WillisBack/dataset-financial-user-claim huggingface dataset:
We are a non profit counseling agency in XXXX, we submitted a a loan modification package to Ditech Financial on XX/XX/2017, Ditech 's representative stated that the loan modification was under review and it will take them 5 days to complete the review. I called on XX/XX/2017 and I was told that they needed another 5 days to complete their review. Today XX/XX/2017 I was told that there was no update from underwriter or representative working on the case. The client received a court notice ( to appear in court XX/XX/2017 ). The lender even told me that they will continue the foreclosure process. They are double tracking. They have a COMPLETE package requested.
In XX/XX/XXXX I notified Amsher Collection Services ( ACS ) that their collection was not valid. I was never a patient at XXXX XXXX XXXX in XX/XX/XXXX, and requested they produce evidence, i.e. any document with my signature or any medical records with my name. I disputed this with the credit bureaus. Result was that the ACS refused to produce any evidence of my debt, re-aged the debt to the date that I protested it, refused to remove it from my credit report, and have not bothered to report again in over six years. It is now passed the statutory limit for collection and I want it completely removed from my credit report.
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX - XXXX
I received XXXX fraudulent charges posted on my Macy 's credit card on XXXX/XXXX/2015 for a total of {$17.00}! Over 6 months later I still can not get this resolved after numerous calls to the Fraud department, credit department and many faxes. I called immediately when I received the first bill and was told not to pay the bill, instead to fill out a Statement of Fraud. I did that, but kept getting bills each month for more and more money because of finance charges and late fees. The {$17.00} is now {$230.00} due to all fees they have charged. I call every month and they tell me not to pay it, not to worry and have said it is not with collections, but they call my house at least 3-5 times a day,7 days a week, and tell me the only way they 'll stop calling is if I pay. I can not get them to remove the charges, or stop calling. This is horrible. I know the card was not used by anyone because it was in a safe in my house. I want something in writing from them saying this is not on my credit report.
Credit Dispute Summary Orion Wise case # XXXX - re card ending # XXXX SSN last 4 # XXXX Capital One assessed an inaccurate 30 DAY LATE payment for my XX/XX/XXXX credit payment on my account ending x1403. I had set up recurring payments for 12/1/16, got a confirmation via a phone call with one of their representatives in XX/XX/XXXX that it was confirmed, and scheduled/made the payment on XX/XX/XXXX. Capital One then reversed it on XX/XX/XXXX without notice, and assessed a late fee. I disputed this, then got them to accept payment over the phone on XX/XX/XXXX, and they waived the late fee in recognition of their error. Instead of doing as agreed, they then reported it to all major credit agencies as a 30 DAY LATE instead of Paid As Agreed. I have been trying to get this error reversed for the past 21 months.

I have incurred {$570.00} with XXXX XXXX  to get the error removed in addition to notary fees of {$45.00}, as well as 50+ hours of email, online, chat, and phone disputes. I am not seeking damages at this time, I just want the error corrected as agreed in my XX/XX/XXXX discussion with the representative from Capital One.

Until its reversed, this will be my only late payment in my entire life. As a matter of principle, its wrong, and my entire credit history reflects my good standing to support this as well. This is all over a {$100.00} charge which I set up to pay automatically from an account with over {$47000.00} in it at the time of payment ( source docs below ). I am disputing Capital Ones report of the payment as late due to the fact it was scheduled, paid on time, and the account had ample funds. They chose to reject the funds of their own accord even though funds were available, and to make it even more ironic, they then accepted funds from that same bank over the phone. This might be a predatory practice, but I dont care, I just want my credit restored to Paid As Agreed.

In addition to the above, below are the steps I had to take with Capital One before even setting up recurring payments : They refused to accept payment from my primary bank XXXX XXXX ( XXXX XXXX XXXX  ) for the duration of my tenure as a cardholder. I had to have a conference call with a representative from XXXX XXXX  in XXXX and representative from Capital One inXX/XX/XXXX where the Capital One Representative confirmed they would not accept payment from my bank. I opened this bank account when I was XXXX years old, and use it for all my credit cards.

I enrolled for automatic payments with my XXXX Account instead to ensure no payments would never be missed, as I have with XXXX, and XXXX XXXX XXXX   cards. The website confirmed these were set up. The website does not send a verification email, just a pop up in the enrollment window. My bank however confirmed these were set up. I have source docs for this. The payment showed as posted on XX/XX/XXXX.

