WillisBack/dataset-financial-user-claim huggingface dataset:
The mortgage company is not paying the taxes from escrow on time. 
1 ) They did not process the payments to tax authorities on time or they sent wrong amounts. 
2 ) Even after multiple phone calls and escalations the problem persists. 
3 ) They deducted the penalties from my escrow account although it is there mistake. 
4 ) Now one of the taxes have gone into Lien.
They will not answer calls to discuss debt repayment options! I continuously call their customer service number, navigate the automated system, am put on hold, told I will speak with the next available assistant in order the call was received, then told by computer voice that there is heavy call volume and to call back at another time and then I am disconnected.
The company First Heritage Company, garnished my wages at my previous employment for a period 6 months. The garnishment was satisfied and I got the account removed from my credit report. They are attempting to re-garnishment my wages, without properly notifying me nor sending me any sort of statement of what is owed if the balance was not satisfied. This company is located in XXXX, Tennessee. I have located the county clerk office who will be giving me a copy of my garnishment paperwork showing the judgment has been satisfied.
Some one opened two accounts in my name at XXXX a town I do not live in. This is identity theft and it is the second time that has occured XXXX.
The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until   XXXX   XXXX    , I was unaware of this creditor and upon finding out requested documentation through  XXXX   XXXX   XXXX  dispute. Upon not receiving the information requested, I contacted th e JH Portfolio directly through the   XXXX   XXXX   XXXX   (  XXXX  ) com plaint ID #  XXXX  on   XXXX   XXXX   XXXX     to remove this debt based on not being given the opportunity to dispute the debt in question.  JH Portfolio  responded to my complaint on   XXXX   XXXX   XXXX     that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on   XXXX   XXXX   XXXX    , however, I was unable to open the PDF.     Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on   XXXX   XXXX   XXXX    . I was told that Credit Control LLC is a third party collector for  JH Portfolio  therefore they do not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the  XXXX   ( i.  e.  signature contract agreeing to pay  XXXX  they need to retract this from my credit file immediately.
I have had a Macy 's credit card XX/XX/XXXX as this is the best way to get coupons and save money purchasing items in the store. The discounts are good. Up until about the XX/XX/XXXX I have not had an issue with my card. I pay off my card immediately after using it and I only have it to get a better deal. The sales people push their line of credit while you check out in the store. On XXXX XXXX I made a purchase of {$150.00} and paid it online when I returned home through the Macy 's Credit Card site I never received a statement, I am signed up for paperless statements through my email. This did n't surprise me because I had already paid the bill and did n't have a balance, or so I thought. At the XX/XX/XXXX I was billed {$150.00} plus a {$25.00} late charge and finance fees. The bill was now {$180.00} and change. I called Macy 's who said my bank must not have processed it. I called my bank who told me that the issue is with Macy 's site as that payment was made on their system. I called Macy 's again..They were not helpful and continued to blame my bank. At that point I made XXXX payments in XXXX to get the balance to zero as I do n't want to ruin my credit. I did n't use the card again until XXXX days ago XX/XX/XXXX. The bill was {$56.00}. I was about to login today to pay the balance when I received an email with my Macy 's statement which seemed odd since I had just made the purchase. The bill was {$60.00} and change. I