WillisBack/dataset-financial-user-claim huggingface dataset:
Experian keeps putting unwarranted and unauthorized Extended Fraud Alerts on my credit file because I keep challenging their reporting of inaccurate items. They are doing this to simply discourage me or make me angry. They have done this now twice within the last month after I told them to stop. They are in violation of the FCRA by not addressing my concerns on my credit file. Instead they want to put fraud alerts on my file to get out of removing items. Not once have I asked them to do this. Not once have I disputed an item rather I have asked them to provide verification based on Section 609 of the FCRA for items that I believe to be inaccurate and they refuse to do so. I am requesting that they remove the Fraud Alert and Stop putting them on my file unless I notify them by writing to do so. These guys need to be fined as they are not obeying the law.
Gm financial repossed vehicle that was not behind on payments. SOLD THE VEHICLE ABD REPORTED BALANCE ON NY CREDIT REPORT
I have a card with Wells Fargo financial. I am attempting to pay my bill online and by phone. I do not csrry a balance, but I have a {$35.00} dollar annual fee that is due tomorrow, XX/XX/2019, but I am unable to make a payment online or on the phone because the system is not operational. The web site says there is a problem with my account and to contact them at XXXX. When I call the number, an automated message says " Wells Fargo Financial '', music plays for several seconds, and the phone is disconnected. I get identical behavior when I try the XXXX number listed on the bill.
DESIGNED RECEIVABLES SOLUTIONS ( DRSI ) hereby referenced as 'Defendant ' incorporated in the state of XXXX ; XXXX. as a foreign entity in the state of CA entity # XXXX alleged consumer hereby referenced as plaintiff of owning debt as a result of identity theft for a total amount of {$490.00} Plaintiff requested defendant to perform debt verification pursuant to the tenets of Section 809 ( 15 USC 1692 ), Validation of Debts, within the Fair Debt Collection Practices Act ( FDCPA ). 
Plaintiff was misleadingly asked to provide his personal data such as address which is different from the address defendant had previously collected from his client, XXXX. [ Exhibit.1 ]. Defendant purposely collected data to match consumers ' profile and therefore have this fraudulent item reported. Nevertheless, the collected data such as address should have been used for legal correspondence purposes only between plaintiff and defendant pursuant to 15 U.S.C. 1692 Section 805 however defendant used this address to falsely and knowingly report fraudulent information on defendant 's credit profile AFTER plaintiff indicated that debt is result of identity theft. 
Prior to credit bureau reporting, plaintiff performed validation of this debt and responded within the 30-day time period as set by 15 U.S.C. 1692 Section 809. Plaintiff informed defendant regarding the fraudulent nature of this debt. Specifically, following information does not match with plaintiff 's consumer profile : SS # Address # Insurance information # Plaintiff claims this debt is fraudulent. Plaintiff provided a copy of his police report to further justify his claim further requesting the defendant to refrain from reporting fraudulent data on consumer 's report pursuant to FCRA 1681 Section 808. Plaintiff requested defendant to cease further communications with plaintiff as per the fraudulent nature of this debt. 
Nevertheless, defendant reported this debt to plaintiff 's credit profile which violates the Fair Debt Collection Practices Act. Defendant is in violation of the following FCRA 1681 Section 808 : 807. False or misleading representations 808. Unfair practices 809. Validation of debts 812. Furnishing certain deceptive forms
After calmly explaining that I am unemployed and have no ability to pay debts at this time, the rep on the phone yelled at me repeatedly "pay your bills!! Pay your bills!!" they also refused to tell me what the hospital bills were for specifically. I feel very violated and harassed.
I put in a request to lower my interest rate on my house. I have been with this morgage company for years and they always say my credit scores want high enough, then i got my credit score at the amount the company ask, then the next step was had to much debts.
