WillisBack/dataset-financial-user-claim huggingface dataset:
Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXXXXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying 600 $ + to this company every month from XXXX/XXXX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved.
( Reference Link - https : XXXX ) For all this time as the company " XXXX XXXX XXXXXXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 

I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XXXX/XXXX/XXXX. 

I also want my money back that I paid to this company " XXXX XXXX XXXXXXXX ''. I also want XXXX XXXX XXXXXXXX to clear off the debt as promised and also compensate me with some $ for all the damage happened to me. 

I am a credit cards fraud victim now. I want to be compensated and also want to be part of this case as a victim. I have no further updates on this case. I am not sure if I am already part of this case. If no, I want to be part of this case. 
https : XXXX If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XXXX. 


DISCOVER CREDIT CARD
I received a credit report from Experian and they are refusing to dispute fraudulent accounts that are on my credit report, which they refused to dispute XXXX and XXXX. These accounts have been on my credit report since 2007, though old accounts, they do not belong to me. They belong to XXXX XXXX. I have attached supporting documents in regards to why these creditors should be deleted immediately. They are not my accounts. They are reporting the same accounts as duplicates. I did not live at the address listed on XXXX or XXXX 's application. I have attached documentation to show my addresses almost 20 years. I was not aware of the debt until discovering on my credit reports.
XX/XX/XXXX I took out a loan for {$2500.00} from XXXX XXXX while in need of cash for a life threatening emergency. ( if it were less than {$2500.00} this would not be legal from my research ) At the time, I was a resident of New York but living in California ( I provided them my NY license ). 

XXXX XXXX is licensed to make installment loans, however I can not find a copy of a license to operate out of Utah until XX/XX/XXXX. When the loan was made XX/XX/XXXX, they were licensed to make loans out of Ohio ( but not Utah ).

The 180 % interest loan was paid on time until I fell into another financial hardship. I was advised to reach out to the XXXX XXXX XXXX to help bring down the loan which they did. We had agreed to a settlement for 2 payments of {$400.00}. One payment was to be taken out of my account and I would be mailing the other payment before XX/XX/XXXX ( which I mailed and have documented ). The final check was never cashed by XXXX XXXX, which I did not know until a later date. 

My loan was then sold to National Credit Adjuster who greatly impacted and destroyed my credit. I have lost job offers as well as housing offers due to this unethical and predatory loan. I should have been paid to date and account closed. After numerous attempts to try and rectify this issue, XXXX XXXX has not returned phone calls or emails. I then went ahead and reopened the case with XXXX but XXXX XXXX has stated " Due to the sale of XXXX XXXX debt, XXXX XXXX does not have the authority to collect on this debt, and has not attempted to since the date of sale. He may address further questions regarding this account to NCA at : National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX '' On XX/XX/XXXX I was notified ( by NCA ) that records showed I made XXXX payments which is inaccurate as bank statements will show. My credit report also has 2 conflicting charge offs ( one XXXX XXXX and the other National Credit Adjusters )
I have opened a XXXX XXXX rewards card in XX/XX/2016. Since then it has been transferred to collections. The last two weeks I have called so many numbers its making my head spin, just to get transferred to another center. Ive called two different debt services who say they dont have it and that it has been sent back to XXXX. I have talked to MULTIPLE XXXX reps and i have gotten literally nowhere. I can not pay off my debt. They tell me its closed. Everything is closed. But still owed. I am in desperate need of help. Its not fair I can not pay it and make it right.
I sent request for information, for XXXX and XXXX XXXX mortgage statements, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/XXXX. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX
XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, transunion and XXXX and havent received any help. It has lowered my score XXXX points
On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX  XXXX During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. Caliber Home Loans  purchased the account from XXXX after bankruptcy was filed. Caliber claims loan was reaffirmed, it was not. Caliber keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " Reaffirmed ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted Caliber on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. Caliber said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that Caliber Home Loans, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.
My name is XXXX XXXX. These are the companies on my credit report that are not reporting the correct information on my credit report. Capital one, XXXX XXXX, XXXX, XXXX XXXX XXXX. They seem to add interest to my balance and late fees without hesitation, but non of these merchants does not report changes on account promptly to the 3 major credit bureau, Therefore making my information on my credit report look inconsistent. I have made payments to these merchants, but they are not reporting information promptly.
Please file the following documents on the CFPB case ( s ) XXXX and prior WFHM and XXXX case ( s ) as well as XXXX XXXX XXXX XXXX  case ( s ) XXXX and prior XXXX XXXX XXXX XXXX case ( s ) filed with the CFPB and other case ( s ) within the Federal Government in regards to XXXX discrimination complaints concerning housing. 

