WillisBack/dataset-financial-user-claim huggingface dataset:
Name of Company : AAFES Military Star Card I'm trying dispute some late payments that was placed on my credit report from XX/XX/XXXX-XX/XX/XXXX. I tried to dispute it before with my justification being that I signed for automatic payments to be made through the Star card website but then later learned that the payments weren't being made. And due to high Operational tempo and being deployed I had limited internet access to resolve this issue. 

- I have tried to dispute this multiple times with no success and on XX/XX/XXXX I even contacted the company but they were unable to help me. 

Company 's response is found below : Hello XXXX XXXX   XXXX, Thank you for contacting Exchange Credit Program. 

Regarding your credit reporting inquiry, we can only remove negative reporting, if due to an AAFES error. 

Statements are sent out monthly to the address or email address on file. It is the responsibility of the account holder to be aware of their balance and payment information, per your terms and conditions. 

Therefore, we can not remove any delinquencies from your credit report. They will be removed by the credit bureaus after a 7-10 year period from the last activity date. 

If you have any further questions, please email XXXX or contact MILITARY STAR at the phone number listed below.
bank of America XX/XX/17 account opened in my name I was XXXX  I cant XXXX XXXX XXXX due to a XXXX  while I was XXXX XXXX. the company said I was lying and I must pay
Enhanced Recovery   Group is trying to collect on a debt that does not belong to me. They also can not show proof o f any contract for the said debt.
XXXX or Allied continued to report an open collection with them from XXXX. This collection had been moved from them by XXXX back in XX/XX/2016 and they were still reporting to my credit as of XX/XX/2016. When I notified them they refused to provide me with documentation from them stating that it was still being reported by them to the credit bureaus erroneously. Even after I informed them that this error on their part was jeopardizing my job.
BMW Financial Services at XXXX keeps calling for a XXXX XXXX ( Not sure of spelling - that 's just a best guess ). These are robocalls, with absolutely no way to tell them that we have no idea who this person is. We have received at least XXXX such calls, and have attempted to call back to let them know - only to be confronted with a phone tree that has no option to speak to a human or to let them know in an automated fashion that their contact information is erroneous. This is not only harassment, but harassment of the wrong people. Please prosecute these alleged people to the full extent of the law
XXXX XXXX XXXX. sent me a notice that they are attempting to collect my student debt. This notice dated XX/XX/XXXX was received by mail on XX/XX/XXXX. I have since attempted to contact them regarding my debt and have received NO response from XXXX XXXX XXXX. In ever communication I have made I have provided my name, account number, phone number, and email.I called and left voicemails on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called almost daily but I have not always left a voicemail. They have also answered the phone and asked to take a message because their voicemail system was "too busy."I have sent emails through the XXXX XXXX XXXX website "Contact Us" option on XX/XX/XXXX and XX/XX/XXXX.I have sent 2 certified 2 day delivery letters on XX/XX/XXXX explaining my situation and the fact that I cannot get a hold of them. One letter was sent to their complaints department whose address was provided on the back of the notice. The other letter was sent to the mailing address they provided for contact on the front of the notice.I am now past my 30 day period provided in their notice and they still have made NO attempt to return my communications.They have also added over $XXXX to the requested debt amount since my last received communication from the Department of Education.
I applied for a Small Business Administration XXXX loan with Arvest Bank last year for my VA Certified Service XXXX Veteran Owned Small Business- National Veterans Service Bureau , we were denied. I again filed for a loan XX/XX/XXXX we were denied again after getting XXXX worth of Student Loans removed for XXXX student loan discharge. We asked for a review when I was able to remove XXXX out of XXXX collections items from my credit report. Again we were denied. I filed a complaint with the SBA OIG, we are awaiting the result of complaint to have Arvest removed from the SBA Lender List for racial and XXXX discrimination because on the last loan denial they said I had no income while I deposit XXXX a year in Payroll deposits and VA XXXX Pay. It has been one lie or reason after another. 

The reason I am filing this complaint is that now I have begun recieving retaliation in the form of deposits being held back, debit card transactions being held then posted when funds are low, I have over draft protection and they are sending checks back even when I call them and ask is there a transaction posting today they say no then put a transaction and returned the check, and I had called them asking them to call me or pay the check. They held transactions for over 7 days then put XXXX or XXXX transactions on the account at one time, putting me over the over draft limit, but again I tried to work with them by calling them. 

Fyi the Head of the Missouri Arvest Bank XXXX XXXX has been in communications with me, I also contacted their corporate office in XXXX Ark. I told them if the retaliatory transactions continued I would be filing a complaint with your office. I have also filed complaints with non us government companies about the racial and XXXX discrimination see the following link for more information. 

