WillisBack/dataset-financial-user-claim huggingface dataset:
I have been experiencing some financial hardship and contacted my loan servicer who is acting in behalf of XXXX XXXX XXXX bank. I have audio recorded evidence that the servicer has been engaged in " dual tracking '' and also has purposely caused delays since I have requested a modification. I am less than 60 days behind having made a payment recently. I was sent a default notice by the servicer twice. I have contacted the servicer and they say they are looking into what modification programs I might qualify for while at the same time continuing with forclosure procedures. They have violated the CFPB 's rules that require that a minimum of XXXX days delinquent before they can proceed with any type of foreclosure process. They are " dual tracking ''. They are trying to delay the process by saying they have not received all of the paper work. I can prove they have attempted this by the audio recordings I have of the calls I have had with them.
I have a student loan with American Education Services ( I used to have it with XXXX XXXX XXXX [ XXXX ] ). The monthly payments are about {$360.00} a month. I could not afford to make the payments and I have called AES numerous times asking them for a compromise. They do not have any alternative payment plans. The operators have told me that it will be reported to my credit report, but they do n't offer any solutions. The loan is over {$9000.00} delinquent. I ca n't afford to pay the delinquent amount, nor can I afford the monthly payment. 

The last phone call with them, on XXXX XXXX, XXXX, I requested the contact information of the lien holder of my loan. The operator told me they were not allowed to give out the lien holder information. She suggested I send a letter to AES and they would forward it to the lien holder. I mailed a letter on XXXX XXXX, XXXX. In the letter I requested the lien holder to roll over my delinquent balance into the loan balance. I also provided pay stubs as well as an XXXX file of monthly expenses. I requested that they lower my monthly payment to something more affordable. It is now XXXX and I have not heard from the lien holder or AES confirming my correspondence. 

I do not think it is appropriate to with hold information about my loan. I also do not think it is proper business practice to continue to charge delinquent fees when I ca n't even pay the monthly payment. I feel as if I 'm in this deep hole and they are making it grow exponentially. I graduated college during the recession, my first jobs were less than 30k a year and it has not improved with the current economy. Now I have a son and growing debt. I am not asking for the loan to disappear, but I am asking for it to become manageable.
I originally applied for a loan with Movement Mortgage on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan OfficerXXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, Movement Mortgage access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!
I attempted to contact Navient to discuss my student loan at  XXXX . The person answering the phone presented himself to be a representative of my student loan account and proceeded to ask me to give him information to identify myself to him so that he could look up my account information. I answered his questions with my personal information, including my social security number, and then asked him to identify himself to me again. The line went silent for a few seconds and then he began to ask me further questions. I asked him again to identify himself and asked if he was in fact a Navient representative and the line went silent and then he hung up on me. I have been receiving multiple calls from numbers claiming to be  XXXX   XXXX   XXXX   XXXX   XXXX .
Hello CFPB, After applying for a home loan refinance, I discovered that my current HELOC with Citibank Account # XXXX was not being reported correctly to the credit bureaus. Citi reported the loan with a XXXX outstanding balance. This is not the case as the attached statement will attest. Due to this error in credit reporting, my refinance mortgage company can not submit the loan package to underwriting and the loan is currently at a stand still and due to time constraints I am in danger of losing my loan rate lock. To move forward with the loan they requested a letter from Citi stating the following : " To fix your credit here are the items we need in a letter from Citibank : - State that the reported {$0.00} balance is an error - State the current loan balance amount - State that the loan has been paid every month as agreed for the last 12 months - State that there are No Disputes associated with the loan ( if it is still in dispute in their system tell them that you are no longer disputing anything ) - Include the loan number and name of the borrowers '' I contacted Citibank on XXXX/XXXX/2016 and spoke with customer service rep XXXX, explained the situation and requested the letter with the above statements. He opened a support case # XXXX, said it would take XXXX5 business days to receive the letter. 
I called Citi back XXXX and was informed that my case was closed, and that they could not produce any letter and offered no help to resolve the incorrect credit reporting error.
I purchased my vehicle in XXXX. Prestige Financial calls, texts and emails simulteously a week before each payment. I faithfully made all payments on time until XXXX when I became ill and fell back on my payments. Thats when the disrespect and threats began. I was yelled at and accused of being irresponsible. I did make payments, but just not as timely as before. In XXXX and XXXX i asked for my pay off amount, and was informed I owe over {$6000.00}. Unbelievable i said that after 7years, I still owe almost {$7000.00} on a XXXX XXXX XXXX XXXX. Ive questioned and disputed with them several times regarding the balance. This company is padding balances. They have finally threatened to reposess a car Ive paid for twice.
I am writing in regard to XXXX account XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Ohio XXXX. I was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, I subscribed at the lowest price point because my income is well below the poverty level ( just a little over {$12000.00} a year ). A XXXX telemarketer contacted me and thanked me for being a long time subscriber and told me that I was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling me that I would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that I could understand, which resulted in much higher prices, unauthorized charges and a requirement that I maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting me as an elderly person, who XXXX gets confused over the details. All I understood is that I was being rewarded for being a good customer with free services. 
When I saw my next invoice, I saw that my subscription price more than doubled which I did not expect, and could not afford. When I called XXXX about the unauthorized charges, they would not allow me to go back my original plan and told me that I was stuck at the new rate for 2 years. I then told XXXX that I wanted to cancel all services and was told that I would be charged for a verbal 2 year contract. I cancelled my service and returned the required equipment. XXXX 's predatory, and deceptive practices was confusing to me at my age. 
XXXX has since issued collection actions through Diversified Consultants XXXX Agency reference # XXXX XXXX in the amount of {$470.00} which hit my credit rating. I am requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore my credit rating to pre incident levels.
GM Financial has failed to correct erroneous information submitted to XXXX, XXXX and XXXX CRAs. 

