WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted this company first on  XXXX   XXXX  and was informed that they ca n't mail reports and they can only email them within  15 to  21 days from the date. I contacted them again late  XXXX  to be informed that they emailed it to me late  XXXX  and I should have received it. I am confident that no report was sent. They claimed again that they will investigate and email another report within  3 wee ks.I informed them that based on other customers complainants who after months could n't get a clear answer or a report from them to mail it and if I can get a reference number ... they declined and provided this number ID  XXXX  stating that this is the only way to look up my file. Again today late  XXXX  ... still have n't received anything from them. Called and informed them to mail it to me, to my surprise ... they stated that a supervisor will call me back ... still waiting on the report. This company is fraudulent
I submitted an application for a loan modification in XXXX XXXX. I sent all the documents required. Since that time I have been contacted numerous times asking me for the same documents I sent before. It is now XXXX XXXX, XXXX and I am still going back & forth with this mortgage company. Even the agents have admitted that they have the items that the underwriters misplace them. I am at my wit end fed up with this and want something done immediately. I 've faxed, email and mailed the required documents 4 times to no avail. The agents are not knowledgeable and no one seems to want to assist me. When I ask them to look for the documents they find them. However the following week I get a call asking me for the same thing over and over again.
Have a debt with Transworld System Inc. that i had paid off. They stated that due to the item being a medical collection that it would be removed from my credit after being paid in full! While they did place a {$0.00} balance on the report they did not delete as promised!
When I kept on asking for validation of this debt they told me at first they could n't provide it. Finally a " supervisor " emailed some of my bill, the letter they sent hasXXXX The orginial debt is XXXX I want to even negotiate.
On XX/XX/XXXX a fraudulent collection account Ive never heard of was placed on my Transunion credit report causing a 58 point loss. I disputed this account with Transunion as well as filed a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX the account was removed from my credit report. On XX/XX/XXXX the exact same account was reinserted on my Transunion credit report resulting in a 58 point loss to my credit score. I never received notification by law from Transunion that they were reinserting this fraudulent account. Now my score has suffered further. They are required by law to notify within five days but I NEVER received notification. This is causing me distress all over again.
I submitted a dispute to TransUnion on XX/XX/XXXX for two companys the debt has been closed and settled for {$230.00} on one account the other is for auto it was closed and transferred to another collecting party. TransUnion did not validate the information i called on XX/XX/XXXX spoke to XXXX XXXX and her supervisor XXXX XXXX they stated they are in XXXX, they stated they did not receive proof from the companys during the dispute only that it is still on my credit report as owing from their electronic systems they use to communicate with companies. XXXX the supervisor stated i have to call the companys directly to dispute the matter i tried to explain to him disputes go directly to the credit bureau and since they did not validate my debt correctly and it has been way more than 30 days they have to remove it from my report by law. He stated no because they finished the dispute on XX/XX/XXXX and only received a verbal the debt is owed. I asked XXXX how they sent the response to me when the dispute was finished she stated by email i asked her what email it was sent to she could not provide it and asked me do i even check my email because it should be in there i once again asked her what email she could not provide the information. I asked her when the dispute was finished She stated the dispute was finished on XX/XX/XXXX then later said she said the XX/XX/XXXX. TransUnion employees are not following the law by correctly validating a persons dispute/debt they are only receiving verbal confrimations from companies both employees confirmed that during the conversation.
I have had my Navient student loan for approx 7 yrs. I have had a payment due of average XXXX a month, this has been this amount for years. I received my monthly bill and it was XXXX for XXXX. I called to find out why and was informed that it was actually supposed to be XXXX a month and as of XXXX it would be that amount. I have NOT received any kind of notice of the increase. I spoke to a supervisor who told me the same thing. She was willing to reduce it to XXXX a month. I have always paid my account, in fact I have made extra payments when I can. How can they increase the amount due without any kind of notice? I keep all of my statements, every single one of them. There is NO notice of an increase. I was told that this was their policy. She also told me that she can now mail the policy to me. I want to know where this policy is and why the consumer is not notified prior to the change. In today 's day most of the population are on a budget, I am on a budget, to receive a bill that is more than expected is hard. But to find out that it was going to more than double is ridiculous. I can not pay that amount, I have to keep a roof over my head and my childs. Yes I work but I also live paycheck to paycheck.
Today, XX/XX/XXXX, I received a response from Bank of America Home Loans indicating that the letter I sent them last week should be going to Bank of America N.A.

The letter in question was sent to Bank of America N.A. 's attorney on XX/XX/XXXX ( via certified mail and returned receipt ) and I have yet to receive a response.
