WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account  NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXXXX  XXXX
They collected {$400.00} from me while I was filing bankruptcy the representative lied to me and said I had to pay until it was fully discharged when I contacted my lawyer he told me that was against the law since all my debts were included in my bankruptcy
I was approved for the Citibank XXXX credit card in XXXX 2015. The welcome bonus was a {$650.00} credit to be used toward purchasing a phone from XXXX after meeting minimum spending requirements. I did that, and also purchased a phone from XXXX using the special link provided by Citi. That was in XXXX 2015. The {$650.00} credit was supposed to post to my account within a few billing cycles, but never did. I contacted Citibank on numerous occasions, asking them to look into the missing credit. None of those attempts resulted in a positive outcome. 

I 'm attaching the corresponding billing statement. On XXXX/XXXX/2015 there is a transaction for {$810.00}, listed under " Promo Purchase-Offer. '' This is the purchase of the phone from XXXX that should have triggered the credit. All Citi has to do is verify this with the merchant, but they have been extremely unhelpful, even after numerous attempts on my part to resolve the issue. 

Thank you for looking into this. 

Best, XXXX
I originally noticed a unknown collection of {$520.00} on my credit report, which I disputed ownership of. Later that month I received a letter from Adler, Wallach & Associates , Inc., who apparently owns the debt I disputed, stating I owe an additional {$3300.00}. I have no knowledge of either amounts they claim I owe. I promptly sent them a letter, via certified mail, within 30 days of receiving the notice. In the letter I requested that they verify the original debtor and amounts. Not 10 days later, I find the {$3300.00} dollars added to my credit report. Additionally, it is suspiciously dated 3 days prior to receiving their first notice. Not to mention, they, a California based company, are using Wisconsin Statues Sec 138.04 as means to apply interest to this debt, which is also suspect.
XXXX XXXX has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with Experian to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want XXXX XXXX deleted off of my credit report and Experian has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted Experian is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.
I opened credit account with XXXX XXXX on XX/XX/XXXX. The agreement was to pay the balance of {$2000.00} with at least a  minimum of {$110.00} a month. Logged in to their online portal to make the payment, used my debit card at the time to make the first monthly payment on XX/XX/XXXX of {$110.00}. The online portal accepted my payment and it was deducted directly from my personal checking account. I have copies of my bank statements to prove this. I noticed that although the money was withdrawn from my account, the balance owed on the account remained the same. 

I called the company and they said to give it time to clear and it can take up to 3 days to clear. Waited for the 3 days, again same response. The following month, made the payment on XX/XX/XXXX and XX/XX/XXXX for the same amounts of {$110.00}. My thought process was since it was a larger amount being paid off that the company would act faster. Made no difference, called about the payments not being reflected in the balance, they said that it takes time to clear to check back in a few days. The following month, tried one last time and it went through. But they were unable to account for the other three payments made and did not reimburse or apply it to balance even after it was deducted from my checking account. Since I did not continue to pay as they would not credit account for other three payments, they sent my account into collections. 

Now two years later, I am in the process of cleaning up my accounts and have disputed this twice with all three credit bureaus, with proof of bank statements where credit card companies can verify my personal data and XXXX  XXXX keeps claiming that the account is being reported correctly. Their last " confirmed '' payment date on file is on XX/XX/XXXX. They sent dates to the credit bureaus showing monthly balances, but have only shown dates within the last year and not the dates where the bank statement shows I made the payments. I need help clarifying this matter and updating my account to reflect the correct balance. As a consumer making responsible on-time payments, I was treated unfairly and am offended that I have not been helped with this matter despite reaching out several times to avoid being in this situation.
My mortgage was sold to PHH bank from XXXX XXXX   XXXX in XX/XX/2010. I have not been late in paying my mortgage which is due on the XXXX of the month with a 16 day grace period. 

