WillisBack/dataset-financial-user-claim huggingface dataset:
I wish to raise an official complaint in respect of the treatment of my mortgage account of Ditech Financial LLC a XXXX XXXX on the basis that our payments are not being recorded correctly. 
I have enclosed our payment history since XXXX/XXXX/XXXX to reflect that my account is not delinquent. What we were told by Ditech is that the XXXX/XXXX/XXXX payment was applied to the principal instead of our XXXX monthly payment. This made us delinquent for our XXXX payment. The explanation that was given to us was that they switched to a new system and mistake was committed by their system. 
My wife and I have called Ditech several times for the last 14 days ( XXXX XXXX to XXXX XXXX, XXXX ) to ask them to correct this error. I spoke to XXXX on XXXX XXXX and was told that this error will be fixed soon. We received XXXX letter that our account has been assigned to an account representative with a statement that states " this communication is from a debt collector. '' On XXXX XXXX my wife spoke to an account representative XXXX XXXX who promised my wife that this error will be corrected on XXXX XXXX, XXXX but as I have narrated XXXX XXXX this error has still not been corrected. 
We are reporting this complaint to protect our credit history since we pay our financial obligations on time and have excellent credit histories and credit scores. Also as my wife was reading reviews about Ditech several have complained to several federal agencies and have suffered delinquent accounts for reporting their complaints. 
Please assist us in this matter.
I am not able to access my bank account. I received a letter from XXXX that says I owe {$1800.00}. I was a victim of check and bank fraud. I was away at school and a guy I knew said his brother was sending him money but he did n't have a bank account so he asked if the money could be wired to my account. I agreed because I did n't know the guy was scamming me. I never saw a check or signed a check. I just withdrew the money out once I saw that it had posted to my account. I thought that because it posted and showed available that it was ok to take out. Once I took the money out I turned it over to the guy and he gave me {$500.00}. I still did n't think anything of it. I thought I was helping someone out in need. I found out later that this happens to college students all the time and that I should have been smarter. I think this guy came after me on purpose because I lost my wallet with all my ID and other personal information in it. I believe he found my wallet. Please let me know how to clear this up?
I have received a letter claiming that I owe a debt to : CARTER-YOUNG, INC/XXXX Since this is in error and I have not knowledge of this debt, I requested the following proof as they are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. 

A. The original application or contract. 
B. Any and all statements allegedly related to this debt. 
C. Any and all signed receipts. 
D. Any and all cancelled checks. 

This company have fail to provided me with these proof.
This number calls all times of the day. I answer and they tell me I owe them money unable to tell me what for. I ask them not to call back and they continue to do so. I have never heard of this company until they showed up on my credit report and started calling me.
I have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.
I was hospitalized XX/XX/XXXX. There was a bill for XXXX XXXX XXXX in the amount of {$36.00}. That was paid on XX/XX/XXXX and posted to my account on XX/XX/XXXX. I first learned of this deby when applying for a home loan. I have contacted XXXX XXXX numerous times to let them know that this was not accurate and to please verifiy the balance with the client. Fox Collection refused and failed to follow up and thus knowingly continued to report negative items to the credit bureaus. They said that I had to submit proof of payment I finally had to reach out to XXXX XXXX XXXX and have them reach out to settle the matter. Unfortunately this does not erase the 8 months of a negative collection on my credit reports that was an error to begin with. Fox Collection Company displayed blatant disregard in handling my account. I have spoken to numerous account reps and even left voicemails to the Collections Manager that went unreturned. Unfortunately Fox Collections was wrong when they stated that is was my responsibility to prove the debt was not accurate. In fact I have recently learned that its their responsibility to verify the validity of the debt. At no point have I ever recieved a letter regarding this debt. I would assume that they have the wrong address however despite numerous conversations no one asked me to verify my mailing address. Due to Fox Collections reporting this negative and false collection to credit bureaus this has caused me many issues as a collection looks really bad and lowers my scores and this has even affected my homeowners insurance and car insurance rates as they do look at credit factors.
I borrowed auto loan through XXXX XXXX XXXX since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call XXXX to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to XXXX credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, XXXX insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to XXXX regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.
XXXX XXXX. has sold account to XXXX XXXX XXXXXXXX. This account was paid, and as a result it was removed from my credit reports. However, upon reviewing my reports today I see that it has been reinserted. It is against F.C.R.A. law to reinsert an item without notifying the consumer in writing ... I was not notified, and secondly, it is illegal to attempt to collect a debt twice ... I am appalled and quite discontent with this matter. 

