WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for mortgage relief with OcWen Services a few months ago. They responded last month by raising the interest due on my mortgage by about {$1000.00}. When I asked why, they said I should be paying 50 % of my income to them, so I could afford it. I kept saying I was asking for a lower payment not a higher one. They began calling and harassing me, and when I asked to speak to a manager in the US, they either out me on hold of said someone would call back, and they never did. I paid my usual mortgage payment in XX/XX/XXXX, and they refused to accept it. They say I owe the higher amount each month going forward. I don't understand how applying for mortgage relief can cause my payment to go up so much.
There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.
I had phone service with google using their XXXX XXXX. When the new XXXX XXXX came out they offered a trade in program where they offered up to {$400.00} for the trade in if i bought the new phone. I agreed to this and got {$400.00} for my phone and purchased the new XXXX XXXX XXXX with my credit card. I later on decided to cancel my service with them but before I did I asked what was going to happen to the {$400.00} that I received with my trade-in. They assured me that the amount was going to be issued to the card that I had stored on file. I agreed and switched carriers. About a month and a half later i contacted them wondering about my credit and they told me the only way I would receive the credit was in XXXX XXXX credits and that no other options were available. Customer service was not able to help so he transferred me a " specialist '' to help me yet still nothing. He escalated the issue to someone else. A day later I got an email and still they were unable to do anything. Customer service recommended me to get back with the XXXX XXXX to use up the credits even though I left because of the Customer Service issues.
I can not get my credit report accurate Equifax. They have erroneous security questions and continuously block my online access, no matter how many times i fax them my drivers license, the questions they pose have absolutely nothing to do with me, thus I can not enter the file or online dispute process. I do not have this issue with XXXX or XXXX. My credit score with XXXX and XXXX is near XXXX and XXXX has it listed at XXXX, it dropped over XXXX points in the last month alone. When I was able to finally view my equifax report, none of my new accounts were listed and none of the information I had disputed has been removed from my Equifax report. 
I have tried contacting Equifax to no avail. No resolution. I would like my Equifax file to be corrected or at least a ) have the ability to access it b ) have Equifax actually make the corrections it needs to. It should mirror the other reports but it is so far off it looks like someone else 's credit report. 

I am seriously considering suing Equifax for interfering with my Business plans as their inaccuracies are causing me to be denied credit unjustly and I plan to purchase another vehicle and I want a correct and accurate report by that time which is 90 days from today.
The inquires on my credit report were deleted. I checked my credit report again and they had been reinserted. I received no notification that the inquires had been reinserted. I also requested that the fraud alert on my credit file be removed. The fraud alert was reinserted also, and I did not request it.
I received an alert on my credit report that a company named Account control technology is now on my files. I have no knowledge of this debt. I have no idea where the debt came from because I have not been contacted by anyone at all. Please remove this from my file and provide some type of verification and validation that this debt is indeed my debt. It is unlawful to falsely report things without proper validation.
I received a letter from the Federal Trade Commission stating that they are suing Ameritech Financial, the business I have been paying for my student loans. I'm scared of that this means and trying to understand if I am involved in a scam, where my money went, and how to get out of it. I've been paying them for 2 years and the letter states that it has not been going to my student loans.
I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.
The insurance Company sent me a check & said it was mine to cash for an accident in XXXX. Next thing i hear a collections company is calling me for the money. I then tried to make a payment arrangement by giving them XXXX and expected a confirmation by mail on the payment arrangement and the plan. They never sent me anything in writing and sold the debt and now they are harassing me and the original payment went up
I 've had my Capital One Master Card for over 10 years, I got it during college to build my credit. My credit has substantially improved and for the past 5 years or so I called capital one and tried to cancel and they would waive the {$49.00} membership fee to keep me as a customer. Last year I called to try to have to fee removed for good, and the rep stated that could not be done. He did once again offer to waive it because I 've been a long time customer. He also stated if I call every year around this time I could get it waived, I agreed to keep the card because of this. I also told him to notate my account that he stated that. Today I called capital one and was told they could not remove the fee because their policy recently changed. I escalated to the supervisor and told him the rep last year said I could get it waived this year which is why I chose to keep the card. He reinforced the new policy and stated that if everyone got fees waived capital one would not make money. I told him I was misled into keeping this card, his answer remained unchanged.
I disputed the debt with Medical Data Systems on XX/XX/XXXX and it was signed by XXXX XXXX via certified mail. They passed the 30 day time frame and removed debt off my report. I later received mail on XX/XX/XXXX regarding account no XXXX, XXXX, XXXX and XXXX sating that the debt had been verified and that the XXXX XXXX XXXX XXXX  has provided them copies of an itemized bill. This itemized bill that they have provided me with has copies of diagnosis, what kind of test had been taken place. This is in violation of the HIPPA law. Please be advised that under Federal Statutes, The FCRA ( 15.U.S.C.1681 et seq and the state of Maryland consumer Credit Statutes and subtitle D of the ARRA, SEC . 13041. APPLICATION OF SECURITY PROVISIONS AND PENALITEIS TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; AND SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. They may be liable for the actions of ( Medical Data Services ).
On XX/XX/ I submitted a dispute with CBC Innovis in regard to inaccurate public records showing on my credit file. Namely, Judgement with XXXX funding, unknown judgement, and tax lien. I received a response back XX/XX/ that all public records were verified with XXXX XXXX. These public records are inaccurate and according to the law must be removed.
The loan has been sold several time with first sale by XXXX. Each time it was sold, higher interest was added.XXXX tried to foreclose when it went to court the judge dismissed and threw the case out because it was a predatory loan
I enrolled in an HSA account with Fifth Third Bank with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee to do so and have slowly been bleeding the account dry by applying monthly service charges on it.
XXXX XXXX XXXX is still reporting me missing payments ... ..like last month ... .when car was returned to them in 2012 and I was told it would be resold and I would be notified of any shortfall I would owe. Account was closed in 2012. I later wrote to them requesting information on the sale of the car, to whom sold, and for how much as my attorney said they had to do that. Nothing back from them. My attorney suggested that they were leaving the debt on me and had pocketed any resell cash from a " friendly '' party. I would like them to cease and desist once and for all reporting against my credit as if this were an ongoing loan and I am missing payment! 

