WillisBack/dataset-financial-user-claim huggingface dataset:
On multiple occasions, I have attempted to contact NCS in order to resolve disputed charges. Every time I try to ask questions regarding the portion of the debt that I am disputing, the Collection Representative XXXX XXXX refuses to answer any questions about what documentation they will accept. He will then say that the conversation is over and hang up on me, or say I can talk to a supervisor and then hang up on me instead. This has happened every single time I have called them regarding my account. It is impossible to make any progress if they refuse to give me any information on what they will accept as proof of my claims.
West central Texas collection insists on reporting to XXXX that I have an open account with them that is on a chapter XXXX wage earner plan. This is not true. I filed chapter XXXX and the account should show closed with a XXXX  balance. I contacted them and they refused to correct the information on my XXXX   report.
Wells Fargo Home Mortgage sent my mortgage into a foreclosure sale without ANY PRIOR notification/correspondence to me. I had no notice of any such action until I received notice from an attorney via USPS regular mail, 7 business days before sale date. After speaking with WFHM regarding same, they said they did nothing wrong, even though they have no proof of my receiving any such correspondence. This is an outrage!!
I have a couple of issues with this creditor ; 1 ) On XXXX XXXX XXXX, I found that XXXX put a lien on my property in XXXX whichI did not realize ( see attached Credit Line Security Deed ). I do not remember every seeing this document or signing it, nor doI have a copy of it my files.2 ). In XXXX I filed bankruptcy which XXXX was included ( see attach creditors list ). After much research I found that XXXX is out of business and XXXX XXXX took over their accounts. According to XXXX XXXX, in XXXX the account was transferred to Green Tree Servings. XXXX I filed bankruptcy and Green Tree was included, even though the debt was in my XXXX bankruptcy.After talking with Green tree, because my property was under contact to be sold, they would not negotiate a payoff unless I went thought the short sale process which could take weeks and I am due to close on XXXX XXXX. The only option I was give was to pay in full in order to get the lien release. I was told that the bankruptcy released me from the obligation of paying the debt, but in order to have the lien released, I would have to pay the debtin full or go through the short sale process. I feel that I am being taken advantage because the house was under contract. This situation feels like extortion. How is it that I am not obligated to pay the debt but to get the lien off my property I would have to pay the debt?
I filed bankruptcy and it was discharged 7 months ago. I reaffirmed on my loan with XXXX ( XXXX XXXX XXXX XXXX ). I have made payments the entire time along with their website showing payments continued from XX/XX/17 to current. I went to trade the car in yesterday and the dealer said all the bureaus are not showing that I'm making car payments on the loan in any of the car part of the bureaus. It shows that the car was included in the BK. It needs to show payment history. This needs to be backdated to show I have been making payments. Since I have been working hard to rebuild my credit this is the only thing holding me back from making the trade yesterday that would have paid XXXX off and made me non upside down. Great way to help me get back on track. All that hard work thrown out because someone is not reporting accurately.
I received a check from  XXXX   XXXX  for approximately {$7000.00} for vehicle repairs. The check was made out to myself, my wife and the body shop where we received an estimate.   My wife and I had not made a final decision regarding the repairs. We had planned on finding a more competitive estimate.   We deposited the check in to my  Regions Checking Ac count. Regions not only froze the check ... but my entire account. They told me it was improperly endorsed due to the fact that the body shop had not signed the check. This has been going on for ove r 3 week s. According to  XXXX   XXXX  ... Regions has CASHED our check. The insurance company is willing to re-issue the check but must get it back from the bank first. Regions is refusing to return it and telling me I must physically bring a representative from the body shop in to the bank to endorse. Once again ...  XXXX   XXXX  is saying the CHECK HAS BEEN CASHED. It would appear the only party benefitting from the insurance settlement is REGIONS BANK at this point. I want regions to clear that check ... and deposit in to my account and stop holding my money  hostage. They  should not have the right to CASH the check and hold the funds. If there was a problem ... they should have returned the check NOT cash it and HOLD THE MONEY earning interest. This is upsetting to me and I feel like the bank has overstepped their powers ... and is acting like they get to decide things they have no jurisdiction over. Give me my money. I will worry about the body shop and state farm and my personal business.  Three weeks  is ridiculous. Time to move on. If there was concern about the endorsement ... enough time has now passed to clear the check. Please contact  XXXX   XXXX  at Regions Bank in  XXXX , GA.
