WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a car loan with Overland Bond in XX/XX/2016. I have never been 30 days late with this company and they are violating my rights as a consumer according to the Fair Credit Reporting Act. I temporarily lost my income which caused me to make my car payment 2 weeks late, however I called in and made an arrangement with the Overland Bond and paid them {$200.00} towards the balance. This payment arrangement was supposed to keep my account current and stop any further collection activity or negative reporting towards my credit. After making my arrangement and paying {$200.00} Overland Bond repossessed my car! I repeat I was never even 30 days late!! Once I made my full payment my car was still not returned and " reactivated '' so that I could drive it. I've read customer reviews on this company and see that I'm not the only customer experiencing this. This company is repossessing vehicles and ruining their customers credit for being 2 weeks late on their payments. This company has reported a repossession and 30 day on my credit and has totally destroyed my credit score causing me to lose -166 pts to my score. I filed a complaint about the reporting and the credit bureaus deleted the reporting only to have Overland Bond illegally add this inaccurate reporting back to my credit without notice. According to FCRA I am supposed to be notified within 5 days of a company adding any negative information that was previously deleted back to my profile, this company has failed to do so! My rights are being completely violated and I am extremely upset! This company has illegal practices and are taking advantage of their consumers. Please help me to have this inaccurate information deleted from my credit profile and corrected with this company. I hope that my experience will help other consumers of Overland Bond from experiencing what I've been through.
This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great! 

Two months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of DIVERSIFIED has this so called debt now. I submit another dispute with XXXX and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt. 

During the investigation, DIVERSIFIED could not verify the debt and sold of the debt to a new collection agency, XXXX XXXX That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again. 

My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change. 

Is there anything I can do?
I have a Citi Checking and a Citi DoubleCash ( credit card ). I instructed Citi DoubleCash to pay off my credit card using my Citi Checking on X/XX/2017. Citi DoubleCash informed me that it withdrew the funds from Citi Checking on X/XX/2017 ( Citi rep confirmed it in a written chat conversation on XX/XX/XXXX ). However, on X/XX/2017 my Citi Checking did not show that the transaction took place on XXXX/XXXX/XXXX ( also it did not show that that the transaction was " pending '' / " in progress '' / " scheduled '' ). When on X/XX/2017 I asked a Citi Checking rep, how much money I had on the account, she  stated that it was {$11000.00} ( which did not reflect the {$4000.00} payment that was already transferred to my Citi DoubleCash a day earlier ).
I asked the rep what would happen if I relied on the information provided to me by Citi Checking that on XX/XX/XXXX I had {$11000.00}. What if on X/XX/2017 I withdrew {$8000.00} from the account, and a few days later Citi Checking informed me that at the time of withdrawing {$8000.00} I had not {$11000.00} but {$7000.00} on my account because Citi DoubleCash withdrew {$4000.00} on X/XX/2017. The rep  informed me that I would be charged an overdraft fee and that the fee would not be waived.
In XX/XX/2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.
I submitted for my repayment plan to be from Income Drive Repayment to Extended Graduate Fixed on XX/XX/XXXX. On that day, I called in and I was told that it would take 10 business days to process. That time passed so I called in again on Thursday, XX/XX/XXXX, I called in again and I was told the repayment would be processed by Tuesday, XX/XX/XXXX. On the XXXX, I called in again and I talked to XXXX - ID XXXX and he told me my plan would be changed start XX/XX/XXXX for {$310.00}. I asked him to send me written confirmation and he said it would be sent that night or the next day. I expressed to XXXX that I did not feel comfortable leaving the call until I received written confirmation because it took me so long to get this information after being told different information on each call. He refused to send an email for written confirmation to me. I expressed again that I didn't feel comfortable leaving the call until I got that information and he said, " you can hold all day but you are not getting an email ''. I asked to be escalated to a manager which lead me to XXXX - ID XXXX. XXXX started with the call that I would not receive an email and if I wanted to wait on the call, she would just put me on hold and I would be forced to wait. I found XXXX who claims she was a supervisor at XX/XX/XXXX to be disrespectful, rude and not qualified for her position. Each time I tried to explain why I was looking for the written confirmation, she would speak over me. I asked why she kept speaking over me and she would not answer. Instead, she told me my request would never happen. I started trying to go into my detail about my position and XXXX hung up on me. 

