WillisBack/dataset-financial-user-claim huggingface dataset:
I have been filing disputes for YEARS with all XXXX of the credit bureaus and they continue to not listen to me, and not supply me with the information I have been requesting. I am now almost XXXX and I have spent years attempting to repair this damage but I 'm a XXXX mother working XXXX full time jobs to pay for the roof over my head!! I ca n't afford to pay for someone elses bills also!! There are all different accounts listed on all of my credit reports with names spelled similar to mine, yet NOT MINE! They do n't belong to me and they are n't mine! Some of them are addresses that I have never lived at! I put a fraud alert on my credit report to prevent anyone from opening any more accounts, but going through the socials and the XXXX and the names -- -- they do not even match mine!!! Ive been begging the credit bureaus to remove them as I ca n't even apply for a mortgage because of all of this garbage on my report. Please help me. I 'm doing the best I can but I am only one person. I 'm not one of those free riders that live off of the government. I do everything on my own without even a drop in child support. I need to have this corrected and quickly! There are also about XXXX hits on my credit for credit that I never even applied for! There is also XXXX XXXX accounts that are clearly not mine as I have XXXX NOW!!! How could I possibly owe them money on XXXX different accounts! The information does not even match my info! Please, please, remove all of this junk from my credit report. Please!
On XXXX/XXXX/15 I issued a request through a Nelnet customer service representative to change my payment due date from XXXX/XXXX/15 to XXXX/XXXX/15 and explicitly confirmed that it would be in XXXX and not XXXX. Yet my next payment is due XXXX/XXXX/15. This is the second such occurrence where I issued explicit instructions, the student loan servicer representative confirmed the change, and a different change was made.
I previously lived at a community due to a divorce I moved out. I turned in my divorce decree and the filed and signed one after stating that I was no longer living at the apartment and therefore will assume no responsibility to that address. My ex spouse stayed, I am not sure how long. Hunter Warfield appeared on my credit in late XX/XX/XXXX I believe. Never before had it appeared NOR had I received any letter from the community or I would have had it addressed and corrected. Hunter Warfield wont give me details on the debt. They claim they did not have that document I sent it to them. they stated they needed to speak with the community. The community states they are under new management and can not locate my file. I have been stuck in limbo with both companies since they can not file a file. I have supplied the information I have that is legal documentation stating only my ex spouse is at the apartment and only he is responsible. The collection agency wont answer my calls and just email me with a generic email stating they are investigating. This has been since late XX/XX/XXXX and the debt is illegally still on my credit report! Please help me remove this debt I do not owe. I can provide this legal documentation if needed.
Lender has set a foreclosure sale date during short sale review process. Short sale was submitted for review. DiTech mis-assigned the file and changed systems which created delays. Alleged correspondence from DiTech requesting additional documents never received. Although this is in loss mitigation review, DiTech has now scheduled a sale date and refused to postpone to review for short sale.
I have a vehicle loan with Ally Financial, for {$200.00} on the XX/XX/XXXX every month. I had auto billpay set up, and in XX/XX/2017, I received a bill pay check in the mail from Ally. I turned off my bill pay for the month from XXXX XXXX and deposited the bill pay check I received. The amount {$200.00} was taken out of my account twice by mistake since the automatic bill pay still went through and the bill pay check was deposited. I asked XXXX to reverse one of the payments since I was charged twice. I was then contacted by Ally, stating that when they tried to collect my payment it was denied by my bank. I informed them I was charged twice and only reversed one of the payments, my XXXX   account matched this information. Ally responded by saying that they only received one attempt at payment, which was declined and they proceeded to charge me a {$10.00} late fee, in addition to an extra {$200.00} to be paid on top of my next payment. I spent countless hours contacting XXXX   XXXX and Ally to figure out where the problem was, even going as far as to send multiple copies of my bank statements to Ally highlighting the error, and opening several investigations. Each time I was told an " investigation '' was underway, I was told to call back again in 10 business days. Each time I did this, the person who I reached at Ally had no knowledge of the investigation, and none of them were capable of pulling up my bank statements, despite me sending multiple copies. After weeks of correspondence, I learned that the bill pay check that I deposited was taken by XXXX, ( deducted from my account ), was never received by Ally. This made my extra payment reversal appear as though I reversed my only payment on their end. I was told that they have no records of the check ever reaching them, and they even ruled out the possibility of it being deposited to someone else 's account by back checking the check number.
I have a CareCredit Card with XXXX XXXX. My issue is that it is that the company is making it too difficult to pay off charges with extra payments in a way that avoids having their excessive interest rates kick in.
I have three different charges, with three different expiration dates (XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). Payments are made the first of each month, with minimums being applied to each of the charges. I can pay off the first one in time with three extra mid-month payments of {$600.00}. But to do that, they inform me I must cancel my autopay setup with them and call them on the exact payment day ( not a day earlier or later ) and make the minimum payments, add the extra payment, and tell them to allocate the extra to the first loan.
I suppose this is in the fine print, although the wording is extremely confusing. Nonetheless, I think this amounts to a kind of scam in that you must be super vigilant on your end just to pay them back. It 's unreasonable. You are trying to pay them early. They should be glad. But of course, then they lose the interest they were hoping to take from you because of their over complicated system.
I suppose an interest free card, even for medical costs, is too much to wish for. But why do doctors subscribe to these cards, if that is the case? Are the doctors paying them, too? Or does the card pay them a percentage of the accounts that end up paying interest because you do n't understand or do n't just through their very narrow hoop in just the right way?
It just smells of a kind of loan sharking scam to me, preying on vulnerable people with medical bills they are already struggling to pay off.
I have a transcript of my chat from today that I will attach.
It states in 2016 I opened an account and owe {$690.00}. This information is false. They have now placed this information with collections.
My home is in foreclosure from Citi Financial. We want to keep our home but they are not willing to coraperate.They said we can not modify our loan we applied for hardship they said no didnt receive all required information, but i sent it by mail with a receipt of it being mailed.Everytime we call about our loan they have to search for it cuz they cant find it.we have been paying on mortgage for 15 yrs and owe more now than when we took out the mortgage.
Company is reporting a debt that does not belong to me that was open on XX/XX/XXXX on all 3 of my credit reports XXXX, XXXX and XXXX. I called the company 2 times about the account and got no help. I called this company XX/XX/XXXX and again XX/XX/XXXX. I called and requested the original contract bearing my signature verifying that this is my account and as of today I have not received it.
Chase Freedom Reward Credit Card / Amazon.com Reward ( provided by JPMorgan Chase & Co. ) Chase decided to close my credit card accounts. At the time of the account closure, I had more than {$200.00} in rewards balances. Chase did not refund to me, nor apply the rewards balance to the balance on the credit cards. Chase " forefeited '' the value of the rewards account. I now owe Chase ~ {$270.00} for the balances on the account. Chase is unwilling to apply any rewards value to that balance. 

