WillisBack/dataset-financial-user-claim huggingface dataset:
My problems with XXXX started in XXXX when my recert was due for my repayment plan. My payments prior to XXXX were affordable, then I get a letter saying that my payments have been changed to {$190.00} a month. I called and told XXXX that my husband and I have way to much bills and I cant make that payment. They stated I should apply for a forbarence on my pond. A guy on the phone helped me fill out the application and then told me to reapply for a different repayment plan.. so I did. My account was placed on hold and I received several letters about me being approved for forbarence until XX/XX/XXXX. I received a bill in XXXX for $ 5000+ due on my payment date. I called XXXX  immediately and asked what was going on. I was told that this was built up interests from being on forbarence and not making any payments. I was then told it would be added onto my loans soon as my new plan was approved. I was also told that I missed my {$5.00} payment that I never got a bill for for my new application/forbarence. I check my account on XX/XX/XXXX because I received a letter stating that my new balance of {$200.00} is due on XX/XX/XXXX. I paid this amount on XX/XX/XXXX. I checked again at the end of the month to see if my payment was applied and my account said I had {$200.00} due again. I didnt have the money to pay, but I did and it left me with less than {$50.00} in my bank account. I called XXXX immediately and asked what was going on. I was told that I did not request for the {$5000.00} to be capitalized on my loans. I told the man on the phone that this was the first time I heard XXXX  say anything about me having to request it to be capitalized. He told me that once I am approved for this capitalization, then I need to call back and request that the two {$210.00} payments I made in the month of XXXX to count toward my loans and my PSLF. I receivived a text message today from XXXX stating that I missed my payment date on XX/XX/XXXX ( even though the bill stated I owed XXXX and I paid it twice ). I am so tired of XXXX  finding ways to get more money out of me especially when I told them that our debt to income ratio is on the bad side. They really XXXX with my account and my financial life. 

I would like to attach all the letters I received from XXXX  but there are so many!
On my experian report I previously dispute several accounts and got them removed now a few years later theyre back on there but under a different collection company. This whole process is XXXX  the companies dont care that they have the wrong info, or outdated info, or anything. They knowingly post accoumts that they should n't. They need to be held accountable
Wells Fargo took {$10000.00} from my account with no due process or prior notification that this would occur. The debit on my accounts only had the name of a law firm I did not know and a phone number from a city I had not visited in over 10 years. After some investigation I found that Wells Fargo had taken my money due to a court order against another individual with the same name. I spoke with the lawyer listed on the debit, and he worked with the Wells Fargo lawyer to return my money. 
While I am glad to have my money back I am still troubled by the gross negligence displayed by the bank in taking the money out of my account without verifying any personal information beyond my name ( no SSN, no DoB, etc ). When I asked the bank for an explanation they offered none, then after originally agreeing to escalate the issue to their executive office they began an endless loop of transferring my call to other office that could not help. 
I was lucky to catch this transgression when I did, and even luckier that I was able to live for a short time without the funds they took, but that does not excuse the reckless behavior of Wells Fargo. I hereby ask the CFPB to investigate Wells Fargo in their lack of due diligence when paying debt collectors and prosecute the bank for any illegal activities that the Bureau uncovers.
On XXXX XXXX XXXX I cosign for my sister a car in which later me and her had a problem getting on the same page about the car and insurance and payment in which I made the decision to take the car back to the dealership to have them take me off the loan or take the car back. I spoke to the finance manager XXXX XXXX on friday XXXX XXXX 2017 in which i had the car with me to return it was at XXXX which she stated that the finance place that she went threw was closed and said that she will reach out to me on XXXX at XXXX in which she didnt so around XXXX when i got off work i went back to the dealership which is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Mo. XXXX and spoke to XXXX XXXX again and she said when she got to work this morning and said they said it was to late the loan has been sent already. I ask for the number to call and speak to them and she did so I called and talk to an rep name XXXX in which she stated that she couldnt give me here last name i said ok i gave here my name and social to look up the account she said that there was not an account yet because it takes up to 30-45 days i told her that i was trying to return the car because I didnt want my name on the car because of personal reason she then stated that the dealership can do that since there is no loan yet so I had them page XXXX again told her what the young lady said she said that they dont know what they are talking about and there is nothing that she can do and i told here that she can and she said there is not so i decided to take the next steps.
My husband and I have a mortgage with XXXX XXXX XXXX and we applied for a loan modification in XX/XX/XXXX and we have a signed contract stating that our loan modification has been accepted. The next month in XX/XX/XXXX XXXX XXXX XXXX sold the loan to a company called XXXX. In XX/XX/XXXX we sent in the new payment of {$1900.00} and Shellpoint accepted and cashed it. We sent in XX/XX/XXXX Payment of {$1900.00} to Shell Point and they accepted that payment as well. Then, we sent in XX/XX/XXXX payment but they returned the it and stated that we were not paying the right amount. We sent in XX/XX/XXXX payment and they also return to that to us and said we were n't paying the correct amount.