I was informed by XXXX XXXX. that they did not verify this item, and that according to their records it was indeed paid in full quite some time ago. Furthermore, they informed me that it is inclined to be the erroneous e-Oscar verification that the bureaus so often make use of. No contract exist and this inaccurate and false reporting again. Please remove and do not reinsert or litigation will surely follow ...
I have an inquiry on my credit report from all three agencies for a company called XXXX customer service. I have no knowledge of this creditor nor did I authorize any credit inquiry from this lender.
My wife was in a car accident. She was injured and our car was totaled by a driver who was parked and crossed two lanes ( my wife was in the furthest lane from the other car ) to make an illegal u turn in the middle of the block on a four lane road. He drove into the side of our car. As it turns out,  the other driver was unlicensed and is being criminally prosecuted. The sheriffs office found the unlicensed driver to be 100 % at fault for the accident. 

The unlicensed driver had a second rate insurance company with low limits and despite the damage caused, would only be responsible for {$5000.00}. This second rate insurance company, XXXX XXXX XXXX ) also took the untenable and wrong headed position that my wife was 30 % at fault because she should have been able to predict that the unlicensed driver intended to make an illegal u turn ( despite the fact she had passed him already as he proceeded to come out of the parking spot, which is why he hit her in the sideshe did not hit his car ). However, because of the low limits on the policy their wrongful position was irrelevant as the maximum we could get was the {$5000.00}. However, in order to protect ourselves, we entered into a written agreement with XXXX XXXX that as a condition of accepting the {$5000.00}, they would not pursue us for any contribution to their insured or their loss. 

In blatant violation of this written agreement, and the facts giving rise to the accident, I ( who was not even the driver ) received a letter from Wilber and Associates stating that I needed to reimburse XXXX XXXX for the total of the amount they paid to their insured. When I called to explain their error, they unlawfully told me me they were going to have my drivers license suspended.
I am filing this complaint against  XXXX . I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.
*I read the below today on XXXX. Below is the copy and pasted article. This exact thing happened to me with the Credit Protector Benefits. They were grossly overstated, not honored, and changed around without my knowledge on several occasions with both my primary Citi Bank Credit Cards. This caused me to lose credit rating points and ultimately prematurely unable to pay back my obligations because of this. I complained in detail through other third party agencies in the past. How can I see assistance formally through your agency? I saved all the detailed XXXX and Citi bank records in case this very thing happened to others. I was supposed to have debt forgiveness and extension options as part of the credit protector, which Citi refused to honor. How can I file a claim as stated in the below article? 

