WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by an unsolicited telemarketing phone call on XXXX XXXX 2014, by a salesperson named XXXX from XXXX, she asked me to pay {$390.00} for a package including XXXX websites : XXXX for shopping, XXXX for travel and XXXX for green products, and I would make 15 % commission on anything sold on these sites, including commission on my own purchases, I paid the fee with my Amazon Visa Card, later on about a week after XXXX called me again and offered me a new package, It would cost me {$10000.00}, she said I would be part of a special group of customers that would participate in a year long marketing campaign. I would be paid a referral bonus of {$100.00} for any new people that signed up for a website package like I did.I was also told that I would receive a 5 % commission anytime anyone clicked on a banner and placed an order linked to my website. She told me this program would also push to each of my websites and that I would be able to monitor that traffic. I was told that this service would also include a lot of work on my new websites to make them more unique. Needless to say I ended up paying that fee once again with my Amazon Visa Card. 

I checked my websites and they were all spelled incorrectly, from what me and XXXX talked in the beginning, so any traffic being pushed there would be a waste of time, I contact them and requested that they correct the problem.They did a couple of weeks later but also I got notified on XXXX XXXX that my " year long '' advertising campaign had ended, I paid for a year and I got that notification 3 months after, I informed them I paid for a year and I expected a year 's worth of service, they ignored my request. They were stringing me along with excuses every time I called them. I contacted customer service around XX/XX/XXXX and found out I had a new account manager named XXXX XXXX. He told me that my websites were being totally reworked and that I would be happy with the results. I have n't heard from him in the next weeks.Then I got an email from Customer Service talking about " the new affiliate process ''. It was then I saw that my XXXX websites had been transformed without my permission or knowledge to an Amazon affiliate site. I called and asked what was going on and XXXX told me the company has changed hands, I was not happy with the site at all. I told him that this materially changed the contract I had entered with AOD XX/XX/XXXX and that I was n't happy with the change, after I sent that email XXXX did not return any more calls from me, then I found out later that my site was switched to XXXX. They breached the contract and they effectively put me out of business by shutting down my website.
A XXXX XXXX credit card service representative gave me false information about how the account effects my credit score, which resulted in my account being closed. Once I learned otherwise, I called to ask if the account could be reopened so I can improve my credit, and not only was I denied because they wanted to make me open a brand new account with a smaller credit line, but they changed my close date on the original account to the date of the phone call which added 4 years on to my credit report removal date. The credit company refuses to change it after several attempts being made through the 3 credit bureaus.
A month ago after checking my credit report I noticed a debt collector named XXXX XXXX listed on my credit report. I called them and they said it was an account from XXXX XXXX XXXX. I told them Ive never had XXXX XXXX XXXX. Yet they said I still owe this balance. I then asked my mom and sister if they opened anything up in my name because they did it before without my permission. My sister finally owned up and said she did, and that she would pay it off. So on XXXX she said she called XXXX XXXX and paid the money that was owed on case number XXXX said she asked them could they delete it off my credit. They said no and that they could only report it as paid in full with a {$0.00} balance. And that they have no way how to get it removed. I dont understand how they can report it to the bureau but they cant get it removed. Especially when the FCRA gives them that right to do so.
I had signed up for XXXX which I had to sign a XXXX year agreement after moving into a new house XXXX yr we bought our house and when our package kept changing and our bill never being the same and the channels chamging day to day we decide to end contract. when XXXX put our equipment into our new house they automatically renew your XXXX year agreement with notice. NOW they are charging me for the XXXX year termination fee..
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX from my credit report!!!!! I never applied to XXXX DO NOT OPEN A FRUAD ALERT!!!! 

You must remove payment plan from XXXX there is no payment plain account is closed I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the e-Oscar. System You must update my credit score!!!!
Shellpoint Mortgage is acting in bad faith on a real estate transaction, being criminally negligent regarding a financial matter and illegally inflating property values for the purposes of acting as a foreclosure mill and deny borrower legal right to avoid foreclosure as afforded by CA Homeowner Bill of Rights On XX/XX/XXXX Shellpoint Mortgage advised that their property value on this short sale request came in at XXXX. This value request was based on an agent they hired who is not a XXXX, did not do a property inspection nor did they research the property prior to visiting the home to check if there were any issues with the city against the home which in fact due to the age of the property there are. 

On XX/XX/XXXX we provided Shellpoint mortgage with the reasons why the property is not worth XXXX which mainly are as outlined below : 1. Major repairs needed as outlined on attached property inspection reports which impair the functionality of the home and must be fixed.

2. Docs from the city requiring work to be performed on the property due to the age of the home. Mainly the fact that the entire sewer system must be replaced due to city regs.

