WillisBack/dataset-financial-user-claim huggingface dataset:
I was offered a modification on my mortgage with XXXX XXXX. I had to make three trial payments as follows : XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}. 

The modification then detailed that the actual mortgage payments of {$1200.00} would start on XX/XX/XXXX. I have the copy of the modification package. 

Being that this left XXXX without a payment, I decided to make the regular payment of {$1200.00} anyway so that there would be no lapses in payment. 
Check XXXX for {$1200.00} Mailed on XX/XX/XXXX ( I have the XXXX receipt ) Cleared my bank on XX/XX/XXXX ( I have the copy of the cleared check ) I then discovered that XXXX Servicing reported me to the credit bureaus as being late in XX/XX/XXXX. I called and spoke directly with the account manager and explained this to him. I also submitted my proof of payment, showing the cleared check and the postage receipt. They did not correct the reporting. I called two more times and spoke with other XXXX XXXX personnel, who also stated they considered the payment late. I then filed a direct dispute and provided the cancelled check and the postage receipt showing the payment made and cleared in a timely manner and the credit bureaus also contacted XXXX and after getting their response, left the late reporting on my credit. 

I have been working very hard to repair my credit in order to refinance a very high loan on another property and am unable to do so because my credit score is  very directly impacted by this erroneous reporting. I have tried every means to get this corrected and can not get it fixed.
I had a financial hardship in the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and was n't able to make my car note on time. I called Nissan and told them that I would be late making my payments and wanted to know if I could get my due date adjusted. Nissan refused to do such but instead kept calling my home after XXXX up until XXXX at least XXXX times or more each day. Kept telling me you need to make your payment and I told the representative that I was having a hardship and had called to let them know and was refused payment arrangements. So Nissan put late 90 days on my credit report and now I am having a hard time getting credit to buy things that I need due to the 90 day late status on my credit report.
I did not sign up for Experian credit monitoring service. I went online to get my credit report. The box asking me if I would like to sign up for the monitoring service was automatically checked with the application. I unchecked it. I called Experian and I explained to them that I did not sign up for the monitoring service. They refuse to refund me for the fraudulent taking of money out of my account in  XXXX  and  XXXX .
This company has put my account on a levy without any notification. I keep calling them along with XXXX to give me any and all proof that this is my account and they will not disclose to me.
Transunion Address wrong information duplicate address that do n't exist nor are my address : these are not right address : These are condo units not apartments XXXX XXXX XXXX XXXX APT XXXX -- -No such address XXXX CA XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I 'm also reporting to the FTC for all these address duplicated and wrong information on my file
There is an inquiry on my report from XXXX XXXX that was not generated or authorized by me, for a company I do not know and there is no additional information about who its from and how to contact them. 

When i asked to investigate this as fraud I was told they don't do that and I would need to figure out how to locate the company and dispute it with the company. 

I asked how was I supposed to track down a company with a XXXX XXXX and no phone number that they readily accepted this inquiry from I might add with no additional identifiable information. 

I quoted from the consumer rights printed on the bottom of their report " incorrect, incomplete information is to be investigated by the company '' upon notification and still they indicated they will not do this. 

On top of this they are unable to verify my identity, though I am able to do this on every other site including the government free credit report site and due to this they won't update my mailing address which is currently missing my apartment and incorrect. 