We have not paid the mortgage payment sinceXX/XX/XXXX because they keep returning the payment. Now Shellpoint is stating that they are not accepting the modification and they are looking to foreclose on our home. We have tried contacting the president of the company and we have tried getting him to accept our payment, but they will not accept our payments which has lead us to believe that they are trying to get us to foreclose on our home. 

We have told them that we would catch up on all payments if they would just remove the damage from my credit report. They have been reporting inaccurate negative information to our credit report and now even though we want to sell our home to a new mortgage company, no one will give us a new mortgage because of what Shellpoint has reported to credit bureaus. 

My husband and I completely are at a loss and feel like we are about to lose our home because Shellpoint company not willing to accept our payments or call us back after numerous attempts to talk to them. XXXX XXXX is the supervisor and she keeps putting us off and will not call us. We are completely stressed by the situation and have the money to pay our mortgage but they will not contact us back and we do n't know what to do. We have a new house that we want to buy in New York but the new mortgage company will not give us a mortgage because of the current situation. Although we explain to them that the company wo n't accept our payments they do not care. We have even contacted and attorney but they all want XXXX plus to help us. I will include all the contracts and documents and bank statements proving our payments and that Shellpoint is completely reckless and negligent in what they 're stating and reporting.
On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the XXXX XXXX to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX or XX/XX/XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the XXXX XXXX. Then, I checked my XXXX XXXX account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to XXXX XXXX and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks XXXX got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to XXXX  and Transunion. Which they never delivered and they ultimately asked me to do that, too!!!! 
1. I did file a dispute with both XXXX  and Transunion and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to XXXX XXXX again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should XXXX not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you
Midland credit management is trying to collect on an unknown debt that is n't even showing up on my credit report, they have called me numerous times at work on my work cell and have also called my fiancee 's cell and her home phone and my XXXX Daughters Cell harassing all XXXX of us
Hello, I have loans with Navient, who XXXX XXXX is their collection department, I entered in to a payment plan with them after not knowing that these XXXX loans did n't consolidate with my other loans. I entered in to payment plan with them making was making {$50.00} payments and up it to {$120.00} a month when I was informed that it would help me to come out of default status. 
However, that was not the case, it showed back up on my credit report as default loans, I called the loan service XXXX XXXXNavient and I was informed that those payment were not applied to my plan. I do n't know were they are applied too, they stated i was just in a low interest plan and stated in order for that status to come off my credit report and for the loans to show a good standing I would have to pay the loan in full, and they could make a settlement with me for {$5700.00}, which I could now make a new arrangement to start making a new payment of {$470.00} a month. 

So the {$1500.00} plus amount I have already paid has went to nothing on improving the status of this loan and now they are on my credit report as default which is keeping me from getting a mortgage. I asked them if they could please update the status on my credit report because I have been making payments to them on the agreed amount which they do auto pay. Their response was, I would have to pay the loan settlement before the status could be changed. 

