WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a long time customer of Conn 's with a purchase record exceeding $ 40k. I have NEVER been 30-days late. In XX/XX/2016, someone in Conn 's AR department returned my payment to me BY CHECK, and then reported me to the credit bureau as being 30-days late. I wrote them several times and they still have me as being late although I returned the check to them stating that THEY can not make me late because of their error. I have since made another payment but they are still showing me late and the check has not been credited to my account. I feel they are deliberately trying to ruin my credit because I said how incompetent they are. 

Conn 's has the most incompetent accounting staff ever. Do not buy anything from them. The sales staff is excellent and they are in no way responsible for the horrific way the accounting is done. 

This all began when I paid an account off and accidently overpaid it. Instead of returning my money, they applied the overpayment to my open accounts which is not good business practice. This made varied accounts have different balances due than normal. I paid the full amount due and when I checked again the balance due was {$21.00}, so I canceled the {$130.00} payment and paid the {$21.00}. Conn 's had returned the {$100.00} difference in a check. Why, I have no idea. I am on a " 12-month, no-interest '' contract, therefore, payments in excess of the minimal should be expected, so why would the payment be returned? 

The problem is their ignorance and their attitude and that my purchase and payment history have no meaning. I have been tossed in the trash as if my reputation is something their incompetent staff have the right to tarnish.
I opened a Bank account with XXXX  XXXX XXXX about 2 years ago, shortly after opening this account I was the victim of theft of my XXXX, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when XXXX  XXXX XXXX called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from Chexsystems on my consumer report. I followed all of the directions given to me by both XXXX XXXX XXXX and Chexsystems. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both XXXX XXXX XXXX by mail and to Chexsystems by Dispute. I have made at least 4 disputes to chexsystems and I sent a XXXX dollar bill in the mail I sent to XXXX XXXX XXXXXXXX with the police report they specifically requested for the removal of my name from Chexsystems. I called the risk department 2 months after mailing in to XXXX and they claimed they never received my report and money. Chexsystems has also failed to send the information to XXXX as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.
I have been a victim of identity theft. There are over 20 collections for things I have no clue where they are from. I have contacted the company to dispute it but they are saying they can not remove anything without payment, which I know is not true. 