It has been a vicious circle with this agency for a week and I am the one stuck with things on my report that I can not get removed, disputed and they keep telling me they will MAIL me further information, which I have requested them not to as they will again open me to identity theft by mailing documents with sensitive information to an incorrect address.
On XX/XX/17 I received a call early in the morning and the name the person asked for was not mine. Three hours later I received another call from the same number where one woman was very rude and even hung up on me when I asked what/who this was. I called the number back to advise them not to call this number again. I even repeated the phone number back to them and the representative said they will remove the number. An hour and about 35 minutes after I received another call from the same number, two more calls about three hours after that and then finally another call an hour and 45 minutes after that as well as voice mail messages. In just one day I received a total of 6 calls all from the same number and same company. In the past I have received multiple calls throughout the day from this number before. They even call from multiple different numbers.
My daughter received a phone call today from a XXXX XXXX, Oracle Financial XXXX ext. XXXX, stating he was looking for my other daughter, the alleged debtor. He disclosed how much the debt was, where it originated from and made threatening comments such as : " We are going to seize her tax refund '' " We are investigating her for criminal fraud '' " We know where she lives and are sending someone to serve her '' " We know where she works and are angry with them '' " We are taking you to court for fraud '' I called the company and spoke with XXXX, letting him know he was violating debt collection laws. He stated he did not have time for games and refused to acknowledge his illegal actions. He demanded to know where my daughter was. He refused to provide his last name and hung up on me. I called back and spoke with him again and he hung up on me. I called back a third time and spoke with someone in compliance and was told his name was XXXX XXXX.
I went to XXXX Kia in XXXX XXXX, VA to find a new vehicle. My vehicle, XXXX Kia Forte financed by NFCU with a balance of {$6800.00} was in an accident and the insurance company delayed payoff. I am pregnant and need transportation. The dealership sold me a XXXX Kia Sorento and told me they would pay off my trade-in and that my total cost out the door would be {$22000.00}. I did not understand what was happening. Navy Federal provided me a blank check that I wrote out for {$22000.00}. I thought the dealership was going to pay off my trade-in as they had stated. The Dealership did not pay it off. The dealership documents did not show the negative equity on the paper work. The dealership wrote up XXXX deals. On XXXX they said they were giving me {$1500.00} as a down payment to help me. On the other they did not have the down payment. On XXXX they indicated that there was no negative equity and the balance due at delivery was {$22000.00}. I recorded the conversation at the dealership where they said what the actually did. I was pre approved for the new car loan by NFCU for up to XXXX. The paperwork from NFCU indicated that my max loan amount could not exceed XXXX and that it would be in addition to the existing loan balance of {$6800.00}. The print from NFCU is really little and it did not make since if the dealership was going to pay off the trade-in in full. The dealership indicated that NFCU would not take checks on NFCU to NFCU loan purchase and trade-ins.
Experian shared my private information on XXXX different times with XXXX different agencies. XXXX was XXXX XXXX in XX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXX .Number XXXX was XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX.The XXXX XXXX was XXXX XXXX credit department.They shared my private information without my consent..im very upset about this. they have no right to share my private info without my consent thats my complaint.
Collector has contacted me at work when I have told them to call at home. Ask my employers receptionist where to send garnishment paperwork. Also faxed employer a form for my personal information.
I disputed XXXX accounts with transunion credit reporting agency informing them that these accounts were reporting inaccurately and to please remove off my credit report. When I received the results the accounts came back verified. I then called the original creditors and they were not able to provide me with information regarding the accounts I disputed. I then called transunion and request the method of verification to be provided to me. They told me they do not have any documentation to provide to me and that I need to contact the original creditor. I then informed them that I did in fact contact the oringinal creditor. She then stated that that is where they got their information from and I was like please provide me with this information and she stated she can not give me this information. I informed her per the fcra that o have the right to request method of verification and she said yes you are correct and to contact the oringinal creditor. I then informed her once again that I did talk to the them and I can provide you with the name of the person I spoke with, the time, the telephone number as well as the department and they all told me that they do not have any information regarding those accounts. I then asked to be put on the phone with a supervisor and she told me to hold and then she hung up the phone on me. The accounts that I am requesting to be removed are : XXXX/express acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX
OPORTUN/XXXX XXXX Account number XXXX .... 
Recent balance {$7100.00} as of XXXX HAS REPOSESSED THE CAR, AUCTIONED IT OFF FOR MORE THAN OUTSTANDING BALANCE AND NOW STILL TRYING TO COLLECT ON THIS ALREADY PAID OFF AND COLLECTED BALANCE IN FULL. WHEN TRYING TO RESOLVE WITH OPORTUN THEY ASK FOR MY SOCIAL # PULL UP THE ACCOUNT THEN ASK ME TO VERIFY ACCOUNT NUMBER WHICH I CAN'T BECAUSE IT IS A VERY OLD ACCOUNT AND SHOULD NOT HAVE ANY BALANCE TO BEING WITH ... OPORTUN IS NOW CALLING MY HOME, WORK AND RELATIVES THREATENING TO ARREST AND TAKE LEGAL ACTION IF BALANCE IS NOT PAID EVEN THOUGH THIS IS A 5 + YEAR OLD ACCOUNT ISN'T THIS ILLEGAL TO DO??
I contacted IQ DATA INTERNATIONAL IN in regards to bill on my credit report for the XXXX XXXX XXXX XXXX XXXX. While I did stay at the XXXX XXXX XXXX XXXX, in missouri a landlord has 30 days to send an itmized list of damages and the amount. MO Rev Stat 535.300. the  XXXX XXXX XXXX XXXX neither contacted me about the amount nor gave me a list of any damages and i am disputing this debt.
We live in Florida. We were under a trial payment plan for modification of our chase loan. We paid on time than our house burnt. we missed XXXX payment of course for additional housing until The Insurance company paid which they since have. We want to rebuild and move back in but the chase mortgage says no to our loan modification. we really want to keep this house through our mortgage .The chase has our insurance payment of {$80000.00} in a restricted escrow. They told us there was not enough income. we have {$7000.00} saved from our insurance settlement to modify this loan. It does not make sense to leave a burnt house standing when we could rebuild and live in there again. They gave us XXXX options to short sale or turn over keys. We really want to save this house for we will end up with nothing because of a fire.I am going to write an appeals letter and retry again. I am very distraught as to where we are going with all our pets. we have a temporary housing but it is impossible to buy anything else. how can you advise as to how to save our home.? we have little time.
XXXX and XXXX equfax keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}
I had a credit card with Capital one years ago ; most of 15 years ago ; instead of them writing it off they sent to collections ; this should be illegal
On XXXX XXXX, XXXX, I send a letter to TransUnion in the request for verification of the debt shown as XXXX XXXX {$670.00} # XXXX. To date, I have not received any validation this debt other than, the debt was verified debt pursuant to Section 609 ( a ) ( 1 ) ( A ).
To Whom It May Concern, This is my third attempt to resolve case number XXXX regarding my father the late XXXX XXXX XXXX XXXX 's sole savings account with Webster Bank. I have received letters from Webster Bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( This correspondence included AN XXXX XXXX XXXX PHONE NUMBER FOR WEBSTER BANK ) i.e XXXX. 