Article taken today from XXXX ; describing my same concerns court outcome : '' Citibank ordered to pay customers {$700.00} XXXX : '' The federal government on Tuesday ordered Citibank to pay {$700.00} XXXX to customers it said had been overcharged by the bank. 
The Consumer Financial Protection Bureau also ordered the bank to pay {$35.00} XXXX in penalties associated to the overcharging and for the bank 's use of " deceptive marketing '' techniques. 
The bureau said that XXXX XXXX customers will be compensated in the pay out, which includes XXXX XXXX people overcharged directly by Citibank and another XXXX XXXX customers of the bank 's subsidiaries. 
Between at least XXXX and XXXX, Citibank -- which is owned by Citigroup ( C ) -- enrolled those customers in credit monitoring services or programs promising to defer payments or forgive debt in the event of job loss or another financial hardship. 
But the CFPB said when the bank signed people on to those programs, it misrepresented fees and overstated the benefits. It also used " leading questions '' and " construed ambiguous answers '' in telemarketing calls, according to the bureau. 
Citibank has already paid some customers back. " Affected customers will automatically receive a statement credit or check and those no longer with Citi who are eligible will be mailed a check, '' Citibank said in a statement Tuesday. 
The bank said in a statement that it " fully cooperated '' with the CFPB investigation and the first repayments went out in XXXX. The company added that it has set aside money for remaining paybacks. ''
I keep getting calls that start at XXXX n do n't stop till XXXX for someone else 's debt for QVC. I 've told them countless times they have the wrong number but they Still call me 10 to 15 times a day 7 days a week even on Sundays!! I 've put their numbers on a block list in my phone but they STILL call with a different number. I have XXXX different numbers for them on my blocked list already. They fill my voicemail box up everyday n I miss Extremely Important voicemails because of them. I 'm sick of it! Please please help me thank u My name is XXXX XXXX my email is XXXXXXXXXXXX
My issue is with Wells Fargo. They are refusing to consider any options to allow me to get back on track with my mortgage payments. I fell behind after over 10 years of on time payments due to major health issues that my wife has experienced the last few years. She was diagnosed with XXXX and then had XXXX XXXX issues which affected her XXXX and XXXX. This was exacerbated by issues from XXXX XXXX and blocked XXXX going to her XXXX. She was no longer able to work and the medical treatments were very expensive. I struggled for a long time but eventually became delinquent on my loan. I am on fixed income and could not take all of these unexpected expenses at once. I am XXXX military and on fixed income receiving SSI, military benefits and also a pension. Once I was able to get more stable on our expenses I reached out to Wells Fargo to see what could be done to resolve the missed payments. They first time I contacted them their agents stated that they would not negotiate with us, they would not consider any options, and that we had to wait two years in order to be considered for any assistance. They said the only way to fix this was to reinstate the loan XXXX about 4 months delinquent at that timesomething I could not do ). This was very frustratingWells Fargo received over {$30.00} XXXX in taxpayer bailout funds and they are required and obligated to conduct a review of our financial information to determine our eligibility for government, internal or GSE programs. Their stark refusal to even open a review is not only unethical and immoral but wrong. We are not asking for a handout, we just need a helping hand to get through this crisis. 

My most recent conversation with their agents was even more alarmingthey told me that since my loan was close to maturity that they could not negotiate or consider any type of workout option. Once again, this is not only unethical and immoral but it is wrong. My loan is amortized over 15 years and that makes my payment much higher. If Wells Fargo would change the amortization and increase the term this could be resolved. They could also recapitalize the late payments back into the balance. Or they could lower the current interest rate through modification. There are several options that Wells Fargo could consider and it is despicable that they turn their back on my family in our time of need. We paid as agreed on our first and second mortgage for well over 10 years, yet when we run into major health issues they turn their back and look to foreclose on us.
I sent and requested information from this alleged Trust. <P/><P/>Option One Mortgage Loan Trust XXXX - XXXX Asset Backed Certificates Series XXXX <P/>I get no financial documents to support a default or history of cash flows and relevant documents as per request under the QWR and Debt validation.
XXXX ran my credit WITHOUT MY CONSENT OR AUTHORIZATION! XXXX  or equifax did not properly conduct the investigation and has still Not removed this from my credit report hence me filing another complaint in less than 3 months!
I work for a title company. We ordered a payoff from Round Point Mortgage. We got the payoff, which was good through XXXX/XXXX/16. On XXXX XXXX, 2016 we wired the funds to Round Point per their wire instructions to payoff the loan in full. We have full confirmation that the wire was sent and I have verified the wire information given to me by Round Point. Round Point has not credited the account with the payoff, they are continuing to collect payments and charge interest on the loan. The Borrower and I have spent over 8 hours on the phone with them just to be put on hold and then cut off. They are not helping to resolve this issue. Even though we have given them copies of the wire confirmation, the payoff statement, our bank account statement they are still saying that they did not receive the payment. I have also spoken to a supervisor and he is at least a little more helpful, but not solving the problem. The borrow refinanced this loan, and has his first payment coming due on XXXX XXXX, and because Round Point will not resolve this issue in a timely fashion, he does not have the funds to make the first payment
On XXXX XXXX, 2018, I viewed my free credit report on Experian. It shows zero credit history and offers a 1 $ FICO score on a 7 day membership, then charges XXXX dollars a month if not cancelled within 7 days. I DID NOT SIGN UP OR GIVE MY DEBIT CARD INFO, but somehow still received an email with a membership ID and {$1.00} was charged to my bank account. 
Experian claims the only way too cancel a membership is by phone, but every number is automated, with zero option to speak to a human, and states that I am not a member.

