WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint Details Complaint Details XXXX XXXX XXXX Yes I been trying to get XXXX XXXX XXXX XXXX XXXX to validate my debt they say I have with them ... Via 609 letter ... this letter is asking for proof of a signed contract by me they suppose to provide with my signature.. I did not give anyone my permission to give my personal information out ... XXXX XXXX XXXX XXXX just keep sending me documents that do not pertains frca regulations.. basically it looks like a made up receipt.. the issue has been going on for a couple of months.. and is hurting my credit history.. proper validation is what I need to handle this issue ...
American Express is misleading consumers during credit card signup. Specifically around balance transfers. American Express has an internal limit on balance transfer amounts, but this is not disclosed in the terms of service, offer terms, or any other material during the account signup process. Additionally, American Expresses customer service line, prior to signing up for a new card, states to review the terms of service and offer terms for all requirements and restrictions related to balance transfers. Theyre mislesading consumers.
An early payment made XX/XX/2017 was misapplied across the board to all my loans instead of first to interest & then to specified loan w/ the highest interest rate. The amount being paid was the amount quoted by Fedloan Servicer to fully pay off one of the highest interest loans ( 6.8 % ). First of all, they quoted an incorrect amount which included interest on a loan that had been paid off the day before. Asked Fedloan ( on phone ) to correct it. They required request in writing ( sent XX/XX/2017 ). They failed to fix error as my letter lacked dob ( which phone rep did not say to include ). On XX/XX/XXXX, my mother called to ask why error was STILL not fixed. They told her to have me re-submit letter with dob ( which I did immediately ). I want their error corrected prior to 1st payment being collected XX/XX/2017. They say it will take 3-5 days to read my email & up to 15 business days to make correction. The level of incompetence is ridiculous. Today they email -- not to say they 've finally corrected their error of XX/XX/2017 -- but rather to say, " Our records indicate you were in contact with our office on XX/XX/2017 and received assistance regarding the inquiry in your email. If you require additional assistance, please respond to this email. '' IS THIS A JOKE? Do they even READ the emails students send? The error is STILL not fixed & they want me to start over? Once they take my first payment next week by direct debit, the error will be compounded. This is cruel & unusual punishment. I 'm trying to make payments! Can I switch to a different loan servicer due to the incompetence of this one?
Contacted both Transunion as well as XXXX XXXX and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX XXXX XXXX.
I am the President of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OR XXXX. XXXX XXXX was abandoned by the owner and she stopped paying assessments to XXXX XXXX effective XXXX XXXX which now total almost {$10000.00}. The lender secured the unit and filed a Notice of Foreclosure on XXXX XXXX, XXXX but has failed to complete the foreclosure.
For several years I have been paying {$31.00} towards principal only on my mortgage so that I am able to pay my home loan off earlier ; a review of the payment history reveals Ocwen has been holding the principal payments made until the XXXX of the next billing month instead of applying payments received directly principal.
I just received a notice from a debt collector on a loan i took out almost a decade ago. While I thought it was consolidated under XXXX XXXX, and I had been making payments on it along with everything else. apparently I had not made payments on it since last XXXX Yet. i did not receive any notices of payment, nor any notices that payments have not been received before now. I have stayed in this location for many years, moved once, then moved back and stayed here since 2013. It should have been incredibly simple to contact me, yet this debt collection notice is the first thing I have ever seen about it. It has likely harmed my credit and after all the work i have done paying down and consolidating my other loans, this happens. I am going to contact them tomorrow with many questions, but wanted to begin this process early in case of the likely event of further trouble. This seems illegal but i will do what I can to correct the issues.
Centric Assest Management called and said I owed a debt of XXXX from 2011 which they said I signed ion the Internet they will not provide proof and they said with interest now I owe {$1800.00} and I need to pay it immediately or they will take legal action against me. I never signed for a XXXX loan on the Internet and I never received anything in my bank account and do not owe this!
My personal information was compromised during the Equifax hack. I checked whether I was impacted on XXXX XXXX XXXX. This is unacceptable for a company that has all my information.
Experian is reporting incorrect information in violation of the Fair Credit Reporting Act. I received XXXX " XXXX '' forms from XXXX for XXXX credit card accounts. This was treated as income to me and I paid taxes on it. XXXX 's use of the XXXX form means what is says : the debt is cancelled. Period. XXXX is continuing to report these balances as not only due, but past due. They claim they are permitted by Experian to do this. I have found no rules or guidance agreeing with this posture. This practice is an abuse of the credit reporting system and must be stopped.
