WillisBack/dataset-financial-user-claim huggingface dataset:
I have repeatedly tried to get the issue resolved of a XXXX payment for a year. They originally gave me my money back, then took it away causing over 1000 dollars in the negative. XXXX records show that they still charged the owner of the account the funds they pulled from my bank. I've tried getting them info from XXXX and they never seem to notate my account or resolve the issue. I've waited a year for them to fix this.
XXXX/XXXX/2018 - XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, XXXX has sent harassing phone calls to XXXX requesting a debt that I do not owe. I do not know where they got my phone number, but they a determined to collect a debt at this phone number. I have called this " outfit '' several times only to receive their automated system that does not allow one to speak to a person. 
Please inform this " outfit '' to discontinue these harassing phone calls that have been constantly ongoing for over two month or a law suit will be filed for invasion of privacy. Thanks for your help in advance.
I settled with my mortgage company on the short sale of my home. An amount was agreed upon but no timeframe or monthly amount due was part of the agreement. Only that the debt will be paid in a reasonable time. Dyck Oneal purchased this debt and converted it into a monthly payment with a fixed term without my consent. If payment is considered late by them, a negative remark is placed on my credit report. Constant phone calls are made to my home and relatives asking when payment will be made. My credit is now damaged by this company and causing financial hardship.
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX : Account Number : XXXX Creditor : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
On XX/XX/2018 a negative report was submitted against me by XXXX XXXX XXXX XXXX ( " XXXX '' ) [ XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX ]. The report references account no. XXXX and indicates there was a charge-off of {$100.00} on that account. 

I called XXXX and spoke with a nice lady who indicated over the phone that I am not responsible for the account - she could not give me any further details, because she is not allowed to give that information to people who are not on the account. Nevertheless, some how or another, this account has been tied to me and now reflects a negative mark on my credit rating. The nice lady to dispute the negative report with XXXX. 

I could not file a dispute with XXXX. So I disputed the negative and erroneous report with XXXX. I told XXXX about the conversation with XXXX. However, the negative and erroneous report from XXXX is still, nevertheless, on my credit record. XXXX  acts like it solved the problem, but clearly did not look into the matter or give it a modicum of thought. 

I sent XXXX another message regarding this situation, and got to speak with XXXX in the loan department. XXXX was very nice and explained to me what I had been told earlier, i.e., the account at issue is not my responsibility. XXXX/XXXX [ XXXX, ext. XXXX ] could not explain how the account/charge-off was filed against my credit rating as a bad report. XXXX suggested I dispute it again with XXXX. 

So, this morning I filed another dispute with XXXX. We'll see what happens, but I'm not going to hold my breath with that outfit. 

What I ask of the CFPB, and hope for, is that the erroneous report filed against my credit rating should be completely removed from my credit background/report as it may be curated by ( 1 ) XXXX, ( 2 ) TransUnion, and ( 3 ) XXXX. Since XXXX admits the account/charge-off has nothing to do with me, and that I am not responsible for it, there is no reason why the report should have been filed against me in the first place, or why any reference to such a dubious and inaccurate piece of work should remain on file against me. 

I also ask the CFPB to communicate with XXXX regarding this matter, in as much as XXXX may be of some help in getting the bogus report removed from my file ; also, perhaps the CFPB can better determine how this bogus report came about in the first place. So far, nobody seems able to explain that one. 

I am really at a loss to understand how something this sloppy and clearly wrong can be so hard to fix. The financial sector doesn't hesitate to wreck your credit if you owe them even a thin dime, but they sure as XXXX can not or will not get it together nearly as quick when it comes to fixing something as clearly libelous and wrong as what they have done to me in this case. 

CFPB, please help.
I am a victim of identity theft and noticed a collection from IC SYSTEM. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEM in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence.
I was automatically signed up for PayPal Credit, without giving me the full picture. I never wanted to apply for a credit line, nor did I see anything while signing up for regular PayPal warning me I was signing up for PayPal Credit and it would pull my credit. The instruction was very misleading and I thought I was using my paypal account balance to pay for my purchases. My credit reports were then pulled without my knowledge. My credit reports were pulled based only on the last XXXX digits of my ssn, my date of birth and home address ( per XXXX ). This was completely against my experience where other companies asks for much more personal information before pulling my credit reports. My credit scores drop significantly after paypal credit pulled my credit reports. I tried to dispute with XXXX but it wo n't remove the inquiry. I contacted with paypal credit but it did nothing to help me remove the credit reports inquiry.
CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY EQUIFAX CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATE.
I have put numerous disputes with Equifax at no avail. I have emails with the creditor stating that the account is closed and paided in full since XXXX of 2014 and Equifax refuses to do anything.
Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.
Bank of America has manipulated or misunderstands the original loan amount and origination date of my current home loan. My original loan amount was {$190000.00}, not XXXX. It, the loan was originated XX/XX/XXXX, Not XX/XX/XXXX.
I have been trying since XXXX to get Wells Fargo Bank to resolve an issue regarding a payment on my personal loan. The payment was made in a branch and was applied to my home equity loan account in error. 