Ditech Financial paid someones else 's real estate taxes from our escrow account back in XXXX XXXX. I caught the mistake on XXXX XXXX, XXXX. I have spoken with representatives of Ditech on multiple occasions as well as sent a letter outlining what happened and requesting that the monies be returned to our escrow account. Ditech 's error has caused our escrow account to be deficient and our monthly mortgage payment was increased to make up for the deficiency. My last call to Ditech was on XXXX/XXXX/XXXX. I was told to leave a voicemail message for the supervisor XXXX XXXX outlining the reason for the call and was assured that he would call me back. I have still not received a call back nor a credit to my escrow account even after numerous demands. A Ditech technician that I talked to on XXXX XXXX, XXXX advised that per the notes on my account that it has been scheduled for XXXX XXXX to be resolved. That would be 10 months after their error and 6 months after my first demand. We just want the money put back into our escrow account by Ditech, They then can pursue whatever remedies they have against the person that they are trying to collect the money from. We should not have to pay for their error.
In XXXX I paid {$90.00} to Kohl 's Department store on my husband 's account instead of mine. When I received the XXXX bill I immediately contacted Kohl 's and was assured that the money would be transferred to my account from his and that late fees, etc. would be removed. In mid XXXX and in late XXXX I received telephone calls asking why my bill was not being paid. I explained the situation each time and was promised that it would be corrected. Employees I have spoken to include XXXX ( employee # XXXX ) and XXXX ( employee # XXXX ). 
Our account numbers are XXXX XXXX XXXX, XXXX XXXX XXXX. 
On XXXX XXXX I received a letter stating that my Kohl 's charge was being suspended and that my " refusal to pay '' was being reported to credit collection agencies. 
Please assist me in resolving this matter, so that our credit ratings are not effected.
I have received calls on my cellphone during work hours. I have verbally told them that I can not receive calls during business hours. I have told them 6 times. I went on their website and sent a message that they may not call me during business hours ( XXXX ). They have recently starting calling my office. When I logged on to submit a forbearance and/or deferment, I changed the settings showing my office number. Today, XXXX/XXXX/XXXX, they called again. I called them back. I was transferred to a " specialist ''. I informed this lady that I have filled out the Income Based Repayment documents. She had me listen to a recorded message and stated that she had updated my file ( s ) and the calls would stop. She did warn me that they would start up again on or about XXXX/XXXX/XXXX if I have n't submitted the documents. Fast forward 3.5 hours, another call at my office.
Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XXXX  has failed to want to take this off of my report and says it should appear as two accounts and says that it's XXXX XXXX fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter
In XX/XX/XXXX, Select Portfolio Servicing ( SPS ) inc. based in XXXX XXXX XXXX, Utah took over my mortgage from XXXX. I have three specific complaints against SPS. <P/>( 1 ). During this acquisition, I had a home insurance recovery fund with XXXX. XXXX already paid two installments of the insurance recovery fund and did necessary inspection to pay the 3rd & final installment of the fund ( approx 13K ). <P/>Since the takeover, SPS is giving me run around and as of yet did not release the final installment of my recovery fund. After 9 months of pursuance, SPS finally did an inspection and now saying they have to verify some info with XXXX and froze my fund!! This situation is holding finishing my house work costing me additional living expenses. I am living out of home because I can not complete the restoration work without the insurance recovery money and SPS has already delayed 1 year. SPS is causing me immense hardship and disrupting my personal, social and married life. <P/>( 2. ) During the acquisition, my principal balance with XXXX as of XX/XX/XXXX was $ XXXX whereas SPS is showing $ XXXX as my principal balance. After repeated requests to correct this, SPS is not correcting the amount. I have statement from XXXX showing it was XXXX during the acquisition. <P/>( 3. ) My previous home insurance company dropped me in early XX/XX/XXXX due to hurricane reduction. I got a new home insurance and all documents were sent to SPS via fax and U.S. mail on XX/XX/XXXX. SPS as of today did not pay the premiums to the home insurance company and the new company is about to drop me. <P/>Basically, SPS is playing a foul game and causing me serious financial hardship. My social and married life is at jeopardy for the same reason. I did not choose SPS and I have no role in their acquisition of my mortgage. They are holding my last and final installment and not letting me finish the house work. I am paying my mortgage regularly but I am out of that home for more than 1 year because of SPS.
