WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2014, I tried to refinance my home loan, only to find that a loan that I had co-signed for my sister, XXXX XXXX, was reported in collections and past due by {$260.00}. ( see attached ) This prevented me from obtaining my home loan, which I was pursuing through XXXX. This is erroneous and further more insulting when Portfolio Recovery Associates provided very little information, when talking to their representative by phone.
Hello, my name is XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, CA. phone number XXXX. Approximately one year ago was was laid off from my place of employment. I immediately notified my Mortgage company, Ocwen Loan Servicing. LLC. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX, phone #. XXXX, Loan # XXXX. They told me I was eligible for a loan modification. They said they would help me by sending me the necessary documents. They did and I filled them out. I also asked for help with XXXX, ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX. Ca. XXXX A very nice woman named XXXX XXXX was assigned to my case. Her phone number is XXXX ext. XXXX. She worked directly with Ocwen, they worked together to get the Loan Modification. They told her I would definitely get the Loan Modification. But unexpectedly, I was turned down. They said because I was on Social Security and did n't make enough money to be approved for the Loan Mod. My SS is $ XXXX/month and I also get $ XXXX/mo from another home I own that I rent out. Altogether I make a total of {$3100.00} per month. We told Ocwen this and they even said that was enough to get the Loan Modification. XXXX told Ocwen that they notified her that the money I made each month would be enough to get the Loan Mod. Also XXXX XXXX applied for XXXX, XXXX, for me. I was approved by XXXX for approx. {$25000.00} which would have more then paid what I owed Ocwen. But Since Ocwen did not approve me for the Loan Mod, I could not get the {$25000.00} from XXXX. Ocwen admitted to XXXX XXXX, that I should have gotten the Loan Mod and that it was THEIR ( Ocwen 's Error ) that prevented my getting the Loan Mod. Ocwen told XXXX XXXX they would apply again for me to get the Loan Mod. Therefore, XXXX XXXX also had to apply again to XXXX for the monies to pay off my loan. Both XXXX XXXX and I have been working with Ocwen for the past year. Ocwen told us that they definitely would not foreclose on me because of their error. But today XXXX XXXX, 2015, I got notice that Ocwen was starting Foreclosure proceedings against me. Ocwen has constantly lied to both XXXX XXXX and myself during the past year, making it very difficult for me to get the Loan Modification. I definitely need your help very much to right this wrong and to save my home from Foreclosure ...
The information on file is incorrect the address and number stated on the record is incorrect. I think someone is trying to steal my identity
In XXXX, I entered a debit reduction agreement to pay off credit card charges and also requested an account closure of an American Express account. Part of the agreement with XXXX XXXX , XXXX was to close accounts and destroy the card, which was completed. XXXX, XXXX a written request was mailed to American Express to also send a return written notice confirming the closure of this account. The account has been successfully paid in full. Instead, a mailing stating a " statement balance will change with recent activity on your account '' was mailed with their notice to call. The card was destroyed and no intent to use on my behalf. American Express notes cancelling the account -yet will not send notice of CLOSURE. My request is simple. A closure notice, no further activity and yet American Express would prefer to upsell their product/credit card. Help?! Thanks so much!
I 'm writing to report that the banks have n't changed XXXX bit in the area of setting misleading / confusing terms and agreements to their customers. 

Recently, i availed of a balance transfer offer from Citibank - I have a Citibank XXXX Card. Even though my card agreement and pricing information table indicate that balance transfer fees indicate that fees would be {$5.00} or 3 %, i was charged. 

When i contacted the customer service rep, his answer is that the balance transfer check i used had the terms as 5 %. How many forms is a customer supposed to look over to execute a simple balance transfer transaction without getting screwed around for 67 % more fees than they expected to pay???
These Diversified Consultants Company is a debt collection vendor that has been using a bunch of random phone numbers with my area code but they are located in Florida and try to bait you to answer their calls. I have spoken to them to send me mail regarding this debt collection but they have neglected to send it to my address. The harrassment has started back in XX/XX/2017, for a collection amount on a phone bill for more than {$2200.00}. Which is ridiculous! They call multiple times throughout the day and I cant stand them anymore!
Relatives have gotten phone calls from High Point Asset Inc saying that I used them as references which I never did and they are going to be held liable for payments. True I did have payday loans in the past that have been paid in full but some of the names they said were used as references is false.
Roundpoint failed to pay the yearly premium for our homeowners insurance that had been coming out of our mortgage monthly payment. Upon calling them several times, we found out that they " forgot ''. In order to reinstate our home owners insurance, we had to pay a fee which we are now fighting to get back from Roundpoint. Today we made several unsuccessful attempts to speak with someone regarding this matter but were continuously rerouted, hung up on and given the run around.
Nationwide debt management solutions has been repeatedly calling my job several times a day sometimes not identifying themselves. They have also contacted my brother also not identifying themselves, he said that they were rude and threatened him. I have contacted them once and told them I do not owe the debt they claim I owe and they still repeatedly call my job several times a day.
Real time solutions is sending letters to my home with my ex wives name on them. This is upsetting myself & my current wife of 8 years and not wanting to explain to our children the names on this mail. My ex and I had a very messy divorce and real time solutions is aggravating my emotional state. I had to spend many years recovering from that emotional nightmare and these letters are now bringing major emotional stress to my life.
Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.
On applying online for an installment loan with SPEEDY CASH on XX/XX/18, I was told to go to my local store in XXXX XXXX CA, which I did on XX/XX/18 ; this after calling the store to inform them that my ID was New York issued with a California address, to which I was informed would be " no issue at all '' for approval. On arrival to the store, low and behold, the staff wasted an hour of my time calling in to their center, informing me that they could not help me in store due to my ID ( which I had explained the issue of in depth before going to the local store ), but that I would be approved via the phone number given my income and other credentials. So, I phoned the XXXX staffed line and the agent pulled me up, ran my information stating that my NY ID would be of no issue, and then stated I was declined with no reason given - but then told me I would " probably '' be approved in store! She stated I would receive decline reasons via email, but the only email I received stated once AGAIN to go in to my store for approval. SpeedyCash has wasted a great deal of my time and money today, and I am in need of immediate assistance from an executive level employee. 