This really isn't fair, is there anything anyone can do?
This concern is with us bank home mortgage, I started this process in  XXXX   XXXX . My mother passed away in  XXXX  at the time her home was current never past due. I talked to us bank about putting the loan into my name. Which after several months was done. During that time the loan was becoming past due. I applied for loss mitigation and was approved. During the first two months I was taken out due to have a second mortgage on the account. Of course I had no idea and us bank never told me there was a  Lein  on the property from a credit union, that my mother took out. If I did n't pay it they would forclose. So I paid cu services  XXXX . I then replyed several times  XXXX  and  XXXX  for loss mitigation and after several months denied. I reapplied in  XXXX   XXXX   XXXX . Where I have been in loss mitigation to date. I was denied in  XXXX   XXXX  and I appealed due to us bank not having all the documents and changes made on the account. I 'm still in appeal they have sent m e two additional letters stating they need more time for decisions. I have been in loss mitigation for one year and five  months. The current due is  XXXX . In 17 months being in loss mitigation has put  XXXX  additional onto loan including escrow advances for insurance. I contact us bank weekly ever since I took over the loan to get updates to see if anything is needed I never waited for them to contact me or send letters. I knew the process and it took to long so I took the initiative. I have been through several loss mitigation relationships managers never to be informed of changes. At one point I did attempt to get outside help with first financial for the loss mitigation. But after months they wanted so much money and they were not helping. A cease and desist was placed on the account from them but after I refused services I contacted us bank to take off and they never did. Just to date again submitting a letter stating all of this the letter was forwarded to customer advocacy because of my letter being worded in form of a complaint. Nothing had been done. It is just amazing how I was never told until customer advocacy received my letter that I could pay on the mortgage. I contacted us bank several times to try and make payments they always said i could not due to bein g 5 pay ments past due and then of course the balance was growing. it have to be paid in full. When I did pay they sent payment back. Part of it is still in suspense acct. all I am trying to do is get my home back on tract. My home has been in our family since it was built on  XXXX . It would of never fallen behind If my mother did n't pass away suddenly At  XXXX . All of the loan advisors just told me to put it up for quick sale or a deed in lieu so I can just walk away. That is not right to advise when I am trying to save my home. I only have  XXXX  on this property and the value is  XXXX .
After  XXXX  years and  XXXX  months,  XXXX  sold our 15 year, fixed-rate mortgage to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  effective   XXXX   XXXX   XXXX    .  XXXX  sent us a NOTICE OF SERVICING TRANSFER dated  XXXX / XXXX /  XXXX   and we received it the following week.  XXXX  sent a SERVICING TRANSFER NOTICE dated   XXXX   XXXX   XXXX   that we received on or about   XXXX   XXXX  . Both the  XXXX  letter and the  XXXX  letter indicated that ACH payment arrangements would continue without interrruption. Our payment arrangement with  XXXX  from the time that the loan was originated until the sale date was half payments deducted by  XXXX  withdrawal from our checking account on a biweekly basis. After being unable to register our account on the  XXXX  online system between   XXXX   XXXX   and   XXXX   XXXX      XXXX  , I called  XXXX  Customer Service on the afternoon of   XXXX   XXXX   The recorded message said that the account information for newly acquired mortgages would not be availble on the online system for  XXXX  days but that payments must still be made in the interim as their   XXXX   letter also said. However,  XXXX  did not provide any information about the amount of the payment due or the due date. The customer service agent was able to look up our account in a separate system for newly acquired mortgages. He told me that this transition would be " smooth '' and specifically that my payment arrangements would continue as with  XXXX . He specifically told me that the first ACH transaction that  XXXX  would have processed on  XXXX   XXXX , would be delayed until approximately  XXXX   XXXX  and that regular biweekly ACH withdrawals would resume on  XXXX   XXXX . He told me that no action was required on my part to authorize this. The agent also told me that we would receive a phone call about  XXXX   XXXX  orienting us to  XXXX  and its customer service, but did say that if we had n't heard from them by about  XXXX   XXXX , that I should call back. By  XXXX   XXXX , no ACH withdrawal had taken place and no phone call had been received. On that date we received a letter from  XXXX  informing us that  XXXX  did not offer the payment plan that we had with  XXXX  and that we would have to authorize a new ACH withdrawal. We were able to register our account onine on  XXXX   XXXX  and authorize a new ACH transaction, the only option was a single monthly transaction, contrary to what I was told directly by the agent on the phone on  XXXX   XXXX . I believe that  XXXX  has deliberately provided false and misleading information and is acting in bad faith. I advise anyone whose mortgage was recently acquired by  XXXX  to document all contacts and retain all written correspondence. Consider hiring an attorney if you think that is warranted.
My family members ( Grandmother and Mother ) are consistently receiving collections calls from Williams & Fudge on a debt I do not owe. They are looking for someone with my same name, that has an outstanding debt with a college in the XXXX XXXX area. I have never lived in California and we don't have the same birth date. I repeatedly have to call them and say you are looking for the wrong person, just to have someone call back. This has been happening since 2012!
Equifax allowed significant private information about me including my Social Security Number, date of birth, addresses and potentially credit card numbers to be shared with hackers, putting me at significant risk of identity theft. 

