WillisBack/dataset-financial-user-claim huggingface dataset:
Describe what happened so we can understand the issue ... 
In XXXX 2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XXXX, I received a notice from XXXX, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called XXXX to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the XXXX representatives said there was nothing they could do to reverse this. As of late XXXX, XXXX was cooperating with pending CFPB complaint. As of XXXX, XXXX claimed to have no knowledge of this debt ... at the same time, XXXX XXXX stated they no longer held the account and could not provide any information. On XXXX XXXX, I received another collections notice from Stellar Recovery. The repeated dodging of my complaints and shuffling of my account is making this issue next to impossible to solve.
Wells Fargo servicer of my mortgage invested by XXXX continue denying a fair review of my Request for a Loan Modification submmited basis on the " supposed '' fact that my mortgage is affordable, when is NOT. WF did not consider on affordability calculations, property tax payments ( do it by myself ), home insurance ( do it by myself ), HOA and Cluster ( both do it by myself ) as part of housing cost. When I include total housing cost my back to debt ratio is more than XXXX
For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I paid the minimum payment that was stated on my Billing but was told that I was 30 days late because I didn't pay my full payment amount. Previously I had paid way more than my payment amount so when the statement came for the listed months, it showed a reduced amount which I paid the reduced amount listed on my Statement. I explained this to customer service but they still would not remove the 30 day late charges that were put on my credit report. For XX/XX/XXXX, I have received a 30 day late to my credit report. I made my payment on time and also paid more than my payment amount for XX/XX/XXXX.
I have been trying to set up twice monthly payments with Freedom mortgage for 6 weeks. Ive tried online 6 times ( weekly ). Ive called three times. They take my info and say its set up and then call the other person on the loan ( not me ) 3-5 business days later stating it didnt work. I review my routing and account number every time ( 3-4 times ) and its the same issue each time. I can not set up more frequent than monthly payments on the phone and can not set up any payments online. Ive been given 3 different stories from 3 different reps. We tried to refinance also and they ran our credit scores and stated our {$130000.00} annual income ( up {$40000.00} from when we initially purchased ) is insufficient for a refinance and we need to keep paying PMI. When our loan is {$25000.00} less than our original loan. This company is a sham. I get a million different excuses/ and they made me pay one month in advance for the semi monthly which they seemed to have absolutely no problem setting up, but cant take the money that is due.
I have tried contacting North American Credit Services several times via postal mail regarding this alleged debt that is said I owe. I have yet to receive any response from them. I would like this removed from all of major credit bureaus immediately.
As a veteran, I feel XXXX XXXX XXXX is no help to us veterans on VA loans programs. 

After a bad car accident and a huge stack of medical bills, we completed our application and was granted a VA Forbearance program. Under the program we were not suppose to be charged late fees, or any late payments reported to the credit bureau. We successfully completed the special VA Forbearance program only for XXXX XXXX XXXX to ruin our credit by reporting late payments to the credit bureau which was not part of the forbearance program. 

We even offered to make partial payments during the special forbearance program and all were refused. We notified them many times that we were making arrangements to bring the loan current and they refused to waive their late payment charges and took rapid action to foreclose on our property. 

They processed a rapid foreclosure even after notifying them that we would be bringing the loan current. They rushed into foreclosure without any discussion with us and the first time we knew about it was when the county notified us of the date. 

We finally convinced them to take our payment to bring the loan current only for them to later sell our mortgage to XXXX XXXX  XXXX dba Mr. Cooper probably to avoid the headaches and press about their underhanded process. 

