WillisBack/dataset-financial-user-claim huggingface dataset:
Aut9mated accounts original creditors name XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. 
over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. 

XXXX  ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. 
Then another balance also shown high balance {$1500.00}. 
This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. 
This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is  {$1100.00} with high balance shown as $ 885 monthly payments {$110.00} this company is stating 60-89 days late. 
This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. 
This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. 
I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.
I was recently notified that Countrywide/Bank of America Home Loans ( Account # : XXXX ) is now incorrectly reporting on my credit reports that my former residents at : XXXX XXXX XXXX XXXX XXXX CO XXXX was a foreclosure. Which is untrue and I was assured that if I took the short sale offer the information on my credit reports would not be deemed a foreclosure! I have always been concerned about this program that essentially forced us out of our home because Countrywide/Bank of America Home Loans would not consider us for a Loan Modification!
XX/XX/18 I contacted Hunter Warfield acct # XXXX XXXX XXXX they advised my account is being handled by an Atty office XXXX XXXX XXXX XXXX XXXX, XXXX that which I contacted advised that I'm a XXXX veteran and they advised the account is in pre-litigation I advised I would like to settle the account for {$1000.00} they told me to send over a financial analysis of my debt to income ratio which I did and haven't heard a response back. This kind of tactic of threatening to take me to court due to I had to move out of the apt due to I was injured on XXXX XXXX I incurred a XXXX injury along with XXXX side XXXX and they were aware of this and still continued to access me charges to my account and they also knew that my status was under Servicemens Civil Relief Act and didn't make the necessary changes to the account. This has continued to cause me and my family mental aguish and has affected mine and my spouse XXXX XXXX credit horribly. There scare tactics and not looking into someone's status especially dealing with health issues and charging unethical fees of adding on military discount fees back to our lease because we had to move out and not honoring the SCRA status of terminating my lease. Your attention and assistance to close this matter once and for all. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
There is a name on my report that is not mine which is XXXX XXXX i have never been by that name and always went by XXXX XXXX i am asking for you guys to remove the incorrect name on my file and the bankruptcy that is on my file is not mine its not my name please remove anything that has XXXX XXXX on it off my report please and thank you
I purchased a car over two years ago and Santander Consumer USA financed the loan. I was not aware at the time that the interest rate was over 16 %. This high interest rate raised my car payment to well over {$640.00}. At the time of purchase I was able to make the payment but after being demoted and pay rate being decreased, I contacted Santander for help and they offered me an auto loan modification for six months which lowered my car payments to a little over {$380.00} and I was able to make the payments for that time. I decided to seek another car and attempted to trade the car they financed in for a cheaper and more affordable car payment only to find out that the pay off for this vehicle was over {$30000.00}. I was told by the dealer that I was victim of a predatory auto loan where all of my payments were only applied to interest and not principal. I am trying to find out if this type of loan is legal and is there anything I can do to get them to lower my auto payments. The dealer stated the large payoff amount is the reason why I can not get into a cheaper car and why my principal payments are not going down? I have made payments in the amount of over {$12000.00}.
I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors. <P/>Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement. <P/>So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score. <P/>I was able to get in touch with Transunion via telephone to update my file information. The agent told me the security freeze was initiated by XXXX but of course I do n't know how to verify that information. <P/>I sent letters to XXXX and XXXX via USPS mail in efforts to get these security freezes lifted.
In XXXX, I paid balance in full on Home Depot account. On XXXX XXXX, I made a purchase in the amount of {$37.00}. Upon downloading my current billing, I noted that Home Depot applied a {$2.00} fee on XXXX XXXX for purchased made on XXXX XXXX. If I am not mistaken, I believe it is illegal to charge interest/fee on a purchase until it is billed.
I 'm applying for a home loan and just found out there a negative posted on my credit report. 
The creditor is the XXXX XXXX in XXXX, Texas. I 've shared an apartment there in the past XXXX XXXX ). When I moved to California in XXXX, I 've ensured with the apartment that there is not what soever balance in my name and asked them to remove my name off the apartment. Now, I found out that they have posted a balance over {$3000.00} against my credit report.