The attached {$50.00} returned check from XXXX XXXX XXXX XXXX, VA relates to pro-rated taxes XXXX XXXX XXXX paid on property address XXXX XXXX XXXX XXXX, VA XXXX in which she was forced out of in XX/XX/XXXX. This amount does not account for the premiums XXXX XXXX XXXX paid directly to WFHM that were utilized and accepted by the third party XXXX XXXX XXXX XXXX, VA in XXXX and thereafter. 

Also, please be advised that XXXX XXXX XXXX XXXX is preparing revised/false tax statements and the evidence is attached for XXXX personal property taxes. All payments can be verified through XXXX. This matter remains a XXXX discrimination case against WFHM, XXXX Bank, and XXXX XXXX XXXX XXXX against XXXX XXXX XXXX, an XXXX XXXX woman. 

XXXX XXXX XXXX will continue to allow the payments scheduled for prorated taxes to be paid to the county of XXXX & XXXX to further support her claims against housing discrimination based on race ( XXXX XXXX ) because this property WAS NOT voluntarily surrendered.
XX/XX/XXXX has sent out an announcement that they are changing out consumer 's current credit card with a new TRIO Rewards card ( same credit card number ). This credit card will come with a XXXX % to XXXX % interest rate. My current card that I have had since XX/XX/2004 is at XXXX %. Does this sound like something I would be interested in. Absolutely not. This is how I can keep the card that I have at the XXXX % interest rate. Close it! Pay on the past charges at XXXX % and open a new card XXXX same credit card number ) at the XXXX % to XXXX % interest rate. Does this sound acceptable? Not to me. If I can not keep my card with the XXXX % interest rate XX/XX/XXXX will be loosing my business. Evidently it is legal for them to do whatever they want when they want but to, after XXXX years with the same interest rate, adjust my rate because I did not do anything wrong is unacceptable. I am expediting my complaint thru XXXX at XXXX different complaint points and wanted to go thru cfpb to also insure that my voice is being heard. My attorney suggested that I go to this site and file a complaint.
I purchased a new vehicle with Bank of America being the lien holder of title. I made my 1st payment in XXXX, XXXX I get a statement showing I owed for a payment they accepted I called Bank of America spoke with several customer service reps, Managers until finally I called XXXX XXXX news, who made contact with social media XXXX, contact number of XXXX, extention XXXX. I explained to XXXX since the beginning of XXXX XXXX I have spoken to 3 managers until XXXX was notified, I informed him I faxed proof of 3 payments of XXXX and I never missed a payment and Bank of America has placed a DELINQUENT ACCOUNT to my credit score, with all three credit Bureau 's. XXXX advised he would investigate the issue and I explained in detail who I spoke to, how many times and was informed it was an error on their part. However never corrected my credit score. 
XXXX XXXX, XXXX I received a letter from Bank of America stating the error was corrected and where sorry for any inconvience the caused. Friday XXXX XXXX XXXX XXXX from Bank of America called advising they will have my XXXX XXXX corrected remove any derogatory comments and will contact me to follow up on Thursday XXXX XXXX, XXXX. 

Well I checked my credit score and nothing was changed, still showing DELINQUENT on all 3 credit Bureau 's. I did file a complaint with XXXX case # XXXX. 

I will attach the letter and documents showing Bank of America was in error and has done nothing but make false promises. 

