WillisBack/dataset-financial-user-claim huggingface dataset:
Virtually every day from XXXX until XXXX I have received anywhere from 2-7 phone calls from a XXXX number that asks for me by name. Several times the calls are dropped and the few times they stay on the line refusing to identify who they are. One time I gave them the information they requested and they told me that I owed a debt to XXXX. I told them I did n't believe that was the case but that if that was I would take it up with XXXX because i did not feel like giving out my information over the phone to a company i had never heard of. 

They told me that XXXX XXXX XXXX could not help me and that I must pay through them. I told them I would not be doing that. 

I subsequently paid this off through XXXX XXXX XXXX - meaning this debt collection agency not only called me obscene amount of times but also clearly lied to me.
I had XXXX auto loan with Ally Financial that originated in XX/XX/XXXX. I made my payments on time every month. I filed Chapter XXXX bankruptcy XX/XX/XXXX, and payments were being made to Ally Financial through my bankruptcy plan. I surrendered the vehicle to Ally Financial XXXX to remove that debt from my bankruptcy and so I could purchase another vehicle with a different financial institution. Now, Ally Financial is reporting XXXX on my credit report when I only had XXXX loan with them. Also, on those XXXX reports from Ally Financial, are also showing delinquencies that never happened.
I signed up for an American Express Platinum card with a XXXX point welcome bonus. The card has a {$450.00} annual fee. I met the requirements for the offer with {$3000.00} of spending in the first three months of opening the account and had the points posted to my membership rewards account. American express put a hold on my rewards account and I immediately stopped spending on my cards with the idea that I should not use the card until the issue was resolved. American Express took back the XXXX points that posted to my account after the three months had ended. They factored an airline fee credit into their calculations and determined that I had come short by {$2.00} to meet the minimum spend. They rendered this decision after the period had passed under which I could have canceled the account and received a refund for my annual fee of {$450.00}. American Express was never transparent throughout this process, never indicated that I needed to do additional spending on the card *after* I had met the terms and conditions and kept me in the dark until after I was ineligible for a refund. Had I known this issue was not going to be resolved ( I was specifically told on the phone that they would give me the XXXX points back because the fee credit was a computer error ), I would have canceled my account for a full refund.
Quicken loans increases our payment each and every year even if there is not an escrow shortage. Even when they give a refund of escrow overage - they will increase the payment. I called last year and paid the shortage, plus an additional amount and they finally relented and left my payment the same. This year, I am getting a refund for the overage about {$700.00} and they are raising my payment by ~ {$30.00} and REFUSE to leave it the same. This mortgage company rates among the worst!
During my bankruptcy modified my home loan with Green Tree now known as Ditech. I was informed my payment amount of {$1000.00} and paid that amount every since XX/XX/XXXX as advised by bankruptcy attorney and Green Tree. I've never missed a payment since. 

My bankruptcy was discharge in XX/XX/XXXX. The next month I received a letter from Ditech stating that I haven't made a payment since XX/XX/XXXX. That simply isn't true. I have the proof with my banks and Ditech also have indicated on my payment history which is on their website the receipt of the payments. If I mail a payment via 1st class mail they don't process the payments sometimes for up to 2-3 weeks. I attempted to make a payment in XXXX and again in XXXX but was unable because they demand a payment of {$5200.00} for months that I have already paid. 

During the bankruptcy the mortgage statements came voided of any information up until XX/XX/XXXX. Every time I called the phone never prompted the ability to leave a message and just hung up. I finally spoke with a representative on XX/XX/XXXX, XXXX, and he also indicated that he didn't understand the reasoning for the letter and gave me fax number and address to send a written dispute. 

This matter is very stressful and reeks of predatory loan practices. I view over 3,000 complaints about this organization-XXXX-Green Tree-Ditech- and am very concerned. 