I would like to report both employees, get written confirmation, and have both employees written up as well.
Recently sent a fax to freeze report, used their form and faxed it over today XX/XX/ " Corelogic/Credco '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me.Please send me a full consumer report and freeze my report. All I want is to have my report sent to me with pin for freeze as well.
XXXX things : Bank of America is refusing to allow us to pay our mortgage each month in XXXX parts- Both being early and before the month due. They continuously treat the second payment as deficient ( partial ) and ignore the first payment. And they then trigger additional service charges, interest and reported to the payment as late our credit bureaus. 
Second issue : We want them to decrease our principle. Our house is underwater by a very large amount and we paid for years and years a very high interest rate which they finally lowered when we complained to the XXXX office in XXXX Massachusetts. While our interest rate is no longer 8.65 % but a more modest 4.25 % - we have always had perfect credit and good income and have NEVER missed a payement or even paid late.
My auto draft payment was taken out twice on the same day and they will not reimburse me for 4 to 6 weeks. This is putting a financial hardship on my family.
I had a Bank of American account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with Bank of America. Bank of America updated the balance to paid with a XXXX balance on XXXX and XXXX. XXXX  did not update the balance to reflect this change so I sent a dispute to XXXX. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on XX/XX/XXXX.
On XX/XX/2018, my checking account with Simple bank was fraudulently debited {$1500.00}. I immediately called to report the transaction. In doing so I learned that Simple does not have a way for you to directly dispute items such as this. Instead, I was directed to contact them via email. I followed their directive, but have been unable to get a response from them. On Sunday, XX/XX/18, I was able to reach them by phone and spoke to a representative named XXXX. XXXX advised me to call the merchant to directly dispute as it would be faster. I did that ; however, they were unable to assist and referred me back to the bank. To date, I have not received a provisional credit while the investigation is in progress. I feel it unfair to me, the consumer, to have funds in limbo while waiting to hear by from a bank that has been unresponsive. 