In XX/XX/XXXX I contacted the XXXX Credit Bureau after I noticed a XXXX XXXX XXXX # XXXX credit card on my report. This credit card was opened on XX/XX/XXXX but only appeared on my XXXX report on XX/XX/XXXX. I told them that this is NOT my credit card and that I never owned a XXXX credit card. They said they would investigate and sent me their investigation report of XX/XX/XXXX ( File Number : XXXX ) which stated that they verified as accurate that this was my credit card. 
I contacted Citibank on XX/XX/XXXX ( spoke to XXXX ) and they verified that this was not my credit card ... the mailing address, middle name, checking account # and date of birth was different from mine but my social security number was associated with that account. They told me it was a " automatic system issue '' problem and they would take care of it. I contacted Citibank on XX/XX/XXXX with no resolution in sight. This credit card still appears on my credit report.
ERC is a debt collector trying to collect debt from XXXX. Unable to verify debt/ amount. No communication from either company and they are reporting on my credit report negatively
I refinanced with XXXX XXXX XXXX in XX/XX/XXXX, for {$210000.00}. The lender secuterized my loan, and the sponsor and master servicer was Countrywide LP. Then right after XXXX XXXX   XXXX defunct on XX/XX/XXXX, and Countrywide LP on XX/XX/XXXX, Bank of America Home Loans identified itself as the lender of my mortgage stating the he own my mortgage since the consumation of the loan on XX/XX/XXXX. Bank of America repetedly stopped the drafting of my payments from my bank, first alleging problems with their systems, but stating, " not to worry they were fixing the problems ''. And then, they would send letters of past due payments. On XX/XX/XXXX, we applied for The Hardest Hit modification program to reduce the principal of the predatory mortgage that we were induced to accept from XXXX XXXX XXXX. The agreement that Bank of America signed with the Hardest Hit Program was to match the {$50000.00} paid in the homeowner behalf for a total of {$100000.00} reduction of the principal of the mortgage with a fogiven amount of {$38000.00}. During thee anniversaries years if by the end of the last day of the month I was not pastdue 90 days or three months. Bank of America continued the abusive practices as Countrywide stopping drafting the payments from my bank, reporting me to the credit bureaus and acting as if we were not paying. Again telling us not to pay attention to the computerized automatic letters sent. The very same year of the hardest hit modification they stopped the draft of the payments with the intention to keep the {$50000.00} from the state program and to lead me to foreclosure to take my house. But before the 90 days, they wanted us to be late we paid them. Then on XX/XX/XXXX and XX/XX/XXXX they played the same dirty game, but on XX/XX/XXXX they crowned their evil plan by sending a series of modification packets that we ignored. One of their packets included a " Clarity Commitment '', stating the following, '' your new principal balance {$120000.00}, past due interests {$1600.00}, services expenses paid to third parties {$38000.00} total, of {$44000.00}, negative amortization and a ballon payment of {$81000.00}. When I was not behind and my principal balance without counting the unapplied payments was only {$80000.00}. I want a full double sided, certified " true and accurate '' copy of the original promissory note and security instrument and all assignments of the security instrument. Full name of trust were the note number is trading and the identifying series of certificates. Full name, addres and phone number of the custodian of my original promissory note. a complete audit history from alleged loan origination showing the dates payments were applied and to what account ( principal, interest, suspense, escrow, etc. ) to the date of your response to this letter. an itemized statement of all advances, charges ( late fees, fees incurred to modify, extend or amend the loan since the date of the note origination to the date of your response to this letter.
