WillisBack/dataset-financial-user-claim huggingface dataset:
My Credit Card was involved in a balance transfer check fraud transaction, where the fraudster got ahold of the balance transfer check and made multiple transactions using my account. I notified the bank of it and they were able to take off the balance transfer charges and most of the associated fees. One of the balance transfer fees was not reversed and I called the Security Investigator and general customer service rep multiple times in regards the balance transfer fee still being on my credit card. So far, they have not removed it.
I recieved an alert today that a collection was on my credit report. I looked and midland financial placed a collection in the amount of {$2800.00} on my report with a open date of XXXX/XXXX/2015 and a balance date of XXXX/XXXX/2015. I have no idea what this is for nor have i ever had any business relationship with midland financial. It has a account number of XXXX. They are required by the FDCPA to send out a dunning letter for any debts they say I owe so I can dispute them if they arent mine. I have never received any correspondence from them. Midland and there parent company XXXX/XXXX where just fined by the cfrpb for collection practices just like this. I want proof that this debt is mine with a signed contract and how I owe this amount. I also want proof that they have the right to collect on this debt and that they have a current business relationship with the original creditor. I will file a complaint with the the AG as well if this is not removed from my report immediately because they have completely disregarded the laws of how they are suppose to collect a debt and have given me no proof or a chance to dispute it.
I noticed when checking my credit report that there was a bankruptcy on there and I called transunion to dispute it and they told me that I would have to call the consumer which is the XXXX XXXX Court when in calling them I gave them the necessary information and they informed me that they had no record of me having a bankruptcy in there court system. So I then called back to transunion to dispute it once again and they sent me a letter stating that it is indeed me that has a bankruptcy. I have never lived in the state of California. Now I called the courts back and they had me get in contact with the US trustees, they did some digging and found out that it is a male with my madden last name and our last XXXX digits are the same but the rest of our SS numbers are different. And for the life of me I do n't understand how this could happen and if I found out this information why could n't do the same. And if it is on Transunions why does n't it appear on the others if it were true. I would like this to be taken care of. They were rude when I called them and I really did not appreciate the way they talked to me
i called XXXX mastercard ( XXXX XXXX ) today saturday, XX/XX/2018. my account due date is usually on the first of every month. i paid my account on XX/XX/2018 and i paid {$4500.00} 8 days prior to my due date. and XXXX mastercard is charging me a penalty for early payment. i think that is totally wrong, but they tried not to keep me as a customer and would rather lose me as one then to fix the problem. i have many accounts with XXXX XXXX and all the other ones i have never had an issue. so i began to close my account for the XXXX master card. and they care not to keep me as customer. and just gave me a lame excuse for their penalty for early payment. thank you XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, florida XXXX
I submitted a change to my AUTO DRAFT AUTHORIZATION to Carrington Mortgage that took them 96 days to process and put in place ( submitted XXXX/XXXX/2015 ). Because of Carrington 's failure and negligence to process the auto draft authorization request in a timely manner ( 45 days as stated in their form ) the XXXX 2015 payment was drafted late and is effecting my credit. I have sent several requests in writing to Carrington Mortgage and have been getting the run around from them. First Carrington responded with a letter saying that the request required a TRUE Signature. I submitted the request again with a TRUE signature and received a response that the signature did not match what they have on file? I again submitted my request and never heard back from anyone. I do n't know who 's signature they claim to have on file that does n't match mine? This practice is not acceptable!
I had a credit card bill due on XX/XX/XXXX in the amount of {$75.00}. I paid the complete amount due on XX/XX/XXXX. My account is now XXXX. When I received my new bill, it said that I now owed {$1.00}. When I called to complain, I was told that it was due to Residual Interest. I told them that it is impossible. I paid the total amount due and before the due date. The operator agreed to take the {$1.00} off my account. I informed the operator that because I knew that I paid the account in full, I wasn't even going to open the new bill because in my eyes I did not have a bill. I thanked the representative for taken the {$1.00} off but imagine all the people that just pay the {$1.00} without dispute it. If she states that its considered Residual Interest then why did she agree to take it off? 
It's not the amount that I'm complaining about, it's the practice of the way they charged me. Is it legal?