XXXX bank has bee contacting me every month on the XXXX of the month informing me that my mortgage payment is late, when it is not. 
This has become a constant with these people, which is quite bothersome and a harassment to me. I feel they are trying to DAMAGE my credit by constantly calling me about my mortgage- which has been paid on time.
There was going to be a court-ordered debt Levy put on my bank from the Franchise Tax Board they gave me a certain time to pay it off I paid it off Wells Fargo still went ahead and charge me {$120.00} fee that they charge for such things and over drafting my account in doing so they took {$13.00} from my savings account to pay to put on to my main account then they over then they charge me a {$12.00} fee for that and now they overdrafted my savings account all all because of this Levy that was never really in put on my account
I had contacted all the collections on my credit score. None of them could provide any proof that they had saying it was my debt. I asked them to remove the debts and they stated they couldnt do so. I called them about 2 months ago and I had been told to reach out to you guys and get the items removed.
XXXX  all information sent in response to this complaint I filed are the same lies and fraud. I never requested this account s  XXXX , XXXX , XXXX , XXXX . the   letters I sent signed by  XXXX   XXXX , and  XXXX   XXXX   same executive  Office as this person   XXXX   XXXX   for example account ending on  XXXX  only had 5 day statement and all those charges show that there were phune payment and online reversals on the statement of card ending on  XXXX  that was never created by me. An in addition they show balances transfers. this balance transfer of {$8500.00} you stated to the  XXXX  checking acct. All thi sthings are lies and made up by this individual. You have copies of all letters from   XXXX   XXXX  ,   XXXX   XXXX   and stmnts. i would like to go to court agauinst wells fargo and want this person  XXXX   XXXX  fired or go to jail for his lies.Finally, i pull all my credit reprots and there were no credit inquires at all in those dates they mentioned and I pull my phone calls and none was done as well in those dates. Finally, I never stated that my family member was auhtorized or who did all this. in addiotn spoke with an individual in  XXXX   XXXX   and the re was an individual from wellsfargo in  XXXX  coprorated office ands h ewas the one who transfred this information to th eindividual in   XXXX   XXXX   who state dthis person said that is was my stenson and I dont hav eany stepson at all. Been married 29 years an dno kids with my wife. All this application copy they sent is another lie It show a maiden name  XXXX .   I would like to have everyone involved in all this wells fargo fraud/lies and we can got to court and take lie detesto r teste a nd would to file a law suit asap. They have damaged my credit and I have been with wellsfargo over 12 years never had problems until now and that is why they got charged over  XXXX  millions and they are going to get charged more. I addition I even sent everything to there midiation as they wanted to no avai. EVERYTHING THEY HAVE RESPONDED ARE ALL LIES AND ALL YOU NEED TO PULL IS THEY LETTERS FROM THE DIFERENCE PERSONS SAME  EXE OFFIC E.
My mortgage got switched over to Caliber home loans Inc. Mortgage Services as per XXXX 2016. I 've had nothing but problems with them. I have owned my house for 14 years and have had nothing but problems before and after they acquired my mortgage account.I have called them had spoken to costumer service they stated they do what they want not what I want and at the end of my inquire they ask me if there is anything else they can help me with, leaving me speechless. They do record the conversations and I do recall my conversations with them. Not applying funds on time, not complying with my request of payment history, annual report and all the activities recorded included late fees, attorneys fees applied to my account. Caliber Home Loan Inc. Mortgage Servicing refused to answer my question pertaining to my account. Caliber have refused to answer to my correspondence with inquiry pertaining with a double dipping payment caliber home loan is getting paid twice for the same negative escrow balance, not applying funds, submitting false allegation of missing regular monthly mortgage payments to chapter XXXX  trustee for missing payments modification. It 's like they want possession of my home.Problems : Service issuesBilling collecting issuesCostumer Service issues
On XX/XX/XXXX I submitted a payment to Calvary Portfolio Services for less than was owed in a Pay for Delete agreement. I asked before submitting any payment that this will mean the tradeline is deleted and I never have to hear about it again. This was verbally confirmed by Calvary 's law firm via phone call on XX/XX/XXXX. Calvary is now claiming that there was no Pay for Delete agreement, but this is what was agreed to with their attorneys and I quote " when I pay this it will go away and I will never have to hear about it again '' - I was assured the answer was yes and that I could submit my payment online. Calvary is unreasonably refusing to delete the tradeline, per the agreement made verbally with their lawyers, because I did not get it in writing. I do, however, have a phone call recorded and I will be looking into securing a lawyer if this tradeline does not get DELETED.
My brother and I both have XXXX Capital One Credit Cards. I  want to report and wish to request that the proper government bureau investigate their practices on charging interest particularly when there is ongoing Same As Cash deferred interest programs on the account. On both credit cards, we have purchases that have 0 % financing for 6 or 12 months ( deferred interest ). XXXX/Capital One calls this " Same As Cash ''. We have XXXX XXXX and XXXX cards that we also utilize the special financing on. However, only on the XXXX cards do we get charged random interest. I have attached the last two months statements for you to review. I'm complaining that they use an unethical, illogical method that unnecessarily charges the consumer interest at 25.99 %. They apply the payment amount in excess of the minimum payment to the Same As Cash Credit Plan with deferred interest that is ending within 2 months of the actual expiration date rather than paying off the Regular Purchase amount. This defeats the purpose of buying something with special financing. If they are applying my payment to the special finance balance 2 months earlier then it is technically not zero interest for 6 or 12 months. Their method is not industry standards and they fail to mention anywhere on the statement the minimum amount the consumer has to pay to avoid any interest. They did credit the interest to us in both instances but they made it like they did it as a one time courtesy. I am paying off the balance in the next two months and cancelling both cards. I would kindly ask you investigate this to see if what they are doing is legal and ethical because I'm sure many other consumers are being affected like me.
I reconsolidated my student loan debt thinking it was the smart thing to do. I work for a non-profit agency and have for the past 10 years. I reconsolidated back in XX/XX/XXXX. 