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Shortly before my husbands death we had to file bankruptcy. My mother mived in with me and helped me get some credit cards i my name but under her account. All XXXX credit reporting agencies have listed the total debt of both of us as being my total debt. This is completely wrong. Also with XXXX XXXX they did give me a separate account # but have it listed twice as me debt. It is still listed under her account but is listed twice on my credit card report, Technically I have XXXX credit card that is mine and is my name only. by doing what they have done it makes my credit look a whole lot worse than it is. I 'm trying to establish my credit on my own again. The way it is now it looks terrible
On XX/XX/XXXX {$1.00} and {$3.00} were attempted to be pulled from my Bank of America account, there were not funds in the account to cover and charges were returned and I was charged {$35.00} for each item. This is gross overcharging and I requested the fees be reversed.
Nationstar Mortgage transferred our mortgage as of XXXX XXXX ( though the customer service agent reported it was as of XXXX XXXX ). On XXXX XXXX, I received a notice of preforclosure via certified mail from Nationstar dated XXXX XXXX.
I had received a postcard in the mail from Citibank, encouraging me to sign up for their Citigold account, and offering me XXXX frequent flier miles for XXXX if I : signed up for account, spent {$1000.00}, and made XXXX bill payments through Citigold. I learned after my miles failed to be processed that Citi meant that you have to make a payment through their bill pay system ( e.g. bills can not be paid through the debit card ). However, it never stipulated in the advertising or anywhere that I could find that you must make these payments through the bill pay system as opposed to the debit card. As you can see from the attached document, it is not at all specific. I argued this to Citi, via telephone and electronically, but they wrote back to me repeatedly that they would not honor the offer terms. Money was lost as there is a monthly account maintenance fee that Citigold charges.
On XX/XX/2018, I ordered a copy of my credit report. Upon review, I noticed well over 30 unauthorized inquiries on my credit report. I immediately called each credit bureau and filed a formal complaint as well as the Federal Trade Commission so as to provide them the necessary information so as to have these unauthorized inquiries removed from my credit report. Well after 45 days of waiting I received letters stating that these inquiries have been verified and when I inquired as to how the bureaus stated they sent out emails or some sort of electronic communication asking were these inquiries made by me. They stated each company had responded as " YES '' but when I asked whom did they speak and what kind of physical evidence could be found they all said they didn't speak to anyone or review any documentation. I am completely baffled by this so they just sent basically a TEXT requesting the company in question do they KNOW me and those companies said YES. This is completely disturbing to know they did not truly validate these applications yet are reporting I made them. I supplied them with a copy of my utility bill, driver license, and social security card so they could validate said requests which I found in most cases were inaccurate or simply erroneous as the companies who made the inquiries did not have my personal information correct in ALL CASES yet the laziness of each credit bureau is of such they do not care or truly try to investigate such matters as serious as this. Please assist me in this most serious of matters.
We paid off our loan   XXXX  , still waiting for Deed of reconveyance, paid in full and remove lien. I have called spoke to  XXXX  several times and sent letters asking for my deed of re conveyance, satisfaction of mortgage and letter of paid in full. I was told on Friday   XXXX   XXXX  ,  XXXX  said she will call me back on Monday, she will see what 's going on in the legal department, this is what she tells me every time I call, she has never called me back.
Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, Trans Union and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.
My escrow account decreased thereby decreasing my mortgage payment and Bank of America 's Branch Office located on XXXX XXXX XXXX, XXXX, NJ XXXX will NOT accept my payment. The representatives claim that I am paying LESS than what the mortgage payment due is as shown on their computer system. I have explained each time to the drive-thru employee that my Escrow Account was adjusted and I am remitting the full monthly mortgage payment for XXXX XXXX, 2015. They refuse the FULL payment each and every time. I have appeared on numerous occasions which began on XXXX XXXX, 2015 and today, XXXX XXXX, 2015, was my last attempt and the payment was rejected again. I now assume that BOA does not want my mortgage payment for reasons unknown to me. If I do not make a payment, BOA will ruin my stellar credit. Please note that when I attempt to make a payment, I utilize the payment stub that Bank of America provided to me in XXXX, 2015, with my new Escrow Analysis. 