attempted to login to the website to see what the extra {$4.00} charge was. The site was down. I called Macy 's credit card customer service and spoke to XXXX different people before my issue was resolved. I spent over an hour on the phone. XXXX of the persons I spoke to did say the site was down and that some could login and others could n't. I do n't believe the first person even listened to what I was saying and kept trying to get me too pay the minimum {$4.00} payment and telling me that there was a late charge as the bill was due XXXX. I explained to him multiple times that I received the bill today so I could n't understand how there was a fee on a product I bought XXXX days prior. I am annoyed that I did n't pursue the fees from XXXX. I did some research and I noticed there are many others complaining about the same issues I had, website not working, getting late fees and not receiving statements. I believe this is fraudulent activity and I would hope Macy 's would care enough about their customers to do something about their horrible credit card company, especially because they push it on all of the customers that are checking out and it is the best way to get good shopping deals. If you check the history of my account prior to this XX/XX/XXXX you can see that I have consistently paid all my bills in full. This credit card company needs a wake up.
Have me owing XXXX to an apartment complex where I never lived I never lived there or ever gave anyone permission to use my name to live there. Please provide me with information on this because I will file a police report against this company. And also sue them for putting false information on my credit report which is against the law.
A fraudulent charge appeared on my statement. I called the credit card company at XXXX XXXX  EST and spoke to XXXX. He wasn't at all helpful. He wanted to me to do things I was not comfortable doing.
I had my credit report pulled on XX/XX/2017, on that date I was showing a 30 days late for XX/XX/2017. I submitted a dispute and the credit bureaus said it is resolved but as of XX/XX/2017 it still shows a late. How on earth can I be 30 days late for XX/XX/2017 when we were on the XXXX day of the month.
They are restricting access to my financial data. I am using a program to help me reduce debt and I need it to be able to connect to my account but Capitol One is not allowing that ability. I have the right to my financial data through whatever means I deem suitable. It is a violation of my rights if they restrict access to my financial information
So I leased bedroom furniture through Acima credit. And I have had this furniture for almost a year with no issues or missed payments. All of a sudden I received and email saying my account was passed due. So I reached out to Acima Credit in regards to the past due amount and ask if they could put the past due payments to the end of the loan and of course they said no. Honestly this company is so ridiculous with not working with people who were on time since they leased this furniture. I cant afford to pay them the past due amount only weekly payments which I was doing. And please take the late payments of my credit. Honestly It was them who stopped taking payments.Yet they harass me with repossession threats!
In XX/XX/XXXX, I received an offer of 0 % promotional APR on all new purchases until XX/XX/XXXX. I  took the advantages to advance {$20000.00} on XX/XX/XXXX and another {$20000.00} on XX/XX/XXXX after paying a balance transfer fee of {$2000.00}. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. Not only that I never owe on the new purchases, my balance has always been way below {$40000.00}. However, CitiCard keeps charging me high interest rate on my purchases, I called three times to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the {$40000.00} cash advance. I was advised to pay off the {$40000.00} or not to use the credit card at all. 