This has been a terrible experience, bordering on what I view to be a scam, as now these stores and agencies have all of my personal banking information, debit card information and ID, only to tell me I was not approved for which is likely the issue with my old NY ID ( I have just permanently relocated to California after a long school stint here and do not have my CA ID yet, though have my vehicle registration and proof of address here in California, which was requested prior to me going in to the store ). 

I am extremely dissatisfied and require immediate executive level intervention to get this loan approved, as stated by staff. I am requesting immediate executive level assistance in aiding me in the approval of this loan. Please reach out to me urgently at XXXX to discuss resolution to this matter. Thank you.
I contacted capital accounts about a medical collection that was on my credit report by an error. I provided statements where it showed the account was at a XXXX balance. I called them back to make sure they had received my documents and to make sure they will delete it off my credit. The agent was not able to help me and transferred me to a supervisor. The supervisor was very rude and condescending. I have never been treated and disrespected like this before. When I asked to speak with someone else he hung up the call. Please review the call and review the tone and language used to speak with me. He needs to be disciplined or terminated. Someone like him should not have any contact with consumers.
I had paid off my auto loan ( for a XXXX Chrysler 200 limited ) over a year ago and I am asking that Ally remove my loan from my reports. Account # is XXXX. I had previously disputed the months they had reported me late and go no response so I am asking that we just remove the accounts from my reports.
Transunion refused to reinvestigate collections that do n't belong to me. I never received proper documentation from Transunion of documents provided to the bureau to verify that the debt belongs to me. 

Tranunion did not properly notify me of collection accounts being reinstated on my report. 

