WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a complaint on XX/XX/XXXX regarding a recast from Ocwen Loan servicing. The case # is XXXX. I received the modification agreement on XXXX XXXX, 2016. Ocwen lowered my payments for only nine months & it will return back to the amount I am paying now. As I explained in my last letter, This modification was suppose to take place months ago and Ocwen is just modifying my loan and cheating me with this bogus Modifcation. My first modification should begin XXXX through XXXX. Please research.
I bought a ticket from XXXX with my Arrival plus Barkclaycard on XX/XX/2017 traveling to XXXX XXXX XXXX XXXX, the ticket cost was about XXXX dollars. When I call Barclay to redeem my miles they are saying that my miles are no good because I was suppose to redeem them when my flight was completed ( meaning after 90 days only. ) How will I redeem the miles after 90 days if my flight was on XX/XX/3017? 
Now Barclay is not allowing me to use my rewards and they want me to receive a lower amount in money which reduces the value of my points. Previously they allowed me to use my points and now they are not. Barkclay is been disrespectful and is giving me a big problem. I feel that they are taking me for granted. I have been with them for about three years and have a great payment history. Previously I recommended them to several members of my family and friends however now I am in schock with the way they are behaving. I look forward to your response.
I had a student loan from XX/XX/XXXX.for {$2500.00}. I paid it off through the XXXX XXXX -state trustee consolidation loan program in XXXX XXXX CA . I kept getting billings from different collection companies every two years or so - I would mail them a copy of my paid in full notice from the trustee. after a while, I would get another notice from a different company and repeat the procedure. I was told that the loan kept being sold to different companies - then in XX/XX/XXXX my wages were garnished WITHOUT PRIOR NOTICE and they took more than half my wages for two years -- each paycheck WITH NO PRINCIPAL REDUCTION stating that I owed {$19000.00} which resulted in my losing my home -- despite the fact that I drove to XXXX CA and TO GET THE WRITTEN PROOF and had to purchase the documents from the government warehouse showing that I had paid in full - which I sent to them -- NOW XX/XX/XXXX -- I have n't heard anything until recently and yet another NEW collection company says I owe {$13000.00}. 
I paid the loan of {$2500.00}! - I am approaching retirement and I am frightened that I will die with this horrible injustice unresolved. There have been approximately XXXX different companies that have sent me notices to send them money. during this process, I had my social security number stolen and used by someone named XXXX XXXX who got a governed loan with it. 
I have suffered enough - I had to file bankruptcy in XX/XX/XXXX and told the attorney I had this student loan problem - he advised me to put it on my bankruptcy list so that I could just be done with it. -One of the collection people told me that I now have to pay this XXXX XXXX student loan because I put it on my bk papers. I WOULD LIKE THIS TO STOP and I would like my money back that was taken from me erroneously.
This debit was paid in full on XX/XX/XXXX to XXXX confirmation number XXXX other numbet XXXX paid direct to XXXX i don, t know why TRASWORLD put this debit in my credit, but i want to delete to all my credit record affect my score trans-union, equifax etc Thank you XXXX
Again, Bank of America is charging me an overdraft fee but clearly on my checking account activity log ( which I will attach a copy of ) my account did not go negative until my overdraft fee. This seems to be a problem with Bank of America. I do not see how they can charge overdraft fees when my account does not show a negative balance. I feel that this banks system of doing things needs to be investigated.
This debt is not known ; I have never owed a balance to this company. My account is still active with this company, never past due which is strange since an account with them is reporting negatively on my credit file. 
I request full statement of this account and any information pertining to the contract ; when opened and where.
I do not want to hear a word from this company but a check sent. QUALITY ACCEPTANCE, LLC, and all, I mean all of its workers are nothing but thieves and criminals. They lie, commit fraud and give illegal interest rates and make unlawful calls and threats. Over {$12000.00} sent to them and we had car for a year. WAIT TIL YOU HEAR THEIR RESPONSE, its filled with lies and games. They are disgusting and need be fired and tossed out of the loan game. DISGUSTING.