I 've been contacted multiple times from Pinnacle credit in regards to a credit card that was opened in my name from identity theft. This debt was owed to XXXX XXXX XXXX and XXXX cancelled the debt once they contacted me about it and I provided them the copy of the police report showing the identity theft. Now, 10 years later, Pinnacle contacted me multiple times and attempted to coerce me into paying it, stated that they would accept partial payment and asked me to verify that the debt was mine. Multiple times I advised them that I do not owe the debt, that it was due to identity theft and had been written off. I even sent them a copy of the police report to show that and they continued to contact me. Finally they contacted my wife by phone and told me and my wife both that if we did not pay it that they would be taking legal action against me. Again, this debt is 10 years old, outside of the statute of limitations and was already written off as identity theft. I asked them what legal action they were talking about and they stated that they could sue me at any time unless I agreed to a payment plan with them. I advised them again that I would not communicate with them any further and that if they continued to contact me again that I would be filing every complaint possible against them including to the FTC and state authorities. Now I have received in the mail a XXXX cancellation of debt form stating that Pinnacle has discharged the debt for the amount of {$7500.00} and that I am responsible for paying taxes on that amount. This is in line with the FTC complaint referenced here : XXXXs
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and XXXX
My wife and I are separating and we want to remove my name off her vehicle lease with Ally Financial ; however, Ally wants to impose a {$590.00} fee to do so, albeit this fee or disclosure is not in writing anywhere in the contract. I mentioned this to customer support at Ally and they stated, " yes, it is not in the contract you signed. '' Since this is not in the contract that both parties agreed to, this is clearly a non-enforceable policy. I find this a breach of their own contract and an illegal attempt to collect money. My ex-wife can qualify on her own and does not need me as a guarantor. The lessee will remain the same with the removal of my name. No one is being added to the lease. I do not see how they can impose this fee.
THIS IS NOT A DUPLICATE COMPLAINT!! THE LAST TIME I FILED THIS COMPLAINT, IT WAS MARKED AS DUPLICATE AND THESE ARE XXXX SEPERATE COMPLAINTS AND CONTAIN XXXX DIFFERENT ACCOUNT NUMBERS. Midland Credit Management is reporting late payments of 180 days plus during the months of XXXX, XXXX, XXXX, and XXXX. Midland Credit Managment is a 3rd party collection agency and they are not allowed to report late payments to any of the credit bureaus, however, it seems as though they are getting away with it by reporting to XXXX and XXXX only that an account with them is 180 days late. I 've tried on numerous occassions to get this fixed and have been unsuccessful. I 've requested statements and/or a contract bearing my signature and they 've yet to respond with anything I 've requested. Instead they continue to send the same responses over and over as well as setlement offers and I 'm not paying for something if I do n't know where it came from.
I have a mortgage which was originally with XXXX. I 've been working with them since XXXX XXXX to complete a deed in lieu process, which was recently approved with a {$6400.00} incentive due to me. I was advised by the representative at XXXX that they would draft the final papers for me to sign and the new servicing company would take it from there. The servicing of the loan was sold to Bayview Loan Servicing , LLC on XXXX/XXXX/XXXX. Given the urgency, I have been following up regularly with my representative at Bayview, to no avail. It seems as if they are purposely delaying the process by not returning my calls in a timely manner or following up with the necessary parties to complete this deed in lieu, which has already been approved. The house has already been taken over by XXXX, yet I continue being billed for water, etc. Time is of the essence and I 'm being put in a stressful position, because of the risk of foreclosure. I need someone to help intercede, given the sensitive and urgent nature of this matter.
Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX- account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX- not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract
I have repeatedly contacted XXXX XXXX and asked them to send me proof that XXXX accounts belong to me. They are XXXX duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to XXXX XXXX. I informed them about this, yet they refuse to remove the accounts. I contacted Equifax about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.
Since the beginning of 2018 I have been trying to contact XXXX to have my account credentials reset. It appears they have updated their systems and my account credentials no longer work. I simply just want to get access to my statements online, however after 3 months of calling and emailing, they are still unable to action this simple request to provide me access to the information on my loan accounts.
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX   XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX   XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.
No such medical debt is owed for {$690.00} this is a mistake I tried to dispute with no outcome
my husband got temporarily laid off work on XXXX XXXX. I contacted wells fargo my mortgage lender on XXXX XXXX regarding help with our loan. I explained our situation and started working with a home preservation specialist. I was under the impression that I would be applying for a forbearance or loan modification. I done everything they asked in a timely manner and 30 days later was denied due to lake of income which was calculated incorrectly. I contacted my specialist and was told to file appeal and resubmit income, which I did. I called back a few days later to make sure they got everything and they said they had and it would be 7-10 days for a decision. called back 10 days later when I had not heard from them and they said nothing that I had sent in had been submitted to underwriting but they would send it in today and it would be 7-10 more days for a decision. 20 days later and several phone calls to them checking on the status they denied me again. I called my specialist again and he said denial was due to lack of income because they could n't use my husband as a source of income cause he was a non borrower on the loan. They knew this from day one and still drug it out for over 60 days. So I asked about the forbearance why I did n't qualify for that when I would be going back to work and so would my husband in XX/XX/XXXX and would be back on our feet soon. Also we 've had the FHA loan for 5 years, never fell in default or asked for any kind of help and was current on payments when i first contacted them for help. He told me he never submitted a application for a forbearance which i thought this whole time he had, and he would TRY to get the ball rolling on that. So 65 days later and 2 weeks away from 90 days behind on loan and foreclosure I 'm no further now than what i was on day 1. I feel that they are dragging this out till it 's too late for them t help me. I have XXXX XXXX children and this is the only home they 've ever know, please help me save it!