I have confirmed via the Equifax website that my information was stolen : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
When the Student Loan Forgiveness Act initially came out I spoke to what was then XXXX XXXX, now XXXX who carries my student loan. They said I had already consolidated and did n't qualify for loan forgiveness. Equitable Acceptance Corporation under the name XXXX XXXX Loans contacted me by phone. After giving them my information the representative stated that not only do I qualify, but I qualify for XXXX payment. I pay them closing costs XXXX or {$39.00} per month in closing costs. They will file for my loan to be placed on deferment while consolidating the loan and my payment of {$39.00} per month will begin XXXX XXXX until paid in full. The origional contact with this company ocurred XXXX XXXX, 2016. I recieved the initial deferment documentation via email. I received notification by email from XXXX last week indicating that my deferment was almost over. This made me question, because Equitable Acceptance was supposed to be taking the loan, so why would I be hearing from XXXX? I then received a bill from Equitable Acceptance stating they wanted {$39.00} by XXXX XXXX, 2016. I called XXXX today XXXX XXXX/XXXX/16 XXXX about the deferment. The representative indicated that I would be better off paying my monthly payment as is, because under the loan forgiveness act I would end up paying more per month and I will be paid off in less than 10 years. She then said Equitable Acceptance serves as a 3rd party representative, which they did not tell me. She indicated that I am paying them to do paperwork I can do myself, they have not filed for consolidation on the loan and are simply deferring the loan. She provided me with the phone number for XXXX XXXX XXXX XXXX XXXX to determine my rights and XXXX to determine if a claim has been opened under my social security number. I believe that I was given false information by this company and now they are going to demand I pay them a monthly payment to them under false pretenses while still paying on my student loan. They are not providing the services they indicated to me.
my identity was stolen, i informed the XXXX XXXX XXXX, but they insisted i paid off the balance and they would remove it from my credit report, i t turns out i paid and they refused to remove it.. i should not be asked to pay for something i am not responsible. i was intimidated and put under pressure to pay this off but i am not responsible
XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX XXXX. no. XXXX, Finance Mgr : " XXXX '' ; Sales Agent : XXXX XXXX '' leased me and my spouse XXXX XXXX XXXX XXXX a XXXX new XXXX XXXX XXXX, accepting the surrender of a XXXX XXXX XXXX in late XXXX. The later vehicle was on a 36 month earlier lease and was not due for expiration until XX/XX/XXXX. However, the Sale Agent and Finance Mgr. offered to accept the XX/XX/XXXX on that day and accept the vehicle in exchange for the leasing of the new XX/XX/XXXX model. The terms included my payment of {$1200.00} and new lease payments of {$340.00} per month going forward. We accepted their offer at which time they inspected, photographed and took full possession of our XX/XX/XXXX XXXX. There was ABSOLUTELY NO STATEMENT REGARDING ANY DEFECTS REGARDING THE PHYSICAL CONDITION OF THE SURRENDERED VEHICLE. Neither myself, my wife, nor the dealer 's agents found any physical fault with the vehicle being surrendered for lease termination. HOWEVER, 2 day ago I received a bill from SOUTHEAST TOYOTA FINANCE ( the leasing source ) totalling {$820.00}. Their notice demanded payment without delay. Since neither the dealer 's agents who inspected and accepted the vehicle XXXX months earlier as witnessed by myself and my wife observed no physical damage when surrending same, IT IS UNCONSCIONABLE FOR THE LEASING COMPANY, SOUTHEAST TOYOTA - phone no : XXXX to solicit such payment from we, the good-faith contracting consumers. Please remediate this matter on our behalf. I contacted the Sale Agent, " XXXX XXXX '' who claimed ignorance of this issue.
On XXXX/XXXX/16 a Social Security ACH transaction was received by Wells Fargo Bank and was reflected in my online account as a {$1000.00} deposit and I had a balance in excess of {$1500.00} in my account. I made a withdrawal of {$1100.00} and later in the day attempted use of my debit card for a {$2.00} purchase. The card was denied. Upon returning home, I checked the Wells Fargo web site and saw a balance of {$470.00}. 
Today, XXXX/XXXX/16, I checked the account again and find a negative balance of {$590.00}. 
I call the branch that I had used for the withdrawal and they denied that there had been any such deposit. My next call was to Social Security where the transaction to the proper XXXX and account was verified. I received a phone number to contact the ACH processing at Wells Fargo. After speaking with XXXX persons I find that my account was blocked on XXXX/XXXX/16. No transactions are allowed in or out. 
I called the Loss Prevention phone number that was provided and was told that the Social Security transaction had been returned. I told them that I was to receive a XXXX transaction for {$3100.00} on XXXX/XXXX/16. I was instructed to call back on that date.
I have disputed this XXXX CREDIT CARD ACCT. XXXX ... .. 
multiple times for changing inaccuracies.At this moment, the acct. is under dispute for missing the XXXX dollar minimum pymt. amount on the report, paid by me finally on XXXX/XXXX/XXXX. 
But the meat of the dispute is that the acct. contains fraudulent, illegal charges by the creditor from date of 1st delinquency until charge-off.The XX/XX/XXXX Credit Card ACT, which was fully implemented in XX/XX/XXXX limited by law the amount of late penalty fees, interest, over-the limit charges etc.This law substantially reduced my contract amounts charged to me.THE XXXX DOLLARS BALANCE AND CHARGEOFF AMOUNT ARE FRAUDULENT.THE AMOUNTS CALCULATED FROM MY DEFAULT ARE LEGALLY AND NOT MARGINALLY EXCESSIVE.THE PAYMENT HISTORY IS CORRECT, THE XXXX DOLLAR MIN PYMT NOT SHOWING IS CORRECT ... ..WITH THESE AMOUNTS, AND CONSIDERING THAT MY ACCT WAS CLOSE TO THE LIMIT BUT UNDER IT ... ..AND I WAS NOT OPTED -IN FOR OVER THE LIMIT ... XXXX IT IS VIRTUALLY IMPOSSIBLE TO ARRIVE AT A XXXX DOLLAR BALANCE WITHOUT MULTIPLE VIOLATIONS OF THE XX/XX/XXXX CREDIT CARD ACT.Experian either knowingly or negligently has colluded with a financial criminal and allowed the negative reporting to be used as an extortionate tool against me.Too many times Experian has allowed the verification of incomplete and inaccurate information on this acct.Unless Experian can prove duress ( XXXX threatens them ), Experian has no excuse for false incomplete, continuous verifications.
