WillisBack/dataset-financial-user-claim huggingface dataset:
I had received a phone call I called back and left a mmessage because he was on lunch. He called me back I asked if I could set up a payment arraignment I was told he would see what he could do I offered XXXX by the XXXX and I 'd do more each mnth after that. He declined and came back with XXXX by the XXXX. I informed him I could n't come up with that and asked to speak to a manager. The manager told me he did n't have to offer me any payment arrangements and so I got upset and asked to speak to his boss. I was falsely informed that there was no one else I could speak with that I had to write the president himself and wait for a reply. I got XXXX and used a little bit of profane language and told him there had to be someone else I could speak with and he said no and hung up. I called back XXXX got hung up on XXXX more times before I spoke to another manager. This manager told me that he did n't care what was said by the other manager I was talking to him now and so I said well then I need u to set up my payments so this does n't hit my credit like ur threatening. He then said I do n't have to do anything but I can. I said no u need to set this up for me so it does n't hurt my credit. Again he told me he did n't have to do anything but he can and hung up. I called back a final time in tears at this point cuz they are threatening to hurt my credit yet not set up a payment plan for me. I got the first manager I spoke to in the first place and he told me when I call to complain make sure I tell them that he set up my payments when the law would n't make him so he did me a favor even tho he did n't have too. I spoke to XXXX Id # XXXX. XXXX id # XXXX and XXXX I did n't get his id number. I was also informed that they have been contacting me multiple times that was thrown in my face and this was the first time I received a call and called right back.
On XXXX XXXX, XX/XX/2015, I refinanced my home loan with Bank of America. The proceeds for the refinance were wired and the payoff was processed. On the payoff statement, Bank of America advised they would refund any applicable escrow proceeds within 30 days. When I received my overage, it was far less than I anticipated by roughly {$400.00}. Over the span of 3 weeks, I spoke with XXXX people at Bank of America who assured me my proceeds would be refunded to me. The explanations varied from my loan being packaged to be sold which required B of A to over-pay my escrow to a timing of my payoff. It makes no sense why the explanation varied but at the end of the day, I 'm owed a refund. As of today, Bank of America has not only failed to send me my money but waited until XXXX/XXXXXX/XX/2015 to advise that my loan was paid in full. According to HUD, they advised I 'm not entitled to a refund due to the timing of the loan termination paper work. I wish to fill a complaint due to Bank of America 's willful intentions to withhold my money.
Experian is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by Experian on my accounts that lingered old accounts way past its statute of  limitations. Experian is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with Experian has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to Experian many times but received nothing in return. Experian needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.
I had negative balance in my key bank account .When I saw this I contacted key bank customer service and the person I spoke with had in touch supervision and confirmed me that all the minis balance ( total {$62.00} ) will be waived from my account mi waited for another few days and checked if it 's saved but seeing it 's not been waived I contacted again then they promised that my request has been to somewhere to get it sanctioned that 's why it takes time and also made sure that I could even go to the local branch to get it waved, I do n't need to explain everything will be there in system.i thought OK and was busy with other stuff, checking my account today I was shocked to see that not only my previous balance was not waved but also there was a new reccuring overdraft fee added to the account totalling {$91.00}. I called customer service and now they say they have nothing in the system and do n't know anything about my previous calls.i am totally helpless, they are being money looters and I can not let it go like this.Expecting help to resolve this issue.Thank you
I Applied fir loan modification on X/XX/17 first I was told I did not qualify for any programs because I have a up side down loan a rental property and a investor backed loan then a different person came on and told me they had a new program called flex modification I could use but I would have to be 60 days late to use it and they sent it to me by mail and on line on XXXX / XXXX / 17 I called with a question on the paper work and she told me my account did not qualify for any modification I could fill out paper work but it would not do any good I have XXXX XXXX and this news greatly affected my condition I thought there was hope after being turned down several times that I could get out of my XXXX XXXX questionable loan that was 10 year interest only until XXXX 2017 then it became a p & I loan that adjusts every 6 months and just went, up over 600 a month with payment and up keep I am paying out of pocket and as rates continue, to go up things will get worse I need the extra income to cover expenses mislead by by Nationstar
I printed the online Annual Credit Report Request Form & submitted copies of all the info they required : SS card, pension stub, XXXX form, driver 's license & utility bill. This was mailed XX/XX/2015. Their form notes that this will be processed within XXXX days of receipt, & if there are any issues w/ my submitted material, they will contact me. There has been no contact & I have not received the Equifax report I requested as of today -- XXXX XXXX. When you call this company 's number, you not only can not receive a " person, '' but the telephone tree does not allow a provision for " status of credit report request. '' So I have all of this sensitive info adrift someplace making myself a prime candidate for identity theft -- exactly what I was trying to avoid. Note : All was mailed to Annual Credit Report XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. Their telephone # : XXXX.
