WillisBack/dataset-financial-user-claim huggingface dataset:
I cosigned a loan with XXXX XXXX, now Navient, and they will not tell me the steps that the borrower and I need have done in order to release me of the loan. They said they will only discuss it with the borrower, who unfortunately for me, is unreliable when it comes to contacting Navient. Nothing that I signed to cosign the loan ever stated that I was n't able to discuss my cosigner release steps. I 'm being scammed.
I withdrew authorization for use of a business credit card in XXXX XXXX, 2016. I notified the bank card company and provided proof that authorization had been withdrawn this notification was XXXX XXXX, 2016 the bank ( Bank of America ) has not stopped the company from billing the card in spite of the formal complaint that has been lodged. I have been charged an additional 2 months. I have filed a complaint against the company as well for using the credit card without authorization. I am seeking immediate relief of these charges and the company stop billing me.
The XXXX Is my dads name and So is the Tax Lien on XXXX/XXXX/2009 XXXX. Also I have never lived on at XXXX XXXX XXXX ohio XXXX
I received a phone call at my place of employment from macys credit card company that i need to make a payment and i was very upset with XXXX thing, first i do not have a macy 's credit card second they had called to my place of employment. i told the lady they have the wrong person and told her that do not call me back ever again. But she got a little rude which made me to hang the phone on her. This happened on XXXX 2015 and since then I had filed a police report I had send letters to macys stating this account is not mine also disputed the account with credit bureaus. Macys has not done anything to satisfy my request as a consumer whos identity was stolen they keep sending me the same letter saying that they have received my recent correspondent regarding a macys account and my letter has been forwarded to their fraud investigation and some one from fraud department of macys will contact me regarding my concerns. as of this date I have not received any phone calls regards to this urgent matter. only thing I have got from macys is bunch of promises with the same generic letter but with a different date on it. please help me to resolve this matter.
I have XXXX collection accounts which are unfairly reporting on XXXX, XXXX AND EQUIFAX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.
I saw three derogatory marks on my XXXX credit report, all from Mountain Land Collections, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called XXXX. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. XXXX then sent a letter stating there was nothing they could do. I 've also contacted the collections company, Mountain Land Collections, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that Mountain Land Collections told me they received the bill from, and they 're working to rectify the issue. 

The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. XXXX was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight.
Equifax 's website to know whether you account has been comprised states that it well tell you if your account was compromised or not. When I submitted my info it only gave me a date and deferred me. It did not tell me what the impact was like it claimed to do. Now I have to wait till the XXXX.
I have send Equifax several letters asking that since they keep saying they verified that this alleged XXXX account XXXX as being verified which is false information. I lived with my aunt who has exact same name as myself and they are mistaken and so to clear my name I have asked Equifax for physical documented proof because when I had an agency call XXXX we spoke with a XXXX Id number XXXX and she clearly said they ca n't release 3rd party information without the account holders written authorization and since my aunt is deceased she ca n't write a authorization to them. So clearly Equifax is making false statements in which if they do n't remove this unverified debt I have to seek legal action. I have clearly been keeping all my certified receipts with their signature showing each time I send a letter on this matter they have received this and still have not send me any physical documents in which they keep saying verified but how? I would like to know in writing how they supposed verified because if this unverified debt remains on my report in case I need to take this to trial due to this damaging my character it 's very embarrassing and they keep saying verified and nothing else. Clearly they are in violation of the FDCPA section 809 ( b ) and are not following FCRA 611 ( a ) rule. I also have asked several times who in their company verified this XXXX account in question if XXXX said they need a signed statement and being that I have not signed anything clearly means something is going on and this account needs be deleted. Someone with XXXX must authenticate the documents in my file that were used to verify the disputed account and I said they must have first hand knowledge of the alleged account under penalty or perjury. According to XXXX 's law dictionary XXXX edition 1990 defines " verification " as " confirmation of correctness, truth or authenticity, by affidavit oath or deposition " affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that Equifax must be willing to be able to produce a document that proves the account belong to me. Due to their continued disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 of the if the UNVERIFIED Item is not deleted from my report.
Let me start off stating I am very disappointed in my experience with Guaranteed Rate. I am a XXXX XXXX for a huge bank and chose to originate my first mortgage with Guaranteed Rate due to the overwhelming customer satisfaction experiences of other clients. To my surprise, after receiving a clear to close in XX/XX/XXXX and almost a 3 week notice of closing date, Guaranteed Rate dropped the ball by not having the final figures ready until after I showed up at closing, which is absolutely ridiculous when you have a 3 week notice of closing. 

