WillisBack/dataset-financial-user-claim huggingface dataset:
I am beside myself. I have been working on repairing my credit for several years. I had XXXX Barclays credit card left over that was sold to XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made XXXX payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed 4 payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over 45 minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from Barclays. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every 2 weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.
Called my place of employment. The caller said that this was a personal business matter and asked for my social security number twice and then asked for my birthdate to comfirm it was me that they needed to speak with. I asked the caller what does this pertain to and his name and company who he is with and he would not tell me until I gave him my social security number and birthdate. I told him that this is a scam and I am not giving such information out and I told him to stop calling or I would report him. I work for the government and this caused a security breach within my department due to the nature of this call. I was highly embarrassed and my supervisors are all concerned due the the nature of this call.
I have submitted a dispute to transunion several time about a bankruptcy on my report. I do n't believe they are properly investigating my dispute. As it comes back verified in a matter of a day or two. 
I have also asked several times for their verification source. I am told by the " supervisor '' that they do not know. 
I feel as if I have a right to know who is verifiing my information. Yet they refuse to tell me..
I am in the process of refinancing my mortgage and when the newcompany pulled my credit report they found that my currentmortgage company listed me as being in forbearance. That isnot true, I am current and have never been late or missed a payment. 
I contacted the my mortgage company and explained what wasgoing on and asked for a letter to show the error. They told me thatall of their customers were incorrectly listed that way and that I hadto wait XXXX weeks to get some kind of letter. I was directed to writeto their research department and they have not even acknowledgedmy letter. I need to have the refinance done by the end XX/XX/XXXXdue to a court order and I can not move forward without the letterfrom the mortgage company.
In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XX/XX/XXXX I got a letter that my vehicle loan had been purchased by XXXX and that 's when the problems started with XXXX. If I was late with payments, XXXX called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XX/XX/XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to XXXX to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. XXXX wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you
My Husband and I went through bank of America for a loan to purchase a home. Prior to making an offer, we approached XXXX XXXX XXXX at BOA to see what we can qualify for and get pre-qualification. After our visit and presentation of all the requested document, he issued us a loan application number ; XXXX and told us we are good to present our offer from BOA to the sellers agent. At that point, we contacted an agent XXXX XXXX to represent us as we began the process. We also gave {$5000.00} to be held in escrow as our commitment to the home. 
With no pending reason for a denial because we had a credit in the low XXXX 's, and sufficient amount in the bank to cover for approximately XXXX-XXXX % of our purchase price, we proceeded. 
one days prior to close of the loan, the Bank of America Home service specialist, called us saying that the loan will not be approved and asked if we have " more money to put down '' very devastated as this was only approximately a day prior to close and us receiving keys. 
He proceeded to tell us that the initial loan he thought would work for us, which was a XXXX loan ( he called it a XXXX. Loan ) was not possible and that he did n't know it was for only XXXX. He was asking for another almost XXXX after we have showed proof of over XXXX that we had set aside for this home. 
We contacted the seller and our agent of this grave disappointment and then proceeded to check out other options as we were told that BOA is notorious for such practices. 
We went with XXXX who offered us a jumbo loan with better terms. But as loyal bank of america customers which we have been since we were married, we wanted to give them another chance since they had all our information and we wanted to close in a timely manner. they promised and appealed with us that they would match the Credit Union Offer and we again believed them and cancelled our application with XXXX to come back to bank of America. again the same thing happened. two days before close of escrow, and us receiving the keys, Bank of America again called and said they could not close the loan and wanted us to furnish about 1 year of home payments verifiable in our account in addition to 25 % down payment. 
they had switched the script on us so much that we could not get the loan or the home that we felt very confident we could afford and had very strong credit and work income. We make over XXXX year and have great credit but for whatever reason, this incompetent banker or the inefficient methods of bank of america home mortgage department caused us much grief, disappointment and shame. 
To worsen matters, our {$5000.00} deposit to the escrow company has not been refunded and we need this amount refunded. We did not chose to abandon the process we could not qualify and get approval for the home we wanted to buy and we see no reason why our deposit to the escrow company is being held. Please we need this rectified and this mischief and thievery addressed with the Escrow company XXXX XXXX and Bank of America. 

Thanks
I did a balance transfer from this credit card company ( Capital One ) on XXXX and the balance is still showing as of today XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.