3. Foundation issues on the property as evidenced by reports and pictures. 
These are major issues which must be addressed and taken into consideration when considering value. A value dispute is SUPPOSED to review these issues. However Shellpoint DID NOT REVIEW any of the city docs nor did they review the property inspection report due to GROSS NEGLIGENCE and CRIMINAL NEGLECT when establishing property value. Instead the INCOMPETENT personnel that did the value dispute ONLY reviewed comps which were NEVER the issue. The issue is and has been the major damage and CITY required REPLACEMENTS which GREATLY IMPACT the value.
I have a checking account with Flagstar bank. I have been a customer for about 6 or 7 years. I 'm a senior on social security, with a limited income so there often is n't much money in my account. But today I was charged for XXXX overdraft fees of {$36.00} each. The bank manager says he can only reverse XXXX of them. I called he main Flagstar banking support and got the same answer from them. My issue is that I have the Flagstar app on my phone. I check my balance Almost daily. When I checked over the weekend, I saw some " pending " charges that would post on Tuesday XXXX XXXX. The day after the XXXX XXXX holiday. 
So I deposited a check I had for {$150.00} so that those pending things would be covered. Well, it seems that the bank posts those first and so after the first or second pending item, the Overdraft fees kicked in and then of course all the rest of the items were rejected too. If the check had been posted first, there was money to cover everything I had pending. 
The bank refuses to help me with the XXXX overdraft fees is says it ca n't reverse. That 's {$210.00}. But my account is only {$130.00} overdrawn. So obviously it 's their fees that are causing the problem. I understand now, after speaking with them That things post on a certain order. If I had know that before, I had the check that I ultimately deposited yesterday last Friday. I could have deposited it then and avoided all of this. I did n't understand that it would happen like this. 
I 'm a senior. I do n't always understand the rapid electronic way that financial Institutions work now. I acknowledge that this is my error. But I have more than 2 weeks til My next social security check comes and a prescription that I need to fill Today or tomorrow at the latest. I have no way to make up the overdraft fees. The bank tells me not to worry, I have 30 days to " fix '' my account. These fees are about 15 % of my monthly income so just putting the money in the bank when I get my next check solves nothing for me. Then I am unable to pay other expenses or buy groceries next month? Not a solution in my opinion. 
I would appreciate any help you may be able to provide. 
Thank you so much. 

Item
ATG is reporting a debt under my SSN that does n't belong to me, they atempting to collect for XXXX XXXX XXXX XXXX
In all my credits reports appear that I authorize to request my credit report to different banks when I did not authorize this. The companies are : 1. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX-XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6.XXXX XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
I spoke with Edfinancial by phone in early 2016 about my delinquent loans, and they offered me a period of time not making payments, followed by resumption of payments at a low amount which would increase over time. They stated that they would contact me just before the resumption of payments would begin - around XXXX. They never contacted me. I called and was told my loans were in default and being transferred. I argued, and eventually spoke with an ombudsman, who stopped the transfer of my loans and reinitiated the payment program as had been previously promised. However, Edfinancial had, in the meantime, reported missed payments for the period during which they had agreed I would not have to make payments. They refused to remove this from my credit report. I recently filed a dispute througfh XXXX and Edfinancial still refused. There are two loans and the period covered was months, so there are multiple entries and it significantly impacts my credit.
I have paid in {$1600.00} this year on my student loan alone ( with Navient ) and only {$260.00} came off of my balance. I made my payments every month even though they stated that a payment was not due because I had made so many payments and they were over the minimum amount. Every time I ask questions about how my payments are being applied., I get the run around. No one wants to answer my questions. All they say is that I owed in interest. I do n't understand how that is possible if no payment is due and I was making payments anyways. How can I be behind on interest? I ca n't seem to get any help. I do n't know where to turn.
I need to know and for tax accounting I need to know the money that goes into my escrow and the amount that goes out of my escrow and where the goes to. 

Please note I have 3 Properties. 

I have 3 mortgage loans with Carrington Mortgage and have requested since XX/XX/XXXX ( today is XX/XX/XXXX ) a digest of XX/XX/XXXX payments into my account and out of my account. They referred me to research - I have faxed, written ( research does not take calls ). I call  and get referred to research, who does not respond. So I mail and fax my request to research. At this time 5 faxes. 

Today I got a call from Carrington and returned it as per the voicemail instructions. After 15 minutes of going through the process, I got a person. Explained, yet again, that I needed to know when payments were made out of my escrow account, to whom were the payments made. He said Carrington does not do this. 