.
I opened a chq.acct. with bank of America on XXXX. I received a cashier 's cheque for {$4800.00}, from an on line company for a job as a " XXXX XXXX '', which I deposited into my acct. through the ATM process, on XXXX. I received a receipt .On XXXX I recieved evening mail from Bank or America ( detailed copies of same will be furnished as requested ) explaining that a '' Hold '' was placed on my cheque because paying bank information indicates item may be returned.Consequently I received two other pieces of mail with deposit and other additionsiwas confused .The following a.m. 
I went to the Bank, I was informed by a Cust.Svc.Rep. that they believe that the cheque is fraudulent and I would have to wait until XXXX for the cheque to clear or be deemed fraudulent, although he already told me that the cheque is not good.I explained that my Direct Deposit ( SSI ) would be coming on XXXX.He then told me that most likely the Bank would close my acct.I asked why. His reply was because of a fraudulent cheque. On XXXX I received mail from Bank of America that they made a decision to close my account I went to the bank. On XXXX, I went to the bank to pick up my SSI cheque.Due to the acct. closure I would have to go directly to the teller for my money.Shetold me my acct. is closed and I must speak with the said Cust. Svc. Rep .I am unable to pay my rent, I have nofood to eat and no money.I went to my Congresswoman for help and was guided to take this step.I do have all receipts and documents, and names so I 'll be brief as possible. Thanking You in Advance. 

rent is due, and because of my XXXX, there are certain things " I must buy.I was told by the teller to see the Cust.Svc.Rep who informed me that my acct. is closed and I would be unable to get any monies until they have I do haveAll necessary documents, names and receipts but my copier is not connected for no money for ink.
I requested the company correct their reporting on my credit report and they responded with a threat to garnish my wages and withdraw the signed payment agreement we currently have that has not been broken by myself in any way. They are now threatening to void the signed contract and force me into other options I can not do. The options they are trying to force me into are as follows 1. sign a new agreement for a higher payment amount that they know I cant afford. 2. Settle the amount in two lump sum payments again they know I cant afford. 3. Threatening me to garnish and they only way to avoid it ( in their own words is to file chapter XXXX bankruptcy which I cant do. They have contacted my employer to ask personal questions about my pay and advise my employer of my debt and their threats. They have also refused to respond to me in regard to the incorrect reporting on my credit.
I requested to have my employer updated and address corrected. Although, the employer was updated the address was totally messed up. This is inaccurate information.
Experian - I unknowingly signed up for the credit report service for {$22.00} a month back inXX/XX/2017. When I saw that I have been charged in XX/XX/2017, I immediately called to cancel. Since then, my family and I I've been very busy with a cross-country move and new jobs, and did not notice that the billing continued. I'm now in a different time zone, and have been unable to connect me with customer service because the wait times when I am available are always 3 hours or more. I'm seeking restitution of {$50.00} to cover the expenses cost as well as the cancellation of my account effective immediately.
I received a call from telephone number XXXX which belongs to .Stellar Recovery, Inc. No message was letf of any type and we become immediately harrassed at this and do not want this company to call us again. 

It is no way to do business when you leave no message and therefore I would not be interested in anyone from the company to ever call me whether it be by telephone, email or letter.
XXXX is reporting a credit card account on my credit that does not belong to me through Transunion, XXXX, and XXXX. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.
my father who has XXXX from a XXXX XXXX 7 years ago, was counseled to co sign a loan for his grandson. I as the daughter and a realtor was not consulted and was kept in the dark about this issue. one night my father called me regarding papers which were truth and lending. I asked " dad did you take out a loan '' he said no. after discussion I agreed to go to his bank with him and have his bank rep look at the papers. The bank rep asked my father if he was moving. He said no. next the rep stated, XXXX XXXX. on this owner occupancy paper it says you are moving at this address. this was a document as the primary borrower. my family, brothers and loan officer had my father sign papers which were not true. the banker asked me what I was going to do. I said if I do something, I will be disowned by my brothers but if I dont do anything my dad my get hurt if he needs credit in the future. my father is XXXX years old. my brothers are an attorney and a financial estate planner. My father has XXXX other grandchildren. I called the loan officer who stated, yes I know you and your whole family. I replied did you not find it strange that I was not part of the conference for this loan. and I was not the realtor and this affects my fathers best interest. He replied that the grandson would not get the loan. I replied that it is my dads call and gave my father the phone. my father said he would not do this loan. All knew including the real estate agent my father has XXXX. since then I have had a flood of issues with adult abuses to my father for his money. This is why at this time I feel we need to revisit the attempt that was made to commit fraud.
Chase insists on reporting delinquent payments on my credit reports and my wife 's credit reports 6 years after the Chapter XXXX bankruptcy was discharged. We have requested the information be removed by contacting the reporting bureaus, Chase and now CFPB
I purchased a XXXX XXXX XXXX in XXXX XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XXXX XXXX to XXXX XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact Capital One Auto Finance and assist with getting what they have been report unfairly, fair. Thank you
There are a series of credit inquiries on my reports that I did not authorize. They began appearing after a credit card was stolen from my mailbox. I 've written letters to the companies listed on my reports and have disputed with all XXXX credit agencies to no avail.
On XX/XX/2019 I applied online for the CitiBusiness Aadvantage Platinum Select Card and was not immediately approved/denied. On XX/XX/2019 I called their decision line XXXX XXXX XXXX and was told my application was pending until I provided additional information to verify my business and my business address. I told the representative that I was just starting my business and I would not have the information they were requesting from me. I told the representative that I was a long time Citi customer and did not understand why I was being asked for additional information especially when no where on the online application I was informed that I would need to provide any other information. I also asked if I could be considered for the consumer version of the Aadvantage Platinum Select card instead without having to run my credit again. The representative advised that was not an option and I would need to apply for that card and my credit would be run again.
First off, thank you for your consideration.