The accounts on my credit reports are not reflecting the correct or consistent " purge from '' dates. They have been illegally re-aging this debt. Additionally, they are illegally inflating the amount owed even according to their own internal records.
I disputed items on my credit report that either did not belong to me or were not reporting accurately. I only asked for the items to be removed or updated. I received a response of verified from creditor but NEVER received proof of verification that the items in question were mine or reported accurately. It is by law my right to receive this information or I demand that the following items be removed or updated : XXXX XXXX XXXX - I HAVE NEVER had a payday loan and I DEMAND proof that I applied for and received these monies or remove it from my report. 
XXXX XXXX XXXX - I was a co-signer on the vehicle. I should have been removed. I have demanded a resolution to this matter and it is being ignored.
on XX/XX/XXXX I disputed the account the account with hunter warfield on the grounds that the company has failed to notify me prior to reporting to the beauru. according to the FCRA the reporting agency has a responsibility to have a process to investigate not only the companies response buy mine as well.
There is an issue I have disputed several times with Experian regarding items listed which are past the statute, unverifiable and authorized user accounts only. Experian is the only agency listing this inaccurate data. Nothing is being done or even address or verified. I need help
on X/X/2017 I submitted an online dispute for a Chapter XXXX Bankrupcty Docket XXXX that does not belong to me. On X/X/2017 I received an email that was addressed to a person by the name of XXXX but included my Transunion file # XXXX stating that my dispute had been completed. I called Transunion and spoke with supervisor XXXX XXXX and advised her that someone else 's name appeared on my letter and that my information seemed to be comprised. She stated that the name XXXX that was sent on my letter to my email was incorrect and that the letter did actually belong to me. She advised me that the Bankrupcty that I had disputed had been verified. I asked her for the method of verification and the source of information since there was no way possible that a dispute of this nature could have been thoroughly investigated in 2 days. She advised me that Transunion sends a 3rd party to the Federal Courts to verify information. I asked her for the name of the 3rd party company and also the rep that was sent to verify the information. She said she does not have this information but that the 3rd party received verification directly from the IL Federal Court in XXXX IL. I called the Federal Courts ( XXXX ) and I spoke to XXXX. I asked her if anyone from the credit bureau or one of their 3rd party representatives had come in or called to verify a bankruptcy and she stated that the Federal Courts DOES NOT supply or verify information to the credit bureaus or any of their 3rd party affiliates. She said the credit bureau did not receive any such verification. Transunion has not thoroughly investigated my dispute and has lied about the method and source of verification. Pursuant to the FCRA this item must be deleted from the credit report as a thorough investigation has not been completed.
609 Letters were sent to each Credit Bureau concerning third Party accounts ( Diversified Consultants , Inc. and   XXXX   XXXX   XXXX   ) that I have no account or contract with for removal of unlawful open/negative accounts.
I have been working with Navient for 4 months and told them I would pay my remaining 4 month balance off. I just sent them XXXX and not remaining balance is XXXX. They have confirmed agreement and stated I would be ok to pay it off once I received my check at the end of XXXX. 