In the interim, I have read numerous online reviews and this, too, has happened to other consumers. I feel it is my right and responsibility to report such instances like this to protect others.
CHASE did not handle fraud charges on my card properly. It took multiple calls and I was transferred to as many as XXXX people per call. They kept sending past-due statements even though I closed out the account. Now they have reported to the credit reporting agenices that I have been behind two weeks on payments - the fraud charges of just around {$30.00}. My credit has been harmed by CHASE reporting that I have been late on payments.
My private financial information was stolen and used to open a Mortgage loan with CALIBER HOME LOANS, INC. As a result of this identity theft, the fraudulent loan opened with CALIBER HOME LOANS, INC. is in default and now CALIBER HOME LOANS, INC. is conducting a fraudulent foreclosure to try and take my home. I have never applied for a loan with CALIBER HOME LOANS, INC. nor have a received any money from CALIBER HOME LOANS , INC .
I had a credit card issued to me by Continental Finance, I 've had it for about a year. I fell behind on payments after being laid off. I was finally able to make a payment of XXXX in XXXX of this year. A month later I started receiving phone calls from a debt collection agency informing me that they were contacting me on Continental 's behalf to collect payment on the account. I informed them that I had just recently made the XXXX payment but they advised me that they had no record of that and had just received my file a couple of days before they called me. I called Continental and advised them of the situation, that was when they told me that my account had been charged off and sent to a collection agency days before I made my payment of XXXX. I am reporting them because not once did they inform me that my card had been charged off and was closed. Infact I called a day before I received the call from the collection agency to report that I needed to get a new copy of my card. My online account information shows my payment and my balance and how much credit I have available to me. No where on the page does it show that the account was closed and my card no longer valid. I am in the process now of trying to get proof of payment and that has been a hassle because I 've had XXXX different people give me different steps on how to obtain that information. In the end I am left to fax a letter to a number with no person listed and I am hoping that someone will get it and send me back proof. I have not received anything as of yet.
I had the Citi card accounts for the past 4+ years. After hurricane Irma I had notified Citi Card regarding my short delayed of payments +obligations because of hurricane Irma and my financial situation has been deteriorating in results of that. When I paid off the balanced in full of all my cards with the Citi, and after that they terminated and eliminated all my credit limit with them. The bottom line, they have been misleading, defaulting me regarding credit and all communications with them.
I have a credit card ( XXXX ) with Chase bank. For more than 7 years I have been charged a " overdraft fee '' of almost {$200.00} a month. I have asked Chase on several occasions to provide the date, the amount, and origination of the overdraft without success ( most recently via telephone week of XX/XX/XXXX & via email XX/XX/XXXX ). I have been told the entire monthly payment has been to service the fee. I rarely use the credit card, until recently and want to take advantage of its offering. I AS of XXXX I am now being told that I must fax or write the request ... I am getting the run around so they can continue to charge me this fee. I have several issues with the situation : 1. The inability and unwillingness to provide what I have requested ; 2. The amount over the years is significant ; 3. The overdraft % rate is something like 23 %, paid greater than 7 years is predatory. I am desperate to have some help.
I sold a car ( XXXX XXXX XXXX ) back in 2015 for parts and got signed release of reliability form signed and turned into the DMV. The car was supposedly towed last year and the towing yard handed the debt that was owed onto an agency ( Nationwide Debt Management Solutions , LLC ) and said agency has been repeatedly calling and harassing my family. I do not answer phone numbers I do not recognize, so I do n't have a first account on the actions these people have done but they have been calling my family repeatedly after telling them to stop. They have threatened to call police, take me to court, and also threatened my parents.
I recently found out that I had been denied for a loan modification when the denial letter dated XXXX XXXX, 2015 arrived at my home on XXXX XXXX, 2015. Moreover, I have a foreclosure sale date for XXXX XXXX, 2015, therefore, Wells Fargo was not honest when they told me while I was being reviewed for a loan modification the foreclosure sale date would be remove, only 1 day after the 30 day period I had time to dispute I am facing foreclosure sale date. This leads me to believe they merely postponement and did not remove has they said they would. However, a new package was submitted to Wells Fargo Bank to review, in addition, in the month of XXXX 2015 I was provided with XXXX points of contact only one responded to me XXXX XXXX XXXX who instructed me to call the Foreclosure Attorney who works for Wells Fargo and not the other way around. 
I
Continued security issues caused by inappropriate policy promoting identity theft within the company. ( First reported XXXX/XXXX/15 ; problem still exists ). On XXXX XXXX, 2015 I called Sears Mastercard because XXXX my card had been declined by Sears even though the account is in good standing. The CSR asked for my " personal password '' and even though I know this is illegal & I addressed this issue back on XXXX XXXX, 2015, I went ahead & complied with the request. I was then advised by the CSR the password I gave was incorrect ( it was not incorrect ) & that I should be giving the name of my first pet. Immediately, I realized Sears had not done anything to address my complaint dated XXXX XXXX, 2015 as they were still practicing a policy which jeopardizes the security of their customers accounts by asking inappropriately for a personal password when what they really want to know is the " Secret Question '' answer. The CSR 's are not asking the questions appropriately. I advised the CSR of this & was told this is the script they are told to go by. Yes, this happened in XXXX 2015 as well. I advised the CSR to please mark the account that I am officially complaining for the second time this year about their policy, because now I complied with their request to reveal my password only to be told that it was not what they wanted to know. What that means is a ) I now have to change my password ; b ) they never fixed the problem ; c ) they are promoting identity theft ; d ) they are not securing my account, but instead are jeopardizing it ; and, e ) Sears is proving it can not be trusted to protect the accounts of its customers. Since this has happened before, this has to be taken seriously, because their Customer Service department is not listening or taking initiative to solve the problem. Therefore, I am taking serious action. If this issue is not resolved I will take this to the media and advocate a large scale investigation of this banking institution for potential fraud against it 's customers. It is very clear to me that Sears does not take security seriously. They might as well stop trying to say that they do, because they are not doing anything to help the situation. As it turns out my account should never have been flagged for potential fraud. They were only harassing me. Ultimately, I am glad it happened, because it allowed me the opportunity to catch them in the act of just how under-protective of my account they are. I can not believe they would ask for a password knowing that a Customer can actually give them the password trusting them to handle the situation appropriately. Then when you give them the password, they reveal they did n't want the password ; they wanted the secret question. Again, this is XXXX totally different things. Unacceptable. Seven months has passed since this was first reported. Nothing has changed.
XX/XX/2015 my x husband forged a 7 page document requesting information about my credit and to be sent to him. The signature of my name did not match the original loan papers so they did not send the information requested. It was stated like it was me requesting the information but it was not me, luckily they noticed that it was not my signature. They sent a letter to the house address and to my temp address. I called immediately. They stated that a request was also sent for a loan modification with his signature and my name.. But again my signature did not match the original loan papers, his did match. So mine was forged. I have been requesting these documents and they keep saying they are sending them but it has been 2 years and still have not sent them to me and I need them for court next week, I am going to have my lawyer contact them.I also filed a police report but they had to wait for the documents to be faxed. But who knows. We are divorced and the judge stated that either I can refinance the house or it needs to be sold. Also I got a {$22000.00} gift of equity from my parents because it is my childhood home bought from my parents. Also the equity loan seems like its balance is higher then it was before so I don't know if something happen like he got more money. But my name was forged and attempted to get information and a loan. I have done everything but no one is doing anything about it. And that is wrong.
Checked credit report and it shows I owe a college money. When I was in school, I received grants for everything or paid out of pocket. Never filed for a loan so I do not know why they are trying to receive money from me. I was never notified about this in any fashion. Nothing via mail, email or phone call.
On XX/XX/18 Wells Fargo Bank reversed a promised final credit of {$69.00} for purchase of non received merchandise -claim # XXXX for debt card ending in XXXX. 
This is a deliberate attempt to make my account balance negative & create NSF non sufficient fund fees for future transactions.
I need some help, I have had insurance my whole life, a collection agency has been calling named Alliance Collection. I advised this agency XXXX months ago if my insurance was ran they would have paid it. I took it upon my self after this agency reported this to my credit to call my insurance company finding out this was never submitted for payment at the doctors office which everyone was advised I had insurance and provided the card and proof. The insurance company is now also getting involved. The collector was very rude also.
I have written in prior to complain about RPM that is listed on my credit and the original creditor is Direct TV that is shown in the amount of {$570.00}. I am writing this letter to inform the individual ( s ) again that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely my FICO2 which is used by lenders took a severe hit. I started the month of  XX/XX/XXXX at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the Experian agency to a  XXXX . The explanation offered by experian was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XXXX    and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that Experian was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from  XXXX  ( which was satisfied in  XXXX  ) removed from my credit report on or about  XX/XX/XXXX . My FICO2 score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the Experian Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?