WillisBack/dataset-financial-user-claim huggingface dataset:
I open a Furniture account with Rooms To Go and paid off. 
I bought some furniture again but Rooms To Go switched the address my payment is to be sent without informing. Meanwhile I made a {$62.00} payment to the account that I had. Rooms To Called me to say they not receive my payment. I made another Payment the same day. Two days later Rooms to Go send me the over-payment of {$62.00}. They charged {$37.00} for late payment. Again I made a {$220.00} payment to the new address provided by Rooms to Go. At the same Time I made {$100.00} to XXXX with the XXXX Bank that Rooms To Go now use. They continue to call me that I did not pay them. Even though they got my payment. They have reported to the Credit Bureau that I am late in paying. But I am not.
Portfolio Recovery Associates, LLC made an arrangement with me via phone conversation, to pay a settlement amount on an account they acquired. The agreement was for {$25.00} paid for 13 months. I called the company months before the end of the payment deadline, to find out exactly when the payments would finish. I just wanted to verify their records with mine. The woman I spoke with confirmed the last payment would be XX/XX/XXXX. XX/XX/XXXX came around and the company mentioned took yet another payment out of my bank. When I called to complain, a man said the agreement was for 15 months, not 13. I disagreed with him and referenced the previous call to check on the details and he said the woman was wrong. He said, " I'm looking at the printed agreement right now. '' He forced me to pay two extra payments or I would have to pay the whole amount. Trying to complain was useless. I have no paperwork of the verbal agreement made. Never did. All the payments were electronically withdrawn monthly from my XXXX XXXX XXXX XXXX XXXX XXXX, Kansas, account now closed. I do not remember the account number. The transactions took place from XX/XX/XXXX, until XX/XX/XXXX.
In bankruptcy our home mortgage was assigned to SLS. I have made XXXX payments and am only due for XX/XX/2017. They have us with 90 days behind. They sent us the forbearance letter. I asked for help due to my brother 's XXXX. I have total care for him 24 hours per day. For a short time I ca n't work out of the home. They filed a motion 4 days later to take our home. The average wait time to speak with someone is 45 minutes on hold. Everytime we speak there is another excuse. We are not 90 days behind and will attach the proof.
I XXXX have been married for 27 years. maiden name was XXXX Before this my birth name race XXXX DOB Is XX/XX/XXXX Last four of SS # XXXX. 
The Issue with credit service keeps putting A XXXX on my credit reports this women Race is XXXX. For the past 8 years I been trying to get a red flag on my credit report that the credit service would stop and look. My name is XXXX has been maiden name was XXXX before this. I have lived at address XXXX for passed 11 1/2 years. 
I WANT XXXX BAD CREDIT REMOVED MY MY CREDIT. THIS LADY HAS BAD CREDIT AND HAS HAD FOR SOMETIME. I CANT EVEN OPEN NEW ACCOUNTS BECAUSE OF A ERROR THAT THE CREDIT SERVICE IS DOING. THIS IS NOT FAR. I KEEP GETTING CALLS FOR THIS LADY AND MAIL. I DO N'T EVEN KNOW WHO THIS LADY IS. I SHOULD N'T HAVE HER INFORMATION ON MY CREDIT. PLEASE REMOVE XXXX FROM MY CREDIT REPORT. 
ANY QUESTION CALL XXXX
On XX/XX/2018 I charged {$25000.00} on First Tech Federal Credit Union credit card as part of my payment for the Diamond level of XXXX. XXXX was an online business I had joined. 

On XX/XX/2018 the Federal Trade Commission ( FTC ) filed a  complaint against XXXX citing unfair and deceptive acts and practices in violation of Section 5 ( a ) of the FTC Act as well as additional charges. Reference Case # XXXX on the FTC website XXXX More information can be obtained on the Receiver 's site at XXXX First Tech has reviewed my dispute and states that because I failed to file dispute within their policy of " 2 month of charge '' that my dispute has no validity. The closure of XXXX did not occur until XX/XX/2018 which was past the allowable 2 months. 

I understand that if I had control of my dispute time frame ( say a store purchase ) and failed to file the dispute within 2 months of purchase that First Tech would have all rights to deny my claim. 

Unfortunately I had no control nor could I foresee the FTC closing the XXXX operation completely down! I have a large sum of credit card charges to XXXX. If the FTC has determined that XXXX was operating fraudulently then First Tech should follow their guidance and remove all charges associated with XXXX from my account. 