I cancelled my card in protest since I had perfect credit history since and before XX/XX/XXXX, but the approximate 40 point loss due to this inaccurate report has caused me financial damage.

I just want the mistake reversed, I'm not seeking damages Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Company sent me a copy of my old personal info being scratched out and replaced by someone info and then sent me a collection bill. I have not done any business with this medical office for the last 5 years!
Replacement information for case number XXXX On XXXX/XXXX/2016 I requested validation of a bankruptcy on my credit report reference numbers XXXX Bankruptcy Chapter XXXX, XXXX Bankruptcy Chapter XXXX, and XXXX Bankruptcy Chapter XXXX, providing me with any viable evidence bearing my signature submitted by United States Bankruptcy Court to validate this bankruptcy. Equifax failed to provide me with validation and only provided me with a letter stating that it was verified. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record. 

I placed a security freeze on my personal public information with XXXX on XXXX/XXXX/2016 and XXXX verified that the freeze was placed on the on XXXX. The representative XXXX stated that no one has requested my information and it is not showing in their system that anyone has requested my information. However according to the results of the disputes that I placed with Equifax they are listed on the report as verified. I contacted Equifax and Equifax claims that XXXX sent them paperwork to verify that the public records are mine. The Equifax representation stated that it was verified on XXXX/XXXX/2016. This is a great concern to me because my rights have now been violated by Equifax or even XXXX.
I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to Discover sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named XXXX XXXX XXXX. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with XXXX   for an auto deduction, I looked online at the XXXX Muni court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.
WAKEFIELD AND ASSOCIATES have wrongly tried to collect the a debt that i did not owed to them amounting to {$3500.00} and have ruined my credit. My insurance had paid the hospital in excess of {$10000.00} but still they are pursuing me from XX/XX/2014.
I have had  Wells Fargo  for over several months. I believe they have been stealing money from my checking account. I continually try to add the transactions listed on my account but it never adds up properly,  one day I may h ave a few thousands of dollars but then several days later it would be over drafted without a single transaction occurring. But the second and main purpose of my complaint is because i was  XXXX  in the beginning of  2017  by the  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back  to america I a cted accordingly and notified the bank immediately afte r finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) and did everything correctly. I also notified the bank that I have Military orders that show I was out of country but within two days after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of over   XXXX    transa ctions and over {$1000.00} of my hard earned money was denied.
The following credit inquiries isted on my Experian credit report is fraudulent and unauthorized : XXXX XXXX XXXX from XX/XX/2018 and XXXX ( XXXX XXXX ) .The credit inquiries is fraudulent and unauthorized.
I had a bankruptcy judgment in 2014 and only XXXX is reporting it. I need equifax and XXXX to report bankruptcy.
I declared bankruptcy in 2013. I was approved for bankruptcy. This company continues to call me, my family, and my place of employment threatening me with lawsuits and arrests. I have given them by lawyer 's information at least 10 times, and they continue to harass my family and I.
I have filed a complaint four different times and they continue to send the same standard letter saying they find it as a valid inquire, yet the company has told me it was concerned that it was fraud and they cancelled the approved loan. I have tried to upload the fraud form and their system does n't provide for a way to upload this form. This is my personal information and yet they wo n't change my file to reflect the truth. How are these reporting agencies allowed to share a persons personal and financial information to anyone without any regards to the actual consumer, and in turn will not provide any information the actual consumer but instead protect the person committing the fraud.
Equifax is reporting negative accounts on my credit file that are listing me as an Authorized User. I don't want to be on anyone else 's credit. I called XXXX XXXX XXXX XXXX and they stated that they requested Equifax to remove me from the account. Equifax refuse to do so I contacted XXXX XXXX and the same response, however, Equifax continue to report this information on my credit I contacted XXXX XXXX and the exact same response, again Equifax refuse to remove this from my credit. 


I filed a complaint on Equifax and they responded that they are still working on the issue. It has been close to 90 days since I have disputed this error on my credit file with Equifax I still have not received any response to my disputes or anything from Equifax, yet they are still reporting the accounts that are not mine on my credit file. I am being denied credit and a job due to Equifax reporting these errors on my credit
LexisNexis is reporting false, incorrect and inaccurate information to all three ( 3 ) credit bureaus. They have a total of 3 bankruptcies on my file. I 've never filed bankruptcy. Let alone 3 of them! They claim they received the information from the courts. The courts do n't verify or release any information. ( Privacy laws ) LexisNexis never verified any information they are reporting on me. They are making profit off of false information and it has had a huge impact on my life. It 's against the law per the FCRA.
Threatened to send my personal information to debt collection agency and collection agency send me bill triple then medical due amount.
I have a Wells Fargo Financial National Bank credit card/XXXX XXXX XXXX XXXX that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, Wells Fargo never sent any alerts regarding promo-balances coming to the end of their designated time periods. Therefore, the balance came up without notice and my balance more than doubled ( over { {$1000.00} } in interest charges ). I ca n't imagine that they would have no obligation to actively notify me that the promotion is coming to an end.
I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to equivalent with these papers and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.
Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to  creditor : Synchrony Bank. The debt collector is XXXX. XXXX offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. 