I did not realize the error until I was contacted by the personal loan department to let me know that my payment was past due. 
When speaking with them, I looked at the receipt and realized the payment was applied to my home equity loan. 
The representative with Wells Fargo indicated that he would get with the home equity department and have the payment reversed and applied to the personal loan account. 


After this conversation, I monitored both accounts to see if the issue had been resolved, still no resolution. 
At this point, I contacted both the personal loan and home equity departments who promised the issue would be resolved. 
I even received a letter from a senior representative to let me know, the bank had resolved the issue an the bank was waiving the late charge that occurred on the loan. 


After the personal account was not updated and my account was 25 days past due, I made another payment to keep it from going over 30 days and being reported to the credit bureau. 
During this process, I have spoken to a representative from Wells Fargo 's home equity and personal loan departments at least once a week. 

After being so angry about this whole process and with no resolution in site, I decided to pay the loan off. I applied a payoff to the personal loan only to be contacted by Wells Fargo to let me know the payoff was short. 

I told them when they could get the payment that should have been posted to the loan applied, they could deduct the difference and send me a check for the balance. This was two weeks ago and the issue has still not been resolved.
I have applied to have my loan consolidated two times with XXXX XXXX, and they have not taken any action to consolidate my loans. Every time I try and call in, they hang up, and the monthly bills are vastly inconsistent, and extremely high given my income. I have been denied my applications to move to other payment plans such as XXXX, due to bills not being paid due to the fact that I never received these bills ; they simply appeared after the fact in the system.
I had an auto loan with XXXX. from XXXX/XXXX/XXXX till XXXX/XXXX/XXXX. in excellent status. Please see letter attached from XXXX. 
However, I do not believe Equifax is reporting this information on my Equifax credit report. I would like equifax to correct this reporting and send me a copy of my credit report showing the new update. 
Thank you
I bought my house 4 year ago. Initial appraisal of my house was at XXXX which how much I bought the house for. After down payment my initial loan was little over XXXX. In the past 4 years we have been making extra monthly principal payment so our current balance on our loan is little over XXXX. After completing some renovation and house prices going up in our neighborhood due to new constructions, current value of our house is almost XXXX which is way below XXXX % LTV. I have made multiple calls to my mortgage lender, which DITECH, including sending written request asking for removal of PMI as well as giving permission for appraisal to be completed. I have called my lender over 5 times and given different reasoning to why PMI can not be removed. Finally I received a letter from my lender saying that because we have FHA loan, PMI must stay in until it is scheduled to be removed which will be until 2018. After consulting with attorneys as well as my city appraisal as well as doing extensive research on PMI, our lender can not refuse to remove PMI if our LTV is below XXXX %. Our lender is not cooperative and refused to speak with me on this matter. I am only allowed to speak with customer services representative who keep giving me different information every time I call. At this point we have two options, either get mortgage attorney or refinance our loan. we need help and resolution on this matter at this time as all we want for PMI to be removed. 
P.S also at one point Ditech informed me that I have signed PMI agreement saying that I will not be able to remove PMI on LTV meaning if my house goes up in value or if we make extra principal payment. Well I asked them to mail me a copy of that document, and I never received anything. Because I never signed that
I entered into a 4 month trial mortgage modification in XXXX 2015. At that time I paid a reduce of amount of mortgage until the end of the trial. At the end of the trial I was offered a 40 year mortgage, which I refused. I was told at the time of the modification if I did not choose to permanently modify, my mortgage payment would go back to the original amount. However, I found out a month later that I was charged the difference, which meant I was a month behind in a mortgage payment. I WAS NEVER LATE. Now, I am paying a higher mortgage to make up the difference and they are reporting me late to the credit bureau. It is not FAIR!
Syncb Inquiry from XX/XX/XXXX XXXX XXXX XXXX Syncb Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX  I did not do this, please take off my account.
I was told by a ACS/lender I had a loan from the institution I never attended. The name of the school was XXXX. When I did more research on this school it has been closed since 1997 for defrauding consumers by authorities. There was also settlement reached on 1997. My lender is not cancelling this loan rather they are adding interest to the principal and forced me to pay it. I am paying this loan {$11000.00}, because I do not want my credit to be spoiled. I feel this unfair practice. Please advise me how to resolve this issue.
XXXX is not up to date, card have a credit balance not {$8700.00}
got notice saying im being sued by capital one. I dont have a capital one card. I am XXXX  XXXX and XXXX. I am also a XXXX XXXX XXXX. I sent capital one and the courts papers for them to verify that I owe. I never heard anything back debt has not been verified. I dont have a capitol one card. I am a victim of fraud and the court/ capital one is suing me.
Earlier this year following the loss of one of our primary income sources my husband and I applied for a loan modification. At the time of the modification request our loan was current and throughout the course of the loan which was originated in XXXX we have never been late. We were approved to enter into a trial plan under the HAMP FHA Program. As per the terms of the trial the payment was reduced to {$1500.00} with the first payment being due on XXXX and the last on XXXX. We were verbally advised by our Dedicated Loan Specialist at the time, XXXX XXXX, that the payments for XXXX and XXXX would be put to the end of the loan and upon satisfactory completion of the trial period we would be approved for a permanent modification effective XXXX XXXX. 
As per the agreement we began the trial period in XXXX however upon the review of my husband 's credit report we realized that we had been reported as 30 days behind for the month of XXXX. As previously stated at the time of the modification request our loan was current. Per Nationstar Mortgage Company because the modified trial payment was less than the contractual amount they were required to report the loan as delinquent during the trial period. This however is contrary to the servicer guidelines for XXXX and XXXX XXXX. Per those guidelines borrowers who are current on their mortgage upon entering the trial modification period should not be reported as late. 
In addition none of the conversations that we had with Nationstar or the correspondence that we received from them regarding the trial period advised that upon accepting the terms of the modification our current loan would then be reported as delinquent for the next several months during the trial period. Surely had we been advised of the repercussions of proactively seeking help during a period of financial hardship we would have declined the modification as our credit worthiness is much more important than a {$70.00} decrease in payment. 
We have contacted Nationstar regarding the matter and they have been less than efficient and expedient in providing a resolution regarding this matter. Nationstar advised that they would send out a letter to the credit bureaus rescinding the negative reporting and in addition a hold would be placed on the loan preventing any negative reporting during the trial period. After the satisfactory completion of the trial period they would retro report the loan as current. 
As to date Nationstar has only provided a letter addressing removing the negative reporting for the month of XXXX. We are still waiting for the matter to be handled fully to include any negative reporting for XXXX.
Company constantly calls both numbers, speaks very harshly. Very rude and constantly calls from spoofed numbers. There tactic is to attack they are not trying to help you and the company is a bully.
Barclays bank XXXX XXXX credit card. 