I am requesting Bank of America to correct my credit score to the way it was prior to there era of having computer issues and causing undue stress and causing problems to have a chance of refinance our mortgage, I request a full written apology and to act upon this forthwith Since XXXX XXXX, I have spoken to customer service rep XXXX, XXXX, and XXXX, who removed the XXXX dollar late fees, along with speaking with Manager XXXX XXXX, Manager XXXX, and given a reference number XXXX, promising they would correct my account since they caused this issue ruining my credit history and on XXXX XXXX, XXXX I spoke with a XXXX XXXX who promised he would have a Manager contact me, which never occurred. In addition I already received a letter of admitting the era with no one having any knowledge. 

I spent 2 to 3 days a week trying to get this resolved since beginning of XXXX being on hold, speaking to numerous employee 's, Mangers, etc, with no positive results but a letter and false promises
I have received repeated robo-like calls from Linebarger GOggan, Blair & Sampson, LLP for months. I did not answer as I didnt recognize the name. After many months of receiving as many as five calls/day as early as XXXX, I answered the phone. 
The rep concurred that they were trying to collect debt from the business, XXXX, XXXX, VA who had my telephone number prior to XX/XX/XXXX when I moved to XXXX, VA and took the number for my personal residence.

After months of calls, I answered one, spoke to a young woman. She apologized and said their files would be corrected and I wouldnt receive anymore calls. Below are the calls Ive received since this removal of my number and correction of their files. 
XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX I called Linebarger today at XXXX and spoke to XXXX. First she couldnt find my number, then she did. I asked to speak to her supervisor, Mr. XXXX XXXX. He was unavailable. I asked for him to email me that their records would be corrected and I wouldnt be called again. I was told that he can not email. 

I advised them that I was registering this complaint with the FCC of this harassment, no attempt to confirm they had the correct person and refusal to correct their records. 

Thank you for your help. 

I appreciate this help.
I have a credit card account with Capital One. The limit on this account is {$500.00}. I took a couple of cash advances when the account was first open. I have made purchases also. Never have I exceed the {$500.00} dollar limit. However on each monthly statement, " Balance subject to interest rate '' on purchases amount changes after each payment. It either goes up on down depending on purchases and payment. The interest on " Balance subject to interest rate '' is the same as Cash Advances. The balance on CASH ADVANCES has only decrease less than {$2.00} over the last two years, BUT the interest rate is the same as for PURCHASE. Payments have been made over the last 2 years. No portions of my payments have been applied to CASH ADVANCES. There were times that I paid more than the minimum on this account and NOTHING has gone toward the CASH ADVANCES balance. HOWEVER, I am being continually charged the same interest rate and not seeing a declining balance. Each month this company is getting an extra couple of dollars buy not applying any of the payments toward cash advances. All payments goes to purchases until this account is paid off. But there is the interest charges continuing on cash advances even if you make more than the minimum payment amount.
I refinanced my loan with RMS ( from construction to permanent financing ) in XX/XX/XXXX. At that time, my appraisal was {$2500.00} short of what was needed to avoid paying PMI payments. I was given two options- pay the {$2500.00} or pay PMI for 6 months at which point I would have reached the 80 % and PMI would be removed. I chose the later option. 

After loan closing, the loan was sold to Wells Fargo. I contacted Wells Fargo by phone the first week of XXXX of XXXX to let them know that I was requesting PMI to be removed effective XX/XX/XXXX since I had paid the 6 months of PMI ( XXXX ). The  representative told me they would investigate and get back to me. I got a letter in the mail the last week of XXXX, saying that I would have to pay it down to 78 %, which would require around {$9000.00} or pay Wells Fargo to do an appraisal of the property. Neither of which was ever discussed with me at the time of loan closing. 

I called back and was told that they always reject the first inquiry and to do the appeal in writing. She gave me a fax number to use and asked that I send the appraisal from the refinance, a note with what was going on and a request to cancel. 

I sent the appraisal, etc. on XX/XX/XXXX. I then received a letter in the mail ( dated XX/XX/XXXX but received XX/XX/XXXX ) letting me though that they would not accept the appraisal since they ( Wells Fargo PMI department ) didn't order it. 

I called back on XX/XX/XXXX and explained to them that the appraisal was done at the time of the refinance and Wells Fargo bought this loan with the appraisal ( in other words, accepted it ) so there was no need to have a new appraisal. The representative told me that those were my  options, there was nothing they could do, and that I'd have to continue to pay until I reached 78 %, or I could refinance to another company who wouldn't require PMI, or have their co do another appraisal at my expense. 