Daily phone calls plus one mailing. 

I do not owe this debt, as this XXXX XXXX XXXX/Synchrony account is not mine. I did not open these accounts.
1 ) .XXXX County.Clerc Of The Circuit Court Style : XXXX XXXX XXXX XXXX , Morgtgage Pass-Thtough Certificates Series XXXX-XXXX XXXX Uniform Case # XXXX Clerks Case Number:XXXX Court Type : Circuit Civil Case Type : Homestead Residential Foreclosure Judge : XXXX XXXX XXXX Case Status : Disposed Last Docked Date:XX/XX/XXXX Filed:XX/XX/XXXX. 

XXXX, XXXX ( Plentif '' s Attorney ) XXXX XXXX Fl, XXXX Amout Assesses {$1900.00} Amount paid {$1900.00} I never been a Tenant of XXXX XXXX, and never lived at this address. 

2 ). Style : XXXX XXXX vs XXXX XXXX Uniform Case # XXXX Clerk Case # XXXX Court Type : Circuit Civil Case Type : Non-Homeestead Residential Foreclosure Judge : XXXX, XXXX XXXX Last Docket Date:XX/XX/XXXX Disposition Judge : XXXX, XXXX I never been contacted about that even. I never been her Tenant. Amount paid {$1900.00}
Quicken Loans is not reporting my mortgage to the XXXX credit bureaus. On my credit report, it states account is closed. This is affecting my credit rating. I was granted bankruptcy in 2013 for credit card debit. I have never been late on any mortgage payment. My account is current. Quicken Loans has been non compliant to any of my inquiries since the date of filing bankruptcy.
Address information - Current is XXXX XXXX XXXX, XXXX XXXX XXXX. 
My informaiton has been mixed with my brother 's information. The following information needs be removed and placed under SSN XXXX instead : Personal Information - XXXX XXXX XXXX,, XXXX XXXX XXXXAccount information-XXXXAccount # XXXX XXXXAccount # XXXXAccount # XXXX XXXX XXXX XXXX XXXXAccount # XXXXAccount # XXXXAccount # XXXXAccount # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Additinally the following info is also inaccurate : Former Address2 - XXXX XXXX, XXXX, XXXX belong to XXXX XXXX XXXX ( USPS ' mistake for not able to tell the difference between " XXXX '' and " XXXX '' ) Former Address3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX belong to XXXX XXXX XXXX ( my brother )
" Portfolio Recovery Associates '' is calling me every single day from different telephone numbers for the last 8 months. 
To today I have counted 233 phone calls from XXXX different phone numbers in the last 8 months.
Barclaycard 's  XXXX  card line was offered to  XXXX   XXXX  military personnel with 0 % interest and no annual fees for as long as you remained on  XXXX   XXXX . I have been a cardholder for over an year and have made this card my primary card during this period.     Since then, the company has reversed its policy twice. First they ceased to promote and offer the initial  XXXX   XXXX  military benefit under thei r Servicemember 's Civil Relief Act  policy, though not retroactively applying this reversal to current cardholders. Second, they further modified their policy to also retroactively apply all fees and interest to current cardholders as well.     While the term offers were very generous, the sudden policy change forces cardholders to either close the card account on an account with recent credit inquiry or pay a significantly greater fee than what was originally marketed.     Finally, when complaints have been made about the reversal of policy, adjudication of those complaints appears to be arbitrary, with no clear guidelines or expectations on what drives decisions to honor or revoke the original agreement.
My parents took out private student loans with the now defunct XXXX XXXX XXXX back in 2006 with me as the primary account holder. At the time, the financial crisis was wreaking havoc on our lives and we were forced to take out loans with who ever would offer them in order for me to finish college. After I graduated, the company went bankrupt then split and sold off its loans to other holding companies. These companies either did not reach out to me, or reached out to me at old addresses. 