Per numerous conversations with XXXX XXXX, the mortgage consultant ( and I hope recorded ) he had explained the 2 % grant from XXXX XXXX XXXX Home Possible could be used toward the down payment of the 3 % customer required amount for XXXX XXXX XXXX XXXX XXXX  program. He even told me I would most likely have to bring less than {$1000.00} to closing. I received an email on XX/XX/2018 from XXXX misleading me on the 3 2 5 Guaranteed Rate grant program and confirming my approximate cash to close would be about {$300.00}. The loan officer confirmed by email the 2 % grant could be applied to my 3 % contribution/down payment. I didn't receive a final settlement statement/closing disclosure until I was literally at the closing table and to my surprise my cash to close was {$4500.00}. XXXX was now saying the 2 % grant could not be applied to my 3 % minimum down payment. I was infuriated because this is not how the loan officer explained the 3 2 5 Guaranteed Rate program. This caused my final figures to be thrown off by not having enough closing costs to use all of the seller credit that I was given. 

To make matters worse, he didn't fully utilize the {$6000.00} seller credit that was agreed upon between the seller and me. I bought the down the rate to 4.375 % since it was originally locked in at 4.875 %. The seller was only required to give me {$5000.00} at closing because XXXX didn't let me know ahead of time that there would be extra seller credit left over that could've been applied to buying down the rate. Not only did I lose out on {$1000.00} of seller credit but I lost out on saving interest by not buying down my rate with the entire seller credit. The seller 's attorney would not allow me to delay the closing to buy down the rate and stated I was in breach of contract if I did not sign on XX/XX/18. Now I ask, why didn't XXXX quote me a lower rate to buy down the interest rate even more prior to closing? Why was there extra seller credit that given back to the seller? The loan office miscalculated how the 2 % grant would be applied and cause me to close {$1000.00} in seller credit that could have been used to obtain a lower interest rate. 

Buying a home is supposed to be one of the happiest days of your life and I was left at the closing crying because I had to come with cash to close that was not anticipated and lost money that was supposed to be given to me from the seller. How is it ok for a loan officer to mislead the customer to believe a credit can be applied towards a down payment then surprise the customer at closing by saying it can only be applied to closing costs?
I overpaid my escrow account throughout XX/XX/XXXX, when I bought my house. USBank noted this in XXXX XXXX and sent me a check, which I never received. On XXXX XXXX, XXXX I received a notice that my refund check of {$680.00} still was not cashed, and to cash it if I could. I called US Bank and told them I never received the initial check. They told me they had to charge me {$15.00} re-issue fee in order to re-issue the check I never received. They charged me even after I told them that I refused to pay the fee and took it out of the refund amount.
Payment XXXX. Deferred XXXX. Missed XXXX due to issues. Between my phone and spouse, they call XXXX times a day. Even once or twice when we were two days past due date, they start their XXXX phonr calls a day. They have been asked not to call XXXX phone during working hours and still do. They called work phone once or twice after asked not to. 

On XXXX phone alone, XXXX phone calls since XXXX XXXX, 2015. Saved for proof
i have a collection account opened XXXX XXXX, 2017, Amount XXXX i recently have gone through financial hardship. I have explained to them my situation, i have very little experience with collection.
We enrolled in nationwide bi weekly program and now they are closed and they say the issue might get resolved few months later. They had also collected a fees of over XXXX $ from us and now they are saying even though the service is not offered the money is not refundable and refusing to answer questions. 