XXXX I do not want another XXXX veteran firm to be treated this way thank you for your help
I applied for a loan modification with chase bank in order to save my property from foreclosure and a foreclosure on my credit recorded, so after pleading with chase to obtain a loan modification, i have been forced into a short sale of my property so after so period of time my Realtor located a buyer for the property and made an offer to chase, but chase is telling us at this time there going ahead the foreclosure anyway, they would n't modify the loan and now they wont allow me to sale the property to avoid the foreclosure on my record, i believe this is a great injustice to me and my family by this bank who has received billions of dollars in federal aid paid for by tax payers like myself, can you please help in this situation
I was made aware of a debt owed when I checked my credit report back in XXXX. 

I have called and worked with this company to try and get paperwork together to clear this debt up. 

On XX/XX/XXXX, I contacted the debt collector and asked if we could come to an agreement on my {$2700.00} debt. The debt is for my daughter, so my ex-husband ( her father ) is also responsible. I was told that I would be given a 20 % discount, making the amount owed {$2100.00}. I told the person that I would send a check the next day for {$1000.00} to cover my half of my debt if it meant my portion of the debt would be paid in full, and that would be reflected on my credit report. The person I spoke to said " We can do that '' and I sent in my check the same day. 

The check was deposited and it was reflected on my account on XXXX XXXX. 

When I checked my credit report on XX/XX/XXXX, it showed that I still owed {$1600.00} of a {$2700.00} debt. 

I emailed the company through their website on XX/XX/XXXX, asking why the amount was incorrectly shown on my credit report. No response from the company. 

I called the company on XXXXXX/XX/XXXX I spoke to a supervisor named XXXX who said " We ca n't do that '' and informed me I was still responsible for the debt! He said he was going to listen to the audio recordings. I asked him when the recordings showed I was telling the truth if they would honor the agreement I made with the company, and he refused to answer me.
XXXX XXXX, XXXX Citibank, NA XXXX Box XXXX XXXX XXXX, SD XXXX XXXX simplicity Account ending in XXXX. 

To whom it may concern : Regarding my recent late payments in relation to my medical issues. 
I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered.Your understanding is kindly appreciated. 

Respectfully, XXXX XXXX XXXX
Nationstar is attempting to collect a debt that has a XXXX balance. 

They are misrepresenting this debt on my credit reports.
on XX/XX/XXXXI filed a dispute with Experian. The dispute was for an account that I believed to be a duplicate. it ended up being my mistake as it was not a duplicate. However, once the agency settled the dispute, Experian marked my report for this account as being a charge off for XX/XX/XXXX. This is incorrect as this account was charged off 4 years ago and bought by another lender. this " new '' charge off status caused my score to drop. I have since disputed it 2 more times with the most recent beingXX/XX/XXXX. Today I received a notice that the dispute was settled, no changes made to report and my score dropped another 5 points as a result of the dispute. They are saying they are only reporting what the Creditor is telling them, however, when contacted, the creditor shows the account was charged off and sold a long time ago. 
the creditor is XXXX XXXX XXXX XXXX We just need them to remove the Charge off status for XX/XX/XXXX as it is incorrect. We are currently trying to buy a home and working very hard to clean up the credit report and this is only making things worse. I believe that because I filed a dispute on this account it " reopened '' the account. 
Thank you for your time. 
XXXX XXXX XXXX DOB:XX/XX/XXXX ss:XXXX  Contact # XXXX
Opened a Capital one 360 money market account on XX/XX/2018 with special offer code " XXXX ''. Offer terms when opening the account explicitly state if the account " is funded with at least {$50000.00} no later than XX/XX/2018 '' then a {$500.00} bonus will be deposited to the account. 

I made the following deposits XX/XX/2018 {$10000.00} XX/XX/2018 {$15000.00} XX/XX/2018 {$15000.00} XX/XX/2018 {$12000.00} Capital one is refusing to give the bonus because they claim the money " had to be made in a single deposit '' and " must be left in the account the entire time. '' No where in the terms of the offer are these conditions written. Furthermore, Capital One could not provide any proof of these terms nor could they provide any copies of where these terms were written. However, they refuse to send the bonus. 