I meet all of the requirements- I am at 80 %, the property value has not decreased ( it is new construction and it was from 6 months ago- in fact we have now added a XXXX garage so there is MORE value AND i provided an appraisal that they clearly approved ),  and I am and have always been current on my mortgage payments. At this point I have paid 3 months of PMI unnecessarily, all of which could have been funds to pay towards my principal loan. 

Please assist.
XX/XX/XXXX I received a letter from Specified Credit Association , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, Phone XXXX XXXX XXXX Referencing a balanced owed of : {$140.00} Ref : XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never signed up for a membership at XXXX XXXX. 

I went to XXXX XXXX and found out that the XXXX XXXX Staff allowed someone else to sign up for a membership in my name as a gift and sign my name for me. 

The contract on their computer shows someone else 's name for the back account information for payment and my first name signed with a finger signature pad - NOT MY SIGNATURE. 

I never signed a contract, I never signed up, I never stepped foot in the gym prior to trying to resolve this problem. 

The problem began when XXXX XXXX Committed Fraud by allowing their employee to willfully allow someone else to sign my name on the contract. As a result, their bullying collection agency calls and says " How can you work out without a contract '' ... These guys are on an autopilot scan. 

Someone else to signed my name to begin an illegal contract. 

If the person that signed me up was told " the new member needs to come in and sign '' and I went in and signed they would have a valid contract. 

When employee could have signed my name for all I know. 

Specified Credit Continues to call me like it is the first time they are trying to collect on this debt. 

I ask them to quite harassing me and they hang up me. 

Specified Credit Associations Inc. has called me : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, I explained, again, I do not have a gym membership. 

How can I have a membership without a signed contract? 

I asked them to quite harassing me and they told me to " What my mouth '' and hung up on me.
I have transferred USD {$25000.00} through my local bank XXXX XXXX XXXX to XXXX The Funds were held and still blocked at the intermediary bank which is CITI BANK despite my Local Bank - XXXX XXXX XXXX providing them all the information, Citi Bank has not responded or replied to the swift transfer message, either intentionally or due to negligence on their part.
Called and spoke to XXXX and was told my fee could not be waived to make an additional payment to my esscrow account. I got an escrow shortage after I made my XXXX payment and I do not understand how a company can not void an {$11.00} fee as a courtesy for a faithful customer. I am not trying to make an {$800.00} payment I am only trying to make the {$280.00} for my escrow shortage. I do not have a USBank near me and I do not feel mailing in my payment is secure. I do not like seeing any type of shortages on my accounts which is why I was tryng to clear it out early so next month i can pay the {$790.00} its supposed to drop to. Do I really have to wait till I make my next mortgage payment to the escrow shortage or can I make it online now? It 's pretty sad, I have been waiting to refinance my mortgage to because I am waiting for a good offer to come in from USBank. But If they ca n't do a simple request like this, which I do not do because I prefer online banking what am I holding for? I also was told I do not qualify to have my MIP removed because if the type of mortage I have, is that correct? Is my only way to remove it is by refinancing o a different kind of loan?
I have had a phone number call me 3-4x/day the past 2 weeks who is trying to collect a student loan debt from XXXX College . 

I answered once and explained to him that if we could consolidate the loans I would be more then happy to start paying them but he said they ca n't do that and that they will continue to call me then hung up the phone! 

I understand they are able to call me but 3-4x/day really?? 
They call around XXXX-XXXX. Once around XXXX, Once XXXX-XXXX then normally between XXXX-XXXX Example : XX/XX/2016 XXXX - XXXX calls XXXX - XXXX calls XXXX - XXXX calls again! 
HOLD ON NOT DONE YET! 
XXXX - XXXX CALLS AGAIN!!! -- excuse you my time is just as valuable as yours there is no need for you to call me this often. 

if you are a debt collector out there I want to give you a word of advice, if you call someone this often I am extremely frustrated right now to when I do answer that phone call wo n't be a pleasant conversation
XXXX XXXX is reporting incorrect information on behalf of XXXX  of XXXX.