I imagine there are a significant number of potential class members who have had their Reward balance " forfieted '' when their account is closed.
I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!
Debt was not validated by this debt collector and I have tried to send letters and emails without a response. Under FCRA laws they are required to orovide original documentation validating this debt is mine. If they are unable they must remove this supposed debt from all three of my credit reports.
I deposited a check for {$2000.00} at my checking account that was given to me by outstanding debt and the check was a fake and I had no knowledge of it, the Bank now has me locked in all banks and can not open any checking account, I have tried to locate the person that means the check and i have been unable
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate a charges on my Chase card from XXXX XXXX XXXX on XX/XX/2016 of {$3000.00}. I just did a complaint but forgot to mention this charge, there are so many of them that It is hard to keep up and remember all of them.I got contacted by this company by an unsolicited telemarketing phone call. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.
I had gone into a Wells Fargo bank when I lived in XXXX XXXX California because I lost my Debit card, the teller had me meet with one of the managers at his desk, and they tried to talk me into a college credit card I told him I did n't want another credit card and no thank you I just needed a replacement debit card. Two weeks later I received a credit card and a debit card in the mail. I was so aggravated I worked XXXX jobs and was taking XXXX units in college I did n't have time to go to the bank or to sit on the phone right away to cancel the card. Within a couple of weeks I had a small overdraft and it went strait onto the credit card and at that point I knew this was going to show up on my credit report and I was trying to keep my revolving credit low. Since then I have been trying to pay this card off and close the account but it has cause me to have late payments and has just been a devstaing to my creidt and has blocked me from buying the home of my dreams.This card has been nothing but a headache affecting my ability to get a home, and a new car with a good rate this has been haunting me for a little while now. I had gone into the bank since then and told the teller and she stated I would have to call the bank. I was so shocked that someone could do this and they do n't even want to fire the guy, he was there at work that day I went in and pointed him out to the teller and all she said was to call. XXXX
These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My Transunion credit report due too hippa violation!!!
Select Portfolio Servicing has opened an escrow account charging outrages fees and charges. My original mortgage did not have a escrow in my mortgage loan documents in XX/XX/XXXX. Since this company is the 3rd or 4th to purchase or service my mortgage I've repeatedly called to get these excessive charges and escrow account fees, and escrow stopped and refunded. Each time I called them over two years I get a different missleading, answer. This week I spoke with three different people, three different answers.. One supervisor even said I don't have an escrow, when two other representatives told me I do in previous conversations during the same call. This same company placed lender based insurance and flood insurance at an excessive monthly amout ... XXXX flood and XXXX  homeowners, doubling my payment I was struggling to make. In XX/XX/XXXX I got a homeowners insurance and after numerous calls to Select Portfolio I was assured the day I uploaded the policy the XXXX would not be charged to my account - it is now XX/XX/XXXX and the have not removed the Lender based homeowners policy cost, they're explanation is now that they paid it quarterly and will continue to charge me, even after they guaranteed me this charge would quit ... How can a company charge me when I have coverage, and an excessive amount that makes my XXXX mortgage over 700.00 monthly. With each added cost, an escrow they put on my mortgage. Adding excessive charges they are setting leaders up for foreclosure. Each explication is different, theyre praying on poor people and my payments could be more manageable if they couldn't charge me for quarterly lender bases insurance. If I was informed during any of my conversations I would of and could of waited the quarter out and paid them, not paying twice ... .. They purposely mislead you, they even charged me in the past for taxes in this supposed escrow that I paid. I had to call and call, and fight and argue with this company for over two years to keep my home.. at this time I'm just two weeks late on one payment and they had a payment arrangement and still threatened me with default, and added additional charges in the escrow ... Each time I request they review my loan