I have attached screen shots showing the offer terms, with my account number. Capital One refuses to pay the bonus based on me satisfying the requirements written during the online account creation process.
I froze my credit with acknowledgements from all 3 agencies XX/XX/XXXX, I did not authorize this credit monitoring service, Trans Union refused to surrender any and all information about this credit monitoring to be in accordance with FCRA 609 ( e ). Here is what on my credit report : XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : CREDIT MONITORING Permissible sure had I done it, but I tried to sign up for the OPM hack using XXXX XXXX and was told I had to lift my freeze so they could access it, I decided to leave it frozen being so XXXX thinking FROZEN would only allow companies I had an exiting relationship would be allowed to access it. Not some free or cheap service they offered and XX/XX/XXXX was forced to repay customers almost {$14.00} million and the fine FTC imposed of {$3.00} million for XXXX XXXX XXXX XXXX shady advertisement scheme. I submitted enough information to support my ID theft when I froze my credit, Trans Union and I got into another wizzing contest over the illegal access of my credit report on XX/XX/XXXX, which allowed the criminals access to enough PII to take over my bank accounts which lead to a call at XXXX XXXX Sunday XX/XX/XXXX alerting me to the takeover only cause the criminals tried to send funds to the XXXX. Trans Union Litigation Support Department XXXX XXXX is claiming FCRA states it 's illegal to give a victim the info under FCRA 609 ( e ). Are they really that _____ XXXX? I used a cover sheet that clearly referenced FCRA 609 ( e ), in my emails I stated it, in my phone conversations also. So there is no doubt other than they know they violated FCRA by allowing access to my report by criminals and hoping I would not know there is civil damages due to their actions. I want, no demand that the information is turned over we are WELL past the 30 day limit set forth in 609 ( e ), my next request for assistance will be to my VA senators. I hope everyone understands my stance on this issue, they are more than happy to sell my PII/credit report even while frozen. They admitted on XX/XX/XXXX, they had a gap in their policy/procedures that allowed this to happen, well no _____.
This is my second complaint on Lender Live. After my first complaint here, Lender Live sold my loan and have failed to send me proper notification. It is now XX/XX/XXXX and I still have no idea who to pay, who my new mortgage company is or any info on my new account. All I know is when I attempted to pay Lender Live on XX/XX/XXXX, I was denied access to my account and was unable to pay. So I then called Lender Live and was told they sold it. After being put on hold for 20 minutes I was seemingly intentionally hung up on. " XXXX '' was the Lender Live " manager '' that I last spoke to after she contacted me concerning my first complaint and so that is who I requested to speak to before I was hung up on. I even left a message for a return call from a manager and once again it went ignored. Lender Live is completely and totally a mismanaged, devious company and their customer service is totally unacceptable. I need to know who my new mortgage company is and how to pay. There needs to be some way to verify who I am paying as well. " XXXX '' needs to call me ASAP!!!!
On XX/XX/2018 I ran an ad in XXXX to sell a restaurant table. I received a request from a person named XXXX via text, ph # XXXX. He said he would pay me {$400.00} for table, XXXX to go to a shipper. Yesterday I received a XXXX with a cashiers check from XXXX XXXX XXXX. I deposited the check into my checking account at Chase bank in XXXX CA at the XXXX XXXX and asked the teller if there was a hold on the check or if there was anything wrong with the check. She stated there was no hold and everything was fine. The sale was then cancelled and I deposited {$1500.00} into the shippers account : Chase bank, XXXX XXXX acct # : XXXX, checking and then was asked to XXXX XXXX the remaining {$300.00} to a XXXX XXXX from XXXX AZ, ph # XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX AZ. 