The FRAUD TIMELINE : On XX/XX/XXXX XXXX XXXX, her church friends XXXX XXXX XXXX, Pastor XXXX XXXX ( Witnesess ) and her attorney completed a " Power Of Attorney '' by forging my father 's signature on the document for Power Of Attorney. This document was NEVER notarized or authorized by any court in the State Of Connecticut. The document that your bank accepted was not legally valid or legally enforceable! 

On XX/XX/XXXX XXXX XXXX 's attorney filed in Probate Court Case Number XXXX, a Decedent Estate State as Legal Representative under 4a-16, which was filed in the XXXX. Connecticut area NOT XXXX, Connecticut where my father actually resided. 

In Conclusion, XXXX XXXX committed fraud by filing and completing my father 's Probate in court, WHILE HE WAS STILL LIVING!!! He died on XX/XX/XXXX. Your bank did not do their due diligence to verify the validity of the submitted Power Of Attorney, especially since it was NOT notarized. Your incompetence and collusion makes your bank responsible for ALL of the fraudulent transactions after the date of the Power Of Attorney that you bank accepted.
Hello I received a letter from Experian stating that a few collections that I disputed where deleted from my credit report and they where up until two weeks ago when an account that was previously deleted was put back on. That collection is XXXX for {$2400.00} Account # XXXX. Today I received yet another alert that a collection was added from XXXX that was previously deleted, Account # XXXX. I called in to speak with customer service and was treated horribly. I 've never had a problem with their customer service until today. She was very nasty and rude to me and argumentative towards me basically calling me a liar when I have documentation from Experian as well credit reports that shows these collections where removed. I also sent a pay to deleted letter to XXXX and they accepted my offer and cashed the check agreeing to delete the account. I sent a copy the letter and check to Experian and they will not delete this account either even though I have sent in documents stating that the account is paid in full.
I had fraud on my account and I contacted the company to make them aware of it. They closed down my card but the fraud is on my current account and making my monthly minimum payment higher, my card is over the limit due to the fraud. The fraud was transferred to the new account.
Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young XXXX XXXX and dont have money to be giving that i never spent.
I informed my bank that I was having XXXX and had to pay over {$3500.00} and would not be able to make my payments until I was recovered. I called on XX/XX/2017, and after being told incorrect information several times while trying to pay {$800.00} of {$1400.00} owed, I was finally told I had to pay by XXXX which has a large fee. I asked if I could just pay the full amount on XX/XX/XXXX, they said that was fine & also said they would change my payment date from the XXXX to the XXXX. Then, they repossessed the vehicle on XX/XX/XXXX. I paid the full {$1400.00} plus {$400.00} in fees on XX/XX/XXXX - I called same day to confirm they received the XXXX. payment and to ask about the amount of fees and if my payment date was changed. On XX/XX/XXXX, I got my car back and called again because my online access to see my payment history was still cut off & I still did n't know breakdown of the repossession charges. They said payment would post soon, my payment would change to XXXX, I would get a letter with the breakdown of charges, and my online access would be restored. On XX/XX/XXXX, I got a call saying my payment was late, I said it should have been changed, they said they had no record, but the guy put in the request for the payment change on the phone, said it was granted. I asked how I would know for sure, so he gave me a confirmation number for the payment date change and said I could make the payment on the XXXX no problem. On the XXXX, they said my payment was late and I was being charged a late fee. I asked why my payment date was n't changed, they said it was only effective after I made the payment. I finally got the letter regarding the repossession fees charged in XXXX and gave a written response to the letter demanding a breakdown and receipt of the charges ( even though I had already requested one by phone ). I never received the breakdown of charges. On XX/XX/XXXX, Ally began calling me again saying my payment is late and when told about the CONFIRMATION number for the payment change, said they see nothing on file or saying that it was n't approved. My mom 's and my credit scores have dropped, I have had to pay fees that Ally Auto will not tell me what they are for or provide a breakdown despite sending me a letter quoting law which says I 'm entitled to that information. I have now paid nearly {$1000.00} in fees which Ally refuses to give an accounting for and if I do n't pay, they will repossess my vehicle again.