XXXX   XXXX ,  XXXX  I was sent an affidavit by Ocwen stating that it needed to be sign in order to complete its evaluation of my short sale request and it was needed back by  XXXX   XXXX ,  XXXX .   My real estate agent  XXXX   XXXX  with  XXXX   XXXX  and I have been told as of last year that Ocwen has had all documents provided to complete the short sale and nothing else was required. Now we are being told that they need this document again. This is NOT professional on there part. As you can see I have attached the affidavit that was signed  XXXX   XXXX ,  XXXX .   This is my  XXXX  complaint with the Consumer Financial Protection Bureau regarding Ocwen and was informed in my first letter to the cfpb on  XXXX   XXXX ,  XXXX  I shall hear something back with in 60 days.   Am so fed up with Ocwen they have told my  Agent  and I that all the paper work has been received and that they been waiting on the Lender. This is a bunch of   XXXX   if this was true they would have not asked for me to sign an affidavit that was sign by all parties and summited  XXXX   XXXX ,  XXXX . Not only that but Ocwen has admitted to my agent  XXXX   XXXX  as of this year the paper work was never summited to the  Lender  instead it was with there underwriters still.   I am tired and can not move on with my life with this home being vandalized on a daily basis and being reported to the police. All this Ocwen knows but they keep saying its the  Lender in  which they are full of  XXXX .   What makes things worse my agent and I can not talk to someone that speaks English instead we get these workers from  XXXX  which is hard to understand what they are saying at times.   Please help am stressed out over this matter and all this mess is really uncalled for i f Ocwen did its work ri ght.
Beginning in XXXX of XXXX, I attempted to apply for the XXXX program by submitting materials to servicer, XXXX. XXXX submitted application materials to loan guarantor PHEAA, who rejected application for lack of materials ( teaching credentials, letter from principal ), though these materials had previously been submitted. Same materials resubmitted multiple times by XXXX to guarantor and each time it was rejected ; the reason given : guarantor required those same ( previously submitted ) materials. On XXXX/XXXX/XXXX guarantor told me they had received no materials from XXXX and that I was not to contact guarantor. They also said I could fax materials directly, but nothing would be done if not sent by servicer, thereby rendering action pointless. They referred me back to XXXX. XXXX then placed XXXX call to PHEAA who admitted receiving materials in XXXX while also admitting to rejecting the application for lack of same materials. Call transferred to new rep who then refused to speak further when informed call was being recorded by XXXX. No resolution offered. XXXX rep offered no other recourse. In same day, Guarantor refused to speak with me, said they would only deal with XXXX, referred me back to XXXX, and then refused to speak with XXXX because of their policy of recording phone calls, leaving me with no further recourse.
I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XX/XX/XXXX, should be also deleted since it is seven years old. XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/>These XXXX accounts below on my Transunion are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and Transunion I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/>XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>XXXX XXXX XXXX account - Opened XX/XX/XXXX, is paid in full.
on XX/XX/XXXX and three times prior, I applied for a loan modification and submitted all the requested documents by the lender. three times we were denied the loan modification approval .We are currently in the process for the fourth one and have foreclosure sale dateXX/XX/XXXX. according to the lender it has been suspended but we did get certified mailed with XX/XX/XXXX sale date while we are in loan modification process. I do not agree on the outstanding amount due. we have submitted my payments history to the lender .My wife and I have XXXX young children, oldest is XXXX, youngest is XXXX years old .we bought our new home back in XXXX and paid our mortgage on time since then with the same lender.my wife had a serious unexpected medical injury set us back financially, I am not able to work as much due to the time it takes to care for XXXX children and care for XXXX spouse despite all that, I work full time and put food on the table. I have submitted proof of my income and residency four times to the lender. our home is worth twice the amount we owe .The lender wants to cash in on the equity we build. This kind of activity has to stop. it is not fair to the consumer to work so hard and pay for the mortgage for 12 years, face losing the house without offering owners a second chance during difficult time specially when there is a proof of income and equity in the house.
I opened Master Card credit card account with Citibank on XXXX XXXX. On XXXX XXXX I received e-mail from Citibank with " welcome offer '' for new cardmember to open XXXX more card account with attractive terms - XXXX miles bonus after spending {$3000.00} within first 3 months of account opening. 
So, I applied for the new card on-line, get it, fulfilled required terms ( spent {$3000.00} within 3 months ), but did n't receive XXXX miles to my XXXX advantage account. To resolve this issue I called to the Citicard Customer Service several times. 
Finally they told me that I 'm not eligible for this reward because you 've already get one within the previous 18 months. 
I 'm disagree with this decision because of following reasons : 1. Citibank initiated this deal and promised this reward on the proposal without any mention about " 18 months rule '' 2. No one document that I got ( welcome offer, online application form, Credit Card Agreement and benefits brochure ) contains the " 18 months '' rule. It looks like Citibank deliberately kept back this important information to encourage me to use their product.