I check my credit score using XXXX XXXX, and in XX/XX/XXXX-XX/XX/XXXX I noticed my credit score was extremely low. This was mainly due to 85 % utilization on a Capital One Credit Card. Unfortunately, I do not and have never had or owned a credit card from Capital One. I contested it, and it was ruled to be my debt ( although they did reduce the effect it had on my credit report, knocked it from 85 % credit utilization to 55 % ), however that is not good enough. I have never had an account with capital one, nor a credit card, and XXXX, XXXX, XXXX will not help me in this matter. Since it is a credit and not a debit card, I assume that whoever owns the account that is under my name is signing for purchases ( or has in the past ). Usually debit requires a pin, while credit requires a signature, so there has to be some proof out there that this isn't me.

I've managed to bring my credit score up 105 points in a year and I continue to pay my bills on time and do what I can to repair my credit. However, this mark on my credit is causing a huge hit and preventing me from getting a revolving credit account which would help further my score and get me where I need to be. I have no knowledge of this Capital One Account and I have never owned a Capital One Card, and I would like this matter investigated if possible and the tarnishing mark removed from my credit. I have reached the end of the dispute process with the three major Bureaus and they deem it my debt, however I do not understand how as I have never used a Capital One Credit Card in my life.

I really need assistance in this matter. Any help offered would be greatly appreciated. Again, I apologize for the reiteration, however I don't believe its fair for me to have to pay off a debt I didn't incur. I feel the agencies didn't due their due diligence when investigating the matter. 

Sincerely, XXXX XXXX
I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a debt.
Transunion is reporting a " unconfirmed '' Chapter XXXX Bankruptcy. 
I changed my mind about the bankruptcy and asked my attorney to cancel. Please see the attached documentation.
I am receiving threatening calls and voicemail 's from the collector, sometimes three or four times a day.
I have Disputed incorrect and illegal reporting of account info, balances and statuson my credit report on my OPEN Bankrupcty case with the creditor XXXX XXXX twice to no avail with XXXX and XXXX on debt that is currently included in my Chapter XXXX XXXX case # XXXX with a file date of XXXX. Both bureaus refuse to remove and debtor is still currently reporting late/missed payments and increasing balance monthly with an Open status which is clearly a violation of the U. S. Bankrupcty Code. DELETE
Barclays Bank Delaware is the provider of XXXX XXXX Mastercard. 
Every time I go to the Barclays Bank of Delaware website the reporting of credit card information is inaccurate. The Credit Line less Current Balance NEVER equals the Available credit. Example today : Website reports : Credit Line = {$500.00}, Current Balance = $ {$320.00}, Available Credit = {$0.00}. Does NOT add up. Never does. 
Previous statement Balance = {$250.00}, Purchases ( posted ) = {$960.00}, payments ( posted ) = {$890.00} leaving balance of {$320.00}. Credit Line of {$500.00} less balance of {$320.00} should equal Available Credit of {$170.00} NOT {$0.00}. Even accounting for " Temporary Authorizations '' of {$16.00} the Available Credit should be {$160.00}. NOWHERE on the website is there an explanation of why Credit Line less Current Balance does not equal Available Credit. Fraudulent and highly unethical.