They lied and sounds like a XXXX issue as they are deceptive and report credit even when they promise they wont. 

What resolution do I want : I have the XXXX to pay them off now! I will pay it as soon as they take the mark off my credit report. 

I am amazed they are allowed to get away with these practices.
CheckSmart is trying to locate my nephew. They have me listed as a contact. I told them to stop calling me. They said they would take me off the list, but they still are calling me.
Portfolio Recovery Associates has reported a debt that does not belong me. The debt was allegedly open on XX/XX/2016 for XXXX XXXX XXXX XXXX for XXXX. I 've never owned a XXXX XXXX card furthermore, I 've requested them to validate or remove this debt by certified mail initially in XX/XX/XXXX, and then again in XX/XX/XXXX. As of today they 've failed to do either.
After Checking my Credit Report recently I noticed an owed amount of {$670.00} to the California Business Bureau, INC. collection agency. I called them and paid the amount in full. ( 1 ) it is still on my credit report. ( 2 ) I just received a new bill from them for an additional {$3400.00} - my credit report has no record of this debt / I feel they are making up a phantom charge.
XXXX  is not open it is closed so this information is wrong please delete from my credit report
We have received 48 documented phone calls from a company called XXXX XXXX XXXX over the course of the last three weeks. We have attempted to get a fax number or mailing address to send a cease communication letter. At which time they simply hang up on us and will not give the information. They have also called family members 12 times leaving a number to return their call. The number they are calling from is XXXX and XXXX. A google search of the company name or number finds nothing listed other than harassing phones calls. Can you help get this stopped.
I have been unfairly assessed a " monthly maintenance fee '' for over six months on my checking account with bank of america.