I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX    60-89 Da ys Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
we had a balloon loan that matured, citimortgage threatened forclosure and would not work with us or refinance at all, they wanted our house and said they 'd get it. so only option left was a bancruptcy that included the entirety of matured balloon loan balance in XX/XX/XXXX, case was discharged in XX/XX/XXXX, never missed a payment and everything agreed to in court and allowed was paid to the full. XX/XX/XXXX I get a bill from Citimortgage for XXXX dollars instead of the deed to my house. where did they make up this fraudulent loan? I have no idea, but apparently this is their M.O. and they do it all the time. After months of paperwork and haggling, i hired a lawyer which sent all the necessary paperwork to handle this matter and lo and behold Citimortgage pulls another fast one and sells the fraudulent loan to outside company known as XXXX, who now is threatening to forclose on the loan they acquired from Citi. It is ILLEGAL!!! to attempt to collect a debt that has been either paid which mine was or discharged in a bancruptcy. Double jeopardy or what, Citimortgage told me they would get me no matter what and now my lawyer ca n't even get the third party company to communicate with her, even though they have a 3rd party authorization. These people are tant amount to organized crime and just keep asking for more or threaten to foreclose. These laws are supposed to protect us from XXXX companies like Citimortgage, taking advantage of those who do what 's right, follow the law, and pay every payment on agreed payment schedule. Someone must make Citimortgage play by the rules or pay themselves, can anyone make them live up to their end of the mortgage agreement since I have fulfillled mine. I want the deed to my house!
I keep getting a bill from convergent outsourcing inc saying i have a bill for XXXX but will go away for XXXX but i do not have this bill and would like them to take my name off of it and stop sending it. they also hung up on my husband 6 times and we tried to get them to remove it but they did not help just kept hanging up on us ...
This collector is n't calling me too much, and they have not used any inappropriate language, or anything like that. In fact, they were careful with their choice of words, but were clearly attempting to make it sound like I would be taken to court over a {$90.00} medical bill. The exact voice message left today  XX/XX/XXXX  by "   XXXX   XXXX   '' was this : " This message is for ___ if this is not ____ please hang up. This is   XXXX   XXXX    calling again with the office of CRS I was just calling as a courtesy to you and I am not sure if you 're aware what 's taking place here or not. I 'm now being asked to have a case in your name reviewed for final disposition. I just wanted to make you aware of this, as a courtesy to you before that took place. At this point you do need to contact me immediately now it 's   XXXX   use your case number as a reference when you call which is  XXXX . And again I need to speak with you immediately or you can have representation call me immediately on this as well '' I 've uploaded the voice message. When I later spoke to   XXXX   XXXX   he knew very well that he chose his words in the voicemail carefully and pointed out that he said that I " can have '' representation. So in his head it was no threat of legal action. The use of " Disposition '' instead of " Deposition '' is obvious that they are doing what they can to make this seem like they are not wording this as a threat - but they are.
I received a settlement offer earlier this year from US Auto Credit, I was n't sure why they were offering me a settlement since the debt was XXXX in a chapter XXXX bankruptcy over two years ago. A few weeks ago I tried to obtained credit and was denied so I pulled a copy of my credit report and noticed that this account was reporting as a debt owed and no mention of it being a part of a bankruptcy. I sent a debt validation letter to US Auto credit and that responded stating that the debt was XXXX, however, they still tried to collect on the debt as you can see in the letter I received earlier this year. XXXX XXXX credit has clearly intentionally violated a federal law, as on their letter dated XXXX/XXXX/XXXX they state the debt was XXXX on XXXX/XXXX/XXXX but they still attempted to collect the debt.
As a result of a car wreck I got behind on my mortgage. I have lived in my home since XX/XX/XXXX and only owe under {$10000.00} total to pay off mortgage in full. Bank of Oklahoma refused to work with me on a repayment plan early on in the stages of my being in arrears. Since then they have fast tracked foreclosure proceedings. As of today I gave correspondence from the law firm hired by the mortgage company stating if I pay approximately {$5000.00} by XXXX XXXX the loan will be completely on track again. I will have the full amount to the law firm by XX/XX/XXXX pursuant to our agreement. On the interim Bank of Oklahoma has contacted my homeowners policy provider, XXXX XXXX, on numerous occasions stating they own my house now, that I do not reside their any longer and instructing them to cancel my policy. I have kept in contact with XXXX XXXX and told them they are not to listen to the mortgage company and today I received a check from XXXX XXXX for the refund of my policy as it was terminated at the instruction of Bank of Oklahoma. Additionally, Bank of Oklahoma has continued it 's malicious conduct by having XXXX separate appraisers contact me at work stating they need entry into my home to appraise it immediately. I am beginning to fear I will pay the {$5000.00} requested and they will claim it was not received or just take the money and not honor the written agreement I have with the law firm they hired and who is acting as their representative.
