WillisBack/dataset-financial-user-claim huggingface dataset:
My name is   XXXX   XXXX   and  All this st arted with the nationwide cre dit Inc. I owe  them a total of {$110.00} a month I called on the third and told them that it was going to come back as insufficient funds because I did n't have it this month I Live off my  XXXX  well they did n't inform me that if it was insufficient funds they were going to try again the same month and the first attempts to collect the debt my bank told me that because it was insufficient funds they would take {$30.00} out As a fee what on the seventh they took it out again an d 30 more  dollars was taken out and now I 'm overdrawn {$110.00} because things that should 've gone through could n't go through because they tried to collect second time I called them and explained this to them after I realize the se cond 30 was ta ken out because they could n't get their money and they were quite rude and told me that it was my banks fault I could n't get my money back and that it 's common knowledge that they tak e it out two time s which they never told me that so now they 're making it sound like they do n't want to give me the money they owe me I 've called several times now and every time I talk to somebody at the nationwide credit I get a different answer and they keep telling me that we ca n't give you a timeframe as to when this all be resolved we have no idea it 's just been a lot of headache and they should 've just warned me when I started up the debt collections the first time hey if you do n't have it we 're gon na try again and they never mentioned that they only mentioned it after I said to them how come you took it out a second time this month then they were like oh yeah about that you should just know tha t debt collectors  are going to take it out twice which I was told by another debt collector is n't true he said once it goes insufficient they should 've had the courtesy to call me and tell me hey I did n't get your money and set something else up not just try again which is what I got but they 're pretty rude over at that nationwide credit I really am not thrilled with the service I am getting at all I just want this to be resolved because I was {$110.00} overdrawn and I ca n't afford it and it 's just frustrating that they do n't want to even take the time t o fix it.  XXXX  (  XXXX  )  XXXX  That 's their office number if you want to get a hold of them good luck  I hope this  can be resolved because this is very very frustrating signed a very frustrated  XXXX   XXXX
This complaint is against Caliber Home Loans. They bought our home mortgage loan from XXXX effective XX/XX/XXXX with Caliber assuming service on the loan on XX/XX/XXXX. We had lengthy difficulties with XXXX. These difficulties seem to have been transferred to Caliber. Caliber has been unable to sort things out and communicate with us on a timely basis. The specific points of contention are:1. XXXX told Caliber that they paid our homeowner 's insurance because they say we let our homeowner 's insurance lapse. This was totally false and we provided documentation from XXXX showing that our homeowner 's insurance never lapsed and was up to date. Those documents were also faxed to Caliber on XXXX XXXX, 2015. 

2. XXXX informed Caliber that they paid our property taxes for XX/XX/XXXX. This is totally false and we provided receipts showing that we paid it. Those documents were also faxed to Caliber on XX/XX/XXXX. 

3. Caliber started calling us in XX/XX/XXXX telling us we owed them either {$8000.00} or {$10000.00}. This was a combination of the homeowner 's insurance, property taxes and they said we were behind in payments per the information they received from XXXX. We faxed them documents on XX/XX/XXXX that included letters from lawyers at XXXX ( XXXX in XX/XX/XXXX and XXXX in XXXX ) that stated that we were current and up to date with all payments. We also faxed cancelled checks for all mortgage payments for XX/XX/XXXX demonstrating that we were actually ahead of our schedule of payments. 

4. We sent with the documentation on XXXX a letter of complaint asking for the matter to be resolved after speaking with a manager named XXXX in the Caliber complaint department. They also indicated that while it was being investigated they would cease their harassing phone calls. 

5. They said they would respond within 30 days. On XXXX XXXX having not heard from them we called customer service. At first they were unable to find any record of our complaint or the XXXX pages of documentation that we faxed in. When they did find the information they were unable to connect us with their complaint department. We requested a response from them by phone by Wednesday, XX/XX/XXXX. They have not responded. 