This company is going to ruin my credit before I can even obtain credit to begin with, how is one of the three main credit bureaus allowed to be a complete scam?
I would like to file a complaint about Equifax Credit Reporting company not being able, willing or capable to place a freeze on my credit report, as requested by me. After the published security breach at Equifax I attempted to place a freeze on my credit report, both through the Equifax Credit Freeze website and over the automated Equifax Credit Freeze telephone service and neither of them were able to put the freeze in place. No explanation was given and nothing is put in place to follow up. In a security breach like the one that just happened time is of the essence to safeguard consumers information and it is extremely frustrating that Equifax is unable to accomplish just that.
Below is the error message I received after spending valuable time completing the freeze request.
Thank you! 

System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.
Phone calls 4-5 times a day. 
From : XXXX to XXXX 2017 Amount for XXXX Discover Bank I have notified Discover Card on XXXX XXXX2017 to stop harassing me.
My issue is with Transunion I disputed Three items on my credit report. Yet they have not responded with the results. Transunion will state the information was validated yet not provide proof. Futhermore I have contacted the collectors reporting the info and did not get validation per FCRA. The most recent letter I mailed to Transunion was XX/XX/2018 yet I have not recieved a response. I also included a letter for one collector stating they no longer have the debt yet the still report to Transunion. I have yet since XX/XX/2018 to recieve a response from Transunion with my follow up letters and info on my credit report.
All attempts to settle the account and make payment are attached below. The company Chrysler Capital failed to respond to ALL document presentments as well as has taken the personal property and has kept the financial instrument.
I mailed   XXXX   proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!
On XX/XX/XXXX I got an e-mail from Coinbase stating my withdrawal limit for my XXXX account was denied. As I tried to log into my XXXX account it showed my account had been temporarily disabled and that I should contact Coinbase. I called Coinbase and told them my XXXX is temporarily disabled and I can not access the XXXX worth of cryptocurrency I own on that site. They gave me a reference number and told me it may take up to 4-5 business days to fix the problem. 

On XX/XX/XXXX, I logged onto my Coinbase account and was prompted by a page stating I owe XXXX USD in order to gain access to buy/sell/send my cryptocurrency I had on my Coinbase. I never purchased anything with a credit card on my account for that much to begin with. However, I paid the amount and called Coinbase to remove the hold from my account. They then said they would escalate my previous ticket and add I paid the amount owed. Then on XX/XX/XXXX I logged onto my Coinbase account and noticed XXXX Bitcoin ( valued XXXX USD ) was sent to Coinbase without my knowledge. I called Coinbase to discuss the transaction and they told me I owed an additional XXXX USD and they only take cryptocurrency as payments after the fact I already paid them XXXX dollars on XX/XX/XXXX. They told me they do not return cryptocurrency once its taken from the account. So Coinbase ended up taking a total of XXXX USD from me for no reason. I have only spent XXXX USD on Coinbase using my own bank account. There are no reversal charges made on my bank account. I currently can not access my XXXX worth of cryptocurrency on XXXX because of all these claims stating I owe Coinbase money which I never purchased on Coinbase. Everytime I call Coinbase they state they will grant me access back to my XXXX account and full access to my Coinbase account within 2 business days but nothing ever gets done and they keep charging more money than I have ever spent on Coinbase.
Continuously calling me, telling me that my full payments are due the day of the call, telling me that I need to pay them now, I have repeatedly told them that if they just send me the bill I can make payments, continue to tell me it 's due right now, I tell them that I do n't have the money today until I get my paycheck, then they continued to ask me when I get my paycheck, telling me that when I do get it I need to call in on the phone and pay because they do not send paper statements, which is false because I have a bill from them that I just got in the mail yesterday.
On XX/XX/2018 Experian received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for Experian to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX  # XXXX, 3.XXXX XXXX XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX XXXX 5. XXXX ( XXXX XXXX XXXX. Experian has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Experian received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Experian has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.
This is my place of business. The number being called is the main desk number that is answered by customer service representatives. Not once has my personal cell phone nor home phone be used to attempt to contact me regarding this matter. I have no idea who is calling -- they never leave a message once transferred to my direct line.