX. I called and disputed that the amount had not been properly reduced per my agreed insurance plan- XXXX XXXX I was told the amount was correct for XXXX, but XXXX told me it was incorrect and should be XXXX. Mercy told me to dispute with XXXX. i did and thankfully XXXX was able to help me and I later received a bill form XXXX in the amount of XXXX. I asked to set up a payment plan and was told i could do so, but never received the paperwork. In XXXX I received a debt collection notice from ARSTRAT. I contacted ARSTRAT and they refused to provided validation of the debt. All they woulod tell me was that it was XXXX XXXX. They claimed that the debt was valid because they sent it. They would not provide any information or a contact at XXXX to verify the debt. ARSTRAT also misrepresented the amount I owe. They told me on the phone that it was XXXX. This is not the amount XXXX was seeking. They told me that XXXX sent this amount to ARSTRAT and that is the amount I owe. They then proceeded to give me a fake XXXX Phone Number. I spoke with XXXX and XXXX, out of the XXXX ARSTRAT office.
Back in Fall XXXX, Navinet contacted me rudely stating a loan was due. I stated I was currently in school and faced with other situations ( paying down a debt from my daughters medical bill ) and could not make the payments. Instead of offering assistance - forbearance, lowering payments, etc. they rudely stated that it would go on my credit report, etc. 
I struggled to gather the money to make the payment, but it did n't stop. Month after month and it is still going on. No help, no assistance just rude demanding phone calls to collect my payment or else it will go on my credit report - which it has. 
I just know noticed they took money that should have went to 2 loans ( I have three in total, 2 were activate at the time of this ) and they applied entire payments towards one loan instead of splitting the payment - making me " miss payments ''. Here I was making payments thinking I was helping pay down both loans ( which I actually never knew about since they only told me about one, the one from XXXX ) and they were applying payments towards another loan. 

Here is the payment schedule : Contacted rudely - Fall XXXX XXXX - XXXX Loan : ( the loan there were applying all the $ towards at times ) Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
It shows that I have a few debts on my credit that does n't belong to me. One is XXXX XXXX XXXX and the other is XXXX XXXX. There 's a bunch of hard inquiries that do n't belong to me either from banks and retail cards. I dont have any retail cards. I only have 1 credit card and that is with XXXX XXXX. The one credit card account I have is n't showing on my credit either.
I filed for Chapter XXXX in XX/XX/XXXX and have been discharged in XX/XX/XXXX. I was receiving statements from XXXX XXXX XXXX ever since my loan was reinstated. Recently, on XX/XX/XXXX, my loan was transferred to SLS. I reached out to SLS to inquire about my mortgage statements. SLS insisted I am in active Bankruptcy and because of this, I will never receive any statements. In the meantime, I am blocked from seeing any information online as well. I wanted to make sure my payments were appropriately sent and received by SLS on a timely basis, especially because I never received any payment coupons since the transfer ; and to ensure I am sending the correct amounts due since I also have an escrow account which is analyzed annually. I have reached out to SLS but due to my active bankruptcy status on their records, Customer Service would not entertain my call. I have been transferred to several departments, on hold for 30 minutes at a minimum, only to be told I was connected to the wrong department. Customer Service would n't talk to me and would transfer me to the Bankruptcy Dept. Bankrptcy Dept says I was transferred to the wrong Dept because I am not in active Bankruptcy and would transfer me back to Customer Serivce who in turn would say I was transferred to the wrong Dept and would transfer me back again to the Bankruptcy Dept. I spent 2 hours today being transferred only to end up being told the offices are now closed. 
I just want my latest statement or a payoff demand. Your assistance is greatly appreciated.