We are asking that they update their records to show that no taxes were paid by XXXX or Caliber, no property taxes were paid by XXXX or Caliber. Any money applied to " pay '' for these taxes be applied toward the principal of the mortgage in addition any interest is to be adjusted. Any late fees must also be removed from our account and interest adjusted. We have had extreme difficulty getting records concerning our account from Caliber and what we did receive was very confusing because the information they have from XXXX is very confusing.
O n  XX/XX/XXXX , o ur daughter had a   XXXX   XXXX   XXXX   XXXX   XXXX  . We used  XXXX  to try and remove it at home. After a while, the indention was still there, so we decided to take her to  XXXX   XXXX   XXXX . When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .  We told the hospital that under the lighting, we could tell that the   XXXX   was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collec tor, ARS, on  XX/XX/XXXX  and  explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt.
XXXX My sons and I became stalked, harassed and illegally monitored by corrupt cops/XXXX XXXX XXXX and my felon ex husband XXXX XXXX also reported to FTC. 
My children were taken illegally. I was unlawfully detained ( they had no proof ) money was stolen from me. I was approved for a loan modification X/2016 at an unusually high rate by Ditech bank then they foreclosed on me with fraudulent statements and documentation ( lied ) using a real estate law firm in LA XXXX. This is now going to be part of the FBI case that is open of terrorism by these corrupt individuals. I have a claim/case open of fraud into the DAs office and home insurance. My move out date was X/X/2017. This should have never occurred and it stops at every level right now. 
I expect every corrupt participant to be charged and incarcerated for this crime, their businesses shut down permanently, my children returned to me safely immediately and full financial restitution and recovery for this immediately. Gods truth only. I want this completed right now-
Hello to whom it may concern, Under the new law effective XX/XX/XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time experian XXXX nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
I HAD PREVIOUSLY FILED DISPUTES WITH PAYPAL XX/XX/XXXX AND ALSO FILED MY DEBIT CARD LOST AND THAT SOMEONE HAD BEEN USING MY PAYPAL ACCOUNT SINCE I NOTICED ACTIVY ON MY ACCOUNT LIKE AN INVOICE THAT I DID NOT ISSUE. I THEN STOPPED USING THAT PAYPAL ACCOUNT SINCE I DID N'T FEEL SAFE USING THAT ACCOUNT. LAST WEEK I GET A NOTIFICATION FROM PAYPAL STATING THAT MY OTHER ACCOUNT WAS BLOCKED. WHEN I CALLED PAYPAL AND SPENT OVER 3 HOURS ON THE PHONE AND NOT ONLY KEPT BEING TRANSFERRED FROM DEPT TO DEPT ... THEY NOT ONLY LIED TO ME BY TELLING ME THOSE CHARGES WERE DISPUTED AND THEY CAME BACK NOT TO MY FAVOR, WHEN I ASKED TO GET TRANSFERRED TO THE DEBIT CARD DEPT THEY REFUSED TO AND EVENTUALLY PRETENDED TO TRANSFER AND THEN HUNG UP ON ME. BUT WHEN I GOT THROUGH THE DEBIT CARD DEPT THEY TOLD ME THAT THOSE CHARGES WERE NEVER DISPUTED NOW THAT I WAS ABLE TO DISPUTE THE CHARGES THEY DECLINE THEM BASED ON THAT ITS 3 MONTHS LATER AND THAT MY PIN WAS USED. I ORIGINALLY HAD CALLED RIGHT WHEN IT HAPPENED TO REPORT THE CHARGES AND TO REPORT THAT MY ACCOUNT WAS BEING USED BY SOMEONE ELSE. THEY DID NOTHING TO PROTECT MY ACCOUNT BUT CONTINUE TO LET SOMEONE ELSE USE MY ACCOUNT. NOW THEY ARE DEMANDING FOR ME TO PAY CLOSE TO XXXX IN CHARGES THAT I DISPUTED, ALL BECAUSE THEIR TEAM DID NOT DO WHAT THEY WERE ASKED TO DO BY ME WHEN IT HAPPENED
Multiple attempts to restructure, forbear or otherwise decrease the loan and payments. My loans date back to XXXX, when I borrowed a total of {$25000.00} dollars. When the housing bubble and then the teck bubble burst, my husband lost work. Many time I had to go into forbearance. I only earned about $ 16/hour but was never offered any other option. In XX/XX/XXXX I begged for any options to help with the loan. I was told they could check on forbearance. It was denied on XXXX stating that I had, " already used the maximum time allowed for a forbearance. '' Since then I have struggled to make payment, knowing that I had no other options. Now I lean that I had many options. My average income, using line XXXX form my tax forms, was {$28000.00} which places me into or near the 150 % of poverty level mark. Despite this I have never been offered, nor when I asked was I informed, about payment options other than forbearance. In light of the recent litigation against Navient, I believe that I am one of the people who has been harmed by their practices.
Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 
On XXXX XXXX, 2015 XXXX reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Experian to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Experian with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, TX and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. 

Thank you and Happy Holidays. 
XXXX XXXX XXXX
Hello - I opened an account with BBVA Compass bank on XX/XX/XXXX under a bonus offer to receive a bonus of {$200.00} in exchange for doing at least {$300.00} in direct deposit, which i fulfilled two separate times on XX/XX/XXXX and on XX/XX/XXXX - i was told that i would receive the bonus within 60 days of meeting the bonus requirements. I did not receive any promotional bonus as of this writing, and after submitting my case to BBVA compass several times via secure message, they have told me twice that it was under internal review, only to not respond any further - once on XX/XX/XXXX ( representative XXXX ) and then again on XX/XX/XXXX from representative XXXX - both promised a 24-48 hour response with no avail. I am very unhappy that this process has been so difficult and that BBVA Compass has been so poor at responding to my requests. 