This debt collector is collecting a payday loan debt from 2012 that was done online XXXX This debt collector National Credit Adjusters as they are called contacts me on both my work phone number and cell phone numbers repeated even after being told not to contact me any further. This debt collector when they contact me on occasion when I have talked with them will not discuss the reason for their contacting me regarding this debt unless I provide them with my personal information even after verifying at least my name and home address or contact numbers as they have them. They want me to verify my social security number and date of birth which is well over the limit of verifiable information if you have already contacted the person you have reached. I have told them after verifying my name and home address and phone numbers if they can not continue the conversation with my personal identifiable information then there is no reason for them ever contacting me and to not contact me again.
On X/XX/17 I went to the TransUnion website to initiate a credit security freeze and followed their links to do so. It instructed me to make an account. It had me enter my credit card number WITHOUT indicating it would make any charge ( I assume this amount and authorizing a transaction would come later ). Unbeknownst to me, they charged {$19.00} ( monthly! ) fee and apparently I was signing up for their for-fee credit monitoring service which in no way was indicated on their webpage where I signed up. It never said it would make a {$19.00} charge. I clicked on " credit lock '', but then realized it was not the " security freeze '' I was looking for. Then I was able spend some time navigating around the website at that point to make a credit freeze and noticed something amiss when I was n't charged a {$10.00} fee at that time ( normal fee for the credit freeze ). No where did it say they were waiving the fee because I was signed-up for their paid credit monitoring service. Then, I checked my email to see if it was just a website error and I was charged the standard {$10.00} fee. That 's when I saw an email notifying me of the {$19.00} charge which was a complete surprise. I was unable to get through their customer service phone line due to " higher than normal '' call volumes to lodge a complaint. I felt deliberately misled by their website.
Even though I 've sent the forms in for income-based repayment, and can prove XXXX received because I sent them certified mail, they have claimed they have never received them. I 've also accrued several late fees because I can not get through on their phone system to get a repeesentative. Please help, I ca n't pay almost XXXX a month to them.anymore, I need n income based repayment.
I am continuously having an issue with Equifax putting a freeze on my credit report, which is interfering with the mortgage company from retrieving my credit report and score. I am in the process of buying a home and this is the only credit bureau that freezes my credit report and score. I have verified that the mortgage company is putting my information in correctly. I have also called equifax to verify and resolve the issue but equifax is not removing the credit freeze.
We purchased our home in XXXX and the loan was sold to NationStar in XXXX. Due to the market crash of XXXX, the value of the home never recovered. We moved to a different state and began renting the house in XXXX due to better job opportunity. At the 10 year mark, the ARM Loan reset with Nationstar to a 20 year fixed rate mortgage, about double our current monthly loan amount. No notification was sent, no updated paperwork, nothing, just automatically reset. My wife contacted them ASAP and began the modification process and was advised that the modification was in the terms of XXXX. Disputing this, we decided to move ahead with a modification to retain ownership of the property which we have been renting with a property manager since XXXX XXXX. We submitted pay statements 4 times ( via email and to their upload site ), letters of explanation three times, lease agreements on the home we are renting four times, rental agreements between the property manager and renters three times, property management agreements between us and the property management company three times, bank statements twice, etc. over the course of four months. Now, we get approval in early XXXX and were advised that paperwork on the modification would be coming ... no details other then payment will be about {$150.00} less then the refi 'd amount. Week goes by, two weeks go by, three weeks goes by and my wife receives a phone call, advised it is recorded and was pressured to agree to the new payment. My wife countered by saying..wait, we have not seen any paperwork ... what are we getting for interest, loan type, etc? Woman acted surprised and said she would email but wanted confirmation that we would pay ... WITHOUT SEEING ANY PAPERWORK. What sort of high pressure pushing is this? My wife confronted her about this and said she would email ... We both do not feel this is legal or a fair way to do business ... pressure people to approval a loan payment without any paperwork in front of them.