documents They want me to supply them ... I will not, this company should have the ability to look at a loan they are servicing, and follow the loan. I have repeatedly called and requested this, through this company, the past loan servicer XXXX and the one before. Until this month for many years I have struggled to keep my home, I now have a better paying job and will soon be caught up. Except for all the added Charges. I want the escrow removed I don't think it's legal to charge me Leander based homeowners for months I had coverage,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. The sent me a letter, the flood ins charge was supposed to be XXXX, they are charging me XXXX  why? Fees, charges, fees, charges, escrow amount all this has doubled my mortgage and quickly forces me in default before I got my new job. They are rude, misleading, and seem like a bookie, charging me excessive amounts to set me up for them to own my home
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. The name of the credit card account was Kay Jewelers who already closed my account on XX/XX/XXXX as charged off and tried to get paid again by putting me in collection.
I have held a mortgage with PHH Mortgage and its predecessors for the past XXXX years. I refinanced with them XXXX years ago for the same property. Since then, they have instituted aggressive collections calls when my mortgage is not even overdue. I have never paid this mortgage XXXX days late nor have I paid a late fee for being past the grace period. I do n't understand then why they call daily from their collections department every month if I do n't pay exactly on the XXXX. It usually starts with robocalls on the XXXX. And I do n't want to pay them until my tenants ' rents are paid. Their XXXX outsourced call center is incompetent as well. I told them to not call me but they said they would continue to do so. And they call cell and home multiple times. They told me they want me to sign up for automatic withdrawal or they will keep calling. Well, I do n't trust them with my checking account. They have n't proven to be trustworthy. I see no basis for calls when the bill is not overdue. I always pay by the XXXX. Usually the XXXX. I have another mortgage with the same company, and they never call me regardless of when I pay. This second XXXX was n't refinanced and is the original loan. They are both on the same servicing website XXXX It makes no sense and is very offensive. Please help until I can refinance and dump them. The actual loan rate is fine. It is just their utter disrespect and incompetence I ca n't stand. Since when does a company start collections on someone every month and insult someone who chose to keep them when they refinanced? Had I known, I would have found someone else.
I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.
SANTANDER CONSUMER USA is attempting to collect a debt that I have previously tried to settle upon proof of claim.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX, SANTANDER CONSUMER USA received a Debt Settlement Offer each time giving 10 days to provide documents that prove I owe a debt.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX SANTANDER CONSUMER USA received a Request For Admission & Affadavit Of Fact each time giving 10 days to rebut and respond. On XX/XX/XXXX SANTANDER CONSUMER USA received a Notice of Default and Estoppel followed by an Affadavit of Default and Estoppel received XX/XX/XXXX. SANTANDER CONSUMER USA has yet to respond to the forementioned to provide proof of claim and has defaulted but continues to pursue collection activities via Credit reporting agencies, phone calls, and sending a payment request to my home address and not to my XXXX XXXX as requested and I marked " return to sender '' due to no proof of claim. It was received by SANTANDER on XX/XX/XXXX. SANTANDER CONSUMER USA continues to harass me and is causing my family and myself stress as I am unable to purchase a home due to this alleged account on my credit report. I have never spoken with anyone at this company nor have I entered into any contract ( s ) with this company and they refused to provide any wet ink signature, original document ( s ), two party contract, rebuttal of affidavit, or any of the items requested which will be attached documents included in this complaint as well as proof my mail was received by SANTANDER CONSUMER USA. I have given SANTANDER CONSUMER USA six ( 6 ) opportunities to provide proof of claim and after 9 mailings have dishonored and defaulted in this matter.
On XX/XX/2018 at XXXX XXXX XXXX we received a call from Monterey Financial XXXX. Person leaving the message was clear until what the matter was regarding and then made what they were saying very hard to decipher until she gave the phone number and extension to call her back at.
The basis of my complaint is that Fidelity Creditor Service has been reporting against my credit since XXXX without valid proof of debt. 