XXXX  REPORT ;  XXXX   XXXX   XXXX    XX/XX/XXXX .    1. XXXX - PARTIAL ACCOUNT  XXXX  CARD #  XXXX    XXXX   SHOWS  XXXX  {$4800.00} ALSO REPORT SHOWING ND FOR   XXXX   XXXX     XX/XX/XXXX .     2.   CITI VISA-  PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX   ACCOUNT CLOSED AT GRANTORS REQUEST. ACCOUNT CHARGED OFF {$5500.00} WRITTEN OFF  XXXX  PAST DUE {$1200.00} AS OF   XX/XX/XXXX .    XXXX   REPORT   XX/XX/XXXX   SHOWS   XX/XX/XXXX    AB { $2100.00} AB {$2100.00} THATS ENDING WITH  XXXX    XX/XX/XXXX  AB {$4 800.00} AND STARTING CITI  AB    XX/XX/XXXX  {$2100.00}. OKAY CITI DIDNT START REPORTING UNTIL  XX/XX/XXXX  C ITI SENT ME  ONE C ARD  XXXX . THEY STARTED REPORTING IN   XX/XX/XXXX  AND WROTE THE WHOLE ACCOUNT OFF  XX/XX/XXXX . ALSO  XXXX  SAID THEY MAILED MY 2 % CASH BACK  XX/XX/XXXX  AND IT WAS DECLINED BY CITI IN  XX/XX/XXXX .     3. CBNA CITI  CREDIT CARD - PARTIAL ACCOUNT  XXXX  DATE OPENED   XX/XX/XXXX  FIRST REPORTED  XX/XX/XXXX  DATE OF STATUS  XX/XX/XXXX  CREDIT  LIMIT  XXXX  RECENT BALANCE  XXXX  AS OF  XXXX   XXXX  RESPONSIBILITY AUTHORIZED USER?????  XXXX  ACCOUNT IN GOOD STANDING. OPEN NEVER LATE.   GRIEVANCE ;  XXXX  ARE MISSING AS AVAILABLE CREDIT BALANCE SOON AS CITI TOOK ACCOUNT HUNDREDS MISSING IN AWARDS 2 % MONEY BACK AND A GHOST ACCOUNT SET UP WITHOUT MY CONSENT OR COURT ORDER THEY CLAIM MY LAWYER DID IT I NEVER HIRED A LAWYER TO RIP ME OFF LIKE A CROOK I WANT NAMES AND ANSWERS. CUT MY CARD IN  TWO T HAN RIP OFF MY 2 % CASH BACK IN   XX/XX/XXXX  TO  XX/XX/XXXX . AND NOW  THEY WANT ME TO PAY  XXXX  PAST DUE NOW THEY WANT ALL OF IT  XXXX  AND KEEP THE GHOST ACCOUNT OPEN THAT IS THE VIRUS THAT TOOK MY  CREDIT SCORE   XXXX  POINTS IN NEGATIVE.   I WAS ENGAGED TO BE MARRIED AFTER 8 YEARS OF HARD WORK WHEN THESE CROOKS PLANNED THEIR BURN NOTICE ON ME WITH NO MERITS. DAMAGES IN THE THOUSANDS. THIS IS WHAT I CALL CORRUPT CORPORATE GREED. I AM VETERAN SERVED MY COUNTRY WITHOUT   DISHONOR   XXXX   XXXX   XXXX    XXXX    XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  AND  XXXX   XXXX   THESE CLOWNS NEED TO SEE WHAT IT LOOKS LIKE TO BE ON THIS SIDE FOR A  NEW YORK    MINUTE.
I signed up for a promotional offer from Citibank. I was to get XXXX XXXX XXXX miles after signing up for a new Citigold account and meeting various criteria. I confirmed with a Citi customer service representative that I was enrolled in the promotion and fulfilled the requirements. However, after waiting months for the reward miles, I contacted a Citi customer service representative again and was told that Citi was not going to honor its promotional offer.
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
I have a defaulted student loan through Loan to Learn. A recent hit on my credit report indicates that this loan is in collection ; however, there is no contact information listed for the collection agency. The loan amount is listed as XXXX with a balance owing of XXXX and outstanding balance of XXXX. Further, the only contact information listed is the original lender Loan to Learn for which the phone number is out of service and the website for which has not been updated since XXXX. The address listed is XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Virginia zip code of XXXX. The out of service phone number is XXXX. No collection agency has made any attempt to contact me regarding this debt, though they are reporting the balance as outstanding through credit reporting agencies monthly since XXXX XXXX. As such, I have no way to rectify this debt. I have no company to contact through phone, email or website. I have no ability to dispute the debt amount or to confirm the origins of said loan. My credit report is suffering and I have to way to make this right. Please let me know what will be done in response to this complaint.