Credit bureaus have me as a charge off from XXXXr there is nothing owed to this account
I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the explorer immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
The lender never served notice to the borrower. The co Borrower and the borrower have been divorce for 5 years. The Co borrower has sent in documents asking for a modification and was just told the package was not completed. They are now claiming that the missing information is from the borrower. There was an email sent to the co-borrower on the XX/XX/XXXX. In this email there was no mention of a deadline. The co-borrower was advised the missing information was current pay stubs and banking information. After this information was put together the Co- Borrower was told they would process in 3 days- The same day when the co-borrower called again- he was told the full entire package needed to be receive 30 to 37 days before the date of the sale. 

The first company is XXXX XXXX- now there is a company called Loan Care- The main contact person XXXX has yet to reply to an email, phone call or messages. Every time we call we are told a different story. 

Also- there was a notice mailed from Loan Care- stating a payment - that was to start in XX/XX/XXXX. When asked if this was the modification- NO ONE would give us an answer. There was no indication of the loan amount- terms.. JUST a new Payment to start in XX/XX/XXXX
XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF HAMMERMANN & HULTGREN P.C. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.
Citi Best Buy c redit card keeps ignoring my reports of fraud on my account. They keep making me pay for fraudulent transactions and interest. It started on  XXXX   XXXX   XXXX  with a purchase at Best Buy that should not have happened. They claim that I originally wanted to dispute the transaction ; this is false. The transaction IS NOT MINE!     Also, there are transactions in  XXXX  and  XXXX  of  XXXX  for  XXXX   XXXX  for   XXXX   XXXX   XXXX   XXXX   and several transactions between  XXXX   XXXX  and  XXXX   XXXX  for   XXXX   XXXX   XXXX   that are FRAUDULENT. They restricted my access to previous statements so I ca n't view the specifics.
I attended XXXX XXXX XXXX in XX/XX/XXXX and the school closed in XX/XX/XXXX, applied for a student loan forgiveness and I was told I cant get it
I have disputed and tried to validate this debt with XXXX XXXX several times. The information continues to return as verified with the credit reporting agencies. XXXX has sent a package of phone bills, but they have not sent any validating information of the account balance, date of last payment, and close date. They are reporting to Transunion that the close date is XX/XX/XXXX, however they state that the date of last payment is XX/XX/XXXX, no other payment history. I have asked XXXX to validate this debt, however they were only able to provide me with some billing statement. I believe this account is reporting inaccurate.
My personal information was compromised by the recent Equifax hack. 
The following Equifax site confirmed my personal details were part of the hack, based on my Last name and last 6 digits of SSN : https : //www.equifaxsecurity2017.comXXXX
I challenged the incorrect reporting on account number XXXXkhols/ Capital one have failed to report this account correctly after selling this account to a debt buyer.if the account was sold why is this company still reporting me late every month.i can not owe two companies.khols wrote me a letter which shows they sold the account and i have attached a letter that proves they still reporting me after they sold it..i have proof they taking away my rights as a consumer.
We had a Bank of America sba loan and we had settled and paid off the loan in XXXX. We had the house as collateral, so Bank of America had a lien on the house and loan was paid off and the lien still on the property. We tried calling and going to the bank where we paid and they told us they dont have record of it. 
They directed us to you for best solution. 
We are currently selling the house and we are in escrow thats how we found out. 
Escrow closes XX/XX/XXXX and we need this lien off. 
Thank you for all your help XXXX XXXX XXXX
XXXX Bank # XXXX - SOLD to : Second Round LP Acct # XXXXThis account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the XXXX account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at XXXX Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at XXXX then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written XXXX numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *Second Round LP Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX,  GEORGIA XXXX To : XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX  Subject : Returned Item ( Tent ) on XX/XX/XXXX. AFFIDAVIT OF TRUTH I returned the tent that was sent without a canopy, no directions for installation, and the wrong color on XX/XX/XXXX via XXXX  delivery. Call tag number XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; a total of 4 boxes returned to shipper.
Payment for the tent was made through PAYPAL, A dispute was submitted to PAYPAL for the returned item. The dispute included the reason for the return as being the wrong product ( color ) amongst not having instruction, and missing the canopy, and other parts. SEE EXHIBIT A thru F You or your supplier should have received the returns, and verified all the issues in my complaint were accurate, thus rendering a full refund. Thirty ( 30 ) days have passed, and all settlements should have occurred. PayPal has my account remaining in dispute which is depriving me of the purchase amount. I have fulfilled my obligation in returning the items ( s ) to the sender XXXX XXXX. All accounts shall be made current and reflect accurate status of my obligation ; XXXX amount owed to Paypal credit and XXXX amount owed to XXXX XXXX
- {$700.00} USD XX/XX/XXXX  XXXX Regards , XXXX XXXX Cc : PAYPAL XXXX XXXX XXXX, MD XXXX ( Paypal has closed there side of the case and charged me the full price for items I do n't have. I Sent the letter below to both the shipper and Paypal with exhibits from XXXX website showing the items were returned. Paypal still will not credit me the purchase amount. I need some intervention. I have tried to respond within Paypal system, but the system always state there was an error one the respond button was selected. I sent the letter via certified mail return receipt. I received the green card back without signature? I am asking for a full investigation into the dispute process of Paypal. I should have received a refund within 30 days, that did n't happen ).