In spite of their claims to the contrary they have never provided any proof. Since I know for a fact there was never any agreement between me and the supposed original creditor it is impossible that any proof could exist. Since XXXX FCS has been trying to force me to pay them {$9300.00} without a Contract or Agreement, Signatures, Invoice, or Court Order. Nothing in the documents they provide implies, suggests, or proves a debt for any amount is owed by anyone. They continue to illegally report against my credit trying to force me to pay them {$9300.00}. 

This was totally substantiated by the documents they eventually did send me due to the complaint I filed with the CA XXXX in XXXX, XXXX. In their accompanying letter FCS suggests that if any questions I should contact the original creditor XXXX XXXX. I have informed FCS many times the original creditor XXXX has been out of business nearly 3 years. I have repeatedly requested from FCS updated contact info. Call the phone number they provide and hear for yourself it is no longer in service. A perfect example of how FCS tries to intentionally mislead and misdirect. Copies are included. 

Fidelity Creditor Service insists a proposal form and filings for dismissal of a small claims court case is considered a valid debt. This filing clearly shows me as the plaintiff and the supposed original creditor as the defendant. She in turn was going to countersue. Both cases were dismissed before going to trial. A quick search of XXXX County public court records using the case number provided from FCS clearly shows the entire case dismissed. A copy is included. 

In XXXX, XXXX I filed a complaint with the CFPB against Fidelity Creditor Service in an effort to force them to provide to me proof of this debt. They could have just simply sent it to me but instead uploaded a reply full of inaccuracies clearly designed to confuse. Their reply states they have validated this debt and are quite satisfied having it remain on my credit. 

To help illustrate the frustration dealing with the ongoing FCS lies and deceit I am including a page from my credit report. It is the result of an XXXX request sent in XXXX, XXXX to FCS on my behalf to validate this debt. A copy is included. 

I am also including documents that while not directly connected to my situation illustrates how FCS has a proven history of a complete lack of moral or business ethics to attack unsuspecting consumers. It is my opinion the XXXX/FCS operation is unlawful and predatory. They advertise that a consumer 's credit will be reported against for a small fee while taking no responsibility whatsoever regarding debt validity. 

Sincerely, XXXX XXXX.
On XX/XX/XXXXI purchased airline tickets to fly on XX/XX/XXXX with XXXX XXXX for {$810.00} using my Chase credit card. On XX/XX/XXXX I went ahead and disputed {$61.00} for a billing error made by the merchant. A few months went by and I called Chase to find out what 's happening with the dispute. I was informed that the merchant had not yet contacted Chase. I was advised by the representative to close down the dispute in order not to risk the tickets being canceled and to reopen post travel. I was assured this wo n't be an issue. On XX/XX/XXXX XXXX XXXX declared bankruptcy and canceled all future flights mine inclusive. On XX/XX/XXXX I contacted Chase to dispute the charge in full and I provided full documentation supporting the claim. My case was closed for no reason and reopened twice with Chase not providing any information for the reasoning of this not being dealt with. The last time the case was reopened was on XX/XX/XXXX. Today XX/XX/XXXX I was informed by Chase that my claim had been closed permanently on XX/XX/XXXX this time explaining that to much time went by since the purchase was made and I will be held accountable for the full amount of {$810.00}. Please can you help me with this as it 's highly unjust for me to have to pay this sum in vain as I never received any services or goods. The dispute case number is : XXXX.