Please help me to resolve this matter. Thank you in advance for investigating this matter.
Midland Funding filed with attorneys XXXX XXXX XXXX XXXX XXXX for collection with court when already set up with Credit agency and was accepting $ 100 monthly paymentt from XXXX XXXX / 2015 from XXXX my acct XXXX .Payments made are in the amount {$100.00} on the XXXX of the month with no payments missed.
XX/XX/2018 and XX/XX/2018 Account Amount : {$1100.00} XXXX XXXX XXXX, XXXX. reported account onto my credit report which I requested proof of documentation bearing my signature. the company haven't provided me with this document which is a violation of the FCRA.
My spouse lost his job and we fell behind on our XXXX mortgage. I tried on several occasions to get my mortgage modified to an acceptable rate but I have been told that I can not get anything lower than the 7.5 % interest rate that I have because my loan is n't backed by XXXX or XXXX. Since I am unable to modify or refinance my loan according to Nationstar, I would like to make payment arrangements since my family is helping us with the money to get the account current. I have left several messages for the loan specialist assigned to my loan but no one has returned my calls or left me a message if I was n't home. I am trying to pay 3 months of my mortgage now ( XXXX/XXXX/15 ) and the remaining 3 months on XXXX/XXXX/15 to bring my account current. Any assistance to help me get some customer service would be greatly appreciated. I did call and spoke to a general rep that provided horrible customer service and was rude. Thank you for any assistance you can offer in getting someone to return my calls!
Starting from XX/XX/2018 Transunion has continued to incorrectly report my two accounts at XXXX XXXX XXXX as closed by my request. I have disputed this information as incorrect multiple times, do to the fact the accounts are not closed, to date they are still reporting incorrect. I also called my credit card company who verified the status is incorrect. In return this is impacting my credit score.
In 2006, I was hit with a massive Identity Theft. Someone put amillion dollar home on my credit - then the person changed myaddress to theirs and thus received all my identity and preapproved credit offers. I filed a police report with XXXX XXXX XXXX and they sent me to the District Attorney in XXXX XXXX - The DA stated this is just the tip of theiceberg - it happened just when the housing marking wasslowly collapsing and I really got hit. 
I immediately notified XXXX XXXX and Experian.I placed a fraud alert on my credit bureaus and it took mea full year on the phone with DA and Police to clear my nameand prove I was who I said I was. I sent Identity Theft infoto all the accounts - seems they opened several accountsthru mail - most of the people were nice, but not XXXX, XXXX and XXXX - I told XXXX it was an identity theft -they told me they did not believe me, even with legal notice -they also said they would put a lien on me unless I paid the {$5000.00}. Sure enough, XXXX placed a lien on me - andmy credit plummeted. I called XXXX and asked them whenmy court date was and explained I wanted to speak to theJudge to explain my circumstances and clear the lien -Chase did not respond - in the meantime I notified allXXXX credit reporting agencies again - sent written letterscalled and nothing happened. I believe it is because itwas right at the time the XXXX Market collapsed and theywere overwhelmed. 
In any event, every XXXX of the late accounts and lienare still on my credit reports - I called the XXXXCourt House to try and get the liens removed, theytold me to go back to XXXX and XXXX - of course noresponse. I was denied a new lease with XXXX XXXXbecause of my credit and I am presently paying 19 % XXXX car loan x 3 yrs - I am trying to get a fixed Mortgagefrom XXXX and I can not even get information due tomy Credit History. Most of the Deliquency accountsare at least 10 years old - I have faxed, called, got mad at all agencies but no one cares. 
I just want my stellar credit back - my car ins. back to normal ourates, my car pmt back to normal interest and my Mortgageback to a fixed rate. 
Can you give me some suggestions? 
I have all paperwork and faxes but I am not too gooduploading. I can send in mail if needed. 

Thank you for your helpI
Since XX/XX/XXXX I have been asking Bank of America to stop all automatic payments. Now I have 36x {$35.00} NSF fees and they are still adding up. 

First the bank told me the payments will still go through but I will be charged the {$35.00} NSF fee. 

No the payment is not going through, and they are bouncing the payment and still charging {$35.00} for return check fee. 

The Businesses keep trying to charge, and they keep bouncing and charging me. 