I filed an identity theft report with All XXXX credit reporting agencies. XXXX and XXXX did investigations, got me my documentation and results. Equifax did nothing. They ignored the Police report. They ignored the Identity Theft Affidavit. They ignored a letter from my attorney. Equifax never blocked any of the information as outlined in 
605B. BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [15 U.S.C. 1681c-2], because they never did an investigation. Nothing has changed on my Equifax report except the XXXX deletion that XXXX did because of the XXXX investigation. In 45 days since my attorney sent Equifax a letter and over 90 days since my XXXX letter and over 60 days since my phone call to XXXX, we have received NOTHING!! Just a credit report copy that says the same thing as last month. No investigation documentation stating how the investigation was done, if one was done, what each creditor said or anything else.
This is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$1000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Please note as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages. You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX SSN : XXXX
On XX/XX/XXXX, I was issued a loan from XXXX  for {$600.00}. To date, I have paid {$390.00} which has cleared and posted plus another {$130.00} which is in process for a total of {$520.00} ( 4 payments of {$130.00} ). Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. Once I make my fifth payment of {$130.00} on XX/XX/XXXX, I will have paid {$650.00}. To pay the {$90.00} fee, I would owe a remaining amount of {$32.00}. I will pay that amount on XX/XX/XXXX. 

The XXXX website states I still owe {$670.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$390.00} which has already cleared, to collect another {$670.00} from me would mean XXXX will receive {$1000.00} on a {$600.00} loan. 
This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my fourth payment ( XX/XX/XXXX ) and fifth payment ( XX/XX/XXXX ) of {$130.00} each are posted to my account, I will only owe {$32.00} to pay back {$690.00}. I will pay that on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.
They call me multiple times a day for a debt that was already taken care of. I have asked them numerous times to verify this debt, and their response is just the amount I owe. Then they try to barter with me and say if I can pay half, they 'll close the account and not send this to the credit bureau. Since they are haggling with me on what I can pay, and do n't verify this debt - I believe this is a scam.
I am part of the Equifax Security Breach that occurred in XX/XX/XXXX and that was publicized in Early XX/XX/XXXX. I feel that Equifax did not do enough to protect my personal and highly sensitive information from this breach. I am now worried that my personal information is at risk for identity theft and other fraudulent uses. I do n't think one year of credit monitoring will protect me from this massive misuse of mine and millions of other 's personal information.
During a data breach at Equifax in XXXX of 2017, my personal Information was stolen from their systems. The information included date of birth, social security, and drivers license. This has left me vulnerable to fraud. Equifax offered to provide fraud protection but only if I waive my rights to sue them for damages due to their inability to protect my information.
Ocwen has constantly harassed and left door tags at our home when we have not been late. Our mortgage is current and our payments have been doubled. I ask about the fees and extra charges but never get a explanation. They have also not accounted for payments causing late payment fees which we should never have had.
Freedom Mortagage has not sent us the {$1200.00} that was remaining in our escrow when we sold our house. The house closed on XXXX and we should have received it by now.
Professional Accounting Services call my home several times a day to collect on a debt that is n't mine. They were told this. They continue to harrass me. i am a senior citizen and they are trying to scam me. Whoever they represent needs to understand I am not responsible and to stop calling me.
I have been making automatic direct payments to America 's Servicing Company for over eight years and recently discovered they 're not reporting my payments to the credit bureaus.
All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.
Reference : Complaint # XXXX Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response Reliable gave payment extensions to all clients who needed such relief, after XXXX XXXX hit the island last XX/XX/XXXX. The extensions were for the payments due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XX/XX/XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XX/XX/XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, since he had made the XX/XX/XXXX installment payment before the hurricane hit, we have proceeded to extend his XX/XX/XXXX installment ; thus making his account current and his credit history XXXX.
