WillisBack/dataset-financial-user-claim huggingface dataset:
I 've contacted Guild mortgage multiple times to address bringing my past due mortgage current. I contacted them on XXXX XXXX two times and had a question regarding unapplied funds and partial payments. In speaking with both agents, when asked about this issue they seemed to be uneducated. When I asked why I would not be able to make partial payments, or use the money which is in my suspense account to make a full payment, I received basic answers like this is just a policy. The second agent I spoke with continued to talk over me, rather than listening to my actual question. I was unable to get any answers as to why I can not make a partial payment to make up a full payment using the money which is in unapplied funds. I wanted to know if this is an FHA loan guideline, or a company policy. Neither agent could sufficiently answer this question. It seems to me that if I have money in unapplied funds, and I have enough to make a full payment using MY MONEY, that is sitting in unapplied funds for that exact reason, I should be able to do that. Neither agent could calmly answer my question, and both became confrontational without listening to me. If this is an FHA guideline, I 'd like to be advised of that. If this is a company guideline, I would have asked to speak with a supervisor who would be able to override this nonsense rule. 

Also, I was on hold for more than 20 minutes before being able to speak with an agent. I understand it is the last day of the month and a lot of people are getting payments in, so I understood that, but feel it is worth mentioning considering I used to work for a loan servicing company and whenever our Average Hold Time ( AHT ) was over 2 minutes there was panic in the office to get on the phones, and opportunities to work overtime. We do n't want people waiting that long!!
In  XXXX  of    2017 I re ceived my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX  /2017.  It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.
company was sent a cease and desist letter. Company responded with deceptive and false communication. I do not have a contract with this company. I do not owe this debt.
The company ACT debt collectors call me at my work desk phone and work cell phone. They have called me after XXXX XXXX as well. I have asked them not to call me as I put this under bankruptcy years ago.
On XX/XX/XXXX i transferred XXXX. Via my wellsfargo online account to XXXX XXXX wells fargo account with the XXXX feature. I found out it was It was a scam for a house rental when i got there. I went to XXXX wells Fargo branch ( where the house was located ), and was informed by a banker that i should say that i didnt authorize the transfer, ( in other words, lie ). I wasn't willing to do that so i left but filed a police report. I found out that the same guy had done the same thing the weekend prior to someone else! I went to my wellsfargo when i got home talked to 10 different people to no avail. I tried to reach out to XXXX but they said talk to wells Fargo. Per the terms and conditions that wells fargo/XXXX has, it says that if you agree, they are able to provide name, address, phone and email of the person i sent the money to. They have refused on all levels.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Capital Credit & Collection Service , Inc . 
XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX : Acct # XXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXXXX, which you claim I owe {$740.00}. 

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. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

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 {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 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 XXXX, OR XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Credence Resource Management has called me repeatedly at my place of employment after I have asked them to remove my work number from their call database. The representative continues to try to talk to me and sometimes escalate their voice trying to talk over me. 

In addition, the representative asks me to confirm personal information prior to disclosing the company in which they are calling from and about. 