Bank of America is so wrong for this.
Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Transunion is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late XXXX 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Transunion did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Transunion delete the XXXX XXXX payment information, altogether, in a written requested dated today, XXXX XXXX, XXXX.
I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, TransUnion and XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : XXXX has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the XXXX report. I have tried to speak to Dispute dept Reps from XXXX  only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that XXXX uses so they could not help me or remove it from my report.
The original debt is from XXXX. As part of a sales promotion, XXXX offered a {$250.00} gift card for purchases of their products. After establishing service, I never received the gift card. I made several phone calls to XXXX and always got the same response, " We see here that the issue is being investigated ''. The gift card was never received. After cancelling my service I was billed {$300.00} from XXXX. I did not pay the bill because I had not received the {$250.00} gift card. A few months later, I received a collection notice from Diversified Consultants , Inc . I immediately contacted Diversified Consultants and told them that the debt was not completely valid and would be disputed with XXXX. At the same time, I filed an official dispute, in writing, with XXXX. A few weeks later, I received a Voice Mail Message from someone at XXXX instructing me to call them back to discuss the matter referencing case # XXXX. I called them 2 times and left a message on their automated system and never got a call back or received any correspondence of any type regarding my claim. A few months later, I received another collection notice from Diversified Consultants , Inc. for the same claim. This, after I had already disputed the validity of this claim and never received any kind of response from either XXXX or Diversified Consultants. Shortly after, Diversified Consultants filed negative credit information on my credit file, again, after not responding to my dispute. On XXXX, I sent a certified letter to Diversified Consultants with all information outlining all details and offering a resolution to my dispute. My certified letter continues to be un-answered. Diversified Consultants has abused their power by erroneously filing negative credit information on my credit file.
The debt collector ( s ) have my number but I am not the person they are looking for. They are looking for a person with a similar name. I realize that debt collection calls are allowed but I am not the person they are looking for and they won't stop calling. If I get one collection agency to stop ; they sell my number to someone else and the annoying, harassing calls start all over again. This is harassment.
XXXX XXXX XXXX  credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me
I purchased a refrigerator at Best Buy and the customer representative set up the account for 18 months deferred interest. After 18 months over {$1100.00} in interest was backed charged. I did n't receive any advance notice that the promotional interest free date was ending. Not one notice was emailed or mailed to me regarding the promotion ending and the charges that would occur. I did not receive any billing statements by email or postal mail in XXXX 2016. I feel this a bait and switch tactic as there are no alerts or special notices emailed or sent to the customer after 18 months to indicate the end of the promotion. I was advised subsequently there is a 1 line small detail in the regular online statement. ( However I did not receive any emailed regular statements indicating this information ) Most customers will forget after 18 months without any reminders. I believe the interest should be removed as this is a bail and switch and I was not properly notified by email or postal mail of the change in terms. In addition they changed my billing to paperless without any notification, however I also did not even receive a regular email statement with the information.
We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....
I responded to a direct mail invite code in XX/XX/2018 inviting me to open an account with Wells Fargo. If I were to perform 10 transactions per month of {$1.00} or more for 3 consecutive months. On XX/XX/2018 I received an email entitled " Update to your recent personal checking requirements '' which revised this offer, stating : " You will now be required to make 30 total debit card purchases/payments of at least {$1.00} each, posted within 120 days of account opening, no longer requiring 10 transactions of at least {$1.00} each month for 3 consecutive months ; we have extended the time period for you to make the 30 transactions. '' I'm including a screenprint of this email as an attachment. I complied to these new terms and conditions and performed over 30 transactions over {$1.00} within the first 90 days of account opening. I followed up via Wells Fargo 's secure email service to ensure everything was completed successfully and was told I was not eligible for the bonus because I did not complete 10 transactions per month for 3 consecutive months ( per the original terms, not the updated terms ). Email and Phone support personnel