I have a old defaulted credit card account originally with XXXX XXXX/XXXX XXXX it is several yrs old. It was bought by XXXX XXXX XXXX. They immediently " parked '' or " re-aged '' the debt ON MY CREDIT REPORT AS OPEN. I DISPUTED WITH XXXX XXXX and the collection agency and was was Told by XXXX XXXX that it Met FCRA AND I DONT THINK IT DOES. 
also XXXX XXXX ding loc had placed the account with. 
XXXX XXXX collections I was contacted by them agreed to a settlement amount of {$170.00} And was sent a settlement letter by email was I received it I called to make the payment and was told that XXXX XXXX had pulled the account because I had complained about their reporting practice.they then put it back on my credit report and gave it a newer date
Several times over the past year or two, ever since I have had a Citi XXXX credit card, I have been harassed by Citi about a possible 'fraud alert ' due to spending {$1.00} at a XXXX XXXX convenience store for a cup of coffee. Their continued text messages and voice mails - which cost me $ $ $ to receive - are annoying, and having my credit card turned down is embarrassing and completely unnecessary. 

I have asked them several times, through the message center of their web sites and via phone, not to contact me about a {$1.00} charge at XXXX XXXX. A customer service rep with whom I spoke said that she would put a note on my account not to contact me about such charges. Obviously, either she did n't put the note, or nobody bothers to read it. 

I have made numerous purchases of a much larger dollar amount at various stores and online, which they have not flagged as potential fraud. Yet at various XXXX XXXX stores, when I make a puny purchase, they decide it looks suspicious. Do they really think a scammer would steal my credit card just for {$1.00}?
I contacted XXXX XXXX XXXX customer service on XX/XX/XXXX. I asked about the policy on removing 30 day late payments the representative I spoke with told me that conns does provide a 30 day curiosity removal to customers that have never been late or have a history of late payments just email a letter requesting the late payment be removed, along with a copy of a credit report showing the late payment. On XX/XX/XXXX, I faxed those documents and called XX/XX/XXXX to ensure they received it and they did. I spoke with a manager who gave me the same information that the first representative gave me. However, I was told from the first representative that I would receive a email within 48 hours with the findings, which I did not. When I called and spoke with a manger on XX/XX/XXXX he told me I would receive a email within 3-5 business days, I did not. I called again on XX/XX/XXXX and spoke with another manager and told me that my request was denied. I have still not received a email or letter stating what the findings were. They had my wrong address on file so I 'm not sure if they sent it to the incorrect address. I did update it. My complaint is that the staff is not adequately trained and they do n't have the correct information, I am in the process of trying to purchase a home and they have given me false hope and information. My issue is that the creditor XXXX XXXX XXXX is acting unreasonably and not providing with the documentation in the time frame in which the said they would. I am requesting that this late payment across all three bureaus be removed as it was stated to me that they could be.
Specialized Loan Servicing ( SLS ) claims it did not review my updated profit & loss statement that was submitted during the modification review process because it was signed electronically. 
SLS acknowledged in letters to me dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, they received my updated profit & loss statement on XXXX XXXX, XXXX and it expires on XXXX XXXX, XXXX. 
SLS never contacted by email, phone or in writing that there was any concern with the profit & loss statement. I contacted SLS and talked to their representatives through out the loan modification process many times and was never informed of any concerns about my updated profit & loss statement that was in their possession. 
Moreover, In the State of New Jersey - NJ Rev Stat 12A:12-7 ( XXXX ) - Legal effect and enforceability. A record or signature may not be denied legal effect or enforceability solely because it is in electronic form. A contract may not be denied legal effect or enforceability solely because an electronic record was used in its formation. If a law requires a record to be in writing, an electronic record satisfies the law. If a law requires a signature, an electronic signature satisfies the law.
On XX/XX/2018 XXXX XXXX XXXX XXXX sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***Credit Systems who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call XXXX XXXX XXXX said I have the Letter and they should change the Balance to XXXX. Called National Credit Systems and  they said FLAT OUT NO.
American Express has been calling me relentlessly every 2 to 3 hours for the past two to three weeks and they do not respond to faxes to cease and desist.