Help?
I received a phone call from XXXX stating that I owed $ XXXX dollars in outstanding taxes and that if I did not pay immediately that a warrant for my arrest was going to be issued. The person would not provide contact information. He forced me to remain on the phone. He wanted me to go to my local bank but they were closed, so he directed me to the closest Walmart. He then provided me instructions on who to send a Money gram to, XXXX XXXX, XXXX XXXX, NV. I sent them {$1000.00}. Through all of this the phone was on. The total call lasted XXXX hour and XXXX minutes. When I got home, I invested this further and realized this was an IRS scam. 
The same person called back this morning, from a different number XXXX, wanting more money. I hung up on them and they tried calling back XXXX times.
This is now my FOURTH complaint regarding ELAN. First, the account was believed to have been applied for fraudulently and an identity theft complaint was filed. Second, there was no recollection of the account at all - resolved in that it was previously under another name ( XXXX ). Third complaint was that I never had possession of actual credit cards to be used for purchases. The response to this was that there were purchases made in my name. I do n't know how else to get through to ELAN that I have never been to any of the places where airline tickets were purchased for etc. I DID NOT make these charges. The statements that they sent also show payments which I also DID NOT make. To complicate matters, they have assigned an investigator at ELAN who I can NEVER get a hold of. These are n't my charges, payments or account after the initial charges only to XXXX XXXX XXXX prior to XXXX. I am livid that I ca n't explain to a person what I have described above. US Bank is just using big bank tactics to harm me and my credit. And in doing so is costing me more money and more time. I do n't know what to do to get this off of my credit report. Perhaps I should do a press release about US BANK. That probably would n't get through to them either.
Coastal Credit, LLC out of XXXX, TX contacted my neighbor on her cell phone several months ago and left a message that they were trying to reach me. I called back and it turns out they 're trying to get in touch with a woman who shares the same first and last name as me, who lives on the opposite side of the state. She has a different middle initial and is a decade younger than myself. I know this because he tried confirming I was her by giving me her full name, date of birth and city of residence. 

Today, I get a call from a coworker who says she got a call on her cell phone from Coastal Credit, LLC trying to reach me. I called back and it was the same person from Coastal Credit still trying to get in touch with this other person. He tried confirming I was this other person by giving me the street she lived on. I had enough information between both calls to pull up this other persons address, phone number, prior and scheduled court dates and public voting registration. 

Coastal Credit has been told twice that I 'm not the same person they 're looking for, have no outstanding debt, no account with them and they 've been asked to stop contacting me and my known associates. When I asked how they got my neighbors and coworkers information, the response was, " It 's just what we do. '' I have no idea how my information has been mixed up with this other persons even though we share a first and last name, but on two occasions they have contacted friends and coworkers. If I 'm not mistaken, according to the Fair Debt Collection Practices Act, they ca n't contact 3rd parties trying to collect a debt. They also shared this woman 's information to a 3rd party to the degree that I could walk up and knock on her door if I were inclined to drive across the state.
Huntington charged me a " return item fee '' for my XXXX XXXX payment this past month. The money should have been there but it was not because the returns that I have done were not processed in time even though the merchants had given me shorter timelines than they ascribed to. 