I also see this in reference to this XXXX Please help any way. Thanks
Hello, Discover Credit Card closed my account on XX/XX/XXXX. I have been a loyal customer with them since XX/XX/XXXX. 8 YEARS of loyalty. I called the morning of XX/XX/XXXX asking if there was any way to re-open my account since it had not even been 24 hours since they had closed the account. They advised me there was nothing they could do. Told me I could re-apply and I replied back asking how that was going to help me. It is pretty disheartening that a company would treat their loyal customers like this. From forums I have read online, people have been successful re-opening their accounts with Discover. I am hoping that Discover will reconsider and allow me to reinstate my account. 

Thank you.
I am trying to find out why is my XXXX discharge taking so long to go through by the loan services. XXXX notified them on XX/XX/2018 of my permanent discharge approval due to verified VA XXXX. I keep calling and asking so I keep getting different answers about why it is not done yet. Including any refunds that is due back. First, they said 60 days, then 90 days, and now 6 months. XXXX said it should have been completed by now because they have all paper work needed for discharge and any refunds that is due back. Thank you
Capital One is threatening a lawsuit if I miss another payment on my card ending in XXXX. I 've told them repeatedly that the charges making up the balance ARE NOT MINE!!!!!! I will NOT pay this balance!!! Let them waste their money on a lawsuit. I 'm still not paying for these charges as they ARE NOT MINE!!!
I received your results for case #  XXXX  via mail and I do not agree with the method of validation. I am requesting proof of the original contract or document with my Name, Address, and Signature validating this item as accurate and correct. In addition, the person 's Name, Address, Telephone number, and Signature validating this item from the original creditor  XXXX   XXXX  University. If no documents can be produced please Delete the item from the credit report. I have attached my request in writing along with Experian 's results on this web portal.   Thanks ...
A couple of weeks ago, I was notified that someone other than me had requested the log-in information for my XXXX account. Afraid that i was at risk for identity theft, I went to experian.com and paid for one of their credit reports ( which pulls from all XXXX reporting agencies ) to reassure myself that nobody had successfully stolen my identity ( YET ). During the process of purchasing the report, apparently I also signed up for a 7-day trial " credit tracking '' service, and agreed to have {$21.00} charged to my credit card on a monthly basis starting at the end of that 7 days. 
I do not recall agreeing to this, and of course I was anxious about the potential for identity theft, so I may have missed it. HOWEVER -- I think this a deceptive and disheartening initiiative on the part of Experian -- XXXX of the agencies I trust to help ensure that my credit is accurately represented and to help me identify any fraudulent use of that credit is pulling the same sort of sneaky " extra service '' shenannigans that XXXX XXXX and other credit card companies were pulling just a few years ago! I would like my money back, but have been assured by a banner on the experian web site that I will not receive that -- which to me indicates that I am not the only customer upset by this practice. I believe this was opportunistic on Experian 's part, as reports of tax fraud were rampant in the media. 
I hope this agency will hold Experian to a higher standard. This behavior is a little weaselly for a credit agency.
On XX/XX/2018, around XXXX we made 3 deposits to the BB & T bank ATM in the amounts of {$1800.00}, {$5000.00}, and {$5000.00}. When making the last deposit, the ATM shut down, did not return the money, nor post on the account. We made calls to BB & T and filed for fraud. The fraud report was denied because agent said that the bank ATM balance was correct and there was no discrepancy in overages. The agent refused to view surveillance footage of the ATM to confirm no internal theft took place. At the deposit, we were driving a XXXX XXXX XXXX XXXX note and made 3 separate deposits. The missing deposit was in {$100.00} bills in cash. The Bank refuses to investigate the situation further. Attempts to resolve through bank failed. Will not provide any footage of ATM audit or relevant facts. ATM is supposedly serviced by XXXX and they claimed that there was no surplus deposit in the ATM. 