Debts impacted XXXX XXXX
XXXX overcharged me for cable and internet services. I was moving to a new location thus I called the company to cancel the services on XXXX XXXX, XXXX which was 5 days after the billing cycle ended. Even though I did not use the company 's services after XXXX XXXX the company charged me for the full service cycle from XXXX XXXX to XXXX XXXX for {$140.00}. Subsequently, XXXX never reached out to me after the XXXX XXXX date when I called to cancel. XXXX then had a debt collection agency try to obtain the debt which is incorrect since I did not use their services once I moved from the location on XXXX XXXX. Currently, XXXX and the debt collection company have reported the transaction to the credit bureaus which impacted my credit score. XXXX aggressively and incorrectly took action to overcharge me as a customer - they should not be allowed to charge for a full payment cycle once I cancel the services.
I submitted a dispute last month as well as this month in regards to my account with Portfolio recovery I do not agree with the charges and it said it came back verified. This was a secured credit card meaning I self funded it. I increased my limit and the amount due should never been more than the credit limit. I advised XXXX XXXX when the charges originally posted that it was invalid they said they would dispute with the company and next thing I know it was sent to collections for the full balance. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.
Receives calls 3-4 times a day everyday but no message. This number comes us on my caller id but because i 'm at work I do n't answer it.
Capital One Credit card company refuses to reveal the factors that determine how a secured credit card is changed to an unsecured card. Customer service insisted that this is patented process that can not be reveled to the public.
My name is XXXX XXXX XXXX and XXXX XXXX is on my Credit report and i want her OFF, she even had a different social security number. I want her off now! She has really XXXX up my credit check and is invading my security. this has been since the year 2000. I tried getting her off before but know one has taken care of this ugg.. my home # is XXXX my email is XXXXXXXXXXXX my home # XXXX. Let me know what else I can do to get her off. she has ruined my credit.
When my student loan was in repayment I would make a payment and if the payment was short they would not add the payment to my account until it was the full amount although it was two account they would not pay any of the account but instead they would report both account to the credit agency as being late. For example of my payment was {$50.00} and the payment was {$40.00} they would to apply it to any of my account and when I inquire why they would only say that that was the rule. They would hold the payment until I make another payment then they would apply it to my account which mean I was paying more interest than I would have had they apply the payment although it would not cover both account. At the time I did not know that I could have reported it to this agency. My loan have since been forgiven because I am total and permanent disable veteran.
This company can not be reached via mail, their listed address is wrong. this debt was paid in XXXX.
I checked my credit reports with all XXXX major credit bureaus ( XXXX, XXXX and XXXX ). I noticed a collection account with Midland Credit Management XXXX. I sent all XXXX credit bureaus disputes back in XXXX 2015 disputing the validity of this account. Midland Credit Managment responds validating this account and sending a last statement showing a charge off from the original creditor. I disputed this account a 2nd time with Midland Credit Management letting them know that the information that they furnished is not sufficient and that I would need them to validate this account pursuant to the Texas Finance Code 392 or delete the tradeline from all XXXX credit bureaus. I never received a response back and they are still reporting inaccurate information in clear violation. Midland Credit Reporting has recently been investigated by the CFPB for its deceptive collection practices and violations of federal and state laws.
My name is XXXX XXXX. In XX/XX/XXXX I opened an account with TD Bank 's branch located at XXXX XXXX XXXX XXXX XXXX, PA XXXX. The bank representative gave me an account number that I then submitted to my financial institution, XXXX XXXX. On XX/XX/XXXX I contacted TD Bank to see if the money I was expecting from XXXX was deposited. The representative from TD Bank indicated that I was given the incorrect account number and gave me the correct account number. I immediately contacted XXXX with the correct account number. Through the bank transfer process the account number was switched back to the incorrect account number. The money was transferred, on XX/XX/XXXX, to an active account and the deposit was removed by the owner of the account. TD Bank would not allow me to file a fraud complaint with their bank and insisted that we do it through XXXX XXXX. XXXX XXXX insisted that TD Bank needed to handle it because it was removed from TD Bank. TD Bank indicated, at the end of XX/XX/XXXX, that it needed a letter from XXXX saying that the money was sent to the incorrect account before it could proceed. After speaking with them today ( XX/XX/XXXX ) they indicated that they won't be able to do anything unless it is initiated from XXXX XXXX end. The money was deposited six weeks ago and no one has any idea when I will receive my funds. After several conversations with TD Bank and XXXX XXXX I do not see a resolution to this problem.
XXXX unjustly report at me late I sent evidence from freedom mortgage to the credit bureau showing that I had made my payment on time they refused to take it out of my credit report stating that XXXX does n't want to remove it so they 're unwilling to remove it
On XX/XX/2017, I made a large deposit ( {$1500.00} ) into the Capital One Bank ATM machine between the hours of XXXX and XXXX XXXX I inserted my bank card and made the deposit. The machine accepted the funds and did not return any funds. At the end of the transaction, the machine did not provide a receipt. I reused my card to see if the deposit showed in my balance and it did not. I did not know what to do. The money was being deposited in order for me to pay my mortgage online via my Capital One account. I then called Capital One and told the representative about the problem. She said they would balance the machine and would register the funds at that time. Approximately 3 days later the funds were placed in my account. A month later on XX/XX/XXXX the funds were reversed without any advance notice. A secure message indicated that the claim was closed and that the ATM machine balance out. This is impossible since I made the {$1500.00} deposit. I can only assume that they credited another customer with my deposit if the ATM machine balanced or the funds were stolen since a receipt was not generated for the deposit. I tried to contact Capital One several times and finally talk to someone in Fraud. I was told that they would reopen the claim since it could have been they looked at the incorrect ATM machine. However, since I have received another secure message indicaitng that the claim was closed without any additional information. I have requested the information used to close the claim. I am totally disenfranchised since without doubt the deposit was made. I have faxed Capital One my receipt of where I withdrew the cash funds from XXXX  XXXX XXXX which indicated the time and drove 3 miles to make the depisit into the Capital One ATM. I also provided them with my description hoping they could use the camera 's on the machine or in the area which will show me making the deposit. I am thinking this is not the first time this issue has happended to customers and it is indeed stealing from consumers. I am now delinquent on my mortgage as a result, as well as, I have had to cancel a planned trip to XXXX to visit my son who is in the XXXX XXXX. I am totally disappointed and upset with how Capital One has handled this situation for such a large sum of money for an average customer.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by TOP FINANCE COMPANY IN
On XX/XX/XXXX my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XXXX for an account paid in full in XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.
I had my credit card for over 3 years and never had a late payment with the prior account servicer Household Bank. Once Capital One acquired the account, and since they took over my payments were not posted accurately to my account. They never processed my payments accurately from XX/XX/XXXX to XXXX 2014. My credit has been adversely affected and they are not willing to assist me. My credit score has dropped due to their actions.
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.