This is completely unacceptable that a company can take my escrow money and make payments out, and not disclose for what and/or to whom the payments were made. Plus, the time and energy I have spent trying to get this simple information is not acceptable. I need to balance my escrows for tax purposes and need this information.
I have a CapitalOne issued XXXX credit card ending XXXX. I pay statement balance every month by AutoPay. Where I had used XXXX XXXX XXXX XXXX XXXX to withdraw from til XXXX 2017, I switched the AutoPay to Fidelity Bank. CapitalOne withdrew total payments in XX/XX/XXXX & XXX 2017 from this new bank, but without my input they billed my previous bank XXXX XXXX XXXX XXXX XXXX for the XXXX 2017 payment, which was rejected. They sent me an email of this and readily that balance was paid and they reversed the non-payment fee. Whereas XXXX XXXX XXXX XXXX XXXX billed me their fee of {$33.00} for " Insufficient fund ''.
On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and Experian ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Experian credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Experian Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX Experian has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.
I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2013, and finished paying them off at the end of last year. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.
I have gotten a divorce and my ex had taken out XXXX credit cards using my financial information. They want me to get her name off the mortgage now. Last XXXX I started that process with Bank of America who holds my mortgage, while my credit was still up. They closed the process on me in XXXX with no notification at all.. I then had to go to getting a Loan Assumption because the credit cards the ex had gotten and not paid were now dropping my credit below XXXX. Bank of America told me credit rating was n't an issue with the assumption since I was already on the mortgage. They were more focused on ability of repayment, which my attorney, work comp, and Long Term XXXX carrier all sent necessary papers covering that. Then Bank of America sent me a denial letter stating my credit was n't good enough for them. They lied to me. I am about to lose the only home I have and worked for, for 30 years. My ex is trying to force it to be sold to make me move. I just had back XXXX in XXXX and XXXX XXXX XXXX XXXX XXXX, 2016. My granddaughters live across the street and my wife ran off with my best friend from church. I only have a short amount of time to get this done before she has the judge force me to sell. I just need her name off the mortgage and to assume the loan, which I was told would not be an issue then they lied and denied me. Bank Of America has been penalized here in the recent past for their wrongful and unethical loan & mortgage practices, and it seems they are at it again at the expense of us poor XXXX Veterans and XXXX.
Company is knowingly reporting incorrect amount of balance owed. Supervisor of collections account has been told many times and shown proof of amount that is owed and refuses to update account and continues to increase amount of balance owed.
XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXXnow age off date is XX/XX/XXXXData for joint account holders of same XXXX account reported by same CRA XXXX does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least XXXX different XXXX and multitudes of dates when the account was closed.
My dispute is with XXXX XXXX I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.
I use a company call XXXX XXXX for about 8 months and a lot off incorrect is still on credit report. I also send letters to credit bureaus on my be half reference to removed negitive of my credit report. I have public record report on credit reports and I know the the courts do not report to credit bureaus.
Ditech had a mortgage with me that was charged off in XX/XX/2012, they have since applied a new account number to the same account and reported a balance on the closed account using the new account number. Because of the time lapse of 4 years on the account they have submitted a derogatory mark on my credit history resulting in a severe drop in my credit rating.
XXXX XXXX repossessed my truck in XX/XX/2017 they are still sending me monthly statements I've heard nothing about them selling the vehicle to reduce my loan balance and this time I loan balance with them is {$12000.00}
I am placing a freeze on my credit files at Experian, XXXX, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on consumers.
Hello, My name is XXXX XXXX. I am so frustrated about XXXX company and how it works their system. honestly, I tried everything that I can and even sent them the statements. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX My account number is XXXX opened the account XXXX 2017 This is what they are sending me the last two months. XXXX has completed your dispute for Confirmation Number XXXX and nothing changed Please fix this issue. 
Thank you.
I was notified XX/XX/2018 by collection agency that I owe debt from a utility company. I was not aware of the debt and asked for a copy of the bill. In the meantime I contacted the utility company and discovered it was from my rental property ( they sent my bill to the rental address ) the original bill was for XXXX and they discovered a billing error and reduced the amount to XXXX. I received bill from Utility Company and paid the same day by check ( XX/XX/18 ). Also received bill from Collection Agency. Collections called again around XX/XX/XXXX and I told them I paid the balance and I provided check # and amount when asked. Contacted by Collections on XX/XX/XXXX that I owed a balance of XXXX ( difference between original bill and revised bill ) and I explained that there was no balance and account cleared. They insisted. I verbally disputed the charge and asked them to call Utility Company and they refused I again disputed the balance and they insisted I owed. I contacted Utility Company and they verified XXXX balance and stated they would contact Collections. On XX/XX/XXXX called Utility Company again and they started the manual reversal. Almost 2 weeks later the Collection Agency filed a derogatory remark and collection notice to all reporting Credit Bureaus. My credit is in yellow status and dropped 50-100 points ( depending on what agency ). Also note that in the correspondence from the Collections they did not provide info on the dispute process.
My complaint is, even with a payment plan amount of {$0.00} due monthly tgey still charge interest as though I missed a payment.