I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as $XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was $XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
We are a XXXX XXXX and were told by the store manager that we WOULD NOT BE CHARGED INTEREST on this account which has now been paid off. She told us it was a same as cash offer and said we would receive this incentive for opening the account. Our XX/XX/2016 statement shows they charged us {$230.00} in interest for 2016. Our account number is XXXX. I want a refund check for {$230.00} sent to us immediately. If they do not send our money, we plan to seek legal action. 
Thank you, XXXX XXXX
I was approved for the Macy 's store credit card in XXXX, 2015. Two weeks later I applied for the Macy 's American Express credit card and was approved. On XXXX XXXX, 2015 I received a letter from Macy 's providing the pin number for the American Express card. I immediately called Macys and informed them that I still have n't received the credit card. I was advised that the card would be closed down and a new one would be sent. I called them back on XXXX/XXXX/15 and informed them that I still have n't received the credit card. Was told once again that a new replacement card would be sent out. On XXXX/XXXX/2015. Still no Macy 's American Express credit card. When I called them on XXXX/XXXX/2015 I was told due to all the issues of not receiving the card that they would overnight it to me free of charge. On XXXX/XXXX/2015 I received the so called overnighted card. Not only was it not overnighted as I was promised, it was a replacement store credit card. I never requested a replacement store credit card. I never advised Macy 's that my store card was ever lost or stolen. So why was I even sent a store card to begin with. As of XXXX/XXXX/2015 I still have n't received the Macy ' American Express credit card that I was approved for over 2 months ago. They cant claim address problem. I did receive the letter containing the pin number. Even after I moved I purchased a {$1100.00} mattress set within the last 2 weeks which was delivered to my new home address they now have on file. Their customer service department is just completely terrible.
XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX  call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card. 
These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.
I been paying on a trail for a medication from Seterus since XX/XX/XXXX 2017!! loan number XXXX Now it going on 8 months and still no medication.. Call them and they tell me everything looks good and it taking sum time!!! Never missed a payment and put extra money in to escrow!!!
This is the XXXX time this credit bureau has deth. report under my name and not belong to me. At some point someone is not doing their job properly. XXXX this credit bureau do not have someone available to talk to. there is a bill for {$1.00} listed under my credit report and not belong to me. no one is available to talk with customer at this credit bureau. They provide a number where they ca n't be reached.
WE WERE APPROVED FOR A MODIFICATION WITH CARRINGTON. WE MADE ALL THREE TRIAL PAYMENTS AND WE MADE OUR FIRST REGULAR PAYMENT. CARRINGTON CALLED TO SAY THEY WERE CLOSING OUR CASE BECAUSE THEY NEVER RECEIVED SIGNED DOCUMENTS. WE NEVER RECEIVED ANY DOCUMENTS UNTIL THEY FINALLY EMAILED US A COPY ON XX/XX/XXXX THE DATE ON THE DOCUMENT WAS XX/XX/XXXX AND THE DUE DATE WAS XX/XX/XXXX BOTH OF WHICH ARE PRIOR TO THE DATE THE DOCUMENTS WERE RECEIVED ON XX/XX/XXXX. THE SIGNED DOCS WERE XXXX  AND CONFIRMED RECEIVED ON XX/XX/XXXX. I HAVE MADE ALL TRIAL PAYMENTS AND MY XX/XX/XXXX PAYMENT AND SENT THE DOCUMENTS WHICH H
AD NO REAL DATE. CARRINGTON IS TAKING ADVANTAGE AND TRYING TO STEAL OUR HOME! WE CALLED CARRINGTON AND SPOKE TO THE TEAM LEAD IN HOME RETENTION XXXX EMPLOYEE # XXXX WHO BASICALLY SAID IT WAS OUR FAULT THAT WE DIDNT GET THE DOCUMENTS ON TIME AND SAID THE DENIAL STANDS. HE REFUSED TO TRANSFER US TO A MANAGER AND WHEN HE FINALLY AGREED HE DID TRANSFER US TO XXXX XXXX # XXXX. XXXX STATES HE IS GOING TO HELP US GET THE MOD REINSTATED.