WillisBack/dataset-financial-user-claim huggingface dataset:
I fell behind on my mortgage 27 months ago because my husband was XXXX. The medical bills and the fact that he could n't work ( we had a XXXX ) left me unable to make mortgage payments during that time. The business was losing money each month and the medical bills were overwhelming. In XXXX XXXX my husband finally passed away from his XXXX. In XXXX XXXX I closed our business. I then approached my mortgage company ASC and explained the situation to them. I advised them that my financial hardship had ended with the passing of my husband and closing of our business. I have a steady income and I would like the opportunity to save my home. The only response I have received from ASC was that " my payment is affordable '' and they can not help me. My attorney called and spoke with them asking why I was denied for a regular modification. They replied it was due to my NPV and that my payment is affordable. Neither of which pertain to my hardship and situation. I tried to explain to them that my hardship was not an un-affordable payment. It was XXXX. I am not asking for any payment reductions. I only request to be considered for a Regular Re-Capitalization modification that will bring my loan current. I am fine with the payment increasing and I understand my balance will increase after the modification due to the missed payments. I have since hired an attorney to re-submit my paperwork for me and they state I qualify for a Regular Modification. I have run my NPV and it is Positive and so the denial reason of negative NPV ( for a standard modification ) is not a true statement. ASC has filed a Notice of Sale on XXXX XXXX, XXXX with a sale date of XXXX XXXX, XXXX. They did this after filing a Notice of Default from two years ago on XXXX XXXX, XXXX. I am not sure this is even legal in my state to issue a notice of sale two years after a Notice of Default. I am asking that they simply give me time to have my updated financials reviewed for a regular modification before moving forward with my sale date.
On XX/XX/XXXX, I paid my account in full with XXXX XXXX XXXX XXXX ( listed under XXXX XXXX XXXX XXXX. And on XX/XX/XXXX, I sent a letters to Transunion, XXXX, and XXXX to notify them that the debt has been settled and paid. However a week ago, I noticed that on my three bureau credit report report that XXXX XXXX is reporting a new balance on my account as well as reporting it as a new charge off with notes on the account that is simply not true. My score dropped 64 points. I called and spoke to a representative with the company and she apologized and said that she will update the information and it will be deleted off of my credit report. Fast forward today on XX/XX/XXXX, I woke and noticed my credit score dropped another 32 points because they decided to keep posting this as an active and open charge off when that is a lie the account has been paid in full as of XX/XX/XXXX. This is a CLEAR violation of my rights under the Fair Credit Reporting Act to be reporting this on my credit report for reporting a debt as charged off when you settled or paid it in full and misstating the balance due.The account was opened XX/XX/XXXX, it has reached its statute of reporting time of 7 years anyways this year on XX/XX/XXXX. I demand that this account be removed from my credit report with all 3 bureaus immediately.
I submitted a certified letter to Trans Union on XXXX/XXXX/16 in reference to XXXX XXXX XXXX placing a derogatory mark on my credit report. I requested proof barring my signature from the original creditor from when I opened this installment loan and if those documents could not be provided/verified in a timely matter that account should be removed from my credit report ... Trans union sent no such documents but that derogatory mark still remains on my credit report..
XXXX XXXX XXXX Collector Company United Recovery. Called me numerous times at work. The following times that the company called me at work are as follows. XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.
Experian -- I have submitted several letters or Experian in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. Experian refused to update that my report, simply stating they don't have to reinvestigate a dispute they already investigated. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX account. The original XXXX account WAS removed by Experian, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 

This is the third complaint Ive submitted against them. They remove the things only after I submit a complaint. Even after sending in both mailed copied of price report and uploaded online. This has now cost me the ability to refinance my house. 

