WillisBack/dataset-financial-user-claim huggingface dataset:
I received an email from XXXX  stating my account had been sold off to Global Trust Management. They are located in XXXX, FL. 

They called me in XX/XX/XXXX at my work location. I did not record the date as I didn't realize they were going to call me back. They left a voice mail on my phone and another employees phone stating they were " XXXX XXXX and they have something for me and to call them at XXXX ''. The number they called from was XXXX. 
I didn't return the phone call. The next day XXXX XXXX called again and I answered and advised I could NOT receive personal phone calls at work! I hung up. 

XX/XX/XXXX bw XXXX-XXXX - received yet another phone call from them at work. Advised I have already told someone I can't receive personal phone calls at work. and disconnected the call XX/XX/XXXX -  XXXX. Received a call that went to VM. The vm was from a " XXXX XXXX '' looking for my location and left the return number of XXXX. The number on the caller id was XXXX. They are obviously spoofing local XXXX numbers to call me from and leaving a call back number to the XXXX. 

XX/XX/XXXX - around XXXX Received a call from " XXXX '' from same location looking for me. Advised this person I cant take personal calls at work and I have advised them of this repeatedly. She stated she would code my account correctly and harassed me for a phone number. I told her I didn't have one as I can't afford it right now. I told her to mail me something if they need to contact me. She stated they mailed a letter in XX/XX/XXXX, which I did NOT receive. I have yet to receive any mail from this company. She confirmed she does have my correct address. She stated that legal action is about to happen and they can save me money and hung up.
Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to  work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing Midland Credit Management who was representing XXXX XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did n't understand why they did this when I worked out a payment arrangement with the mediator and their  law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.
Creditor Jefferson Capital System placed on my credit report a fraudulent report that I opened an account in XXXX of 2017 when I have NEVER opened and account with them. They are abusing their rights as Creditors
I was shocked when reviewing my credit report and found two late payments on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I have an unverified account from CAINE & WEINER. I had previously disputed this account. I have never done business with CAINE & WEINER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEINER provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEINER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX XXXXXXXX XXXX on my Equifax Report has not been updated since XX/XX/2018 as paid as agreed or current. I have all my money orders as proof as paid
I acquired roughly {$5000.00} of debt in XXXX. Within the last couple of months, now in XXXX, payments are being withheld from my paycheck from Transworld Systems , Inc. My tax returns from the last 6 years have been withheld amounting roughly {$6000.00} because of this. I just received a bill stating I still owe roughly {$8000.00}.
I went to XXXX XXXX XX/XX/XXXX-XX/XX/2016 stayed at XXXX. Made a complaint, I used my Southwest Chase Credt Card, the room was nasty I took pictures of hole in ceiling, dirty carpeting, and ottoman with XXXX stains on it. They moved me to another room and told me by email the charges was going to be comped off. I got my bill which was disputed by Chase and was told the charges was remain, I have email from XXXX stating they comped off the charges which was not. Was told to send email to XXXXXXXXXXXX, then told to send to XXXXXXXXXXXX. well no one has responding and I have a charge on my card for {$160.00} which I was told in email they would comp off.
This is my third dispute on this company XXXX XXXX XXXX. This company is trying to collect a debt that is not mine! They are playing games with my credit reports! I will dispute it with CFPB and the credit reporting agency will remove it because it 's not my debt! But then the XXXX XXXX will placed it in another credit bureau a week later! I 've disputed this from my XXXX, XXXX and now XXXX credit report! This is not my debt and I 've proven that I 've lived at my current address 2 years. I never authorized anyone to use my information to obtain credit or utility services! And they always place it in a credit report without giving me a right to dispute which is against the law. They have sent me no notices which is required by FCRA laws asking me if this is my debt before they place it in any credit file. The original creditor is XXXX XXXX and as I 've explained before I 've been living at the same address for 2 years and do n't have cable with XXXX XXXX at my address. From the information that I 've gathered, the account is a recent account that does not belong to me. Now that I 've disputed with all 3 major bureaus and CFPB 3 times I do n't expect to have to dispute again. And if I do I have record with you and my next step is a civil or class action lawsuit because I 'm sure that I 'm not the only victim they are doing this to. This is taking up too much of my time to have to dispute this ID theft repeatedly!!
I have been paying on my vehicle for almost 3 years. The company has only reported the first XXXX5 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX 2016 as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since 2016 and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.
I applied for a home loan with Mortgage 1. The loan I was looking to get was for first time home buyers, FHA 30 year fixed. I just graduated XXXX school within the last year so my pre approval and closing of the loan was supposed to be on my last years income. My loan officer took my financial income for 3 years prior instead of only using the last years income. I called and emailed my loan officer and her office secretary a number of times stating I wanted to know the daily interest rates and I wanted to lock in my loan when I was ready to do so, depending on the daily rate. NO one ever knew the daily loan rates and never would get back to me with the information I was asking for. My loan officer then told me her secretary locked in my loan rate with out my approval and did not even know what she locked it in at. My moving date was 3 days away and I was told If I did not sign the paper work I would not get the house. After figuring out the interest rate she locked me in at I questioned why it was so high from what was quoted to me. Her response was My credit was really bad and I dont get a better rate. FHA loans do not discriminate on credit scores. FHA excepts interest rates at XXXX my credit score was XXXX. My loan was charged a point over what it should have been. The lender made about 18 grand off my FHA loan. I also had to use their attorney for escrow, where the real estate attorney removed closing statements that were the lenders closing statement from my closing documents, stating the numbers where off due to a glitch in their system. My federal house loan ended up costing me XXXX, I went FHA because I felt like it would be a safer loan in consumer protection. These people made a ton of money off a single mother of XXXX children who works full time and is a XXXX. XXXX an unhappy Federal backed home loan consumer who got robbed by a business.
I made application for a XXXX credit card through Synchrony Bank. I was denied credit based upon my credit being frozen with the credit reporting agencies. 
I then lifted the freeze temporarily and reapplied but was denied based upon " prior application submitted too recently ''. 