Any assistance you can give me will be greatly appreciated.
Our loan was sold from    XXXX   XXXX    to  Rushmore Loan Management  in  XXXX    XXXX   or before. It has been a nightmare with Rushmore trying to correct my account. Because we made additional payments to to  XXXX  over the years, we were paid in advance. We have continued to make monthly mortgage payments to Rushmore and have requested numerous times for Rushmore to apply the monies to the principal, but they have not done so. They have suspended some of our payments for some odd reason and have not applied all of the money we have sent to the principal. Nothin g Rushmore  has done so far makes any sense and I can not, for the life of me, get this resolved. This is very unnerving to have my money messed with in this manner.
On XX/XX/XXXX I contacted my Mortgage company ( XXXX ) to move my monthly payment from XX/XX/XXXX to the XX/XX/XXXX. I was told that would not be a problem but they failed to receive the payment and placed my account on default. I contacted them in XXXX and yet again they did not take my payment. In the following week I received a letter that my account was going to be in default again. I contacted them after realizing my credit score went down XXXX points. When I spoke to them they I made arrangements to repay the amount. Toward the end of XXXX I called to make sure my XXXX tax form was in the mail. As time passed on XX/XX/XXXX I still haven't received my tax form so I contacted them again and a representative of the company said my form was mailed out. I waited for another week and my form has not arrived. So on XX/XX/XXXX I called and wanted my forms to be mailed they said I could just do my taxes they told me the amount and I refused and said I need my forms that I would like for it to be overnight and this time the manager said that's not going to happen. Now it's XX/XX/XXXX and my tax forms still haven't arrived. At this point I have no idea what my options are. Your help would greatly be appreciated.
I am getting nasty calls and voicemails about someone I used to know years ago and their debt. They are telling me this person owes them a debt and asking me to pay it. They wo n't stop calling me and said that they wo n't remove my number from their calling list unless I track down the old college I used to work with.
I stop paying my mortgage so that i can become illegible for mortgage reduction for a couple of months and that was about XXXX or XXXX, however i have trying contacting the bank and no resolution, except they say it takes seven to remove any negative report. I would like this report removed because i am never late and would like to try and pay off my mortgage in 15 years instead of 30 years but this negative report is in the way.
I sent two seperate letters to Experian & XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian & XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian & XXXX act like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ...
I had my credit pulled for the very first time in XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX years old and have never had any credit established in my name until just 9 months ago when I got my XXXX XXXXs account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; XXXX XXXX response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and Experian 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.
Ever since Tuesday XX/XX/18, I have received numerous phone calls at my place of employment from two phone numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. On XX/XX/18 a gentleman by the name of XXXX XXXX called me at work and said that he works for an attorneys office and he has a client who is in the process of suing me and to call the XXXX- number above with reference number XXXX to discuss further. I asked who the attorneys office was and who his client was and he told me to call the number for more information. I told him that his company is not to call me at my place of employment and I will call him back. He said, Okay sir. The following day XX/XX/18 he called my cell phone and left a voice mail. I called the number back one Thursday XX/XX/18 and spoke with a gentleman who said that his client, Lending Club, was suing me and he was handling the litigation. Ive never loaned with Lending Club and I told him this. He said he is handling The litigation and I told him he can sue me because Ive never had a loan and then I disconnected the call. Today XX/XX/18 I got another call at work from a gentleman telling me that he needs to deliver wage garnishment paperwork to my place of employment and wanted to verify my address which he did. He asked if he can send it to my work address and I replied ; Sure! He asked me if I was worried and I said, Nope. He then told me that i can go XXXX myself. So Im convinced This is some kind of scam but they are very blatantly violating the FDCPA and it needs To be investigated further. Thank you.