Someone used my social security number to steal food stamps from  The Department of Human Services. I was made to pay back with cash  when I had an income. The case number used at that time was  XXXX . This happened because of theft of my identity. My drivers license & social security card stolen. I 've since changed the spelling of my name to  XXXX   XXXX   XXXX . I actually receive food stamps, because I do n't have an income. My case number is  XXXX . The last car I had before it was stolen & totaled reported to the  XXXX  Police Impound lot. Was a  2012 .  XXXX   XXXX   XXXX  door. The vin number was  XXXX . The plate number was  XXXX . The title number is  XXXX . I paid cash for this car on  XXXX / XXXX / 2012  to  XXXX  on  XXXX   XXXX . The invoice number is  XXXX . I did not use credit, because I learned that I was n't able to do so. The  XXXX   Family  would take everything I applied for. Because they have a seven year fraud alert on my credit report. With the help of Attorney  XXXX   XXXX . The  XXXX   XXXX .  XXXX  used at that time was  XXXX  TN  XXXX . The title was mailed to that  XXXX   XXXX   . I  've had a  XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX  Tennessee  XXXX .
I would like to report unfair and deceptive treatment by Macys when I applied for a Macy 's American Express Card on XXXX/XXXX/XXXX. I specifically applied for the card to receive a 20 % discount. The discount was eligible for use along with the 25 % off promotion in effect on XXXX/XXXX/XXXX. The application was denied at the point of sale. I was surprised because I already have an XXXX XXXX card in good standing and my current credit score is above XXXX. I called Macy's/DSNB while at the store and after more than XXXX XXXX hours on the phone, I learned that they denied the application due to a delinquent debt from XXXX XXXX, nearly 8 years ago. The debt became delinquent, and subsequently charged off while I was in the process of divorcing. I became a single mother of XXXX boys, pregnant with my XXXX child and unable to get a job due to the economy ; thus unable to pay any bills. However, once I was employed I paid and/or settled all of my outstanding debts ( more than {$70000.00} ), including the Macy 's card. I paid the Macy 's debt on XXXX/XXXX/XXXX to the collection agency as a settlement. During my XXXX XXXX hour long call with Macy 's on XXXX/XXXX/XXXX, I was told that if I paid the 'balance due ', they would approve the credit. I was not aware of a balance due because they agreed to a settlement and provided me with a settlement letter. In addition, the credit bureau showed the debt paid in full with a {$0.00} balance after the debt was settled. I have abided by a very stick budget since my divorce and I saw the discount as an opportunity to minimize spending. I am very aware of the implications of a credit inquiry on my credit score, so I carefully read through the terms and conditions that was at the checkout register. It did not indicate anywhere that a delinquency from XXXX would be used against me ; otherwise I would not have applied. The XXXX paid delinquency remained on my credit report until XXXX ; which, although it was settled, affected by ability to obtain credit. Now, I will have a Macy 's credit inquiry that will undoubtedly affect my credit score which I worked so hard to rebuild. I feel that Macy 's should have disclosed their policy on prior delinquencies, in a clear and noticeable location before the application was submitted. Also, I do n't understand how Macy 's was able to decline a card co-branded by XXXX XXXX. At this time, I am concerned that XXXX XXXX will close my existing card and this may affect any other credit that I have. I am also concerned that the lack of disclosure will affect my ability to obtain a new mortgage this fall. 
I would like to request that your agency investigate this matter and kindly remove the inquiry from all credit reporting agencies.
On XXXX XXXX I checked my credit report to find Pathfinder credit services had a collections against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. On XXXX XXXX I requested verification of the debt and account but the business failed to provide any proof. On XXXX XXXX Pathfinder credit services did however report new activity with the account to the aforementioned credit reporting agencies. Considering this business does not have a contract with me for any goods or services nor provided adequate proof, I am not obligated to pay for the alleged debt. Furthermore, I have found that Pathfinder credit services is not authorized to collect in the state of Texas.