Freezing ones credit is highly recommended by not only the federal government but various consumer agencies. It is unfair to categorize an applicant with frozen credit the same as an applicant with poor credit. The implementation of a waiting period to reapply is nonsensically under these circumstances. My credit is superb and I refuse to lift my credit freeze permanently. Synchrony Bank has stated that there is nothing that can be done.
I contacted Synchrony Bank because I found out they charged me over {$200.00} in late fees when I paid my account ahead of time each and every month. So I am being charged for paying on the XXXX of the month instead of the XXXX. They only waived a couple of fees. I want the {$160.00} in late fees waived. This is outrageous. I have been a good customer and do not deserve this type of treatment. My acct # XXXX has to be refunded the {$160.00} immediately.
My origianal mortgage with XXXX / Three and a half years ago Social Sevurity stopped payments to the tune of {$10000.00} because they said I made too much money and that they had over paid me. As a result I was late in my mortgage payements to XXXX. I tried to modify the mortgage many times but my paperwork kept coming back as incomplete eventn though I was working with Mortgage Assisance from the XXXX Office of MA. Because of this I was forced to go into capter XXXX bankruptcy. Then my loan was sold to Selecto Portfolio Services of XXXX XXXX XXXX Utah I have been making payments to them and the Chapter XXXX trustee. A couple of weeks ago my lawyer called sayin that SPS claims that I owe them {$10000.00} and that I have not paid them since XXXX XXXX. They want to go to court to remove the protection and foreclose on my property if I do not comeup with $! XXXX dollars. I am about to send in my XXXX XXXX payment. I am very nervous that this payment and the other payments will not be credited to my account. 
I have gone over all of my bank statements for the past XXXX years and I have made every payment. So, I do not understand why my account is not being credited and why if there was some kind of a problem, why did SPS not tell me sooner. I have been reading so many complaints regarding the company that it makes me fearful of losing my property. I am a single senior and would really appreciate any help you can give me. My lawyer feets that mortgage companies are always right but from what I am reading I have serious doubts especially in the case of a company like SPS.
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Twice this year ( 2018 ), Wells Fargo ( who purchased my mortgage last year a few months after we obtained the loan from a local broker in XXXX LA ) has failed to process my online mortgage payment, even though each time they did process the additional principal payment that was made through the same web transaction used to pay the regular mortgage payment. I believe Wells Fargo is doing this because I am paying off my loan faster than required, and they are looking for other ways to make money off of me ; I believe they are hoping that I won't notice the missed payment until I am past due, at which point they can charge a late payment fee.
Equifax is the only company that repeatedly says I do not know my own information, therefore refuses to allow me to access my account online to be able to dispute inaccurate information. Disputed information with XXXX zero problems. Equifax asks verification questions I am answering correctly, yet they say it " does n't match their records. '' This is done purposely, and is fraud. XXXX of the questions they asked were about a mortgage I 've never owned. Answered None of the Above. XXXX was about the auto loan I just paid off. Answered that correctly. XXXX was about a credit card opened. Answered it correctly. So you see despite giving the correct information, Equifax refuses to allow you to dispute inaccuracies easily in the same fashion as everyone else. PUT THEM OUT OF BUSINESS!