On XX/XX/XXXX around XXXX XXXX I got a call from a private number that claimed they were with XXXX XXXX and could not give me any information other than a case number ( XXXX ) and a phone number to call regarding that case number ( XXXX ). I called the number which belongs to what they claim is a debt collection company calling for a payday loan from XXXX with Cash Central called XXXX XXXX, they told me I was going to be taken to court and would have to pay {$1400.00} unless I wanted to take care of it over the phone with them which I could only do by providing a card number with them right at that moment ( they also mentioned they only take Visa or master ). At that point I told them I would have to call them back. I did some fact checking and called consumer finance later that evening. They do not have a valid website anywhere and the number seems to come up as scam on XXXX. I called them back today ( XX/XX/XXXX ) to ask for a physical address which they could not provide due to child protective services cases they apparently provide, and I also asked for a professional licensing number which at first they said I had to speak to a supervisor for that number, out me on a brief hold, then came back and claimed they also couldn't provide that number unless I had an attorney present or once I was already in court with them. At that point I told them I was not comfortable giving them information and they told me they would see me in court. The apparent employee I spoke to said her name was XXXX XXXX on XX/XX/XXXX when I called back today ( XX/XX/XXXX ) they first acted like they had no idea who that employee was, put me on a brief hold, then said she had stepped out and wasn't available to speak at the moment. I then called Cash Central, asked  who they had sent the debt to, they gave me the name and the number to the debt collection company they work with ( which is XXXX XXXX ) and mentioned they had never heard of XXXX XXXX.
Back on XX/XX/XXXX I and co-signer took out a XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX for {$15000.00}. I recall the variable interest rate was 3.5 %. The loan has been in a XXXX deferment the entire time. I now not the rate to be 14.5 % and the loan is at {$31000.00}. Now loan is with Navient. I have contacted Navient multiple times to see what happened. I requested to know what the original rate was and informed they ca n't find the original disclosure statement for the loan. I and same cosigner took a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/12 for {$5000.00} with a 3.5 % rate- It 's still at 3.5 %. I have never missed a payment with the loan and the accout is in good standing. There is no reason the rate to have increased to 14.5 % and Navient ca n't attest. I feel this has been a grave error on either XXXX XXXX 's or Navients part.
I have repeatedly asked XXXX XXXX XXXX to contact my attorney XXXX XXXX to work out payments since I have retained his services to settle my debt. Instead they keep calling and harassing me. Insisting that if I don't take care of this now they will speak with my employer. After telling them on numerous occasions that I will lose my job if they contact me at work they still contact me. I have an attorney they can speak with but they insist on harassing me not only at home but at work.