Not only is this annoying, it seems to be a violation of my rights.
Placed a credit freeze with Experian in XX/XX/2017 after the XXXX  data breech. I wanted to temporarily unfreeze my credit with Experian today and was unable to do so. I have the PIN that was issued at the time of freeze and that still didn't work. Now they want me to mail a letter generated with the denial, along with three other forms of identification. I had no issues unfreezing my credit with XXXX or XXXX today, so not sure why Experian is not complying with the new federal law that requires my credit to unfreeze within an hour. Additionally, there is no way to talk to someone over the phone.
I went to a XXXX school in AZ almost 8 years ago. At the time I was promised employment that would cover the astronomical cost of my loan. Today, I am working a barely above minimum wage job as a XXXX. While, I understand education costs, the cost of my education will in no way will be recouped from my job. The education I received did not give me a leg up, has not furthered my pay, and is outrageously expensive to what I am getting in return. I feel I was conned and now have a debt that is in surmountable for me and my family. Not to mention my mom had to also take out loans to further cover the cost of my education. Over {$50000.00} in to be an XXXX making less than {$15.00} an hour. I have tried other positions over the years just to try and make ends meet. Being a XXXX is truly what I want to be, and am finally working with a company that is " training '' me ( even after all my schooling at UTI that did not matter ).
I singed up for a Navy Federal XXXX XXXX XXXX. The promotion was for XXXX rewards points if I spent {$3000.00} in 90 days. I completed my portion of the agreement and continued to contact them about the reward. Finally on XX/XX/2018 I was told that I would receive the reward as the promo code was for 0 APR. I told them that they switched my code and I would never carry a balance and would not need 0 APR. 
I was on the Navy Federal website when I did this and the promotion is still on the website. There wasn't any promo that I clicked on for 0 APR. 
They switched my code and refuse to honor the promotion is signed up for, XXXX reward points.
I have already contacted XXXX XXXX and Early Warning a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )
We moved into XXXX XXXX XXXX in XX/XX/XXXX as we had sold our house quicker than expected. We closed on our new home on XX/XX/XXXX and moved out of XXXX XXXX on XX/XX/XXXX, at which time we were told by XXXX XXXX that our account was paid in full and had a XXXX balance. A considerably long time after that, we received a letter from Pro collect stating we had been placed in collections, at first they told us we had moved out in XX/XX/XXXX, not XX/XX/XXXX. I repeatedly told them their information was incorrect, but they kept on sending me collection letters, I asked for the information that was provided to them by XXXX XXXX, & it is false. I have tried numerous times to contact pro collect without success and have filed several disputes through experian again without success. I believe the actions of this debt collection company is in breach of the Fair Credit Reporting Act.
I had filled bankruptcy in XXXX. In XXXX of XXXX I dropped off a payment at XXXX XXXX XXXX Escrow Inc office. I was followed by an employee who stated my payment was being rejected. I then asked to speak to owner of Escrow inc and asked her to explain to me why my payment was not being accepted.I asked for her to give me payment history of all the payments made by the Bankruptcy Western District Court. XXXX couldn't give me an answer I demanded a print out and instead I got a Sticky note with made up figures. At one point she looked at her computer and could not provide me with a payment history. In fact she stated that because of the bankruptcy she demanded all payments in full. I explained I had lost my job in XXXX of XXXX and i was doing everything in my power making all payments even without a job. I'm exhausted mentally and its affecting my health. I have made an appointment to meet with the bankruptcy attorney. 
Demand letters are now in my possession with amounts that are unreal. I truly believe Escrow Inc XXXX had retaliated against me because I did NOT rent my house to her daughter that was going to be stationed in XXXX XXXX with her family. I responded to her if i ever did i would have to lease it for a higher amount than my mortgage payment. XXXX responded XXXX is better than nothing and you can come up with the rest. I would take it in a heart beat was her response.I didn't respond. She knew I was struggling to make payments. 
Obviously she uses her business to her advantage I have made all attempts to pay and she had mailed back all payments.
This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.
I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services
On XX/XX/XXXX I made a payment for the XXXX payment of my mortgage to Carrington MS and onXX/XX/XXXX I made another payment for the XXXX Payment to Carrington MS . Both payments were in the amount of {$1300.00} which leaves XXXX and XXXX  now due.
The supervisor was hostile on the phone when I called to make my payment the second time and told me that I I was past due since XXXX. I disputed that and I submitted a letter to the fax numbers that XXXX, the supervisor gave me for both to receive my statements to be mailed to me and to dispute the amount they are stating over the phone that I owe. I have proof of every payment I have made with XXXX XXXX XXXX and Carrington MS . The supervisor stated that if I did n't make two payments by the end of the month I would be prevented from making any payments at all. Since Carrintgon MS took over my loan for XXXX XXXX XXXX, in one month I am now being threatened with foreclosure. I received only one letter letting me know of the transfer then the letter to foreclose. On Saturday, XX/XX/XXXXI received a letter for the intent to foreclose. Carrington MS was willing to foreclose on my home for two payments behind is unacceptable when I have fought for years to keep my home. I have ever intention of paying my mortgage and find it unacceptable that they can use intimidation and rather than work with me take my home away from my family.
Discover Bank - Monthly statement not provided I opened a savings account with Discover Bank recently with the understanding that they will provide me monthly statement ( which is clearly stated on their website as pic attached ). However, after I opened my account, I only had access to a statement every other month. After contacting Discover, they claimed that I will not have a bank statement if there is no ACH deposits, which didn't spell out on their website at all. At the meantime, they refused to provide any kind of official document that could show my account status for the months they skipped within 5 days.
XXXX , XXXX reported that I have a credit score of XXXX which XXXX XXXX denied my car loan when XXXX has me at XXXX .I 'm stating a formal complaint on them. this is a crock they should be shut down
THIS COMPANY IS FALSELY REPORTING TO CREDIT BUREAU THAT I HAVE LATE PAYMENTS. I HAVE NO CONTACT OR ARRANGEMENT WITH THIS COMPANY.. I DO N'T OWE THIS DEBT THIS DEBT IS A FRAUD HAVE ASKED FOR ORGINAL INVOICE THEY HAVE REFUSED OVER TRWO YEARS AGO.
I opened a XXXX svings/checking account and a line of credit with the Citizens Bank. I was told that there will be no maintenance fee if I had a direct deposit and keep the line of credit open. I always met both of these conditions of the bank. I had a less than {$20000.00} loan in my line of credit account and therefore paid {$50.00} annual fee separately for this reason. The Citizens Bank has charged me {$20.00} per month fee for 8 months. When I complained they reimbursed only {$60.00} for 3 months. However, this maintenance fee is totally bogus as I have always met the bank 's conditions. I have tried to speak with the bank a couple of times. Sent complain online but they do not care to resolve my issue and reimburse my remaining {$100.00}. This is an unscrupulous and deceiving practice of the bank to rip off customers like me and they are not willing to resolve it.
My XXXX card was fraudulently charged on XXXX XXXX. I contacted the card issuer when I received my billing statement in XXXX XXXX. The card issuer called the fraud merchants while I was on the line. The charges were determined fraud, the charges were reversed and a new card was issued. I thought the matter had been resolved. 