Went online to my bank to pay bill 2 days before it was due. The next day was grayed-out on Citibank 's Bill Pay and would not accept payment, which was not the case with other bills I was paying at the same time. They were open to receive payments the following day. I called my bank and they said it must be a problem on Citibank 's end. I paid, assuming that they have a grace period like other credit cards when the due date is on a weekend. The payment reached them on Monday and I was charged a late fee. I called them and asked that it be forgiven as a one-time courtesy, as I have never missed a payment and have always paid in full, which is also this case with this payment. They refused to remove the late fee.They charged 14 % interest for 2 day late fee which works out to roughly 2,500 % annualized
Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD   XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy DISMSD/CLSD CHXXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Credit card company lowered revolving credit line. I have paid balences all along with over XXXX in assests. This has affected my credit score.
Nationstar denied loan modification for property that was purchased XXXX XXXX with XXXX who was in process of beingsued for " preditory lending '' and filing for bankrupcy in that very month and year. 
Nation Star Mortgage eventually gained control of our mortgage from XXXX. There is a break in the chain of title of & gt ; the mortgage. MERS transferred the mortgage to Nationstar on & gt ; XXXX XXXX, XXXX, but before that on XXXX XXXX, XXXX Freddie & XXXX XXXX Mac owned the mortgage & gt ; ( please see attachment from attorney XXXX XXXX that I havesubmitted for complete information on this. ) Further, The process for " loan modification review '' lasted from XXXX XXXX XXXX, XXXX while the foreclosure process was moving along and is now is the final stages of the Judiciary process. 
I feel that Nationstar did not act in a timely manner and is not following guidelines for a fair loan modification on this property. Reason for mod denial is that the " delinquent amount due '' is too high to produce a lower mortgage when that amount has been increasing steadily as the loan mod review has taken so long. Nationstar regularly asked for documents, and then when those were in, found more documents they needed ; documents that had " timed out '' while Nationstar continued to request new documents had to be resubmitted. The process would begin again for review ; the request for additional documents would come XXXX by XXXX as the time ticked away and the " review '' could notbe completed yet! I worked diligently with Nationstar to complete the " Borrower 's Packet '' and qualify for a Loan Modification. I do n't feel that they have worked to meet my needs in a timely fashion and may not have followed the correct guidelines for a Loan Modification on my behalf. There also seems to be some illegal activity around my account, per the documentation that I have provided in an attachment from Attorney XXXX XXXX. A Sale Date is certainly immanent now on this property. Though XXXX XXXX has given me some council on this matter, he is not currently my attorney. I am working with Legal Aid of Hawaii now to hope to stop the foreclosure. Their resources only allow for Loan Modification assistance. Without immediate attention to this matter, Nationstar will likely foreclose on my property, as there was a sale date of XXXX XXXX, XXXX which was " post-phoned '' by the XXXX Commissioner while the Loan Modification Denial Appeal Review was in progress. 
My appeal for Loan Mod. Denial was denied today, XXXX XXXX, XXXX. 
I am XXXX years old. I purchased this property for my children and grandchildren. 
I would like to keep this property if at all possible. thankyou. 
.
Capitol one to ld me on Saturday  XXXX  at around  XXXX  eastern standard time they were going to update with the credit breaus early because need to be done for a mortgage approval and they did n't
I reviewed my credit report through Transunion. I have an unidentified hard inquiry on my file. XXXX Inquiry from XX/XX/2017. I did not authorize this inquire and Transunion refused to remove this from my credit report.
I can document through the payment history of my Consolidated XXXX Student Loans a consistent, persistent and systemic pattern of payment allocation errors. 