Furthermore, Huntington has consistently allowed me a grace period of one day to pay my XXXX XXXX payment. Somehow, they decided not to do that this month.
This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for SCRA ). This collection agency continues to try to collect and has put negative information on my report.
Yorkshire Acquisitions Group has been leaving threatening voicemails, making false claims, and calling me, my family, and my employer at an excessive rate. Side note, they have XXXX separate addresses ; XXXX was given to me in a settlement letter and the XXXX was given to obtain my credit report. The XXXX address is a XXXX. The XXXX appears to be an empty office space. The original debtor does not have record of the debt and neither do I. This place claimed to have sent summons to my employer, but encouraged me to not obtain it and just directly settle with them. They were willing to settle for an amount they verified as an amount I had on a recently opened credit card, but demanded it in 24 hours. They spoke to my husband and said they 'd see us in court before hanging up on him. They implied I 'd lose my home and stated my address, but continually said they were taking documents to my employer. Today they 've called me 4 times today already, called my employer twice, my husband once, and my parents once. They requested information from my credit report as well. I 'm terrified these people wo n't stop harassing me or attempting to steal my identity.
On XX/XX/XXXX I went to the Auto Dealership, ( XXXX XXXX, XXXX XXXX, NV XXXX ) to roll my lease into a purchase. I met with the salesperson who I used to purchase the lease in XX/XX/XXXX to talk about what options I would have to buy the car. He told me he would have to submit the information for approval since I am retired and on a fixed income. Later on that afternoon he called me back and said that I got approved @ a 9 % interest rate. Later on I XXXX " Interest rates on used cars '' and the current standard industry is around 4.5 %. The next day ( today ) XX/XX/XXXX I went back into the dealership to see if I could negotiate a more reasonable interest rate since I felt like they were gouging me. At one point during our conversation with the counter person who handles the loans the sales person looked at him as we were discussing the loan and said ... Isn't the rate@ 9.5 %? Yesterday it was 9 % and today it is 9.5 %? We continued on for a while and the counter person said ... It isn't us it is the main XXXX XXXX XXXX company that is setting the interest rate. A few minutes later we were still haggling and he said ... '' What do you want a point off ''? After that I started thinking if it was XXXX XXXX XXXX and not the Local Dealership were I was at making the decision on the interest rate ... Why would he be making that statement? He also mentioned that if I had a job he could get me a lower interest rate? Isn't that discrimination in lending? Why should I be treated any different than anyone else? I have been in this lease almost 3 years and have never missed a payment. Also the counter person kept mentioning that it was them ( XXXX XXXX XXXX ) not us setting the interest rate. I also have a credit score of over XXXX. So I just found this on XXXX ... 

Auto Loan Interest Rates | XXXX XXXX, a division of XXXX XXXX ... 
XXXX XXXX XXXXXXXX XXXX XXXX, Term, Interest Rate, APR**. 740 & Above, 0 to 48 Months 0 % Down Payment, 4.00 %, 4.00 %. 740 & Above, 49 to 60 Months 0 % Down Payment, 4.25 %, 4.25 %. 740 & Above, 61 to 72 Months 0 % Down Payment, 4.50 %, 4.50 %. 700-739, 0 to 60 Months 0 % Down Payment, 5.50 %, 5.50 %. 650-699, 0 to ...

According to the above I should get a 4 % loan w/a 750 or above credit score and my fixed income should not reflect the outcome of the interest rate XXXX XXXX wants to charge me. Also note the new car financing in the area is@ 0.9 % and 1.9 %. Hope you can help me with this as it saddens me that a reputable Corporation would want to gouge their customers just because they think that their behavior is appropriate. Anyway, thanks for your time and help.
I have been trying to dispute this judgement with Equifax several times. Equifax is closing these disputes with out making the proper investigation. This public record does not belong to me. This belong to my father XXXX XXXX XXXX. Please communicate with XXXX XXXX XXXX XXXX at XXXX to verify information as date of birth and social security.
Equifax stated they were hacked and set up a website to tell individuals if they weee affected at www.equifaxseciroty2017.com but this site does not actually tell you if you were affected or not. Entering information does not provide that answer. Only takes you to a page to sign up for credit monitoring ( and also agree to their TOS, which may not be favorable ). There is a number to call with questions, but hold times are so long you ca n't actually speak with anyone.
American Express offered me an unsolicited line of credit of {$35000.00} in the spring of XX/XX/XXXX XXXX their " Pay Over Time '' or " POT '' program XXXX. In addition, in XX/XX/XXXX, Amex sent a letter saying my interest rate for the first XXXX months would be 0 %. I used approximately {$20000.00} of the credit during the summer. 