XXXX  -- I have submitted several letters or XXXX in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. XXXX  refused to update that my report. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX not my account. Result of identity theft from someone who opened an account. Police report provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX account. The original XXXX account WAS removed by Experian, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 


XXXX  -- XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided.
I tried opening an account with Chase bank today. The gentleman informed me that they would n't be able to but refused to give me a reason why or a number to contact to find out why it was denied. He said they were not obligated to share the information.
On XX/XX/2019 I was checking my Credit Bureau Reports and notice a collection account on two of my Credit Bureau Reports. Mainly XXXX XXXX and XXXX Reports from MidWest Recovery System for {$1200.00}. This Collection Agency have violated 809. Validation of debts, by failing to Validate this debt and to give me a right to dispute this collection within 30 days from notification. I have no clue who they are nor the Date of debt or the original Creditor. They have used two different mailing address and contact numbers to report this collection on the credit Bureau 's with partial display of a account number. This Collection Agency have failed to send me a notice of debt before reporting it to a Credit Bureau. I have not been given the Right to dispute the debt in pursuit of section 809 of The Fair Debt Collection Practices Act. I live in the State of Texas and we also have a Stature of Limitation.
I received a letter fro m Capital One  Bank dated  XXXX   XXXX ,    2017 stat ing  that Capital One  Bank was closing my account due to Principal ow ner ( s ) have  past, present or pending legal action on acct ending  XXXX  which is my personal account. I have contacted this bank and asked them what legal action do I possibly have they would not tell me, I knew I had none pending in any cou rt , county o r anywhere except for a divorce. I told the bank representative that all i had was a divorce but they insisted it was more I searched all federal and state records and even had an attorney look into it and he stated he could find none. Then 2 days later I received a letter dated  XXXX   XXXX ,   XXXX   stating tha t Capital One B ank was removing one of my authorized users from my business account ending  XXXX  because of her past, present or pending legal action even though she is not responsible for this account she is just an employee. Then I received a letter from  Capital One Bank  stating that they were closing my business account ending  XXXX  all together for these same strange reasons of past, present or pending legal action. I have not been charged with any crime or convicted of anything. I have paid these cards faithfully one time and with extremely more money than what was required for the minimum payments du e. Capital One has hur t m y Credit Score b y closing these accounts with balances on them and this sort of action is very unfair and should be against the law. I am including copies of the letters from this unprofessional, inconsiderate bank.
i have a collection agency ding for something on equifax and their online dispute says my information does not match theirs.
I've been used to getting my annual reports from all three agencies for many years. After hearing from a credit card company that there was an attempt to use my card online, I wanted to see my reports and freeze everythiung. 

After getting my report from XXXX, I checked Experian. 

The first time I was required to upload documents in a black and white tiff file or pdf under 15 mb. I spent an hour trying to do the conversions, and despite familiarity with these processes, I could not do so. I've done file conversions for years. I had cropped the files, etc. But you can not reduce file size in either as they are vector files. But then I only tried three different conversion programs. They should accept the images in any format that a camera or smartphone takes them without requiring people to jump through hoops.

I began the process again and this time it accepted my answers.

Checking my report, it was spread apart on about 20 different pages, and they were summary. Again, this was made as difficult as possible. I did find an extra street address which didn't even exist and requested that it be deleted. I could not find the one place to download my credit report. Also, one account was missing. 

I successfully filed a dispute to delete the erroneous address. I saw options for credit alerts, fraud alerts and freezes plus other services and could not determine which I needed. I went through all the menus and could not decide. 

I then spent two hours trying to reach someone calling six phone numbers a total of eleven times., The numbers on their website would not allow me to reach anyone. I went through multiple levels of menus providing all sorts of information on each only to be given binary choices of yes or no to turn on one feature or another. Attempts to break through by pressing zero or saying agent did not work. The one number to get me through is not listed on their website, but a consumer agency. 

Once I dialed this number I did reach someone who was able to answer my questions. 