To whom it may concern, SPS Servicing I wanted to give an understanding to my servicer of what occurred during the transfer of my loan from XXXX to SPS. I divorced XX/XX/XXXX.XXXX changed his address to XXXX XXXX address.Per court order of the divorce degree, the house was my-my soul possession. On XX/XX/XXXX, my ex-husband XXXX XXXX XXXX quick claimed his interest of our house to me. On XX/XX/XXXX, my original loan of XXXX was to have the Deferred Principal Reduction amount.Interest Bearing Principal Balance and this amount were XXXX Interest at the rate of 8.625 %. My first monthly payment set for XX/XX/XXXX, and on the Interest Bearing Principal Balance due XX/XX/XXXX. SPS was sent my loan documents on or about XXXX XXXX XXXX was making my new payments on my loan since XXXX XXXX, XXXX. SPS was only sent the original loan for XXXX according to XXXX, My new modified loan was not sent over to SPS for another 3 months according to XXXX who stated this might of caused a lot of the confusion .Any mail that had XXXX name on it was intercepted by the mail because he had put in a change of address XX/XX/XXXX.As part of the divorce degree, we had a no contact order for 1 year and until XX/XX/XXXX we had no contact about our divorce. XX/XX/XXXX XXXX XXXX XXXX filed BK and it was put on my credit, therefore closing my loan with XXXX and SPS. With no help from XXXX or SPS to clear up the life changing mistake during the transfer of my new modified loan to SPS out of fear XX/XX/XXXX I filed BK because was was not able to obtain a copy of my modified loan until XX/XX/XXXX because my loan was considered closed from XX/XX/XXXX from no contact and my ex-husbands BK XX/XX/XXXX, This has been a life-changing event times XXXX, None of this was done by my doing, It acquired during a life-changing moment of time. I humbly ask you to take a look at my situation one more time so this can be resolved and I can go home and remodel my house from the damage of my neighbor and the cutting down of my 50-year-old tree 's and use of a backhoe and rip out my 20 years of landscape to the squatters who did damage to my walls and floors doors paint ex .My neighbor asked a bank representative who was sent up to the property if he could trim my tree 's, and he was told nothing will be done to this property for a while so he took it upon himself to destroy my trees and yard to date the is a mountain of dirt and yard in my front yard. This has been life changing for me and my family I have lived on my property since XX/XX/XXXX when I bought it from XXXX and XXXX XXXX & XXXX XXXX, my parents and grandmother.What happened after my loan was transferred was not my fault or my doing, I ask my loan be reinstated and start fresh from XX/XX/XXXX because I have spent 5 years trying to fix all of this with no help from XXXX or SPS because my loan was closed and it 's almost impossible to obtain copies of anything when your loan is closed, please help me resolve this nightmare I have had to live, much XXXX and XXXX from things being out of my control to fix until I obtained a copy of my loan that was sent to the wrong address. 
humbly XXXX XXXX XX/XX/XXXX
In XXXX Bank of America gave us a line of credit. During the recession XXXX we started to draw funds from the line of credit. When the amount drawn totaled {$72000.00}, Bank of American withdrew the facilities and demanded payment of the balance. We were unable to meet the demand. XX/XX/XXXX, Bank of America obtain a Judgment of {$97000.00} against XXXX parties. On XXXX XXXX, XXXX we offered through the Bank attorney 's office to settle the judgment in full for {$40000.00}. We made the payment of {$40000.00} and received an acknowledgement that the payment was for full settlement. The Bank accepted the offer and instructed their attorney to draft settlement documents and the release of all parties. Two weeks later the bank reneged on the agreement. They stated they would change the terms for the agreement they had previously given their consent. 
They now will give partial release for only XXXX of the XXXX parties. We stated that they can not change the terms of an agreement after they had accepted {$40000.00} check for settlement. Nevertheless Bank of America proceeded to change the agreement and insisted that we sign a statement confirming that we had willingly and voluntarily accepted the violations to accept that partial release the bank again insisted that we sign a document require us to abandon all legal rights. We advised the bank through their attorney 's office that these documents were signed under duress. On XX/XX/XXXX Bank of America sent us a demand notice demanding {$66000.00} as final payment of the agreement they violated.
Experian continues to list erroneous information on my credit report. This has been happening for years. I have sent Experian copies of every document imaginable that proves to them, they are reporting inaccurate and erroneous information on my credit report. Experian is knowingly and willfully violating the Fair Credit Act and my Consumer Rights. They have been this daily for years. I have been sending them documentation that proves their reporting is wrong, but they will not remove this inaccurate and erroneous information. Experian continues to list an address that I have never lived at. I have sent Experian a huge amount of documents, including utility bills and bank statements and copies of my ID. Showing Experian that I have never lived at this address. ADDRESS : XXXX XXXX XXXX XXXX, XXXX NC XXXX. I have never lived at this address, but Experian will not remove it. Experian is knowingly and willfully violating the Fair Credit Reporting Act. Experian continues to list an erroneous XXXX XXXX account for {$21000.00} on my credit report. I have sent Experian tons of documents over the years, showing them their reporting is flawed and this is an erroneous account. Experian will not remove it. Experian has been violating the Fair Credit Reporting Act daily for years. ACCOUNT : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ... ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. TELEPHONE NUMBER : XXXX.The information listed on the account is full of errors and inaccurate. It is listed with a residential apartment address that is vacant, and the telephone number associated with the account is a non working telephone number. So how is Experian able to verify the alleged account, if the telephone number does n't work, and the alleged business, is not operating out of the vacant residential dwelling? And none of the contact information is valid? Also it shows the account was opened XX/2000. Pass statute of limitations. I know all this are violations of the Fair Credit Reporting Act. I want this inaccurate erroneous address and this erroneous account removed from my credit report. I also want Experian fined, if it is in your power to do so.