In early XX/XX/XXXX, several days before the due date for my upcoming payment, and having encouraged me to increase spending by using their interest-free credit, Amex complained that spending and balance were too high, demanded immediate payment, and said they were cutting off use of the remaining {$15000.00} of the POT, pushing me into a XX/XX/XXXX default. In addition, contrary to their letter and my online statements, they 've charged me interest every month and refused to stop or refund that money. 

The complaint that my spending and balance were too high was made even though no payment was overdue, they have no pre-set limits on spending power, and my spending and balances in XX/XX/XXXX were only about 25 % of what they were in XX/XX/XXXX, when I never missed a payment. 

I had managed to avoid a default on XX/XX/XXXX after XXXX days of arguing with Amex over the phone, and could have paid the balance due XX/XX/XXXX if they had simply kept the card and POT line open. But for absolutely no legitimate reason, Amex closed the POT and pushed me into default on my payment due XX/XX/XXXX, so they can now charge me 29 % interest on my outstanding POT balance. 

It 's even stranger that Amex offered me the POT at a time when I was out of work, and then cancelled it the first week I started a lucrative new job. This feels like a predatory bait-and-switch - get the spending and balance up with an offer of interest-free credit, and once halfway there, cut off the credit and threaten suspension of the entire card to either squeeze a larger immediate payment, or cause a default and be able to charge 29 % interest. I relied on what they offered, and after I did so, for no legitimate reason, they changed the rules and turned my life financial life upside down. 

I 've had this Platinum card for over XXXX years and charged over {$400000.00} during that time, {$250000.00} in XXXX alone. I never defaulted, and never missed a payment during that entire time, with XXXX exception. A payment at the end of XX/XX/XXXX was returned by my bank because they had changed a practice and closed an account which resulted in a deposit I had made not being available to pay the bill. I quickly called XXXX to explain what happened, was told it was not a problem, and after fixing the confusion at my bank, the payment was promptly made. I was charged a " return fee '' on XX/XX/XXXX. But my POT was not closed then, or the month after that, or the month after that, or the month after that. They kept letting me spend and spend and use the XXXX until XX/XX/XXXX. In fact, it was XX/XX/XXXX when Amex offered me the 0 % interest, so the single " late '' payment in over XXXX years could n't have been a significant problem for them.
Experian shows my account Negative until 2022 which is 4 years from now and this account has not been late for 2 years and Experian has it Negative. 

this account should not take 4 years to go positive considering it has not been late for 2 years. Experian seems to say on my credit report its in the negative standing. I do n't no how it is when nothing has been late for over 2 years. 

I 'm also filing with the FTC on his issue
I have told them to stop calling my work phone # and they continue to call it more than once a day.
this case number was told by your office to me on the phone to go thru FTC. I did that but called FTC today and they told me this should be handled by your office. My complaint number with your office is XXXX and the complaint # with FTC is XXXX. This was a complaint to say : CREDITKARMA that reports what they say they get from the XXXX credit reporting agencies of XXXX and XXXX is NOT correct. XXXX DOES NOT have one of the collections that is showing in CREDITKARMA which brings my report number down with them. What I see is an error reporting from Credit Karma. I contacted them and told me they get their information from XXXX. I called XXXX and they do not show this collection on my report. So XXXX will NOT do anything because it is not on my report and Credit Karma will not remove it unless XXXX tells them to do so. THIS IS RIDICULOUS. I want this off my credit report with CREDITKARMA which is on my collection section of the report with XXXX XXXX XXXX. This does n't even show an amount because it is an account that was filed in BANKRUPTCY. This should say closed or not even show in my collections as they have it on my credit report for XXXX on Credit Karma. This was discharged and these people never showed to the creditors meeting if they wanted their funds. This is no longer my responsibility and should be removed. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2012 Open I should NOT be the one to be running around to get my report corrected with XXXX and Credit Karma because neither one is doing anything. This is XXXX and has been going since way before XX/XX/XXXX and I am not having XXXX because of this frustation. Please have someone correct this immediately. Thanks.