Since I have prepaid {$2000.00} balance transfer fees, it is not fair for me to pay off the {$40000.00}. I have quit using this credit card in the last two months, yet there are still pre-set automatic payments from this credit card account.
I try to apply for credit card with TD Bank fot the XXXX XXXX XXXX XXXX and i was Denied XX/XX/XXXX on Applying for a Credit Card With TD Bank and Inquiry was Posted on my Credit Report Until XX/XX/2020 and the reason why i was Denied Insufficient credit history showing on my XXXX  Report i contacted XXXX and there is not problem with my Credit Report and i have good credit score on my credit to be denied for a credit card account with this Bank.
Please validate this information and provide me with copies of any documentation associated with these inquiries, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 





XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   declines to remove these unauthorized inquiries ... creditor stated that their company could not remove and apologized for the trouble .... 

Transunion is no better ; they have 11 unauthorized inquiries that they decline to remove ... and will not forward me any documentation bearing my signature ... creditor stated that they have no power and do not encourage bureaus to keep reporting unauthorized inquiries ... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In the Spring of XXXX, I was informed by paypal that my account would be closed for non payment on over {$4000.00} dollars on cash card purchases paid for with my paypal account. I told paypal that I hadnt used the account in over a year and the last time I did use it. The balance on the account was XXXX dollars. They investigated and said it couldnt be id. Theft or fraud since the cash cards purchased came to my address. They did agree that at one time the amount owed was XXXX and some but it had been charged up with purchases of XXXX dollars over a years time from XXXX to XXXX. 
A ] arently my wife or my adult son who stayed here briefly in XXXX found the account info and used the account without my permission. My son hss since been charged with forgery, identity theft and forging an instrument. None involving paypal. 
Today,XX/XX/XXXX I was contacted by a collection agency about a Paypal accout that has grown to XXXX dollars.
I friend XXXX dad sent me a friend request on XXXX last night and I accepted. He started off by telling me if I had heard from the XXXX and I said said no what is that? He said he had seen my name on the list and to text them at XXXX. I did because I know and trust him. He stated t he had received money and that since he seen my name on the list I need to contact them. I was connected to a XXXX XXXX and he asked me some questions and said I indeed was eligible. I had XXXX XXXX 's dad telling me me what to do through XXXX. I did what he asked and I sent XXXX through Money Gram this morning. Come to find out XXXX 's XXXX account had been hacked and I was not speaking with him at all. I did not know this at the time. I have made copies of all messages between both men. I was deceived and scammed by these men! I am on Social Security XXXX and can not afford to lose XXXX. I was up until XXXX researching this and did not feel right, but thinking XXXX was XXXX I trusted him. I am now out of XXXX.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Security National Automotive Acceptance CompanyI was a XXXX in the XXXX XXXX and got behind on a car payment do to a divorce. I was attempting to contact this company to fix it when they began to call and threaten me over the phone to include contacting my commanding officers. I let them take back the car becouse I no longer wanted to deal with them. They still started going after me for the full amount of the cars worth even after they sold it. I went to court against them and the judge agreed that I did not have to pay the full amount and took about XXXX off what they were trying to get from me. I was paying them back XXXX dollars a month until I got a honorable discharge from the XXXX and they put XXXX owed in collections on my credit report. I ended Up fighting them with XXXX and they took everything off my report. Years later about XXXX they have started calling and harassing me again and have placed the amount of XXXX back on to my credit report.
When recently purchasing a new XXXX vehicle, I went online to the Ford website and got pre-approved for their financing. The website directed me to print out my pre-approval and take it to the dealership when purchasing the vehicle. When I went to the dealership, I gave them my pre-approval. They made me fill out a whole new credit application even though I questioned why I was being asked all the same questions I had answered online on the Ford website to obtain approval already. They said that they did not have access to that information, even though the Ford site said that the dealership would be able to look up my information and provided a reference number for them to use to access my pre-approval. I believe the dealership ran my credit again unnecessarily.
I received a letter from Diversified Consultants, Inc claiming to have taken over an XXXX XXXX XXXX XXXX debt with. The letter is dated XXXX promising to commence collection efforts in 30 days. Efforts were made to collect this debt that does n't belong to me before. XXXX XXXX XXXX said the have no record of this debt. I am no longer a client of XXXX XXXX XXXX and paid all outstanding bills. I initiated a dispute of this debt when it appeared on my credit report under XXXX and it was resolved and removed. This is a scam mow
This company is nothing but incompetent. We called on XX/XX/XXXX requesting that our due date change be moved from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. We were told when we initiated the loan that after our first payment, this would not be an issue. We were NOT told that it was too close to the due date to change. We were told it had been taken care of. 

When we first called, they said it was taken care of and to check back in 72 hours. We did. We found out that instead of a date change, they had filed a deferrment, and our due date change wasn't even logged. No worries, as we still had time before our due date, and we could fill out the form again. They assured us that even with the forms, it was ok, because there is an 10 day grace period after the due date. So we did, we asked again. And again, and again. We were repeatedly told that our due date would be the XX/XX/XXXX, until well past the XX/XX/XXXX of the month. My husband had been the one calling, but I called on the XX/XX/XXXX to find out what was going on, and I was told there was no record of him even CALLING. When we called on the XX/XX/XXXX, we were told that now our account had been charged interest and late fees. We stated our situation, we were promised a due date change. We had " supervisors '' tell us that they would waive the late charges because of the previous employees mistakes. We What they didn't tell us, was that they would be charging additional interest for every day passed. 

I spoke with XXXX, who initially claimed he was management. This was a lie, as when I called again to speak directly to him, he said he would be forwarding a due date change request to management. Management has yet to receive any of our requests, so I am starting to believe this " management '' does not exist. I told him I would make our normal car payment of XXXX today, and escalate the fees and interest to management. He said it wasn't possible for me to make less than XXXX, which was the new charge with " interest ''. 

I told him I was done with the call, and would make the payment online, and he said that wouldn't be possible. I made the payment online after we hung up, another lie. 

We have been lied to, charged ridiculous fees for things we were promised would be resolved, and have been put through an intense run around. I am beyond fed up with this company, and they need to be investigated for their beyond shady practices. 