We sincerely hope that no one else is treated this way by XXXX XXXX XXXX or any other lender.
XXXX uses Experian for identity verification in order for me to sign up for heath insurance on the XXXX Website. I have been unable to sign up for health insurance based in whole or in part on inaccurate information in my Experian Credit Report. The reason I know it is inaccurate is that I was directed to call Experian and I did so and during the call the Experian agent asked me a number of questions about myself based on information obtained from their records. As the completion of the questioning I was advised that Experian is unable to verify my identity based on some difference between my answer and their records. The agent did not identify which information I provided that was supposedly inconsistent with their information. Because Experian did not identify which of the questions I supposedly answered incorrectly, their process precludes me from requesting specific correction.
Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with transunion and XXXX and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor XXXX I have attached the following proof from the credit bureau who has the correct information reporting
My ex-wife and I had an account in which she was supposed to be responsible for paying the account. She has since denied any responsibility for this account and it went to collections. The collections company is utilizing very ambiguous and questionable business practices by frequently increasing and changing the amount due. The original debt owed to XXXX XXXX XXXX XXXX was {$19000.00}, as reported on my XXXX/XXXX/2015 XXXX credit report. At Within the past THREE months the balance has been reported to all XXXX credit bureaus at a higher and different amounts. I am very aware that XXXX XXXX has already written off this balance as bad debt, and this company is trying to get more money while seriously damaging my credit. They even put on my credit report negative comments like " debtor has now been located ''. I had previously called and they had my address so the implication that I was missing is slanderous because it is affecting my good credit history. 
I have made multiple attempts to resolve the issue I have asked them for documentation of how and why the balance increased from {$19000.00} on XXXX/XXXX/15 to XXXX on XXXX/XXXX/15 to {$30000.00} on XXXX/XXXX/15! I have attached copies of the various notices in letters they 've changed demonstrating the rapid increase in the balance with no justification or as to why the balance have changed. I spoke with this company and they refused to settle, refused a payment plan, refused to explain or send a detailed invoice, they just keep sending notices with higher balances due. And each notice looks different. When I asked to speak with a manager, the woman, possibly " XXXX XXXX '' on the phone refused to get a manager for me. She was rude and very disrespectful. 
I really want to get rid of this problem. I would like to settle for 20 % of the original {$19000.00} debt due to the fact of the stress, defamation of my character by negative and fraudulent reporting to the credit bureaus, and problems working with this company have caused me. 
Thank you for any assistance you can provide me in this matter.
Tried to sign up with TransUnion XXXX https : //XXXX 