I enrolled in electronic billing for  my American Express Cred it Card and to receive email notifications for when my bill is due. I do not have record of receiving an email bill for my  XXXX  or  XXXX   2017 . Because I had not used the card recently an {$11.00} balance went delinquent for 34 days before I caught the error. I do not have record of receiving a bill or warnings of a delinquent payment. As a result my  XXXX   credit score declin ed to  XXXX  from  XXXX . I have never been late on any payment prior to this insignificant balance bu t American Express is un willing to correct the error or acknowledge if an email was sent on the bill. To test the alert system in  XXXX     2017  I mis sed an {$11.00} payment by a couple of days to see what alerts American Express would provide, which it does not. I also noticed that American Express does not disclose the account is delinquent in the email only if you sign into your account to view the bill ( see attached image ). If you enroll in electronic billing and receive emails the credit companies should, at the least, provide an alert in the email that the bill is delinquent. They are saving money on paper bills and postage and could easily provide alerts that the bill is delinquent to avoid this issue on an insignificant balance. I called the company and was referred to three differen t departments and spent a couple of hours on the phone only  with 5 different people only to hear that there is nothing they could do to revise the delinquency because they are not at fault.
I refinanced my XXXX on XX/XX/2016. The vehicle was used as collateral for the loan. On XX/XX/2016 I was involved in an accident and the vehicle was a total loss. I just had liability insurance on the car at the time and the loss was not covered. I drove for XXXX and now I had no income since I had no car. I was unable to continue to pay on the loan. The loan company sent me a letter and said that the loan would be paid in full and the debt settled if I could pay XXXX. I worked with my insurance co. for several weeks and finally they did agreed to pay for some damage. ( comprehensive/falling objects. ) When my insurance company called the loan company to find out the amount they needed to send to pay off the loan, they were told by the loan company the payoff was XXXX! I went back to the loan company and they said they were not going to honor the settlement agreement they had agreed to. I looked more closely at the loan documents and how I was treated and feel the loan situation was predatory. This has put me in a bad financial situation.
The specific problem is that via Trans Union &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a Trans Union rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score  XXXX  ;   XXXX   XXXX   XXXX    XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   XXXX   XXXX
CMRE, a collection agency, is reporting to my credit report a debt that is not mine. They are porting some kind of XXXX XXXX services. As a matter of fact, I 've never had any XXXX in my life other than XXXX. The total amount this agency is reporting to XXXX and XXXX is {$270.00}.
On XXXX XXXX I received a notice/ not an actual debt validation letter with proof like contract, signature stating that I owe XXXX to check into cash way back from XXXX XXXX. I have already contacted XXXX to dispute and delete this from my credit report they sent a notice/ bill no contract proven that I gotten this loan ...
I have been issued the VISA Platinum level credit card by CITI bank a few years ago. I have been currently out of the country since XX/XX/XXXX and Citibank/credit card was informed about it. Unfortunately, without informing me or without any advance notice, the card has been blocked and I am unable to use the card while travelling, which causes a lot of problems for me. There is no reason for blocking my card and funds on the above card. I called the bank four times on XX/XX/XXXX. The first representative informed me that the bank is changing cards ( from VISA to Masercard ) and that I would be receiving a new card " soon ''. I was also informed that I could still use the old card for 75 days. The bank employee confirmed, that if I tranferred my money to the old card I would be able to use it. I did that. Unfortunately, my card and my funds are still blocked by Citibank. I called Citibank again after my card was declined during attempt to pay a bill. I was informed that due to weekend my funds would be available on the next business day, that supposed to be Monday ( XX/XX/XXXX ). I waited. Unfortunately, the card was declined on that day as well. I called the bank immiedietly after that ( again a few times as no one was answering the call after I was prompted to enter my card number and Social security number ). Finally I was connected and asked to speak with a suprevisor. In a pleasant conversation, the supervisor assuered me that I would be able to use the card after midnight, meaning on Tuesday ( XX/XX/XXXX ). I have just tried to use the card today ( XX/XX/XXXX ) however the situation continues, and the card is blocked by Citibank without my posibility of paying the essential bills including, but not limited to buying a plane ticket. The situation is outragous with the bank being fully aware of my travels abroad, sending some cards somewhere ( certainly not to me ) and blocking my old card preventing me form using it while travelling abroad and having limited access to any funds or banks. Moreover, on XX/XX/XXXX, I received a call from Citibank employee telling me that my credit card bill is overdue and I am over the limit on the card, which is clearly not the truth as showed in the attached screen photo of my Citibank credit card webpage as of XX/XX/XXXX.