In XXXX XXXX the card issuer re-applied the charges to my account. I have made multiple phone calls to protest but my protest has been denied. 

The amounts are XXXX booking fee and a XXXX  hotel charge.
XX/XX/2015Dear Sirs, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. 
However, XXXX XXXX and Target issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. XXXX refused on XX/XX/XXXX to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of Target. 
Since it is possible to have the normal and more secure raised numbers with the new chip both ; I see no reason to accept either the target or the XXXX XXXX ; I think it is irresponsible to issue the flat credit card that are more easily faked. 
I expect the CFPB to at least ask or direct Target and XXXX to give customer or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use both methods and not issue the flat credit cards at all. 
XXXX XXXX XXXX XXXX. 
XXXX.
This Collection Agency ( Collection Bureau of Fort Walton Beach ) is not reporting my payments to the credit bureau.
I received an account summary from IC System on X/XX/2017 stating I owe {$190.00} to the original creditor XXXX. I sent a debt validation letter to IC System on X/X/2017. The letter was sent certified mail and was received on X/XX/2017. I never received validation of said debt. On X/X/2017 IC Systems reported the debt to the credit bureau as a collection account opened X/XX/2017. This is not my account. I disputed the account with another CA and it was removed from my CR X/2017.
Trans Union Consumer Solutions XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well as FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers - Information Available to Victims XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
2. ACCOUT NAME : XXXX ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME : XXXX ACC. BAL {$1700.00} no proof of contract collection trans error please delete. 
4. ACCOUNT NAME : XXXX ACC BAL : {$73.00} I have never done business with this company error please delete.
My personal and credit profile information were obtained as part of the XXXX XXXX breach of the Equifax database. This was verified on the Equifax website today, XXXX XXXX, XXXX. This is extremely disconcerting and as an individual who spent the last 18 months rebuilding my credit, very frustrating. The delay in letting customers know of the breach is also unacceptable. 

I do not know what impact this has had, or will have on my credit, but I was hoping to purchase my first home next year. Should my identify be used fraudulently, I ca n't imagine what impact this could have on plans for my family or future.
Not long ago this collection agency placed a collection on my credit report. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XX/X/2017 requesting validation ( please see attached ) and they responded in a letter stating that they had researched and the debt is valid. What kind of response is that? The fact is, I have never had an account with a company called XXXX. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a US citizen, 2 ) I am a veteran of our military, 3 ) I am a XXXX XXXX XXXX and lastly 4 ) They will NOT get away with this. They have chosen the wrong one to play games with.
XXXX XXXX XXXXform will not allow submission of : State : Massachusetts Zip Code : XXXX
This situation mirrors the other Complaint I have submitted through you on XXXX. As shown Through XXXX XXXX My Transunion reporting of my Credit Score of XXXX as excellent on XX/XX/XXXX then on XX/XX/XXXX it dropped to XXXX as fair and remains there today. 
There are no late payments and no adverse remarks posted for any reason showing why score has changed. The only article listed is that XXXX XXXX cancelled my XXXX Viza card, as they did for a multitude of card holders with XXXX XXXX, to a new card which I received and activated with the new XXXX XXXX Mastercard through XXXXXXXX XXXX. I have made several inquires and Transunion gave me no reason why the change occurred. I contacted XXXX XXXX to no avail and both XXXX XXXX and XXXXXXXX XXXX again to no avail. The change was done by XXXX XXXX and was no reflection of any negative remarks or actions on my behalf. I have had the XXXX XXXXXXXX visa for over 9 years without any late payments as the recorded by XXXX XXXX visa XXXXXXXX XXXX This action by Transunion was done for no reason and with one stroke of  the keyboard has affected my credit scores by a drop of 132 points. 
XXXX XXXX.
I had an XXXX done at XXXX XXXX hospital XX/XX/XXXX. I received a bill for {$1800.00} and paid it in full onXX/XX/XXXX. A month or so later I received another bill for the same XXXX claiming that I owe {$390.00}. I called the number on the paper 4-5 times requesting a call back ( via voicemail messages ) because I did not understand what I was being billed for. They never called me back, but continued to send threatening letters. On XX/XX/XXXX I received a letter from a law firm, XXXX XXXX, attempting to collect on the same bill for {$390.00}. I contacted the law firm and there was no answer so I left a message requesting a call back. I did not get a call back. I sent the law firm an email with an attachment showing the receipt of my payments and explained the situation. I never got a response to my email or a call back.