I applied and was preapproved. Sent all my documents got a response I would have an amount and final approval within XXXX hours. XXXX days later I received an email saying I was approved for {$10000.00} and they forwarded me the loan documents to sign. I signed the loan agreement and called the next morning asking when the loan would fund. I was told it would fund that night which was wensday night. I then received an email that I was declined. No explanation. I thought this was a mistake so I called and spoke to a supervisor and he said when the loan was ready to fund the software kicked it out. I could apply in a few months. He then asked me how much money I make, I told him I am paid weekly and monthly. At that point I figured not all of my correct income was entered, because I make exactly what I stated and faxed in. I think the issue was they entered my weekly pay but my monthly is XXXX as much. I called back to speek to someone and was suppose to get a returned call and once again no call. I emailed again once again no reply- I feel like if you tell someone XXXX hours and take a week - then tell them they are approved- then have them sign the loan agreement- then tell them they will find that night. Then you simply send them and email saying you went from approved to declined when nothing changed and everything was accurate. They deserve atleast a returned phone call after they wasted XXXX days waiting and doing everything that was asked. Most importantly I do n't feel like a business should ignore there customers! I am wondering if it is a legitimate company or not now that they have all of my information!
On XXXX XXXX, 2017 I was contacted by IMC on my work phone ( which was never provided to them ) and I promptly told them to not contact me at work. The man that called refused to get off the phone, told me he could call me at work because I do not answer my private phone. This is because I have blocked the number because they have received payment for this debt several years ago and I am still contacted by them despite the fact that I have resolved the problem and told them as such. To date the company has never proved the debt or mailed me the requested documentation when I paid it at least 3 years ago.
I have a few checking accounts at citibank. They are linked. One is supposed to be a charity account. For various reasons I had to downgrade the account to basic package ( I work at a XXXX and they had a special deal with citibank that citibank decided to renege on ). On the phone when I was ordering the account downgrade i asked if i needed to keep their minimum balance in all accounts ( since my charity account is constantly being emptied out for charity ). The rep said on the phone " no, the accounts are linked. as long as the total in all the accounts is over the minimum, there wouldnt be a charge '' ... Sure enough, there was a charge. I 've been wrestling with them for 3 days trying to get them to reverse the charge and standby the statement of their phone rep. They are refusing.
On XX/XX/XXXX a repo company tried to come to my mother 's house and repossess my car. My mother is a loan manager herself for a local credit union and works with this company so was obviously completely embarrassed and called me right away. I was told that they were coming within 24 hours to take my car because XXXX said I had not paid on it in 3 months. Long story short I have always gone through the drive through since my branch was XXXX XXXX and paid my car loan. For the last 3 months whoever was working the drive through window put my payments on the WRONG ACCOUNT. I called and was told I needed to bring proof that I had paid. I got my bank statements and printed out the cancelled checks and took them in. They never apologized and acted like it was no big deal. I told them I needed a demand letter stating exactly what happened ( this is in my BBB complaint ) and for my credit score to be wiped clean ( it had significantly dropped due to these fraudulent " missed payments '' ). I was assured of all of this. After filing a complaint with the BBB, someone called and said that they still had no idea why my payments went into the wrong account ( so now I have to worry every single month when I go in to pay ) and that my credit report was fixed. Just looked at my credit report and it is fixed for XX/XX/XXXX payment fur XX/XX/XXXX payment is still showing missed and my credit score is still significantly down. I 've still never gotten an explanation or apology from the branch and my mother being a loan manager is appalled at their business practice and I 've asked for a credit multiple times and have been ignored. Why are they able to benefit off of my money and go on with their " business '' as they 're wreaking havoc on my life and causing me unwarranted stress. I need my credit report wiped clean of this immediately, and once again feel I should get some sort of credit to my account for all of this.