I was nit too familiar with the company I chose to refinance and was overwhelmed at the time due to financial difficulties of going through a divorce with a child. 

I pay my loan to XXXX XXXX of {$180.00}, in the middle of the month, but then I get a separate charge taken directly out of my bank account under Equitable Acceptance of {$45.00} at the end of the month. Equitable Acceptance is a third party, but I never seem to get a clear answer as to why I being charged this fee when the whole idea is for me to pay less and have loan forgiveness in 10 years.
My credit score as portrayed by the bank shows I have a good credit score and the XXXX XXXX reports a XXXX which is a misrepresentation of my credit score
On approximately XX/XX/2018 Wells Fargo accepted my offer to purchase a foreclosed ( XXXX ) home at 23 Stage XXXX XXXX, XXXX, MA XXXX. The acceptance was based upon a pre-qualification letter from my lender. 

Since there was a seven-day home inspection contingency, the inspection was performed to meet the deadline. Although the listing agent refused to de-winterize the home by activating the water, I paid {$550.00} for the inspection to determine if it was in my best interest to move forward with the sale. The inspector found no major problems and recommended it was safe to advance with the purchase. 

The listing agent is now denying an appraisal of the home. It is well known throughout the housing industry that a loan is not granted without an appraisal, regardless of the type of loan ; however, XXXX XXXX stated to me if she knew it was this type of loan she never would have accepted the offer. This type of loan is a XXXX XXXX XXXX XXXX loan. The statement is discriminatory and leads me to believe there are other motives for the refusal of the appraisal. My realtor, along with my lender and several housing professionals, have never heard of denying an appraisal since it is a requirement from all lending institutions regardless of the type of loan. 

My lender offered an alternative of accepting the Assessment Report from the Asset Manager. This request was also denied stating an assessment report was never performed. If this is the case, how was the asking price determined? 

XXXX XXXX was also contacted by U.S. Housing and Urban Development and informed them I do not qualify for a loan to perform repairs on the home. This is not a fair statement since the repairs have not been determined. 

