WillisBack/dataset-financial-user-claim huggingface dataset:
I Have disputed a fraudulent account which went into collections with Trans union over XXXX times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that i faxed to them. I have letters from both the collection agency : XXXX XXXX XXXX and the original creditor XXXX. XXXX XXXX has also submitted a XXXX and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with trans union. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.
I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and XXXX XXXX XXXX XXXX have ignored my request for proof of my authorization.
I have a previous complaint that is still in progress. I finally got a hold of the mortgage company Carrington Mortgage and found out what I needed to complete the loan modification. I waited for weeks and even tried numerous times to reach the company. Each time I was made to wait long periods of time. I am presently in a XXXX education program and I student teach so I can not afford to wait on the phone all day. When given the option to have a callback, I selected yes but no one calls back that day. I waited for more than a week until someone called. Unfortunately, I was in the middle of XXXX. Finally today I got a hold of someone. They told me that all my paperwork was in but that I missed the deadline. Not once was I told about a deadline. Even if there was, I think that it is very unfair not to be give the information I need to complete the file. Then I am penalized for being late due to the company not answering my call or even calling me back. This is ridiculous and is not professional in my opinion. I need this situation escalated.
This is an urgent complaint against Ally Bank. I had an IRA ( traditional retirement account ) certificate of deposit ( CD ) with Ally Bank. It came due last month. Ally Bank has confirmed that it closed my IRA-CD on its maturity date last month per routine and correct prodedures. But Ally has not -- and will not -- return my IRA money to me. I have contacted Ally Bank customer service many times, spoken to many people. They can provide me with no evidence that a check was sent to me. They stall, give excuses, refer me to other people in customer service who do n't know how to resolve this. I AM REQUIRED BY IRS to rollover these funds into another traditional IRA asap. Otherwise, I will face tax consequences -- IRS will consider this a distribution instead of a rollover and make me pay income taxes. I have signed forms at Ally Bank saying that this is a ROLLOVER. No one at Ally Bank seems to understand the urgency of this situation. I have requested repeatedly to speak with the expedite dept, the loss prevention dept, the fraud department, the corporate office, etc. at Ally Bank. No one at Ally Bank customer service will allow me to speak with anyone with authority to resolve the problem and find where my retirement funds are. I am shocked that a bank will not return a customer 's money upon the maturity of a CD. I wonder if a bank employee has stolen my IRA money, as Ally Bank can not find the funds. Time is of the essence. PLEASE HELP!!!
XXXX is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.
On XX/XX/XXXX we had a flight from XXXX to New York. Four days after on XX/XX/XXXX we were supposed to fly with XXXX XXXX  to XXXX. On XX/XX/XXXX our flight got canceled due to a storm that was happening on the east coast. The earliest flight to New York our company could offer was on XX/XX/XXXX. We could not fly with XXXX XXXX  to XXXX but yet they still charge us for a baggage payment of XXXX dollars. We notify XXXX as soon as we know that we won't be able to take the flight. They were not willing to work with us. I'm a student who gets to travel once a year ; I don't see why I'm paying for the add-on service I never got to use. I provided all the information of this situation to City bank.
My office represented the borrower in a foreclosure case in XXXX Supreme Court. The matter was settled with a loan modification and the foreclosure case was dismissed. Even though my office no longer represents the borrower, because the underlying foreclosure case has been dismissed, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.
Due to jobs loss for my wife in and reduction of income for myself, I started to get behind on our mortgage payments with Freedom Mortgage and started the loan modification process on XX/XX/2018. I sent in all the required documents, including Hardship Letter, Financial Package, W2 's, bank statements, and 4506t.etc. Freedom Mortgage for the past 4 months has made no progress on this loan modification application and seems to be requesting documents every month which I always provide. I've sent updated hardship letter, paystubs and bank statements and for some reason they still can not get to a resolution. I spoke XXXX agent id : XXXX on XX/XX/XXXX and she informed that Freedom had received all documents and everything was complete for review. Another rep call on XX/XX/XXXX and advised the same information and that I would have an answer on XX/XX/18. I called on XXXX to get an update and AGAIN, I was not told that More a bank statements are needed. What seems to be happening is I provided the necessary documentation and they sit on them for 30 days to let them expire ONLY to request new docs which now takes another 30 days for review. Also, my frustration lead me to contact FHA/HUD directly to see if they could be of assistance I have been dealing with XXXX XXXX ( XXXX who provide me ticket # ( XXXX ) and instructed me to send any documents directly to her and she'll forward to Freedom. I have since called back Freedom to file a formal complaint and inform them I will not be sending any more documents to them. I've also request a supervisor call me in this matter.
Our account is in foreclosure with BB & T bank, this is a FHA loan and they are the servicer, we have had nothing but headaches trying to work with this company to try and resolve our account, from them offering unaffordable modifications to them telling us we have a credit on the account, when in fact we do not, this is the XXXX time they said we had a credit and in reality, we did not, which brings me to this complaint ... ... ... .... 