Today, XXXX XXXX, I went to verify my account status for my XXXX XXXX XXXX maintained by Synchrony Bank. I noticed on my credit report that this account had fallen off. I called XXXX and finally got to speak to someone. She told me my account had been closed due to inactivity and that the last activity was in XXXX of XXXX. I told her I wanted the account open but she refused. The bank closing this account involuntarily has damaged my credit rating due to the fact that I had this card for several years and had a reasonably high, {$4000.00} spending limit on it. I need this account to be reopened, please ; and am even willing to purchase using it. The account has had perfect payment performance at all times during the period while I had been using it more often. I should note that there does not appear to be any indication to me that this account has been closed other than the implication via absence from my credit report -- unfair tactics on the lender 's part.
I never gave authorization for an adjustable rate mortgage. Never even signed any documentation for it. My loan provider, which is now XXXX, confirmed that I have an A.R.M. I was told by an XXXX agent, that i may have been a victim of predatory lending and that if i did not sign any documentation for an A.R.M., than documents could have been falsified.
I filed a complaint with CFPB about my American Express Account. I received a letter from American Express, in light of your investigation, stating that my account would be re-aged and the delinquencies would be removed. I have since filed XXXX disputes with XXXX regarding my account, attaching the letter I received from American Express. After much frustration, I called XXXX and explained what happened. They told me American Express uses a different account # from my actual credit card # when reporting to credit reporting agencies. They said the would send the letter to American Express to verify. I just received their investigation and once again, the account has not been re-aged as stated in the letter I received from American Express. To add insult to injury, American Express now has my account as being closed in XXXX, not XXXX.
Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX
I continue to receive phone calls from this debt collector even after informing them they have the wrong person/phone number. They are calling about someone with the same first and last name as mine, but a different middle name. I have informed them of their mistake and they promise to remove my phone number from their database, yet I continue to receive calls from them.
I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my TransUnion report from XXXX XXXX.
I got a call that I was being served on a debt ( REFUSED TO TELL ME WHAT DEBT OR ANYTHING ABOUT IT ) or arrested if I refused to be served. I kept asking what they were calling about and all they would do is repeat the attorney 's name and that I did n't need to be so hostile. By hostile I mean asking what this was in regards to, asking why I have received no notifications of any debts owed via USPS, previous phone calls or why they are calling threatening legal action or jail for something that I have NO information on. I refused to verify my social security number because I have NO idea what this call was for or if even my debt. I requested all information in writing and was told I as too late since it 's already become a legal matter beyond their control!
They keep calling me while I am at work. I have asked them to not call me during the hours of XXXX. I also emailed their main office asking them to have the local office not call while I 'm at work.
Hello This is regarding my Best Buy credit card, back in XX/XX/XXXXXXXX and XX/XX/XXXX and XX/XX/XXXX, they stated in my report that Ive missed payment due to not having funds in my account, but the issue was not noticeable by me and I Never revived a bill saying I have missed a payment at that time. On top of that my main account source where I was doing payment had closed with out me noticing kind of went thru hardship for a moment with out any notic that I was late on payment thinking that it was done automatic, so I contacted the credit company and they promised to fix the issue and remove the late payment marks witch never happened. As you see Ive never missed a payment ever since or before that. And Im so upset due to the fact they gave me their word to fix and help me remove isssue and didnt. What should I do please help me with this issue thanks.
Capitall One sent an offer entitled " 360 Money Market ''. It offered an interest rate of 1.60 % APY with up to {$500.00} in bonus cash. The account is referred to as " 360 Money Market '' in five different places on the written offer. It also has a quote by a Money Market customer saying, " Great Interest rate, super easy website to navigate, easy to open, EASY TO MOVE MONEY ''.

When I went to a Capitall One Bank to open the account, I was told that it had to be a paperless account. Next, I was told there would be no way to designate a beneficiary until at least the end of the summer. When I asked if I would be able to write checks on it since it was entitled " MONEY MARKET '', I was told NO. I was further told that it is a savings account and NOT A MONEY MARKET!!!