My Trans Union credit report lists a hard inquiry made on XXXX XXXX, 2017 by XXXX XXXX. I did not authorize this hard inquiry and suspect fraud. The contact information is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX. National credit cards/ airlines.
I decided to not pay another annual fee for a Bank of America Visa card. My expectation was the account would be closed. A month later I got a bill for my account which had been charged the annual fee. I did not knowingly ever agree to have the company automatically renew my account. I then called the company and was assured by customer service they would close the account and back out the charges. A month later I received another bill with a penalty included. I called again and was told they would close the account and back out all of the charges. A month later they continued to add penalties and did not close the account. I then sent them a letter with a return receipt by XXXX Mail. I detailed the above in this letter and told them to close the account and send me a final bill and I would pay that to just end this stupid experience. Instead they reported me to a credit reporting agency that I was now 120 days past due. 
I had not used this credit card for years. It was an emergency card.
Greetings. My loan is serviced by Nationstar. My loan stipulates a grace period until the XXXX of the month, but if I try to make a payment online, Nationstar assess a XXXX late fee after the XXXX of the month, in violation of my mortgage terms. 

It seems so unethical and I do n't have a choice of servicer which makes their unethical and greedy corporate behavior all the more frustrating.
All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others.
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX   XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB : On XX/XX/XXXX, I received employee instructions for a garnishment/ earnings withholding order from my HR department from an attorney out of California representing XXXX XXXX , XXXX. , much to my surprise. After freaking out about my livelihood being threatened, I called the attorney of record and spoke to XXXX XXXX at XXXX. She said I could modify the amount that is to be taken from my paychecks but I told her this was not my debt, I did not know who the company was nor did I know that the debt/ judgment existed! I have lived in Nevada since XX/XX/XXXX so I was never served any paperwork on this debt nor have proof that the suit was ever published in any newspapers to notify me of the debt. 
There are a few issues that need to be raised : 1. I never received debt validation, as I was unaware of this judgment until a few days ago, so I request full debt validation with original application signed etc. 2. This judgment is not on my credit report nor has it ever been so I was unaware of its existence. 3. The judgement /garnishment order was served across state lines without proper domestication of said judgment in Nevada from California , which is illegal. See NRS 17.330-17.400 attached hereto. 4. XXXX XXXX refused to provide debt validation as I kept telling her this was not mine I had not idea what it was. 5. Upon a phone call to the attorney about violating the above laws, they sent a termination of withholding to my HR department. 6. I would like to file as many complaints as there are issues with this situation so that they do not do this illegally to anyone else! I want them to be fined and that they be held accountable to the maximum limit of the law and the judgment to be thrown out! 7. I want monetary compensation for the illegal activity on their part and my rights that they have violated. 
XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I would like to file more complaints but was unsure how to choose more than one violation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX
I co-signed on a car with my husband in XXXX 2011. The car has been since repossessed. It was a XXXX XXXX. Ally Financial is reporting the balance of {$16000.00} as past due every month as well as derogatory. I am not past due on an account that is in collections and closed. Once the car was repossessed, there is no longer an agreement in place. I have worked with ALLY to quit reporting this account as past due as I do not have a current agreement with them but they will not. This is unsatisfactory business practices.
I previously complained about bank of america about the reporting on my discharged accounts during and after my bankruptcy.They agreed to remove the negative remarks they were showing that were in addition to the bankruptcy notation.Now once again they have added those remarks back.They have my account marked as discharged in bankruptcy, but then under history through XXXX they say ( late 90 plus days ) 1 time in the month of discharge.Then under ( worst delinquency ) collection.No discharged loan can ever be late or be in collection by federal law.Also they previously agreed to remove these marks on other complaints
I had an insurance collections item which was in dispute with the insurance company. I had asked the insurance company to cancel my car insurance as premiums drastically increased after an accident and decided to go with another company. The insurance company informed me I had not gone through the proper channels to cancel and charged me for an extra month. The amount was in dispute and the insurance company sent it to the collections agency while in dispute. Because of the lengthy dispute process I decided to settle with the collections agency. Once the account was settled I requested the collections agency delete it from my report as the amount was in dispute which they agreed to. 