On XXXX XXXX, 2015 we received a re-instatement letter from their law firm the XXXX XXXX XXXX, telling us if we pay {$1700.00} by XXXX XXXX, 2015 our loan would be re-instatedwith me being skeptical, because previously, they told us we had {$12000.00} in recoverable fees that should have been a credit, well after doing further research, the bank admitted they were wrong and we never had a credit of {$12000.00}, we had taking money out of our XXXX to bring the account current, only to find out after the fact, BB & T Rep pre foreclosure rep gave us the wrong information, moving on to the latest ... ... ... ... .. 
On Monday XXXX XXXX, 2015 I called the attorney office, re-instatement department, spoke to XXXX, informed him of the letter we received dated XXXX XXXX, 2015, I asked him is this quote correct? he told me yes, this is the quote that was sent over from BB & T bank, I then mentioned to him, we had issues with this bank, telling us we had a credit, when we did not, he told me pay the amount on the letter and your account would be reinstated, I then told him, we could get the funds from our XXXX to bring the account current, he told me we could use the letter the law firm sent us, I asked XXXX could you please give me the credited fees amount and what they are, he replied {$21000.00} they are corporate advances which are credits, they just use another term thanked him call endedI then called BB & T spoke to foreclosure department XXXX, told her of the the letter we received from your attorneys office, asked for the account number I gave it to her, she then turned around and ONCE AGAIN told me that figure is not correct, she will call the attorney office, I then ended the call and here we are once again, this is the XXXX time this bank gave us false information, just another example of the POOR servicing, they have done regarding our loan
Credit Report Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
I made a final payment to Capital One to finish paying off my account. I contacted customer service in an attempt to see if it was possible ( since Ive never been late or missed a payment ) to waive the interest to be at {$0.00}. They denied my request and refused to provide assistance. After being transferred to a supervisor, she explained she cant do anything either and starts offering me other things. I asked for another # to call, HR or a manager, she declined and said thats it. Capital One needs to have somewhere where their customers can express their grievances ; not just a level 2 customer service representative.
I previously disputed several inquiries with TransUnion and never heard back on the following results, it has been several months already : - XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry : company states a company applied for a merchant account. I am not a company nor have I ever owned a company. 

- XXXX XX/XX/XXXX : Not my inquiry, resulted from identity theft - XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX : Not my inquiry, XXXX sent me a letter stating they were n't able to find why they ran my credit and they are requesting I provide them with my social, I will not provide my social as this initial inquiry was a result of identity theft. 

- XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft - XXXX XX/XX/XXXX - Not my inquiry, result of identity theft
Bank of America closed my account due to fraudulent activity. A check for XXXX was deposited into my account XX/XX/18. I was out of town in Massachusetts at our family cabin where we dont have service, so I was I unable to check my account religiously. Besides I Left my card at home and I was unable to use it anyways. I got back on the XXXX and I ordered something from XXXX. I did check my account then but I did not see any suspicious activity. On the XXXX I received an email stating that I was being sent a new card which was extremely strange. I did call the bank hoping to speak to someone about the matter, it was pretty late so I didnt think to cancel my card or anything. On the XXXX I went to check my account and it was closed. I called Bank of America and they were extremely passive about the situation and they never informed me that there was suspicious activity being detected or call me NOTHING! Im extremely frustrated because my concern is what this will do to my credit or will this be something that affects my future endeavors. I would like for this to go away and open my, even if I walk away and join a new bank I do not want this to be on my record.
On XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Us Bank XXXX XXXX XXXX sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.
I didnt use Charges after XX/XX/2018 they are fraudulents, I didnt eat sushi nor ate food after XXXX.
On Several times I contact American Express and they request that I verify with the automatic system then they need verify again with representative then why do need XXXX verification. Then the advertise no Fees why was charge withdrawal fee at the ATM. Please verify my account is being hand correctly and they are working within Federal Regulations my American Express Serve Account Number XXXX
We were told our lowest payment option was interest only payments, Which we have found out is not true. 
Our interest even after payments accrued every month. 
Payments were allocated to incorrect loans by Navient. 
We have contacted Navient several times only to be told there is nothing they can do. 
We also were told by a Navient individual that would work with us after defaulting.
I received notification from XXXX XXXX that receivable management collection company has been placed on my credit report.I have no idea about {$170.00} that this company is requesting of me. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents ( Including signed contract ) that receivable management collection company have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681g, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
My account was charged XXXX on XX/XX/2018 by XXXX. 
I contacted XXXX on Saturday XX/XX/XXXX and was told the money would be back in my account on Monday XX/XX/XXXX. 
I called XXXX 3 times on Monday, I was finally told I had to contact Mastercard to dispute the charge. 