These errors represent a documented history of fraud and malfeasance by Navient regarding the proper management of my XXXX Student Loans according to the promissory note and, thereby, the Truth in Lending Act. 

For my first example of these payment allocation errors, please see the attached document, which shows the payment made on XXXX, where almost XXXX ( e.g. {$220.00} ) of a {$340.00} payment was applied towards the XXXX Federal Loan, which has the lower principal balance. 

Additionally, I can provide documentation for more than XXXX instances of similar allocation errors over the 12 year repayment history of my student loans with Navient XXXX
I have a student loan now with Navient. they state that they only maintain the history of the loan payments for the last 50 months. They have reported the loan as negative on my credit report based upon information from XXXX. They contend nd that I did not make certain payments prior to XXXX XXXX, but do not have the information prior to that time. I have requested a complete history of the payments they are showing prior to the last 50 months and are unable or unwilling to provide me with the information requested. They sent me on a run around to XXXX XXXX XXXX XXXX who advised that they do not have the information and do not know where I can obtain it. I spoke with XXXX at Navient her ID number is allegedly XXXX XXXX and she was not helpful and rather dismissive
i am going to waste my time once more to ask for help against Chase credit card company. I had to close my excellent open account with XXXX balance that I had for many years, because chase would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from XXXX , but my chase card is no where to be reported, it was there in XX/XX/XXXX. I call XXXX they say there is no record of it and I need to call chase to get it reported. I call chase, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO XXXX. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT FROM MY CREDIT REPORT.
After disputing the status of the XXXX account on my credit file, Equifax continues to report that the XXXX account status is a " Bad Debt ; Placed for collection ; '' and with XXXX missed payments. '' This is incorrect. The XXXX account status is closed with a {$0.00} balance and paid as agreed. Equifax has not provided any method of verification for this account or the supposed company that this account was placed in collections with.
Hello, I opened a CitiGold checking account with Citibank on XXXX XXXX in response to a promotional offer rewarding XXXX XXXX XXXX miles when fulfilling some basic requirements ( {$1000.00} in purchases and 2 bill pays ). I contacted citibank via secure message and they confirmed that I fulfilled these requirements in XX/XX/XXXX and that I would have to wait 90 days to receive my bonus. 

After waiting and occasional checkins I was told to wait and be patient. After contacting them for an update I was told on XX/XX/XXXX that I would not be receiving the bonus because I was no eligible. Obviously I felt misled so they opened and investigation and promised an answer in a couple of weeks, but over a month later I still have n't heard anything. They still continue to charge me monthly service fees on the account ( {$30.00} ) while not holding up their end of the deal. I feel cheated and used as I had to open up a Citibank XXXX XXXX credit card to receive this bonus .... Any advice you could give in regards to my situation would be greatly appreciated. 

Thank you!
I had signed up for the Citibank/XXXX credit card in XX/XX/XXXX. I forgot to set up payments for this card until XX/XX/XXXX and Citi reported a late payment to XXXX and XXXX. I requested Citi in XX/XX/XXXX to remove this reporting and they agreed. The fixed the reporting in XX/XX/XXXX. But in XX/XX/XXXX Citi reported late payment once again even though I had auto-pay set up on my account this time. I contacted them several times on phone since then and they verbally agreed that the last reporting was a bank error. But they have failed to remove the reporting. I filed complaints via the Citibank Credit Bureau Disputes but they always reply that the reporting is accurate.