Therefore, I am filing a complaint against Wells Fargo and XXXX XXXX from XXXX XXXX for unfair and abusive practices. Their refusal of due process violates Federal Consumer Financial Laws.
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. It was not signed by anyone, but stated that it was to collect a debt and that if I needed additional information, I should contact them. ( I did have a charged off account from XXXX XXXX XXXX in XX/XX/XXXX, which I tried to make arrangements to pay, but due to not having a job, they stated that I could not make payment arrangements because I could not show a source of income,,, even after I told them that most of the payments that had been made for the last 10 years of good payments were made while I did not have an employer. It was very frustrating to try to work out an arrangement and eventually failed, because I would not lie about income. ) The letter from C and W indicates a balance due of more than {$4000.00}, but the limit on that card was {$4000.00}. They state I should contact their office to make arrangements to pay the unpaid balance. ch The letter was dated XXXX XXXX, 2017 and they gave me 30 days to dispute the validity of the debt or any portion of the debt. It states that no attorney has evaluated or reviewed the circumstances of " my '' account, but that it is from a debt collector and an attempt to collect a debt. It is not signed by anyone, only Sincerely, Cooling and Winter. I not feel comfortable replying to or calling them. Is this a legitimate way to practice?
This agency which has less than a stellar reputation on the internet is calling me from unavailable numbers. This scam related agency decides to initiate phones calls without any disclosure verification of any debt via the US mail.
I contacted Experian on XX/XX/2018 about incorrect addresses that appear on my credit report. They are reporting this erroneous address as XXXX XXXX XXXX XXXX XXXX, ND XXXX, and XXXX XXXX XXXX XXXX XXXX, ND XXXX. When I talked to XXXX, the Experian customer rep, she explained to me that the 23 accounts that are tied to these physically unverifiable addresses can not be removed without a letter from the creditors asking to have it removed. I explained to her that, as a credit reporting agency, Experian must, by law, report CORRECT information, lest they be sued for fraud. She remained steadfast that unless the creditors from these 23 accounts contacted Experian and admitted their mistake in reporting these erroneous addresses, there was nothing she could do to remove these accounts nor the unverifiable addresses.
This card was created and charged at a dental office. I was quoted a price of XXXX dollars for services and told that they had a credit card I could apply for there. XXXX is the place. anyway while i was under XXXX they had me sign some papers. when I received the first bill it said XXXX or somewhere around there.I called the dental office and spoke to a worker in bills and payment and she said well, they said i had more XXXX that were distressed and it cost more, but yet they didnt tell me that up front. then also Im on medicaid and i found out they also charged them for some things they had charged the credit card. I was angry and refused to pay the credit card for awhile but then i didnt want my credit to be ruined so i agreed to large payments each month till i paid off the principle because i didnt know what else to do. but now they want the interest for the year i refused to pay and i dont feel i should have to pay that. because i was lied to, to begin with. that was in 2014 and they have turned it over to a collection agency and they keep posting it and its dropping my fico and credit score. I pay my bills, and im XXXX on time, I hate this situation but I refuse to pay for something i never agreed to from the beginning, even though I did pay the principle in which i think that was theft to begin with. please help if you can.. thank you
Americollect received my dispute that was sent certified with a return receipt on XXXX/XXXX/XXXX ( see attached ). I specifically requested that this company provide me documentation that reflected I indeed owed the debt they were alleging, provide documentation that bore my original signature, copies of all invoices, receipts, and summaries for this inaccurate, unverifiable entry they are reflecting on my credit reports ( see attached ). Additionally, since Americollect is a 3rd party collection agency and is attempting to collect on behalf of a healthcare organization ( see attached response from Americollect ), they are required to ( based on HIPPA ) to have documentation on file and provide that upon request whereby I gave the healthcare organization the authorization to share my information with this company. To date, Americollect has not provided any documentation to substantiate the alleged charges other than a mere letter that they typed on their letterhead ( see attached ). This entry 's reporting is in violation of my consumer rights and therefore should not be reflected on any of my bureau reports.
Under public records, I have a case filed with XXXX COUNTY REGISTER OF Docket # XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX And it was filed on XXXX/XXXX/XXXX and it was resolved out of court and paid on XXXX/XXXX/XXXX. My problem is that they refuse to remove this information after it has been over 7 years. and statute of limitation for Michigan is between 6 or 7 years. And TransUnion want to keep it on record till XXXX. It has been removed from the other XXXX credit bureau. I really want this to be corrected asap. 
Thank you, XXXX XXXX
I have had an account with the company ( OneWest Bank ) who has held my XXXX mortgage ( HELOC ) since 2006. I have excellent credit and have never had a late payment reported until last month by OneWest/CIT. I paid through their web portal as I have the prior 100+ times previously. The transaction went through without issue. I did not capture a copy of the confirmation. I received zero communication from them that a payment was in arrears. I was notified by my credit monitoring that my score had changed and immediately paid what they showed to be in arrears and called them. They told me that they could not authenticate me although I provided every piece of personally identifying information they requested. They told me they would not speak to me. I asked to have this escalated to a manager and they refused. After much badgering, they said they would have a manager contact me, but, they never did. I purchased the email addresses for their corporate level management and emailed them. Someone emailed me back and said someone will be in touch. It 's been 13 days and no response. I have tried to contact them multiple times via telephone and email and they have been unresponsive. My credit score has now been severely impacted and I 'm in the process of refinancing which may impact my ability to close. I have submitted disputes with all three credit bureaus. I am furious and can not believe that a company I 've had an account with for 9 years would violate my rights under the Fair Credit Reporting Act. A company that so blatantly violates a consumers rights in this manner should be made an example.
XXXX XXXX XXXX sent my account straight to Meridian Financial collection services but they never sent me an initial bill ( no email, phone call or voice mail ). The only notice I received was from Meridian via the US postal service. If they were able to find me, I don't know why XXXX wasn't able to. 
Once I investigated what may have happened, I paid Meridian immediately ( including their collection fees ) in full, within 5 days.