In the fraud filing process the agent took down the incident wrong multiple times to the point that we had to go to the branch and file a new fraud claim. The bank refuses to do anything about the lost deposit and refuses to admit that internal theft is at play. They will not look at video or investigate the situation.
Collection company called EOS CCA called my phone number and required me to call them back. I was not the person they wanted to talk to. Under the law, if I called them back and the debt was mine, it would constitute my initiating contact and the statute of limitations would begin all over again. Their number is XXXX. This practice should be outlawed.
When I ran my credit report to buy a home I found a credit card from Capital One on my report ..I do n't have nor have I ever had a capital one account..I called Capital One and got the run around being passed from person to person who kept asking for the card number..I do n't have an account how can I have the number..Told them I was calling the fraud department for a fraudulent account they put me in touch with a person named XXXX who said she would call me back in 24 to 48 hours.. never did, than I find out that they closed the investigation and were holding me financially responsible for this account..How can I be held responsible for an account I never opened someone else did and they wo n't return my calls to resolve this matter..It 's XXXX dollars and is wrecking my credit they do n't care..I need help to get this off my credit
I first ordered some items form Kohls.com in XXXX of last year. I ordered on-line and after I placed the order I noticed that it was going to be sent to an old address of my daughters in XXXX, Alabama. ( Copy of Kohls statement attached ). I noticed it right away and called Kohls and was told I could not change the order and that it would be delivered to the old address in Alabama. They said if it is returned to them they would credit my account for XXXX. I called back and was told that the items had been returned and that it the charge would be credited to my account. Unfortunately I don't have the dates for the first two calls but they occurred inXX/XX/XXXX. I have a date for the third call I made ( see attached ) that was made on XX/XX/XXXXwhere I first promised a refund. That is the first documented contact in writing. I have supplied the attached correspondence. To add insult to injury they added a {$27.00} late fee on my account for the charge that was supposed to be refunded. This is the worst possible non customer service that I have ever encountered. The people at Kohls.com have failed in every way. Please help, XXXX XXXX
I called XXXX by XXXX to tell them I lost my job, and to ask for assistance with payments while I find a job. The representative gave me numbers, all belonging to crooks. One being XXXX. They promised me they 'll help me, and proceeded to try to sell me stuff I do n't want. I spent 30 minutes with them, followed by a hang-up. This is incredibly unethical. I ca n't fathom how they can do this to people during XXXX.
I received a letter from Capital One indicating they suspected I was a victim of identity theft. I talked to them over the phone and they promissed they would resolve the situation by doing their own investigation. after that I received another letter which states that they concluded the investigation and they concluded that I am responsible for a debt of over {$4000.00}. I have tryied to contact the Fraud associate that was assigned to my case many times and left multiple messages. I have never been able to reach her or get to a resolution. I have called Capital One and try to speak to someone else, but they keep referring me back to the same person and noone seems to care to assist me. today I have filed a police report.
I was contacted by Fidelity Creditor Services in the week of XX/XX/XXXX about a debt from XX/XX/2013 from XXXX, the amount is {$520.00} and I have XXXX never got a mail or letter or anything from XXXX before. Fidelity Creditor Services has reported the debt to my credit without obtaining verification or validation and they are trying to collect the money from me.
I have made the same disputes with all three credit bureaus for months. Just recently XXXX  rectified the situation by removing all the incorrect information from my report. After that was completed, I reached out to XXXX   and experian to see what was necessary to remove the same items. I was told to dispute it. I explained I disputed multiple times and it was returned as correct info. They said since XXXX  removes the items its likely if I resubmit the dispute the same ones will be removed for their reports as well. So I disputed it again, to my surprise it returned as correct information. So I called again and was told the companies provided evidence it was correct. I asked how could it be correct for this report and not for another? I also asked if I could get this supposed evidence and was told to reach out to the companies. I dont think its fair that I have to keep disputing for months and the two reports still show incorrect/ fraudulent information. I want the items I have disputed numerous times to be removed. I even offered to provide proof XXXX removed the items and was told it wasnt needed. At this point I dont know what to do, but it rectify ASAP so I can repair my credit score.
I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit. These inquiries were done without my knowledge, authorization, consent and or signature.
my co-signer and I had a loan through Santander consumer usa for over two years and kept our end of the contract and paid every month on time. they reported the payments to the credit bureaus. Then I went bankrupt for medical reasons but continued to pay the car loan on time and signed a reaffirmation agreement. they took the entire loan off my co-signer and my credit report and stole any credit i have earned. My car got financially totaled and my car was paid in full after the reaffimation court date. santander refuses to put any of my good work on the credit report. I more than kept up with my end of the deal and they worked hard to not do part of there side of the deal. I have proof and paperwork but no way to upload it onto my computer just ask and I will send them if needed.