The issue was not resolved! I have looked at my XXXX XXXX report and the issue still remains! The XXXX mortgage account is showing " NEED ATTENTION '' as if the account is still open. All of the closed account under bankruptcy is showing for the ACCOUNT STATUS " DEROGATORY '' as if the account needs attention. Once bankruptcy is filed there should not be any other derogatory comment. The ACCOUNT STATUS should say CLOSED on all the accounts under bankruptcy not DEROGATORY! That is the LAW!!!! 
I am not going to go back and forth with TransUnion!
I owe for XXXX XXXX XXXX.For XXXX.thru XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Financed byXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I am behind in payment, but, have submitted a partial payment twice this month.One to reach them on XX/XX/XXXX. 
I am being called at least once a wk.for payment.This morning I stated I would send another payment in XX/XX/XXXX when I receive my Social Security Payment
I went through a bankruptcy and came out with a negative balance for my insurance and taxes against my home after 5 years with interest. I request a modification and it took close to two years and the loan was only modify by adding the balance back to loan and the rate stayed the same and I ask why the rate stayed the same I was told that the modification was to ketch me up not make it comfortable. My payments was XXXX and thru my trial modification XXXX a month. Now I am asked to pay over XXXX a month. I also found out that a lean was put on my property.
I received a voicemail on XX/XX/XXXX in which the person calling didn't identify herself or the company she worked for. She also didn't say who she was trying to reach. The phone number is from XXXX XXXX, XXXX also got a call from XXXX I called back and the woman was immediately rude and told me if I didn't pay right at that moment she was filing a court case against me for fraud. She claimed to be calling from XXXX  XXXX XXXX. Unfortunately for me, I fell for their scam and provided credit card information to pay off the so-called debt. The charge on my credit card was not one charge, but it was broken up into three smaller charges that added up to the total. XXXX XXXX XXXX  is supposedly located in XXXX, XXXX, but when my credit card was charged it was processed by XXXX XXXX, XXXX in XXXX XXXX XXXX   XXXX. I can find nothing to prove this is a real business. 
On XX/XX/XXXX I received a voicemail from XXXX in XXXX, XXXX. It was the same woman reading the same exact script. Again she didn't identify herself or the company and made the same threats that if I didn't call them back immediately " further action will be taken ... '' I have saved both of the voicemails I have received to date and can provide them if needed.
XXXX XXXX XXXX and Bayview Loan Servicing is attempting to foreclose on my home with a fraudulent assignment transfer. Section 201 of the pooling and servings agreement states that all assignments and transfers had to be conveyed before the cut off date of the trust filed with the United States Securities Exchange. I contacted Bayview loan, I stressed my concerns and disputes they stopped the foreclosure sale, and told me that they would be sending a workout package, and I have not received. We made a phone to the case manager, but my calls have not been returned. I filed an affidavit of Fraud by an Expert XXXX XXXX XXXX in XXXX Superior Court XX/XX/XXXX on this fraudulent assignment that being used to conduct this foreclosure. I also revoked the power of attorney that i signed XX/XX/XXXX. I removed XXXX XXXX XXXX XXXX from having the right to signs attorney in fact for me, and everything is recorded in XXXX Co Superior Court. 
Bayview as not responded to my debt validation letter, proof claim, or my QWR This was a loan that was apart of the GLOBAL WIDE SETTLEMENT
Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from ONE MAIN FINANCIAL. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to one main financial and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from ONE MAIN FINANCIAL and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
Affni Inc a debt collection company purchased a debt from different debt collection company that could n't verify the account, XXXX could n't verify it either and they are supposedly the original creditor, and thus had to remove the account from my credit report. Affni purchased the debt from them and has now reposted the dent and should be in violation of the fair and accurate credit reporting act. The original creditor admitted they ca n't verify it so why are other companies continuing to try to post it on my report and make collection attempts
Payment was made via phone processing Allegedly there was a delay in process The mortgage company reported my payment 30 days late
The information shown says one name and my name is different from that. Me and my dad have the same name but I 'm the XXXX and that 's not what is shown.