DATES OF CALLS : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Ive tried to talk to a human and Im convinced this company that is calling is fraudulent. Im also convinced I do not owe them any money because I pay my debts, even if Ive had to pay late. You can not talk to a live human on the phone, its ridiculous! They call anytime of day, several times a day ... there is no end in sight!
Amount placed on collection is XXXX, XXXX dollars reported by XXXX on XXXX XXXX, XXXX, they knowingly reported a collection as delinquent which has adversely affected my credit, this is a workers comp case which is still pending and this should have never been placed in collections, this is a violation of the FCRA and this needs to be addressed.
Monthly payment for XX/XX/XXXX made on XX/XX/XXXX, debited from my bank on XX/XX/XXXX.
Shortly after making payment, enrolled in direct debit/automatic payment for slight reduction in interest rate ( not notified, found on their site on my own ).
After enrolling in direct debit, account summary showed that I had a new payment due for XX/XX/XXXX on XX/XX/XXXX.
Suspended direct debit for one month to avoid making two payments, and contacted FedLoan customer service to address the error. Was told that they would correct it in their system.
Followed up with FedLoan on XX/XX/XXXX when my account still showed a payment due on XX/XX/XXXX. Was told again that they would correct it in their system but that it would take 10 days for it to be reflected on my account summary.
Checked my account summary on XX/XX/XXXX and it still showed payment due for XX/XX/XXXX.
Notified via email that my payment for XX/XX/XXXX is three days past due onXX/XX/XXXX. Called FedLoan customer service which then verified I had made a payment for XX/XX/XXXXand that it had been applied to my account, and reassured me they would correct the error.
Received another email on XX/XX/XXXX stating my payment was one week past due. Immediately sent them an email describing the series of events listed above, have yet to receive any response other than they have received an email from me.
As of XX/XX/XXXX my account is showing a payment made for XX/XX/XXXXon XX/XX/XXXX, and payment due for XX/XX/XXXX on XX/XX/XXXX, and a direct debit payment scheduled for XX/XX/XXXX.
On XX/XX/18 I deposited XXXX into a Wells Fargo savings account to a person who posted an ad stating they were renting out there property for a vacation rental. The person who created this account is a fraud/scammer and since the deposit the account has been closed or there are no funds available. I have filed a report with with Wells Fargo bank in XXXX CTwith XXXX XXXX and the Wells Fargo fraud Dept. I also filed with local police in the town where I reside. I have a case number also. I went to Wells Fargo in XXXX CT to report that I was scammed and I would like to get my money back from the branch I made the cash deposit to in XXXX, CT. Wells Fargo did not issue my cash deposit money back. I also have my receipt of that transaction.
I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ...

Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : XXXX
I filed for bankruptcy XXXX 2016. I included a loan from Essential Lending/XXXX XXXX in my bankruptcy. The name was listed under XXXX XXXX as that is the name of the lender as it is listed on the loan documents I received after the loan was obtained. Once my bankruptcy was discharged this year I called the company several times about it needing to be updated on my credit report and I also directly disputed this account with XXXX. This account continues to show as a negative open account with a {$340.00} balance even after multiple requests to the credit agency and the creditor to get this account corrected. It is affecting my credit and causing me distress trying to get this updated.
My vehicle was repossed on the night of XX/XX/XXXX. I spoke with the tow truck driver and learned that there was title loan out on the truck. I proceeded to go in to the XXXX in XXXX XXXX, Az XXXX to get information on the title loan Tuesday, XX/XX/XXXX. The general manager then refused to provide me any paperwork on the title loan repeatedly told me that she had no clue who I was. I offered to provide drivers license, birth certificate, social security card, and any other identification she needed to verify that I was the owner of the truck. She refused to view any identification I offered to provide her. Since then I have tried numerous times to pay off the obligated amount owed on the loan to which they are refusing to accept payment for to get back my vehicle. I have spoke to 2 district directors for XXXX in the XXXX area to which both have refused to allow me to make the payment. As they only allow 10 days guaranteed to reclaim the vehicle I am about to be at that 10 day mark on Thursday, XX/XX/XXXX. I recorded the last conversation today with one of the district directors for proof of them denying my payment to recover the vehicle.