Also, in prior months, when BOA receives my mortgage payment, they continue to place the full amount in an account for mortgage modification when I did NOT accept their modification offer. I must then call each month to demand that they correctly apply the payment to my mortgage account. 

Does BOA want me to pay my mortgage or not?
I have made several calls to this collection agency regarding double reporting on my credit bureau report. Nobody has any desire to speak with me and just go back to the balance I owe. Date of first delinquency is  XXXX   XXXX ,  2014  and date assigned matches. They double reported on  XXXX .
XXXX ( card services ) was placed XXXX hard inquires on my credit report for one credit  application. XXXX inquiry was made on XX/XX/XXXX and the XXXX XXXX was made five days later on XX/XX/XXXX. XXXX was not authorized to run my credit twice within a five day period for a single application. I would like XXXX or XXXX inquiries deleted from all three credit files.
Hunter Warfield is continuing to attempt to collect a debt 5 months after they were informed by the creditor that the account was paid and never in arrears.
I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX cl REV App This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX open App. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.
I requested for XXXX XXXX XXXX to validate NOT verify a debt that they are attempting to collect from me. They provided me with billing statements from another company which does not validate that I am obligated to pay anything to the above company. I do not have a signed contract between myself and XXXX XXXX XXXX and I have not given the above company the consent to contact me in regards to my account. They have reported incorrect delinquent information to the credit bureaus. The debt owned to this company is not valid and therefore I am requesting for this debt to be removed from my credit report.
Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer abusive practices by Citi AT & T Universal Card. 
Via phone call, requested Citi Bank AT & T Universal Card be cancelled. After phone call requesting cancellation of the card, received a new card, and continued to receive loan solicitations from Citi AT & T Universal Card. On XX/XX/2016, once again requested that card be cancelled. 

XXXX XXXX
On XXXX XXXX, 2016 I contacted Medical Revenue Service at XXXX. I spoke with a debt collector named XXXX and his supervisor XXXX. I called to see if a settlement would be acceptable. I was told that no settlement was available. I attempted to end the call. XXXX proceeded to take some brief financial information in an effort " to help me ''. I complied with his request. He gave me XXXX payment options : {$200.00} every two weeks or pay off the debt with a credit card immediately. He made it a point to inform me multiple times, in a surprising manner, that this has not been yet reported to my credit report. I refused the options. XXXX said he wanted me to speak with his supervisor XXXX. I complied. She proceeded to give me the same options. I had previously sent a written dispute of a portion of the debt and attempted to explain the dispute. I gave an example of one of my dispute issues. She said it did not matter because the hospital rendered services that they deemed necessary regardless of what I think or dispute. XXXX then proceeded to use credit reporting as a fear tactic to manipulate me into paying a disputed debt stating ( and the call is recorded? ) that she could n't believe this debt had not been reported to the Credit Bureaus but it will be now. ( Are n't there guidelines for reporting? ). I advised them both to let me be concerned with MY credit report in which I will handle. They continued to threaten to report the debt which they conveyed with doom and gloom if I did not succumb to their demands. 
I have no problem with a debt collector informing me of the consequences of not paying an obligation. To use those consequences as a means to collect a debt through fear is unacceptable and could be construed as harassment. I would not have called MRS if I did not have intentions of resolving the debt. 
Furthermore, the debt was disputed on XXXX XXXX, 2016, sent by certified mail with a signed returned receipt. The validation of the debt dated XXXX XXXX, 2016, that I received from MRS , is incorrect and invalid as the itemized billing statement for services rendered is incorrect and does not coincide with the amount MRS is saying I owe which may be in violation of section 807 of the FDCPA. ( see attachments ). 
I have now disputed this debt 3 times because of duplicate services performed by XXXX XXXX Hospital and their affiliates. Not once have these disputes been formally addressed by the original creditor or by those contracted by XXXX XXXX hospital. I am aware that by law the debt only has to be validated but one would think that to simply address the dispute properly to resolve this debt would save a lot of time, effort and money.
Last month, I called in to request the annual fee be waived on this card because my level of use of it didn't justify the fee. The fee had been charged in the current billing cycle.