XXXX
I recently refinance my car though my credit union ( XXXX XXXX XXXX XXXX ).  My previous creditor was XXXX XXXX. XXXX XXXX gave me a payoff amount of {$24000.00}. XXXX XXXX XXXX XXXX cut me a check dated XX/XX/XXXX. The check was mailed to XXXX the same day. It took XXXX weeks to locate my payment stating since they hadnt received my payment within the 10 pay off balance, I owe an addition {$85.00} ( interest fees ). I complained about that because my check clearly states the check date and the check date is well within the 10 payoff. My car has been paid off in Total with XXXX XXXX since XX/XX/XXXX and they have not updated my payment status since XX/XX/XXXX. Since XXXX has not updated my credit since XX/XX/XXXX it appears as if I have 2 car loan with 2 different companies. This is affecting my credit severely by increasing my debt and lowering my credit score. I have since contacted XXXX a few times asking why my credit has not been updated. They stated they have been having issues with their system and my credit will be updated by the end of XX/XX/XXXX. It is now XX/XX/XXXX and my credit has still not been updated. Now, if I was late on my car note payments they would have no issue with reporting this to all 3 of the credit bureaus. Im attaching my proof of payment and I want my credit update immediately.
I got a new Bank of America credit card. I went into my Bank of America on-line bill pay and paid the complete balance by the due date. On the next billing cycle of my credit card, the statement says I never paid and it charged me late fees and interest. I went back into the online bill pay and it says Bank of America cancelled the payment to pay off the credit card. I talked by phone to a Bank of America rep and he just had no idea about what happened and told me to just pay off the balance including the late fees and interest.
I have repeatedly disputed public record listed on my credit report for a state lien from the state of Georgia. I have requested information on the source in which the credit reporting agency received this information and have yet to receive it. I have contacted my local clerof of superior court and they do not have a record of this information. I have also contacted the Georgia dept of revenue and they also have no record.
I opened a Lord and Taylor account on XXXX XXXX, 2015. I made an initial purchase in store, and was supposed to receive my card in the mail. Two months went by, and I realized that I never received the card. I called the Capital One/Lord and Taylor credit company and made a payment on the account, which I was assured was the full payment. They would not tell me my account information over the phone, and assured me that I would receive a card in the mail. Once again, this was never received, but since I had paid my account off in full, I figured that it did not matter. I just received my credit report, and it appears this account is over 180 days past due since I made my payment, and I still have not received any information about the account such as the card number or account number. In speaking with a representative over the phone, they told me that there was nothing they could do about it.
Account number :  XXXX  The  company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees.Not only that they have been constantly harassing me with phone calls and letters, they also reached out to my friends on countless occasions. Even to the point that I lost my job and I was borrowing money from people to keep up with their payments. I have tried several times to try and work some kind of reasonable payment agreements with them but they are  XXXX  bent on extorting me to dryness. I do n't know what else to do but to go through this medium because it seems like the loan keeps increasing instead of reducing. I am tired of living in debt to fulfill their outrageous monthly obligations.
The Student loan company called Navient is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.
My ontime payment went through an inactive checking account on XX/XX/XXXX for my XXXX XXXX that I lease from XXXX XXXX XXXX due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX   XXXX and they denied it all times!
I have a capital one account, I have received a deposit for selling my car over 5 months ago and bank hold my funds said, if there is no charge back they will close my account and send my money, I still didnt receive my check neither they closed my account. I talked to them and they told me in 3 months we will send it but nobody sends anything everytime I call they ignore it
Portfolio Recovery refused to send documentation of original debt : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX )
I never opened a chace credit card in XX/XX/XXXX I 'm assuming someone else did with my information had a purse stolen back in XX/XX/XXXX from a bar ... This person stole everything I had in my purse from checks to my cellphone and all sorts of information ... just noticed the date on this knowing it was somthing I never did did n't have credit card at that time ... so idk what to do because it was n't me who applied or got a card at that time!!
Nearly seven years ago I received a collection letter from speedy cash. I paid this loan in full and never received the credit. To this day it remains on my credit as a collection / default and provents me from leading a normal life when it comes to banking. After several civil requests for proof that the debt is still outstanding I was told that they are not required to provide proof and only want the debt paid again plus penalties before they consider removing. The amount I paid was the loan amount plus nearly XXXX percent interest and now they want another XXXX percent?
I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XXXX OF THIS YEAR .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX
OnXX/XX/XXXX I worked with a rep. from Chase re. inaccuracies on credit card ending in XXXX.
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Chase reported that I was 'past due 90 days ' in XXXX, XXXX, and XX/XX/XXXX, according to an XXXX credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''
I Disputed an item on my Transunion credit report through XXXX XXXX onXX/XX/XXXX. The Item is For " XXXX XXXX XXXX XXXX  '' in the amount of {$7000.00}. This account has incorrect balances and the date is showing incorrect on my report. The estimated completion of this dispute was XX/XX/XXXX. It is now XX/XX/XXXX and the status of the dispute is still showing " investigating '' I have called Transunion 3 times starting XX/XX/XXXX and they have told me that the investigation was completed on XX/XX/XXXX but I have yet to see proof. Transunion stated that they sent out an email and verified the email that was on file but I still have yet to receive one. The XXXX XXXX website is still not updated.