Gave them all my personal information so I could get a credit lock - their web site just returns " we 're unable to complete your request, contact Support '' ; but, the Support page has no way to actually contact them OR cancel my account/remove my personal information.
My bank processed the same check twice, causing an overdraft. Then they charged me a fee for the overdraft.
My father passed away on XXXX XXXX, 2015. There is a reverse mortgage on his home in Arizona. I notified Champion Mortgage of his passing and provided a copy of the death certificate and will. I noticed them of my intention to payoff or potentially sell the home. I have requested from them payoff information and copies of documents. The only thing I 've received from them is a XXXX % of Current Appraised Value Loss Mitigation Option Acknowledgement. I was told that it would take 72 hours to process and provide me with payoff and the requested information. We are now at 10 days and I still have not received the information. I 've made several calls trying to speak with the same person I first spoke to ; I 've requested calls back from that person to no avail. They are completely unresponsive. One person will tell me they can not correspond via email ; another contradicts that. I 've been recording the calls since they are recording me and have talked to XXXX different people and not one has been helpful. Mostly I get put on hold for lengthy periods. This company is the worst. I am at a loss to know how to proceed at this emotional time. I simply need to know what the legal rights are for my sister and I and how to proceed to payoff/or sell. I actually went on-line and read the feedback on Champio Mortgage and it 's frighteningly negative. This is XXXX XXXX and I was led to believe I only have until XXXX XXXX to act or this company can begin forclosure. That 's not what my father would have wanted.
XXXX   is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed
I was unable to make my regular scheduled payment and had notified the branch office where my loan was obtained, as you must deal with the location that issued the loan. The branch thanked me for notifying them and indicated since it was so close to the end of the month, my loan would likely move from their office to the corporate office. Just a few days later, " the corporate office '' contacted XXXX phone numbers, only XXXX of which was my business phone number. When I questioned why they had called XXXX different numbers, some of which are in no way associated with me, I was told " because you were n't in touch or responding ''. When I said I had just been in touch with the branch office less than 1 week ago, the individual said " do you wish to file a complaint? ". I had responded affirmatively, as there was no reason for 6 calls in a short period of time on the same day to all different phone numbers. About 1 to 2 weeks later, I was notified the issue was with the Executive Customer Care team. I heard nothing further. A few weeks later, I was notified the case & complaint had been closed. I immediately sent an email to the person assigned to the complaint. He then called me and told me he had left me a message and I never returned his call. When I told him there was no call from him and I had proof, he went on to explain they have access to a database or something similar that provides possible related phone numbers. I again reiterated, 1st he never addressed my complaint, 2nd, he never made any contact with me prior to that day. He stumbled & stuttered in an attempt to cover up his failures. When I questioned him in regards to the outrageous number of calls, especially when I had been in touch with the branch just days prior to this event and if contacting all these numbers was just an attempt to humiliate and intimidate me. He did not deny my accusation, just once again reiterated the database with possible related phone numbers. It was clear I was not getting any resolution from the " Executive Customer Care '' team. I had indicated at that time that I would file a formal complaint against Springleaf Financial. He assured me, despite my decision, they had removed any of the potential phone numbers associated with me and would only contact me on the phone number I had provided. Subsequently, Springleaf has once again contacted phone numbers other than mine, indicating they can not contact me and " have an important business matter to discuss with me ''. If this is n't harassment and humiliation, I honestly do n't know what else it could be.
I was contacted yesterday by a company looking to serve me with sealed summons. They gave me a phone number and when I called it was a debt collection company Creekside Recovery and Capital Management. They told me that if I didnt pay by XXXX, the summons would be served and legal action would be taken
I have never had trouble logging into my XXXX ( formerly XXXX ) student loan borrower service account, now all of a sudden it says " temporarily unenviable '' and I tried calling and they said my social security number is invalid, and also my account number is too.. I can not get in touch with them because my account number and social security will not work. I have tried to email them but they will not get back to me. Please help!!!
" XXXX. Research, legal process and requests for information '' on Page XXXX of Chase 's Deposit Account Agreement appears to conflict with Federal Law. The agreement states " If we receive any legal process relating to you or your account, you authorize us to comply with it. " and " We do not have todetermine whether the legal process was validly issued or enforceable. " This is incorrect since Federal Law promulgated by the U.S. Treasury department under 31 CFR Part 212 requires financial institutions whenever they receive a garnishment order or other court judgement ordering action against a customer account to follow a review process to determine whether protected federal benefits are in the account and if so protect them. Chase 's Deposit Agreement is not legally sound because the customer through an agreement with Chase can not waive these federal protections and Chase despite the wording of its agreement must determine whether protected funds are available and whether the order is valid.
On XX/XX/2018 and XX/XX/2018, two friends of mine received a call from Navient, the company currently managing my school loans. They ( Navient ) should not be contacting my friends or anyone regarding the status of my loans, especially since I am up to date with payments.
There is a fraud and someone is using my name, social security, date of birth to obtain a mortgage, car loan and credit card. This person requested a free credit report on XXXX XXXX, 2015. Therefore I ca n't get a report in my own name.
I again come to you for your assistance with this matter. I am the victim of ID Fraud and I have sent all the information that is needed to Equifax to remove the accounts that are affected. I sent the Police Report, FTC Affidavit and a letter of reference to Equifax and they still leave the accounts on my credit report and they have yet to remove them all.. Please again remove the fraudulent accounts off of my credit report and please block them out so that they can not continue to reinsert the sae information back on. You have deleted XXXX XXXX twice and yet tey continue to re-insert it back on because your have n't blocked the. XXXX XXXX XXXX is the collection agency that is collecting for XXXX XXXX and you have only deleted XXXX accounts and left the others there. You have left XXXX there. Please do your due deligience and no this should not take 60 days to complete you have 4 days to do so
Prior to renewing my mortgage, An Ocwen broker stated that I had to be delinquent to qualify for a lower rate. I paid late to get a better rate and Ocwen filed documents about delinquent payments. I currently make my payments by way of direct deposit and get charged fees for late related charges. Payments are made timely and never missed. Ocwen informed me that the fees are for prior year late payments and/or postage fees. Ocwen refuse to remove the information from my credit report and is being unfair about the additional fees. The mortgage company is also showing a deferred balance on my account that should have been included in my refinance. I only requested a lower interest rate and not an extension of fees for time to pay. The changes was suppose to be a part of a government program not Ocwen 's program.
This is a unverified debt that appeared on my credit report due to inaccuracies according to section 609 of the fair credit reporting act this debtor has to have my original signature proving the debt belongs to me I am askin for proof of this debt with the original signature and if And where is this being verified or how? If they fail to produce an original signature I demand a deletion. 