Shellpoint Mortgage Servicing sent letter dated XXXX/XXXX/15 advising that we have not provided all documentation for loss mitigation program. I have questions and I have called XXXX XXXX at Shellpoint every business day for six days. Her voice Mail says she will return the call within 24 hours. She has not returned my calls. Her message says press XXXX for further assistance when I press XXXX the message says No one is available to help you, call back. Shellpoint has given us a deadline to submit documents yet it has been six days of daily telephone calls and leaving messages with NO RETURN calls from XXXX XXXX or anyone else at Shellpoint Mortgage Servicing.
They mis-handled an extra payment I sent to cover for insurance rate increase. They were suppose to back it out, apply it correctly and then all would be fine. That was in XX/XX/2018. I have called every month after getting threatening letters, and they always say they will re-do it. The last time I called in early XXXX, they told me I was 2 months behind! My mtg pymts go out from auto-pay every month on the same day. I've never been late. They keep me on the phone for 2 hours, and then promise to fix it. But nothing changes, and I keep getting threatening letters. 
I'm a XXXX veteran [ 100 % ] and part of my XXXX is XXXX. They keep me on the phone for so long it wears me down. I also have XXXX XXXX XXXX   problems, so I can have a conversation and 10 minutes later I can't remember what was said. So I have tried to keep short notes of each of the last 3 months of calls. On XXXX XXXX, PennyMac responded to the Texas State Attorney Generals complaint I filed. Here is my note : XXXX : PennyMac called me XXXX XXXX. XXXX ext XXXX Dept : Priority Complaints. He advised me that he was recording the call, and when I told him I would do the same, he told me that XXXX would not talk on the phone with me if I recorded the call. I told him 3 times I would stop recording if he would answer my questions. He would not talk to me or answer any questions, and then hung up. I asked him if they were going to foreclose on my home and he would not answer that either. I asked him this question at least 3 times with me, and he would never answer. 
This produces great stress with me. I really don't know what to do at this point. I'm afraid of becoming homeless.
The Law Offices of Robert J Colclough and XXXX XXXX have been calling me at work. They placed a judgement against my checking account for debt owed back in XX/XX/XXXX. Case XXXX. My understanding is that for California residents, collectors are not allowed to call you at work. The collection representative called me and identified himself by first name only and XXXX XXXX. I told him that I'm already working with someone from XXXX XXXX. When I asked the collection representative how did you get my work phone number. That's a clear violation of the Fair Debt Collection Practices Act. He hung up on me. I've been working with a Mr. XXXX XXXX ext XXXX who has been assigned to my case. In the beginning I made many attempts to get a hold of him. He was never available. Finally he calls me back and tells me that I owed {$6800.00} from an old credit card back in XX/XX/XXXX. I told him that I'm going through financial hardship and that I can be placed on an installment plan. He said that he would get back to me by XX/XX/XXXX. I've been calling and leaving messages but nobody has called me back. Instead I get this surprise letter that now I owe {$30000.00}. What is this? They won't call me back to explain. In the attachments are the court docs showing a total of {$6800.00} and letter from Law Offices of Robert J Colclough showing current balance due of {$30000.00}. Smelled like a scam from the beginning but now starting to feeling like one. The only reason why I contacted them is because they got into my checking account.
I have been deprived of my income as Bank of America continues disappearing my direct deposit payments. In addition to their incapacity to secure people 's money 's, they are massively in mature as they trivialize their failures sending me an email saying : We got your back Fraud protection is back '' They are all very damaged organization full of arrogance and the belief that they are above the law. 
This is the fourth time I file a complaint against Bank of America and nothing happens to them. Had I done one inch of what they have done, I would have lost my license. How come they have more rights than the rest of the Americans? I I was supposed to receive moneys from XXXX {$290.00} on XX/XX/2017 and there is nothing in my account. 
Whe is the Federal government act as as a protector of the citizens who work for a living rather than the arrogant corporations destroying the citizens?
The following names have been brought to my attention and have caused concerned and per the credit report are listed as followed : XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX identification number XXXX, and XXXX XXXX identification number XXXX. Please any other name other than " XXXX XXXX '' deems to be invalid and have not been identified by any other name. 

The report also includes social security number ending in XXXX, last four of this social and current social do not match and do not know where it arises from, or whether this social is being currently used under my name for someone else 's benefit. Please remove completely. 

The following phone number has been identifies as invalid and have no connection to me whatsoever, please remove : XXXX. 

I am honestly looking to repair my credit as drastically and as fast as possible. I acknowledge that some accounts that have been marked as written off but they have been paid in full. Hence, BANK OF AMERICA ACCT:XXXX has been paid in full and would like all negative remarks removed. XXXX XXXX was paid in full and would like that remark removed. XXXX ACCT:XXXX has been paid in full and would like all negative remarks removed.
Experian fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.