online credit card payment to barclays was rejected by my bank ( XXXX XXXX ) because bank closed account due to fraudulent activity. 

I explained this to Barclays Bank supervisor XXXX, ID Number : XXXX and inspite of repeated requests to waive the fee for returned payment for extraordinary circumstances, she said bank policy is not to waive this fee under ANY CIRCUMSTANCES. 

Fraud on my checking account was out of my control and supervisor was absolutely unwilling to offer any help. 

Thanks XXXX XXXX
This company Phoenix Recovery Group is trying to collect {$2200.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Phoenix Recovery Group with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Phoenix Recovery Group. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Phoenix Recovery Group.  They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I can not recall dates and amounts. However, Sally Mae and then Navient historically have only offered me forbearance and not income based repayment options to the point that I no longer have forbearance left in my agreement. 

This has set up a situation where in when I have financial difficulties Navient threatens my cosigner and tries to have me pay an amount I am never able to afford. I recently have dealt with a five month stint of being unemployed. Navient would only accept payments of close to {$350.00} a month out of my {$1800.00} a month unemployment payment, which I could not afford if I wanted to have a place to live or eat ( I was not eligible for SNAP ). 

In this time they insisted on pushing to get information about my cosigner ( my mother ) they are not legally entitled to in order to try and force me or my mother into making payments we can not. My mother is on a retirement XXXX social security fixed income. 

Further more, when I signed both initial loan agreements I was told that if I made 2 years of uninterrupted payments I would be able to remove my cosigner. When I met that obligation and contacted Navient ( Sally Mae, at the time ) the denied that was ever part of the agreement and dismissed my request. 

I am now at a point with these loans that I now owe more than I did upon my graduation from graduate school due to the interest accrued from the multiple forbearances I was manipulated into taking because of national economy issues related unemployment. 

At the time of filing this complaint I am XXXX years old. I graduated XXXX years ago. I have at least 25 years to pay on a loan that is now structured with interest in a way that I can not practically pay down the accruing interest and pay the debt off. 

What was sold to me as a loan solution has become a burden I will likely carry to my grave because the condition of the loans are as such that I will likely never make enough money annually to pay it off and the plausibility of me saving money because of the interference of this loan is impractical. 

On top of all of this, the stress from dealing with this loan in particular, has aggravated my diagnosed XXXX XXXX XXXX to the point that I am now on the maximum safe dosage of XXXX ( XXXX ) and the diagnosed XXXX XXXX XXXX is wirsenuing every day. Even as I am typing this I am fighting to prevent an anxiety attack because I am actively thinking about the Navient loans and the ruin they have brought on my life. 

Naveint ( formerly Sally Mae ) has quite literally ruined my day to day life, made the prospect of late life destitution inevitable, and has caused and is causing me significan health effecting psychological issues.
I opened the account through XXXX with Synchrony XX/XX/2017 and at the time the credit line was at {$1200.00} and I made a purchase at {$640.00}. The bank later came and down my credit limit down which put me in default and over drawn. I paid the card and never used since that time. A few weeks ago I got a letter from Synchrony that they closed my account due to bad credit. I never applied for an increase in credit limit.