Experian has purposely made it impossible to reach them. I'm certain they can prevent credit freezes and have more records to sell and reduce their liability for errors by saying they were never told by the consumer. This is not what the law intended for consumers to experience.
first of all i am NOT a career disputer if i dispute its because i have been wronged and i protect my rights I dont want any scripts in the answers here. I have been an american express customer a long time. I bought tickets to go to XXXX with daughter with this card. I have disputed the purcchase because there was a problem with security at the theater and i missed most of the show and as such preserved my tickets so i can get a refund or another show. They cotninue XXXX  to send their policies despite me disputing this twice now they keep sending their policies. which in no way address the fact that due to a local issue at the theater i was prevented from seeing the show. I want my money back and refuse to pay this. Twice now i have disputed this on my every day card and twice now its been closed in their favor. NOT handled right very frustrating. refund or i am done here. and i still wont pay it not for a show i missed due to security issue not my fault. Policies and procedures cant violate my consumer rights.
I accidentally submitted bill payments with another institution that used my account at Bank of America. The transactions all occurred on XX/XX/XXXX : {$110.00} {$70.00} {$47.00} Unfortunately there were not funds in the account to cover those transactions, due to transitioning to a single bank account at XXXX. Instead of stopping those transactions, Bank of America allowed them to post to the account and proceeded to charge three {$35.00} overdraft fees. <P/>I contacted Bank of America on XX/XX/XXXX to dispute the overdraft fees, but they refused to be of any assistance, meaning that I have lost {$100.00} due to them not managing transactions properly. <P/>Additionally, despite me having set up account alerts to notify me whenever there is an overdraft, I did not receive that alert until the day after the transactions were posted. Had I known that this occurred the day of, I could have transferred funds immediately to prevent any overdraft fees being charged.
I purchased furniture last year and was approved for a loan through XXXX XXXX XXXX. It was marketed as a one year interest free transaction. After the year ended they went back and charged me interest for the entire year that was marketed as a " no interest period ''. They charged me on a balance I have already paid. I feel that this has violated my rights. I still have the marketing material AND the TIL Disclosure that was given to me and NO WHERE on it did it say I would be charged interest for the entire year that I have already paid. I feel mislead.
Hi I had inquiries that are on my credit report. All my inquiries were all removed from all XXXX CREDIT BUREAUS. Transunion, XXXX and XXXX ... They removed all inquires up to XX/XX/2017 and placed back on with in a week due to system glitch this against my rights ... They have affected me purchasing a home because the inquiries dropped my credit score
Called over 100 times in less than a month. Has never left message. Tried to return the call and was sent automatic message about not being a valid number until today. Had to call over 10 times before they would even tell me the company name. It is Phoenix Financial. They are not currently on nor have they ever been on my credit report.
Earlier this year I was online booking a flight. I found a good flight with XXXX XXXX that worked within the dates and times I needed to travel so I proceeded to book. As I was about to purchase, I received an add to apply for a Citi AAdvantage credit card and receive my checked bags free and some other benefites. I proceeded to apply. I was approved and continued with the purchase to be placed on my new Citi AAvantage card. 
When the transaction was complete, I checked and the tickets were booked for completely different dates than what I selected. I immediately called XXXX and explained the situation. XXXX was very unfriendly and told me that they will not give me credit for the flight as their system would not do, there is a {$200.00} change fee and the flight for the dates I really intended to book ( later in the month ) was almost {$300.00} more per ticket. I asked to speak to supervisors and was told sorry, they could not help me. 
I went back to XXXX online to replicate the situation and after selecting one date and waiting for a while, the system defaulted to a different date. I called back XXXX and explained my experience and they said unfortunately they could n't help me. I wrote to explain and still no help. 
I called Citi Bank to dispute the charge. They were very understanding and gave me a credit for the charge. Then I started to receive bills for the charge. I called back and Citi said they sent me a letter for me to send them a written proof of what happend. I explained that I did not receive any such letter. The supervisor said she will send out other paper work. I finally received, completed and sent back to Citi via mail. 
This has been almost two months ago. I am still receiving bills from Citi stating I am past due with no explanation. 