My wife has a shopping addiction. She has run up credit cards in my name. Ones that I did n't know I had. The worst is capital one. I took {$10000.00} dollars out of my 401 so I could settle that dept. then I find another for {$5000.00}. They stop credit on that card but still send us applications for new cards. I feel they target people like my wife and it reall XXXX Sincerely XXXX XXXX XXXX
On or aboutXX/XX/2017 a field agent for Conns Home Plus store at XXXX XXXX NCXXXX XXXX came to my residence in a white box truck. Asked people outside my home did I reside here and was I at home. They proceeded to tell the gentleman I was at the hospital and the gentleman left 1 sheet of paper with one of the people that was standing outside my residence. Upon my return I was given the paper which appears to be a print out from Conns Home Plus system which included ALL my vital account information on it. This is/was a direct violation of the FDCPA and third party disclosure
Target card services has a probate claim against XXXX XXXX XXXX. I have asked numerous times for copies of sales receipts and payments to valadate this claim over a 2 years. These charges were made by a care giver without permission and they were unauthorized. I have had no response after sending a letters which explained the situation in XXXX XXXX. I heard nothing back until XXXX, TARGETS 3rd party for deceased processing was going to request Target withdrawal the claim for lack of any response. I week later, XXXX XXXX, I received a call from a fraud representive named XXXX. I again requested sales receipts, explaining that my mother did not make these charges. She asked me to get a police report, which I did. XXXX agreed the charges seemed to be strutured under the amount for sign sales receipts. Though she did not tell me what the amount was. Then she sent me a letter declining the claim without calling me asking if I had additional information or showing me a signed sales receipt or copy of a payment with XXXX signature. 
I sent additional evidence by fax on XXXX XXXX, XXXX. XXXX never sent any corespondence saying she received it or reviewed the evidrnce. I called last week to complain and again asked for proof she made each of these purchases or any of purchase from XXXX through XXXX. I just received another letter that says the same thing.
I have asked this company several times to stop calling me at my place of employment. My office manager has explained that we can't have personal calls at work but they still call. Today at XXXX XXXX I told XXXX with XXXX XXXX  once again to stop calling. 

XXXX the manager has threatened to come to my place of employment. This companies collection practices are illegal. They are heartless and cruel. 

Even though I speak to them they still call my references. They are trying to embarrass me during this rough patch in my life.
Because of relocation, I have to leave college for a couple of months, so I contacted my Lender Great Lakes to inform them about the situation. Since, I experience a dramatic reduction on my income, I express my interest about the Income Driven payment plan. At first, the representative mentioned several disadvantages about the program and implied that the income driven plans was not a good option. However, I made up my mind before I called them, so I reinstate my choice with the representative. He asked me some couple questions about my income and current employer and asked me to filled up and application, which have to include my last pay stub and Great Lakes application. I filled out the whole application and attach my most recent pay stub. Then, 15 days latter I got an email requesting a pay stub with my gross income, name, and social security as well. It is not company in the US that is going to reveal the entire social security number on a pay stub. Yet, it is a liability to reveal such a important information on a document, which is only for tax and verification purposes. At this time, I can not afford the regular payments, but Great Lakes do n't understand how the real world works. It seems like their main goal is to push borrowers into loan default. I called them already several times in order to resolve the situation. However, representatives over the phone do n't have any clue about a possible solution, nor it impossible to have a loan specialist called back.Indeed, these are illegal practices towards students.
Sun Loan company representative kept coming to my house to attempt to collect on a loan that I had informed him I could not pay back. This company kept coming to my apartment and kept calling all my references after I had informed him I was not working. He would have individuals come to my house and not leave until I agreed to talk with a representative over the phone who would call me at the same time the loan was due to be paid. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Hours : Closed Opens XXXX Mon Phone : ( XXXX ) XXXX They have collection tactics that are illegal and I had no idea I could report these type of communication tactics. Please assist me in getting proper compensation for the abuse and harassment that I have been through with this company they have all information on my loan and they should have all the details recorded in their system. I was working at XXXX  when they came to my place of employment and started to present me in false light to the company I used to work for at that time. Please assist me. Thank You.