I havent gotten any kind of help or response from XXXX to resolve the issue. 
Please help XXXX XXXX
I HAPPENED TO LOOK ATT MY CREDIT REPORT AND SAW SEVERAL COLLECTION ACCOUNTS FROM XXXX XXXX XXXX. THEY NEVER SENT ME A NOTIFICATION OR ANYTHING. THEY JUST PUT ALL OF THESE COLLECTIONS ON MY CREDIT. I HAVE NOT GONE TO AN EMERGENCY ROOM IN OVER FOUR YEARS, AND MY INSURANCE PAID IT WITH MY DEDUCTABLE BEING PAID. SOME OF THE ACCOUNTS FROM XXXX XXXX  IS DUPLICATED. I SENT FOR VALIDATION IF THE DEBTS AND THEY IGNORE ME AND DO N'T RESPOND
MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR TEXAS TRUST FORMERLY KA : XXXX XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MYSELF ( BRUCE NAYLOR, JR ) AND TRANSUNION FOR MY WIFE ( XXXX XXXX. WE HAVE REPEATEDLY CONTACTED TEXAS XXXX XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY.
Upon checking my credit score I came upon information containing credit card and loans of some sort on my credit file I was advised to fill out this form to get this situation handled
NCB management services is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but NCB management insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked NCB if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
XX/XX/2018 I filed a claim on 1st Franklin Financial Corporation. I sent them a intent to pay and cease and desist all communication letter in XX/XX/XXXX which is dated XX/XX/2018. They claim to never received a letter from me however, they are sending me letters with my current address on them. I did not update any information with them so there for they only got my address from the letters I sent. They are destroying my bank account with overdraft fees, transfer fees and withdraws of money that is not there. I also sent this company 3 or 4 messages on their contact form online XX/XX/2018 approximately XXXX this is 4 weeks before actual letters went out no response within 24 hours. I did however get an email back within 10 hours of writing another complaint XX/XX/2018 at XXXX.
On XX/XX/2018 I received a message from a credit monitoring program to which I belong. The notification said that The Waypoint Resource Group in XXXX, Texas has put us in collection for an apparent {$76.00} debt. Neither my wife nor I know anything about this debt. This notification from XXXX and XXXX are the first notification we have of this alleged debt. We have no idea what it is for or what it is about. We tried to contact but I could not reach a person and I am afraid that the company might be a scam company. The phone was answered by a computer generated voice and wanted me to put my information in over the phone so they could find my account. I do not want to give any information to anyone unless I know who I am speaking with. We have not had any bill collectors calling us and to the absolute best of our knowledge, neither my wife nor I know of any money we owe to anyone.
MY MORTGAGE WAS SOLD ON XX/XX/2018 TO RUSHMORE LOAN FROM XXXX XXXX XXXX  MY MODIFICATION PAYMENTS WAS $ XXXX@ 4.00 % FOR FIVE YEARS, MADE SIX PAYMENTS TO XXXX XXXX XXXX, THEN MY LOAN WAS SOLD TO RUSHMORE LOAN # XXXX I MADE 7 PAYMENTS  TO THEM THEN I FELL BEHIND ON MY PAYMENTS BECAUSE OF JOB LOSS IN XX/XX/2018 RUSHMORE IS TELLING ME MY PAYMENT CHANGE TO {$1600.00} A MONTH BECAUSE CALIBER CALCULATED WRONG I SIGNED A PERMINENT MODIFICATION I FEEL LIKE THEY ARE TRYING TO FORCE ME OUT OF MY HOME
XXXX   XXXX  is reporting a collection account on my credit report with  XXXX . this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX  This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with   XXXX   twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on   XXXX   XXXX   then spoke to another representative from  XXXX   XXXX  on   XXXX   who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  XXXX .
On XX/XX/XXXX I received an email that a new negative account had been added to my credit report. I logged in to check the account and found that an account from XX/XX/XXXX had been added from XXXX XXXX XXXX XXXX. I paid the bill directly to the XXXX XXXX on XX/XX/XXXX, so I attempted to call the collection agency to clear this up. I was transferred to a woman named XXXX, who proceeded to tell me that the account was mine and that I must have " received multiple bills '' -- yes, I did and I paid all of them. She then proceeded to tell me that she has a " very old account from XX/XX/XXXX '' and that they were contacting a lawyer about the account. XXXX never even verified my identity on this call. She also stated several times that my credit would be damaged.
This company continues to apply my monthly mortgage payment of PITI to just principal. They said if I make 2 payments in a month this wo n't happen, so I 've spaced them out accordingly and it continues to happen. This means I need to babysit it every month and it effects my escrow and my ARM adjustment. Have tried to rectify with the company to no avail. I make my payments online and indicate how the payment should be broken down but they say their system ca n't accomodate. If that is the case, they need to fix their system or not allow online payments or something???? HELP