I belive XXXX and Citi Bank deceptively set up this product to get customers to apply for the carrd and unfairly charge for purchases. I would like my purchase to be credited as I did not use the flight. I was unable to travel on the dates that the flight was booked for. I would like any negative report on my credit bureau cleaned up.
I recently pulled my credit file and I realized Speedy Cash was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from speedy cash and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.
hsbc sends me letters stating they have sent me a check for the balance on my closed credit card, i never received any check
I submitted a written request for XXXX, Transunion and XXXX credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.
I have sent TransUnion letter after letter for over 4 months asking them to verify the information they are reporting or remove it if they cant. They have repeatedly ignored me and sent me back my credit report saying they did verify it and wont remove it yet they sent me NO paperwork or information backing it up.
Hello, I recently had my Navient Loans managed by a collection company called XXXX. I made a settlement agreement with them to pay off the loan. Then the day before the loan payment was supposed to be taken out, Navient took to the loan back from the collection company. This was done by a system that automatically removes accounts from collection companies who have not received payment within a certain period of time, I believe that 's the 30 days. However, I had an agreement in place, and I feel that Navient is taking extraordinary steps at trying to make this repayment incredibly difficult for me. I would like my loans sent back to XXXX XXXX XXXX XXXX.I would also like someone to look into this automatic system that 's pulling loans from collection companies that are already in repayment plans. The system should make an exception for those loans, and allow the collection companies to do their job.
I have disputed a Lien and a judgement that was placed on my credit file in 2014. I have requested information and also asked for verification of these accounts be sent to me. As of this date the the credit bureau has verified this account but I have yet to receive any information on any of these XXXX accounts. I also disputed a XXXX account, and a XXXX account that has not been verified, and I have no information or paperwork on neither of these account. I also disputed a student loan on my account that is reporting that i missed a payment and I have never missed a payment or been late ad I asked for it to be verified and I have not recieved any paperwork back on this account.
I made contact with Quicken Loans regarding a potential mortgage ... ..they provide no way to unsubscribe from their email distribution list. Also, even when you are emphatic that you do not want any of their services, they will not stop calling you on the phone. 
I would never recommend this company to anyone, they are a nuisance.
I have a dispute with an account with Compass Bank with a merchant who refused to cancel a transaction and shipped the item ignoring my cancelation request. Today I received an email I believe violates my rights to service with the company for services I am entitled to as an account holder. Compass Bank states that because of disputes all of which are valid I run the risk of account closure which makes no sense. I have never read of being threatened with account closure for services included as an account holder.

The merchant taunted me throughout our communications and the package had been refused and forwarded back to the senders.

Order time & date : XXXX XX/XX/2018 Amount of {$46.00} The transaction was unauthorized when I initiated the cancelation!
There  XXXX  accounts on my credit which I never had  XXXX  are car loans  XXXX  fo r Santander and a apartment community in which I never lived
Compass bank opened credit cards for both my husband and I without our consent when we opened a checking account at the bank back in 2006. We closed our acoount there after that happened bc it was so shady. Y
This person calls. Does not say where he is calling from other than the state. Does not indicate why he is calling or what it is about. He is rude. Has called my work when I have asked not to be contacted as I am not allowed to have personal calls.
Hello All, XXXX Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX
I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my trans union credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.
This collection i'm asking you to remove from my account that is {$1300.00} from DIVERSIFIED CONSULTANTS that has been re opened 2 months ago when i want this removed from collections my credit is already bad i dont need it any worse im asking to please remove this from my collections account im trying to apply for a credit card with all these collections and hard inquiries.i cant go no where with out these things gone
Service Provider : XXXX XXXX ; Services Provided : XXXX XXXX ; Date of Service : XX/XX/XXXX ;  Invoice # : XXXX ; Claimed Amount : {$100.00} ; XXXX XXXX are claiming that I have not paid their above Invoice for services provided on XX/XX/XXXX. 
I paid this amount through my XXXX XXXX XXXX ( XXXX ) bill payment service in two equal installments of {$50.00} each as follows : 1. Electronic Payment from XXXX  XXXX XXXX {$50.00} on XX/XX/XXXX 2.  Electronic Payment from XXXX XXXX XXXX {$50.00} on XX/XX/XXXX The above information was provided to XXXX XXXX of XXXX XXXX ( Tel : XXXX ) 9-28 2017 by XXXX.. 
On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX and provided the information again. She promised to investigate and call me back in 5 business days, but never returned my call. 
They have now referred this fraudulent claim to a Collection Agency - American Medical Collection Agency. This has affected my credit rating and I am being continued to be harassed. 
I am a retired person and I am being harassed for no reason. Please intervene to stop this tyranny! 
I also need them to have my credit repaired. 
Thank you. 
XXXX XXXX