The collections agency informed Transunion to delete the entry. Transunion decided to reflect this as a closed credit account which dropped my credit score by XXXX points since I have credit monitoring I received the alert my score dropped XXXX points due to a closed account. 
I am not aware of any of my credit accounts being closed. Transunion have repeatedly offered me the explanation the closed account is due to a utility bill which also went into collections but has also been settled since XXXX or so. Please note this account shows a zero balance but is also entered ad a derogatory account on my credit report. Transunion want me to believe : They have recorded this account twice on my credit report as both derogatory and closed which count as XXXX separate accounts on my credit report. 
Transunion have also informed me even if the XXXX balance was settled in XXXX it has just had an effect on my credit score in XXXX. 

The credit report I downloaded online on XXXX XXXX and XXXX shows a drop in my credit score after the insurance item as deleted. Transunion have refused to follow up with the collections company to ensure they have recorded this entry properly. The credit union has also reached out to Transunion to advice it is not a closed credit account but the entry should be deleted completely from my account. This has been going on for almost a month now with numerous calls and emails to Transunion. 

I do not have a closed account which has resulted in my score dropping XXXX points. I do have XXXX derogatory account which is XXXX XXXX. I have reached my wits end and would appreciate if you can assist in getting this issue resolved.
Commonwealth Finance acct # XXXX, should have been paid by my Insurance XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.
This debt is in the amount of {$150.00} and the original creditor name is " Rent Recovery Solutions ''. The date assigned is XX/XX/XXXX. This alleged debt is in regards to the apartment complex " XXXX XXXX '' located in XXXX, TX. They have since changed their name to " XXXX XXXX XXXX  XXXX '', no doubt due to several complaints about this facility and the incompetent way they handle their business. I had rented an apartment from this complex in the fall of XX/XX/XXXX. This complex boasts that they include pre-furnished rooms in all their apartments, which includes a desk, dresser, and bed. Within one week of moving into my room, my whole body was infested with bed bug bites as the bed was infested with bed bugs that were never fumigated. Needless to say, I moved out of there as soon as possible, and the apartment head manager XXXX had agreed to refund all of my deposits and my first month of paid rent. Not only did I never receive my refund, I received a call a few years later claiming that I had an unsettled " moving out cost '' with them. I had explained my situation to the representative and thought the situation would be taken care of. Fast forward to now in XX/XX/XXXX as I 'm checking my credit report, and the dispute is still on my report. I would like this erroneous charge to be removed from my credit report as it is not only grossly incorrect, but it is negatively impacting my credit score.
I have a current secured loan with XXXX XXXX. It shows on my credit report accurately. Problem is that I have 12 closed accounts with XXXX XXXX. Every time I renew my loan for more money, they close the current account and open a new one. But they have refused to delete all closed 12 accounts from my credit report. I have never had a bad remark with this company. I want these closed accounts removed! This affects my credit rating. What is the problem with removing these old accounts that were always paid off????? 

XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed- Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. 
XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest BalancXXXX XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-AmounXXXX owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}.
This is a continuation of the problem with SLS, unable to point to any facts to claim that I am a month behind in my payments. I have provided bank transaction codes to prove my monthly payments were all made, including payments made to cover the difference in payments that were short due to payment amount changes. 
In their most recent letter to me, they claimed I did not pay the XX/XX/2016 payment. 
Online, tonight, I received a new message from SLS and amazingly, it states that they NOW claim I did not make the XX/XX/2016 payment. I have wasted many hours providing proof of payment and they keep changing their story. Once again, here is the proof that I certainly paid the XX/XX/2016 payment. It was short ( because I did not know that the amount had changed ) but after speaking with a representative at SLS I sent another check on XX/XX/XXXX to cover the difference. I attached records to illustrate. 

What do I have to do to get SLS to update my account to reflect my payments for which I HAVE PROOF of payment?
I was a victim of your inquiry issue. I have 6 additional inquires on my XXXX   report that were not there before. I would like them removed. I also have a few inquiries I did not make and already reported when I had identity theft on my name.
I am a victim of identity theft. I do not owe for this debt. A representative from Credit Collection Services continuously called me and harassed me, and told me I will be arrested if I do n't take care of this debt. Credit Collection Services is in violation of the Minnesota Debt Collection laws and the Fair Credit Reporting Act.