were not able to find record of this update to the terms of the offer, and did not have a means for me to forward this email. I did copy/paste the contents into their secure email service, but I was told I was still not eligible for the same reasons. Further, I was told that I can not have received such a bonus in the last 12 calendar months as an additional reason that I was not eligible. While I have received a similar bonus from Wells Fargo in the past, this occurred more than 12 months ago. My deposit accounts were closed more than 12 months ago as well. Further, the original materials sent to me did not contain a reference to this 12 month requirement, it was communicated after the fact via email, which is deceptive. I let it go at the time because I was aware that my last occurrence was more than 12 months prior. After over a month of following up by email and phone and being told ( incorrectly ) that I was not eligible for varying mixes of these reasons, it became clear to me that Wells Fargo did not intend to make good on their offer. I closed the account out. I'm disappointed by this behaviour.
Received letter from First National Collection Bureau Inc I sent letter as i do not owe them anything. They claim to have purchase third party debt from XXXX.
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.
My mortgage was sold to a new servicer. I have had many problems with the new servicer related to the property insurance. The new problem is regarding the escrow account. I received an escrow statement at the end of XXXX of 2016 and another one at the end of XXXX. The first statement claimed an escrow shortage of approximately {$61.00}. The XXXX statement claims an escrow shortage of over {$970.00}. This " shortage '' is because they have counted two years worth of taxes in this statement. After my previous experiences with this company, I feel I must now use the Consumer Financial Protection Bureau to be sure I receive a prompt and well-documented response.
XXXX   XXXX ,  2017  I applied online for  a Khol 's Dep artment store credit card. I answered some fraud information questions and at the end of the application it stated I would receive a letter in 10 days. On  XXXX   XXXX ,  2017  I received a letter from Kohl 's stating " unable to verify fraud information '' and was denied credit. I called the company and asked why was I denied credit because Kohl 's did not make an attempt to telephone me to verify my identity due to a fraud alert on my credit file. The Representative was agitated and stated there was nothing she could do and the decision was final. I re-applied a week after that for credit, answered the identity questions, and once again, I received a letter on  XXXX   XXXX ,  2017  stating " Unable to verify fraud information ''. I never received a telephone call to verify my identity. Kohl 's department  Store  deliberately denied me credit. They have improperly used my credit report and fraud alert information. Kohl 's is refusing to correct this matter.
I had fraud committed against me and reported it to Discover, XXXX and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
I am a XXXX and am now entering my fifth year of XXXX. When I entered XXXX XXXX XX/XX/2011, I deferred both my federal and private XXXX student loans until I am out of XXXX XXXX. My private loan at the time was through XXXX XXXX, which is now Navient. This fall Navient informed me that I had a 48 month limit to my loan deferment, even if I have been enrolled as a full-time student this entire time, according to my promissory note. I found the promissory notes ( I have XXXX loans with Navient ) with the electronic signature from when I took the loans out, and there is no language that says I only have a 48 month limit for deferment. When I disputed that claim on the phone Navient representatives were dismissive, told me all promissory notes have a 48 month limit and that there is nothing I can do and I must pay now, and told me to send all correspondence via a mailing address, rather than dealing with this issue on the phone or online. Additionally they removed all of my original online documentation from XXXX XXXX when my account was rolled over to Navient. I have also paid for forbearance to temporarily lift my loans out of delinquency because they were charging $ XXXX/month payment and this payment is unreasonable. I expect that Navient should have the promissory notes in their accounts and quickly agree to honor our agreement either online or over the phone, and that they should allow me to keep my loans in deferment while I am still a student.
Central Financial Control has reported and continues to report information to the Credit agencies that they know is inaccurate and false information. I have contact them several times in writing as well as numerous phone call over the past year. I have sent then CERTIFIED MAILINGS with copies of the CANCELLED check as PAYMENT IN FULL as well as bank copies of the processed check as payment. ( Please see attached uploaded documents ) There are RUINING MY CREDIT RATING!!!!
on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit
I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.
I had filed a fraud alert with the bank over 3 weeks ago have called everyday to speak to XXXX in fraud and secerity but have only reached voice mail left 15 messages no return call had bank email him they said they did n't know where he was???