To me, this is outright intentional deception.
I am writing to dispute a bill that I received from United Consumers Inc. on behalf of XXXX in the amount of {$990.00}. After I terminated services with XXXX, I never received a final bill ; they simply sent this account straight to collections! There is no way that I 'm going to pay for services that were not provided to my children as I had to pull both of them out less than a month into the XX/XX/XXXX-XX/XX/XXXX school year due to negligence on behalf of the staff at XXXX. Their father and I had to pay more than {$400.00} to get them enrolled at another center on very short notice. My XXXX XXXX XXXX was being bullied by an older boy at XXXX and even after complaints from my mother and myself, no one took action. After speaking with the regional mgr. at Corporate a day or two after the incident was initially reported by my child, I informed her that since the director of the XXXX XXXX did a poor investigation of the situation, my children would not be returning as I did n't feel like they were being protected there. I also explained to her that this has caused me to miss a day of work as I had to scramble to make new child care arrangements for my children. The supply fees are for the entire school year, my children were there barely 3 weeks. I will fight this balance tooth and nail because there is no way I will be paying almost {$1000.00} for less than 3 weeks of childcare that turned out to be a terrible experience for myself and my child.
This company is saying I owe them but I dont even know this company they tried to say I owe almost 4000 but its been proven they was wrong reason it was remove off my credit if I knew who or where this company was Ill would pay but never heard of them either company
I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
There is a feature on Navient 's website that allows you to pay loans together by type. When the loan is over paid, it spreads the over payment among all of the loans in that group evenly. However, not all of the loans have the same interest rates. This is deceptive and even predatory in nature because I may wish for the extra payment to go towards paying down the principle of the loan with the higher interest rate instead of the XXXX at 1 %. The company did n't use to have this on their website and I feel that they are engineering the site to extract even more cash out of their customers.
I have a XXXX card and never missed or made payments late. My due date is on every XX/XX/XXXXof each month and on XX/XX/18 when I tried to log in to my account to make my payment online as I do every month and I got a message saying that my account was locked for 24 hours. I contacted XXXX to unlock my online access and was unsuccessful. I was transferred several times to different representatives. I then was connected with a representative who introduced himself as XXXX and he introduced himself as a supervisor. I explained that I needed to make my payment since I travel for living and was going to be out of the country on XX/XX/18 and was advised that since my card was expiring in XX/XX/XXXX, a new card had been issued and my online access was locked until I registered the new card. I explained that I had not yet received a new card and needed to make my payment online to print my transaction and he told me that he was going to give me until XX/XX/18 to make my payment and if payment was not received by the XX/XX/XXXX, a late fee would be accessed. I explained to him that I have no control on when I will receive my card and since I have a valid card until the end of XX/XX/XXXX, I should not be locked from my online access and he said the XX/XX/XXXXwould be the date before a late fee would be accessed. I filed complaints with the XXXX  and CFPB and got a call from XXXX in the CEO 's office. I returned her call and she said that she waived the late fee and I advised her that I would make my payment as soon as I can log in to my account. She also said she was sending me a new card, so my old card is no longer valid. I am still waiting for the new card, but started to receive aggressive calls several times a day from the collections department, although my account is only 9 days late. They call and leave a recorded message or simply call and do not leave a message.
My name is XXXX XXXX XXXX XXXX, I 'm trying to rent an appartment and when they check my record it 's saying that I have felonies but I 'm not the person on the record report, I 'm not XXXX XXXX.
I lived in XXXX XXXX because it was required of me when I accepted the job as a manager. I never signed or was bound by a lease. I lived in the apartment for the time I worked for the apartments and when I was no longer working as manager I moved out of the apartment. There is absolutely no reason this erroneous debt should be reporting on my credit file!