The representative told me that wasn't available but I could perform a product change to a no-fee card ( XXXX instead of XXXX ) to get the annual fee refunded. This is a standard way of refunding an annual fee at all credit card issuers including this bank. Fast forward to today where I called in to ask why the annual fee refund hadn't been refunded. Unfortunately, a poorly trained representative tried to tell me that this wasn't a policy and an option as the fee was being charged because of benefits I receive with the card. It didn't sway her that I was no longer getting these benefits because I had a product change to a no fee card instead of a cancellation despite them being equivalent in receiving benefits you pay for, that the fee is always charged in advance so the fee was being charged for future benefits I was never going to receive, that this is standard practice of all credit issuers including Capital One, especially within 30 days and that is what I was told when I performed a product change and wouldn't have done it otherwise. I am fed up with this bank as it has gone downhill due to greed where I can't even talk to an agent online and now this deliberate deception. This agent engaged in completely insane circular logic that is probably a pattern now to frustrate consumers and get them to hang up and give up.
I was told I met the criteria for my child support to be used as income for my mortgage and that I was preapproved for a mortgage. I provided statements showing I received consistent funds from the exhusband then was informed that because he provided me with more than detailed in my divorce settlement, I did not qualify under the FHA guidelines. ( Which was odd because I was applying for a conventional because it cost less. ) When I called them out on it, they then " took back '' their preapproval/Letter of Commitment and said that because his name is on the account with restricted access, deposits only, no balance notification or withdrawal privileges, that " I 'm done ''. They will not write a mortgage for me. It 's my social, my account for the house I live in and all of my bills. When the mortgage person found it too challenging to pursue underwriting 's decision, he baited me with a question as to whether I had EVER paid any of my ex 's bills with that account, my reply was yes, I used his XXXX XXXX account ( which at that time I was a co-owner of ) and I repaid the amount I charged. Apparently that was all this mortgage guy needed and ceased all efforts on my behalf and has since refused to provide me with any communication.
Reported that I was 90 days late on a payment, while in a current forbearance.

Credit score dropped 177 points due to this. And credit card limit was lowered due to this error in information.
The services will not let set up auto pay while I have an in school deferment. I would like to make monthly interest payments while I am in school. They said I could make one time  payments or have my bank send monthly payments. The issue is they do not apply the payments correctly. I made a payment which was drafted from my bank account on XXXX/XXXX/XXXX but has not been credited to my account.
I disputed a charge on a credit card with 5/3 Bank Mastercard. I unfortunately got sucked into a scam with a company called XXXX  that offered services that supposedly helped businesses get small business loans. It turns out they just opened credit cards in my name and told my I could get cash from them. the fee for getting me what turned out to be four consumer credit cards that I could have applied for on my own for free was almost 7,000.00. That fee was charged to the XXXX XXXX that they had opened in my name. When I realized what was going on I called the credit card company and closed the account and asked to dispute the charge. After not hearing anything back for about a month I called to follow up on the dispute. The fraud department informed me that tis kind of charge can not be disputed, and that it ti a XXXX Policy. I asked to speak with someone else and a supervisor came on the line and told me " sorry, you have no recourse, there is no dispute possible with this kind of charge ''. He also told me there was no one else to talk to. I asked him for the contact info at XXXX, was told they did n't have that. I asked who gave the resonce from XXXX and what Department and was told the email was n't signed. He suggested I could XXXX  XXXX and try and get in touch with them. Also that 5/3 considered the charge valid and would be expecting my payments.
I do n't know who this company is but they have called me, my employer, former employers, and family members that I have n't spoken to in years as well as my ex husband. They claim that I owe for a payday loan of which I have repeatedly explained to them that I have never in my life taken out a payday loan. They refuse to mail anything showing me documentation. I went ahead and paid {$440.00} in XXXX after they promised to send me a letter showing that all claims against me were clear and I had a zero balance, hoping that the embarrassing calls would stop and now they have gotten worse. I have never received any letters or any documentation what so ever from these people. This company now claims that I have more debt that they refuse to disclose but I MUST pay immediately to avoid a warrant. I have never in my life done anything illegal and this company is scaring me as well as embarrassing me by calling everyone they can find that has ever had any type of contact with me. They refuse to provide an address for their company.
unsolicited calls on my cell phone that I did not sign up for as I am on the National do not call registry. Many times a week
I attempted to get a loan modification and my lender escalated my loan to foreclosure and I was forced to file for bankruptcy protection. I am now gainfully employed and I am ready to modify my loan and bring my account current.