When I went to check my statement this morning I learned the Cashiers Check was on hold and after calling the bank they said the check was being returned to the bank and would not payout the funds which means I lost {$1800.00}. My chief complaint is that when I asked the teller if the check was good she said it was, she never mentioned the slightest possibility that there would be a hold on it. If I was told that I never would have gone through with the transaction
Homeowner sent multiple financial package to be reviewed. Lender will take over 30 days. sheriff sale was postponed due to being on review. Denied over the phone to the homeowner. Still homeowner have not received denial letter to make appeal. Denial reason over the phone the estimated new monthly payment was going to be greater that the current monthly mortgage payment. Sherriff Sale is under 30 days. Lender requested homeowner to submit new income to reevaluate her but they say will not request their lawyers for a postponement due to them telling the homeowner that she was denied over the phone.
In XX/XX/XXXX, a debt collector contacted me about a loan that i 'd obtained from speedycash in XX/XX/XXXX when i had a XXXX 's checking account. She first off represented herself as a state attorney and said she was going to prosecute me on fraud charges for taking a loan that i had no intentions of paying back. I tried to explain to her that i had discussed my situation at the time with speedycash and XXXX but she was not trying to hear that. She was very obnoxious, rude and disrupted me every time i would try to speak with her. She specifically told me that if i did not have {$1500.00} dollars by XXXX that she was going to send a XXXX county deputy to my house to pick me up. So in the mist of crying and panicking, i called a lawyer but did not follow through with it because i eventually calmed down. By XXXX exactly a man stating that he was a deputy calling from a XXXX county police department number said that i had only 2 options and that i should not hang up the phone in his face. He said that i could either listen to the lady representing herself as a state attorney or i could come and turn myself in or he was going to come pick me up. That ordeal ended with me calling the lady back and asking her for additional time to pay it which she said i did not have. I was very upset! I explained my whole life situation to those people but they still treated me horriblely. I have also recieved an email from a gentlemen from speedycash on XX/XX/XXXX.  The details of that email will be enclosed below.
I was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months  of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.
For the past 2 weeks I have been receiving harassing phone calls from Fair Collection and Outsourcing ( FCO ) regarding an alleged debt owed to XXXX XXXX XXXX XXXX XXXX XXXX. I have spoken to this agency once and informed them that I have never lived in Maryland and that they have the wrong individual. Today, XXXX XXXX, 2016. I received a collections letter in the mail informing me that I owe {$8000.00} and that I need to pay it. I have reviewed my credit report from all XXXX credit bureaus. This company has inquired about my credit via XXXX without my permission or consent. I suspect this is a scam as the company called my home and asked to speak to me but then they wanted me to give them the last XXXX digits of my social security number and/or my mailing address. I did not provide them with either. In addition, I am sending FCO a certified letter requesting validation of debt and reporting them to the fraud department at XXXX before they try to add false negative debt information to my credit.
OCWEN assigned a XXXX ( in the " specialized cases '' department ) to handle the delinquency matter ; this person has not been available and returned only XXXX of the messages that were left. When further attempts were made, this XXXX had left a voice box greeting notifying callers that they were out of the office for a specified amount of days. When attempts were made to gain information on the account we were told that only that XXXX XXXX could answer questions, no one else in the company would be available to provide any information. The only remedy they proposed was to leave a message with the XXXX supervisor so that a new XXXX could be assigned or leave a message with the assigned XXXX and await their return call. This matter is urgent with severe delinquency and mortgage foreclosure pending yet there appears to be income sufficient to warrant a modification.
Had to fill out a reaffirmation agreement and send it to XXXX  to be processed for my upcoming class. I sent them the form well in advance and they told me 7-10 business days to process. I had to keep calling back several time after the time frame to have it processed. They said they sent it to my school and my school still has not received it. I called and asked to have it emailed to me and they said they would. 3 days later still no email so I called and asked to speak to a manager and the person that got on the phone said she would expedite the email but I have no faith in that. Here it is my class in 4 days in and XXXX does not care about my paperwork. They talk really quick and try and get you off the phone but do not resolve your issues.
Today, I am at work, unable to answer my personal phone. I see an alert that a phone number XXXX has called and left a message. Immediately after I get a phone call at my job from the same number. I answer my desk phone, the caller identifies himself as XXXX XXXX, does not give a company name, and will not answer me when I repeatedly ask what this is regarding. He finally says it is a personal matter, I reply than this is not the place to contact me and end the call. He then dials my mother and sister. My sister calls me upset, saying a man named XXXX XXXX is looking for me, he sounds very militant, would not tell her why he was calling, and is adamant that it would be in my best interest to contact him. He did give her a company name of Alpha Recovery and a different number than what he is calling from of XXXX.
XX/XX/XXXX - Called my ex-wife of 20 years ago to discuss my finances. 

XX/XX/XXXX - Told them to stop contacting me or anyone else. 

XX/XX/XXXX- Just sent me another email threatening me they are going to contact my landlord and other companies that I have worked with. 

Yelled at me ( ALL CAPS ) in an email asking me why I don't file bankruptcy and commenting on my financial situation.
There is a freeze on my credit report for Equifax and I never requested one, I have n't heard anything or received any calls letting me know why or when this happened. I only found out thanks to applying for a loan and the vendor telling me my report is frozen.
I arpled for an count with XXXX and was approved but they pull my cridit XXXXtimes when it just be XXXX time so now it 's on my cridit report XXXXtimes.
We recently received a certified letter from our mortgage holder Ocwen Loan Servicing stating that my mortgage is in default due to a missed payment. Moreover, due to this phantom missed payment, they have been charging me for the certified letters and also adding in fees marked " other '' on a monthly basis ; I do n't not have any idea why or what these fees are. I have every statement available starting from XXXX 2013 ( this is as far back as Ocwen 's payment system goes ) and have not missed one payment. In fact, I am generally a couple of weeks early with my payment and always send extra. We sent a letter with all of our statements to Ocwen stating that we have not missed a payment and to please correct their error. They continued with their stance that we are a payment behind but can not show us proof of a missed payment. I called and spoke to them over the phone to find out when exactly did I miss a payment and their response was " I do n't know, you tell me ''. Based on what I can see, somehow they made a mistake and are posting my payments that are a couple of weeks early to the previous month and saying it is a couple of weeks late. Complicating the matter is that they do not provide any statements or payment books. I 've wasted countless hours on the phone with them and they have repeatedly told me to disregard the certified letter, yet my account is being listed in default. I 've read numerous complaints online about this mortgage company and truly feel like they are trying to take advantage of me and lots of other people for that matter. It 's " XXXX vs. XXXX '' and without help, I am going to be forced to make an extra payment that does not exist because I ca n't fight a mortgage giant on my own.