Long story short is that Capital One Auto Finance did in fact agree to finance a vehicle on behalf of consumers that they knew would later be rescinded resulting from an ongoing unresolved dispute involving Capital One and XXXX XXXX XXXX XXXX XXXX, Maryland. Capital One conducted credit checks when they knew that there was no real intent to finance the loan. They entered into the contract after they some how systematically discovered that another financial institution agreed to finance the vehicle under more peaceful and less stressful terms. They failed to address the ongoing dispute and complaint filed against them resulting from a previous deal that went wrong. On Sunday XXXX XXXX, XXXX a vehicle that consumers attempted to purchase was in fact repossessed because Cap One rescinded on the deal. On XXXX XXXX, XXXX Cap One agreed to finance the vehicle. On XXXX XXXX, XXXX Cap One agreed to finance a vehicle that failed to operate in Reverse ; thus faulty transmission with that vehicle. Subsequently consumers have filed complaints against CapOne and the dealership seeking to remedy, sever, and abate the contract. Furthermore seeking a clean savage Maryland Certificate of Title as result of the faulty transmission. Cap One has failed to comply. Why did Cap One agree to finance the vehicle when they knew that another source was interested. They knew that there was no real intent to finance pending a previous deal that went eerr/wrong. Why did they feel a need to tamper with the credit process when they knew that the deal would later be rescinded. Failed to notify consumers of their intent to repossess the vvehicle that they knew was no real intent of financing. Clearly there has been an improper misuse of consumers credit information. Clearly this businees is engaging in retaliatory actions ad result of pending consumer complaint. It 's not the consumers fault that XXXX XXXX sold us a vehicle with a defaulted ; failed transmission. As consumers what are we suppose to do?
This regards XXXX Equifax is using a trick to avoid responding. 

They sent an email offering information on my case. However, in order to obtain the information, I was asked to submit some simple information to identify my account I submitted the correct information but the Equifax system rejected it. I tried several times, and I am sure I entered the correct, simple, information. It comes back each time " incorrect. '' By that means they avoid responding.
Last year I had my daughter removed from my insurance and for most insurance still withdraw money for renewal from account for both cars and people. They stated they could not refund my bank.. caused me overdraft really bad. Cause they kept hitting the account. I called several times sent document everything.they then continued to change my policy and charging more and hitting my checking account. Was never given back my money.. I cancelled in XXXX XXXX,2017 they still keep charging me & sending me to collections. I keep calling and faxing documents & they keep sending new policy. Now collectors are calling screaming at me.. they now have my insurance collection with security
In XX/XX/2018, I upgraded my XXXX XXXX retail store card ending in XXXX to their Mastercard ending in XXXX. When the upgrade occurred the balance on the old card of {$760.00} was transferred to the Mastercard. 

Unfortunately, when the old account ending in XXXX was closed an update was not sent to the three major credit bureaus in XXXX showing the account closed with a XXXX balance. 

The last reported date for the old account is XX/XX/2018 with the following history : Balance : {$760.00} Date of Last Payment : XX/XX/18 Amount Past Due : {$0.00} Min Monthly Payment : {$27.00} At this point in time, the current information documented at the Credit Reporting Agencies is incorrect and should be updated.
I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
I sent a letter to Equifax specifically asking them to VALIDATE a collection agency on my credit report-XXXX. They replyed with a letter stating they Validated the information and did not give me any of the information as to who did the process, etc. like I requested.I sent my request in a certified letter ( i have attached a copy ). They are in violation of FDCPA, section 809 ( B ), AND fcra 611 ( A ). IF they will not comply I will take them to small claims court. I have attached supporting documents.
My mortgage loan originated with XXXX XXXX, but was sold to Green Tree. Green Tree since has merged with Ditech due to a class action lawsuit. On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Ditech Financial ( Previously Green Tree ). My check was cashed and cleared out of my account by XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a call from Ditech 's collection department requesting a payment for an unpaid balance. After explaining to the women on the phone for a long time that my check had cleared the account from their servicing department, she was still harassing me for a payment. I was able to provide proof and speak with a team leader named XXXX who found my payment and made the adjustment. My payment was mailed very early, and was cashed by XX/XX/XXXX. Still after finding my check and acknowledging their error, my account as of XXXX XXXX, 2016 has yet to be fixed. They have never applied my payment of {$1500.00} to my account, and removed the late fee that should be gone. All of this is an error in their system, and I was harassed by their company to make a payment that had already been cashed in their system. Nearly 1 month after my payment was debited out of my account they still have not remedied the situation. I am very concerned about the future payments. I can also say customer service when I call is very poor. I get put on hold without notice. People transfer me without notice and do not notify the person who I was transferred to why, and most importantly no one has fixed the issue.