I opened my account with bank of america over 15 years ago where I was not assessed monthly fees. At some point, approximately 2 years ago, i started seeing maintenance fees on my account. I called Bank of America and asked how I could prevent being charged the fee. They said that if I used my account only " online '' or through ATMs, I would not be charged a fee. I have typically been conducting my banking in this manner this that time. However, last year I started seeing new monthly fees again even though my banking was still exclusively conducted through the " online '' and ATM channels. I believe Bank of America misrepresented account terms by charging me these fees.
I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with Ocwen Loan Services ; we recently received communication from XXXX that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both Ocwen and another agent that had purchased the account, XXXX XXXX XXXX.
Greetings I have recently bought a few crypto currency through a app called coinbase. I extremely frustrated, and have contacted the customer support service multiple times. They locked my account because I made a mistake when creating a profile. I put my date of birth as 2017 by mistake and my account has been locked for over a month now. I called the coinbase customer line and it takes almost an hour each time to get a help desk analyst. They always tell me the same exact thing that a ticket has been creating and were working on it. I am extremely frustrated, and have not been able to make investments or get my money since they locked my account. I need your help, and would appreciate it.
Designed Receivable Solutions continues to raise the collection on my account by {$1.00} each month to purposefully drop my credit score. They also continue to place harassing calls concerning this debt.
I did a balance transfer from this credit card company ( Capital One ) on XX/XX/XXXX and the balance is still showing as of todayXX/XX/XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.
Others frauded my documents and to pull naming scams using XXXX herds of IDs and XXXX business permits and XXXX internet off my credit file and birth certificate Other pulled like frauding scams my credit files for XXXX plurized fraud scams fraud scams frauding my documents Others frauded my documents as mailing address Others frauded my documents as politican Others frauded my documents as police and sherrifs in many states Others frauded my documents as XXXX XXXX XXXX Other frauded my documents as bedroom products
I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XXXX/XXXX/XXXX ( XXXX XXXX XXXX, XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX, XXXX/XXXX/XXXX - XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX - XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX - XXXX/XXXX/XXXX, XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX - XXXX/XXXX/XXXX, XXXX - XXXX/XXXX/XXXX XXXX XXXX Opened XXXX XXXX, XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )
TRANSUNION refuses to investigate without a recent letter from creditor.I have included attatched here XXXX bank 's letter of XX/XX/XXXX2016.I have also attached the most recent Transunion report ( not yet expired ) showing TRANSUNIONS erroneous reporting on XXXX Bank ACCOUNT XXXX. 
the payment history is incorrect, the letter shows the correct dofdXXXX, c/o which should be on the account reporting.Transunion must report an accurate dofd which they are not.ACCORDING TO FCRA LAW ATTATCHED TRANSUNION VIOLATES. 
THEY REFUSE TO INVESTIGATE, THEY MUST HAVE A DOFD, THE PAYMENT HISTORY IS MISLEADING, INCORRECT.THE AMOUNT OF LAST PAYMENT IS NOT XXXX BUT XXXX DOLLARS.
In XX/XX/2018, I applied for and was granted a credit card account with Capital One with a XXXX dollar balance. No issues, no problems. The card came in the mail. I created the online account, and set up automatic payments from my bank account. I called to activate the card that arrived per instructions. Capital One required information when activating the card. They asked for cell phone number, which I did not have or provide. They asked to upload a copy of my license. I did that multiple times, as each time they claimed that the picture was not discernible. Each time I took a new picture and uploaded it. It was as clear as day. Each time, Capital One had a different excuse as to what was not 'legible ', finishing with the file must have been altered when I uploaded it. It was clear that is was one lie after another. I spoke to multiple people, some claiming to be supervisors. I spend hours on the phone over the course of weeks. After wasting so much time trying activate a card, I ultimately decided to cancel the account. Capital One refused. They have access to my personal information, banking information and have run credit checks, but would not allow the card that they provided to be activated. They would provide no actual reason why. They refused to delete my personal and financial data. During the course of the conversation, Captial One said that I was not allowed to record the phone conversations, even though they state that they record the phone conversation. This should be a dead give away that they are up to something not above board. Do not apply for a card with Capital One. Clearly, they are after personal and financial data.
XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent XXXX letters, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.
I am writing about American Express Business Platinum card. I called Amex on this number XXXX to asked for a retention offer on XX/XX/2018. After looking into my three-year account history, the representative offered me two retention offer. One is getting XXXX Amex rewards points without spending requirement and another is a higher offer with spending requirement. When I asked him to repeat the offers again so that I can write them down to consider, the offer became getting XXXX Amex rewards points without spending requirement. I pointed it out that my offer was XXXX amex points 5 seconds ago. He simply said he read it wrong at the first time. The best he can offer is XXXX amex points without spending requirement. I asked to speak to a manager. He said he is the manager and this is the best retention I can get. I asked to speak to another manager. He insisted there are no other managers around at that time ( it was around XXXX XXXX EST ). I  ended up believing what he told me. Reflecting on our conversion, I am very uncomfortable, dissatisfied and angry with the customer service I received. Obviously, he was lying to me and took advantage of me.