Thank you XXXX XXXX XXXX
I have an account on my credit file that I don't recognize as my account and every time I I call Equifax to dispute this account I can never get through to someone to speak with them about the matter. When I do speak with someone, the phone line has a very bad reception and the person on the other end does not speak English clear enough to understand me and I can barely understand them. I go online to try to dispute the error and every time I try that I get a message that states " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' The accounts are : XXXX XXXX XXXX  - XXXX XXXX/XXXX - XXXX These accounts are only showing on my Equifax report. There are pictures attached with my complaint.
I have been trying to get a Deed in Leiu from them since XXXX 2015. They keep sending me the same paperwork to fill out and nothing gets done. Every few weeks they send me a letter telling me I have a new account rep and the process starts over. I have had XXXX different people tell me they were sending the Deed in Leiu form for me to sign the property back over to them but they paperwork as never arrived and the new accout rep does n't see notes from all the people I have talked to before. The loan was forgiven in my bankruptcy but they are just giving me the run around and constantly harassing me.
on Saturday, XXXX XXXX, 2017, I visited a XXXX XXXX ATM machine in XXXX Maryland, where the funds did not disperse from the ATM. I 've called over 10 times to XXXX XXXX for assistance with submitting a claim. the company has hung up on me all 10 times. I went to the nearest XXXX XXXX bank to submit a claim, and was turned away as the claim has to initiate from the XXXX XXXX. these are government issued, protected funds and this company is not helping me recover what was taken from the atm machine
I have been requesting proof showing where I have obtain this loan. This information had been on my credit for a long time I believe it was an ex who used my information at the time. Stolen Identity.. 
Apparently I have been requesting documents they refuse to provide me with any documentation but still validating that debt on my credit report
I have been paying XXXX a month for a service that dont work. I called several times and the employees didnt understand. They would give me a number to call for global services and I ended up back speaking to the sameness people. Very frustrating to explain the problem to 8 different people in one day and still no results. This has happened before so I canceled the service and restarted it and now its doing the same thing. I do y have money to throw away. I am really afraid that my credit isnt being monitored at all. The report does not update nor the alerts. They had the nerves to tel me I have pulled my credit too many times. That I needed to verify my identity by sending in proof. Ive done that and still no results.
Company name hunter warfield amount attempted to collect is {$2000.00} dates appeared on credit agencies  XXXX   XXXX ,2017. Balance is invalid coming from a previous apartment complex that I moved out of and put in a 30 day notice due to someone repeating breaking into my home, called the police several times due to the break ins. I have spoken to the  landlord and was informed that the balance will be taken care of due to the circumstances of why I moved out. Hunter warfield continues to call me after I have explained that the situation has been taken care of and the rental company will be contacting them. They call everyday all day from different numbers. They are   XXXX   my life with the calls as if the break ins was n't enough  XXXX . Just want it to st op so I can move on.
I wanted to ask what happen with the XXXX is a issue that was happening at Citibank, when I came on board to the XXXX branch in XXXX Florida and while doing monthly audits I discovered numerous accounts opened without client authorization. 

I brought this to the attention of my current supervisor at the time alongside upper management and loss prevention an investigation was done to be done however since I brought forward those claims that showed numerous employees practicing unethical practices, I was considered a whistle blower and that 's when the retaliation alongside discriminatory behavior started against me until I was fired without merit. 

Is there a legal case against them?
This issue has happened to me multiple times in which I was charged interest on a XXXX credit card account that had a remaining balance of XXXX dollars. I find out about the interest months after because I receive letter stating that they ( XXXX ) are trying to charge me interest on the interest that originally charged me for when I had a remaining balance of XXXX dollars. And when I called to tell them about it, sometimes they tell me that its my fault because it was interest on the pervious month. I try to explain to them that how is that possible if I did n't have a balance to even get charged interest. I even went as far as explaining to them about how interest is calculated and even gave them an example explaining that no matter the interest that I had XXXX times any interest is still XXXX. Recently I had to call again to the XXXX Credit Card service because the same issue happened in which I was being charged interest again for having a remaining balance of zero. I asked they and they said because I paid my balance off in two separate transactions, one was paid a little under 3 weeks before and the other a week before my payment was due, that 's why I was being charged. I told them how is possible if the balance was still zero a week prior to the end of the billing cycle. The solution that they gave me was to pay in a single transaction. To me that 's not a solution because it should n't matter how many times a payment is made if the balance is XXXX then no interest should have been carded.
I owed {$560.00}. They contacted my family members that did not have anything to do with this ; even my nephew in another state. Told them that I would be served with papers within an hour. Humiliation and scare tactics. I called them back and made an arrangement. I paid {$270.00} of the debt and the last time they tried to draft out of my account - there were not enough funds. So the " mean '' man started calling me again. I told him they could resume drafts next week. He told me he would be at my house within 1 hour and I needed to have 2 forms of i.d . ready and I would be going to court on charges. I am trying to pay this back - but I do not like being bullied. This debt initiated through Advance America - but XXXX XXXX XXXX is the company harassing me.