I have applied multiple times for mortgage assistance with Bank of America specifically after my home was broken into around XXXX time which the person or persons caused a considerable amount of damage, at the same time my young son was diagnosed with illness, and to add, I was a victim of identity theft where my bank account was emptied. Bank of America continues to deny me for assistance, in a letter dated XXXX XXXX, 2016 Bank of America which provided me with a new Relationship Manager XXXX XXXX who I have never spoken to despite numerous calls. The letter request that I continue to provide all the documents previous requested by XXXX XXXX, 2016. In a letter dated XXXX XXXX, 2016 I received a Notification of Assignment, Sale or Transfer of your mortgage '' The notice went on to say that Bank of America has sold my loan to XXXX XXXX but as legal title trustee for XXXX XXXX effective date of transfer was XXXX/XXXX/2016, while I was in the middle of my loan modification application. The Notice stated that my loan servicing was transferred to XXXX XXXX XXXX in XXXX TX which is known as foreclosure mill and is not structured to provide loan modifications or assistance. Upon contacting XXXX XXXX in response to their letter dated XXXX/XXXX/2016 " Welcome '' I requested to know what documents were sent from Bank of America and XXXX response was None! I am force to sell my home with the writing on the wall, premature transfer of my loan prior to a response to my request for mortgage assistance, a Point of Contact that makes no contact.
On a recent XXXX from XXXX to XXXX the flight staff made multiple announcements about a special offer. This occurred Fri., XXXX. XXXX, 2015 on XXXX XXXX departing XXXX arriving XXXX. The offer was described as a short term and one time only offer around the merger of XXXX XXXX and XXXX XXXX. They stated quite clearly, and it was a topic of conversation for all the passengers near me, that if you apply in flight for the AAdvantage credit card that you will receive ( 2 ) Free Round Trip tickets anywhere in the continental US. Applications were distributed, I filled one out and returned it to the flight attendant. 

Within about two weeks I received the credit card, made purchases and have paid my bill in full each time. However, I never received either frequent flyer miles or vouchers. I contacted XXXX XXXX multiple times by phone and via their website. I was not able to receive an acknowledgement of the underlying issue, nor a resolution. Two reference incidents were created : XXXX XXXXCustomer RelationsXXXX XXXX Ref # XXXX XXXXCustomer RelationsXXXX XXXXYour Reference number to this request : XXXXIn neither case, nor in phone calls made to the airline was a resolution provided. Finally, I publicly posted the issue on line and then received a response acknowledging the issue and direction to call the XXXX Credit Card company for resolution. Upon doing so they were notably more available and responsive, did the research but were unable to address or resolve the issue, nor provide any remedies. 
It is clear now that this a false enticement was made to enter in a credit agreement, I think it is very important that the appropriate authorities are made away and that other consumers can avoid falling for the same credit fraud.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I have an account wi th   XXXX   XXXX   on my a ccount for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.
I am not sure if my Loan through Navient is a federal or private loan but while reviewing the National Student Loan Data System I can see only two of the 5 loans I received which is an FFEL Stafford subsidized and non subsidized. The problem I am having is with Navient and XXXX XXXX XXXX is who they use to service the loan. I applied for forbearance the first week of XX/XX/XXXX and submitted all information required in a timely manner. I did not hear back from XXXX for a month and a half. During that time I made two {$20.00} dollar payments instead of the usual {$98.00}. I spoke with XXXX XXXX and advised I would make payments as I could but they still asked for {$140.00} for the next three months until the account is current again then and only then can I re-apply for forbearance. Keep in mind that I have made my monthly payments for the past six years without an issue. My financial situation has changed and Navient is not willing to work with me on this issue. I was advised to contact you by attorney XXXX XXXX of XXXX XXXX on behalf of the Project For predatory Student Lending.