The splits and buy outs meant that I now had many more loans with many more companies. Having an unknown number of companies to find and contact about what debt I had with them made it very difficult to get my finances in order. As such, XXXX of my loans fell through the cracks and ended up with very large late fee and interest build ups as I did n't even know they existed. 

Since finding that I have these outstanding loans, I have done all I can to come into good standing with them via some type of rehabilitation program. XXXX company, AES, currently would like me to pay an outstanding $ 16,000+ before they will allow me to begin paying the loan amount of {$31000.00} + interest. They will not take any type of negotiation and at this point have assured me that I will be unable to make any progress with them unless the {$16000.00} is paid in full. As you can imagine, this is simply impossible for me. 

I am not looking for someone to step in and erase my debt. I knowingly took on the original loan, and I intend to pay for it as I should. I am however, looking for a way to be seen as something other than a dead beat for attending college. I went to school and worked as hard as I could to be successful in my field. Since graduating I have done just that, but have been treated like some kind of criminal due to these marks on my credit report. 

Any help would be greatly appreciated.
On XXXX XXXX, XXXX, XXXX agent foreclosed on my house. After the completed foreclosure sale, the substitute trustee executed a trustee 's deed to the XXXX XXXX XXXX XXXX XXXX. XXXX filed an eviction suit and was awarded Judgment of Possession. 

On XXXX XXXX, XXXX, I filed a lawsuit to stop a post-foreclosure wrongful eviction. This lawsuit XXXX is currently pending in the XXXX XXXX XXXX XXXX XXXX because the Defendants ( XXXX and XXXX XXXX XXXX ) was granted leave to file an answer to the complaint more than two years late. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX filed a late answer to the lawsuit and included the following affirmative defense : XXXX. Should Plaintiff be awarded any damages, Defendants are entitled to offset and recoupment in the amount the funds due and owing at the time of the foreclosure sale plus reasonable market value rent from the date of foreclosure until the service release of the loan to non-party Nationstar Mortgage , LLC. 

As per the aforementioned defense, Nationstar 's predecessor, XXXX XXXX XXXX, is asking for rent after the foreclosure sale on XXXX XXXX, XXXX in their answer. However, Nationstar contends I owe them more than {$110000.00} for the same loan their predecessor foreclosed on. I have not executed any loan agreements to XXXX XXXX XXXX or Nationtstar since the foreclosure sale on XXXX XXXX, XXXX. 

Nationstar is reporting this fraudulent, incorrect, and false information to a third party, the credit bureaus XXXX XXXX XXXX XXXX is claiming the house was foreclosed and they are seeking rent post foreclosure. 

Nationstar is claiming I contractually owe them from XXXX XXXX. 

To add on, Nationstar is reporting to XXXX that the loan is a contested foreclosure. 

Nationstar is reporting contradictory and false information to XXXX the credit bureaus, and me. 

Nationstar has not been able to validate their debt collection activity. 

XXXX XXXX XXXX and Nationstar are colluding and harassing me to collect a loan that was satisfied from foreclosure proceeds four years ago. 

I will be filing this complaint with the XXXX, XXXX XXXX XXXX XXXX ; since my loan was XXXX insured loan. 


I 've included the following documents to substantiate my claims : 1. The Defendants ' Late Answer excerpts XXXX XXXX. XXXX ) 2. The most recent docket entry of the pending lawsuit, XXXX. XXXX ; Order Continuing Stay dated XXXX XXXX, XXXX These are records that are documented in the Federal Court that are undisputed.
Just got an unsolicited debit card by mail, a " XXXX XXXX XXXX Prepaid Mastercard by XXXX '' issued by XXXX. Considering that an identity thief has recently been using my personal information to request credit cards, this has given me quite the fright. Need I be worried about fraud in this instance? If this is not a case of fraud, should a business practice be allowed that is easily mistaken for fraud and identity theft and that causes customers hours of pain, worry, and loss of personal time? I tried to resolve this by phoning MasterCard, XXXX, and XXXX, but was unsuccessful since every phone number tried directed me to menus that automatically disconnect if something off-menu is wanted. If it is ok for these companies to issue unsolicited cards, they should at least be required to make it easier to resolve worries about fraud such as mine.
For the past XXXX Months XXXX XXXX has sent Transunion the information for this credit card and Transunion is not adding it and every time i call them they say they do not see it. It was on my credit and they accidentally removed it and will not put it back on. XXXX XXXX has sent them official documents for it with no luck.