I had gotten repeated phone calls from " XXXX XXXX '' who says he is with a third party collector called, " ASG '' XXXX XXXX has threatened me with calling people " associated '' with me by naming off a list of people whom I may know. He said to me, " then I will be calling such and such and named off a list of people some of which are n't even relations to me. He also threatened to " garnish '' my wages if I did n't pay them {$1200.00} by Friday. He had a " courier '' who would be serving me papers on Tuesday and no one showed up. 
I was getting irritated with the entire conversation. He was talking over top of me, yelling on the phone, " asked if I had n't had my coffee for the day ''. I asked for a street address, and he refused to give me the street address, but rather a XXXX XXXX because it was none of my business of the street " ASG '' was located on. I feel this " XXXX XXXX '' is a scam since he talked to me the way he did. I will not pay or hand over {$1200.00} without knowing if this was a scam. I called back nine times to speak with him after he hung up on me the third time. On the ninth call, he told me I was harassing him and he would be calling the police on me and I would go to jail. 

I will not hand over {$1200.00} to some person who I do n't think is legit. Someone needs to investigate them. If it is legit, I will be happy to pay my debt.
We have received a letter of " Notice of Pre-Foreclosure options '' form bank of America for our house on XXXX XXXX XXXX XXXX, XXXX, WA XXXX The letter requests that we " respond within 30 days or a notice of default may be issued and you may lose your home in foreclosure ''. 
Yet, the latter did not include why this letters was issued and why we may lose our home for a foreclosure. Bank of America failed to tell us know what is the problem and what action we need to take to avoid such action by them. Especially when we paid our mortgage on time every month since 2009. 
I am attaching the letter we received from Bank of America and the last mortgage statement. We here by request asking your assistance in resolving this issue and would like the bank to : 1. Specify exactly what is the problem and what we need to do to resolve. We need that in clear " English '' not in obscure lawyer language. 
2. Rescind the letter in writing. 

We also, contacted the bank today and the customer service person was not able to help and he stated that he " could not find any reason fro such letter since our payments are up-to-date ''. On top of that, he stated that he could not do anything.
I have tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, XXXX, and Experien all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a XXXX XXXX, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.
Ad Astra Recovery Service    XXXX   XXXX  2 013  Origional Creditor Name  XXXX    XXXX   XXXX    XXXX  I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to  XXXX   XXXX  which the name do no match up in the Account.
Due to health concerns I was not able to work my XXXX as strong as possible and due to reduced income I became delinquent on my Ocwen serviced mortgage. In XX/XX/2015 I continued to work with Ocwen providing them enough documents for a complete package. Recently, underwriting Ocwen declared that my loan modification request would be denied because of too many loans in a certain " investor pool '' having already received a loan modification and therefore they are closing out my case and giving me a denial. Upon conversations with mortgage professionals and visiting a HUD approved housing counselor, everyone said that this was the first time they had heard of this reason for not allowing a loan modification. I would like to have someone follow-up to see if indeed this reason is legitimate.
Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with XXXX. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.
I had fallen behind on my mortgage payments with PNC Bank, I was given the option of going on a trial program for 3 months. I needed to make these payments by the first of the month and they would then give me a loan modification. Before I said I would do this, I questioned the guy from PNC because on the trial payments it said 480 months. He told me that was just for the trial and he had never seen it stay that way after the trial period. Well I just finished my trial payments, and he tells me that he did n't explain it to me that way and the new loan which saves me roughly $ XXXX month from {$1300.00} to {$1100.00} but adds 23 years to my loan, and does n't change the principle or interest rate on my original loan. I thought I was participating in a plan that would help me, not prey on my circumstance.
I have a store credit card with XXXX/XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX and XXXX/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX   are all reporting me late. There was definitely an error on their part. I was never 30 days late.