WillisBack/dataset-financial-user-claim huggingface dataset:
I moved to US in XXXX XXXX. In XXXX, I started receiving many adverse actions from banks/potential landlords due to my Experian Credit Bureau Report. When I contacted Experian to get the bureau report, I was never provided it and was never given a resolution to the problem. Till now, I continue to get declines. As I learn from the people reviewing the reports, I have delinquent trades from XXXX in my bureau reports, when I was not even in US!! Someone can contact XXXX to verify that information. Not being able to rent a house is the most difficult thing. Where am I supposed to live!
I was sent summons information about someone else from a collection company. They filed incorrect information regarding someone else 's debt in my case and Certified that I had been served while providing Name and Address of entirely different person. They additionally sent critical court date and appearance information to an old address, despite that all other correspondence addressed to current address. They are suing me even though I am paying on a debt that I have disputed.
XXXX XXXX having on collection since XX/XX/XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for lowe 's since XX/XX/XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XX/XX/XXXX and reported as XX/XX/XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX XXXX XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual Individual Individual [ XXXX ] [ XXXX ] [ XXXX ]
this is the fourth time i complain about this company last time a lady called XXXX XXXX responded and made false claims and told us in her letter to call if i needed anything to call i left here Several MSG never responded i called here today XXXX XXXX 2017 and told here i will send here all prof of my hardship and my hospitalization she said she alredy helped me once and there is nothing she can can do for me i
I disputed multiple inquiries on my report as not being mine as I hadnt applied for credit for a few years now. Some inquiries were removed but showed back up on my report. I 'm requesting that all inquiries without an open account be removed as I have yet to hear back from anyone concerning these fraudulent inquiries
HAD A BANKRUPANCY BACK IN XX/XX/XXXX, WHICH SHOULD OF BEEN OFF MY CREDIT REPORT-XX/XX/XXXX. APPLIED WITH CHASE BANK -- -AND THEY RESPONDED THAT MY CREDIT REPORT IS SHOWING BANKRUPANCY ON IT, BUT WHEN I LOOK AT MY FREE CREDIT REPORT -- -IT SAYS THEIR IS NO JUDGEMENT AGAINST ME OR XXXX REPORTS?
I sent a request for a Security Freeze, because I am a victim of ID Theft to XXXX TWICE. I sent them a police report, proof of address, my drivers license and my social secuirity card. I sent the request certified mail and it was signed for on XXXX XXXX 2015 and XXXX XXXX 2015 by Experian.. They have not placed a security freeze on my file although the other XXXX bureaus did place the freeze with the same documentation.
I have been a customer of ONE MAIN FINANCIAL for almost 10 years. I have never missed a payment. I missed one payment on XX/XX/2018 due to a medical emergency. I spoke with the company twice to let them know I could not make the payment until the following week. Since that time, this local branch in XXXX, florida has called my phone 15 times a day harassing me. I called them again to tell them to stop calling and informed them I would make the payment this week. Today I received notification from my mother that they called her 2,000 miles away! They divulged private, protected information about my loan to her and asked her for payment!! When I called the companies local branch to complain, XXXX XXXX was extremely disrespectful. He proceeded to yell at me and made me feel as if I were a criminal. When I spoke to his manger XXXX XXXX, she proceeded to speak to me a " disgusted '' tone while taking my payment. When I complained that her staff violated the law she was unapologetic and told me to call the district manger. When I called the district manager his response was, " I am very busy but I will look into it next week when I pass by that branch. '' Completely unacceptable.
My identity has been stolen, someone has already filed fraudulent tax returns in my name. I received a letter from the IRS on Friday of suspicious activity related to the Department of Education FAFSA website. The IRS letter told me to contact Equifax and sign up for their credit monitoring. I tried but the system told me it could not process my request and to call a specific number. When I did, I was transferred to " XXXX XXXX ''. It seems ironic that some XXXX, probably from another country, has my identity and I 'm transferred to another country to work on my identity theft issue. When I asked to be transferred back to the US, this person told me to call back in an hour. Something has got to be done about identity theft in this country. There has to be one agency or department to manage the process for those of us who are truly victims of this crime. Sending us to foreign countries is not a good nor comforting way to handle this issue.
I had an unauthorized charge on my Debit card for {$840.00} on XX/XX/XXXX. I filed a dispute with my Bank ( Huntington ) when i saw the transaction on XX/XX/XXXX this is a second account and i manage my funds using a checkbook not online, and in 5 days they declined the dispute saying that the charge was only 12 miles from customers home address. That is the only reason that they gave for declining it. And i am now out XXXX dollars. I have tried to go into a branch and figure out more about the merchant ( XXXX ) but no one can tell me anything. I have tried filing a disupite again in a branch but no one seems willing to help
We have been denied a loan modification by bank of america for the third time without submitting the package to the Investor for final review and decision. Bank of america is just the servicer, and the investor for this mortgage requires that all decisions for loan modification has to be submitted to the investor to look at the supporting documentation before granting a decision. We appealed the decision to no avail. The bottom line is that bank of america has a backroom policy to deny modifications so that they and their secret investors can remove people from their loans. This loan was part of the countrywide product and this servicer puts all investors in one box. XXXX is an investor that has our mortgage and wants to work with us but bofa has refused. One employee even told me that because we are current that means we have not met the hardship requirement and therefor no need to move forward. There are other criteria for hardship that we submitted to the bank such as XXXX % reduction in income from my wife caused by XXXX XXXX and therefore a XXXX even submitted a doctors not violating the hippa policy which they refused to acknowledge. Interest adjusted from 3 to 4.37 % in XXXX XXXX and it is going to adjust again in XXXX to 5.37 % approximately. My gross income was increased by the bank contradicting what I gave them from my personnel office. The bank stated that I make approx {$1000.00} more than what I actually make. They have been made contradictions and violations by bank of america. One contact person investigating inaccurately reported completing a thorough investigation and made false remarks in his report. The contact person even indicated to me that they have other options if bank of america will submit a package to them for their underwriters ( XXXX ) to complete the final packet. Bof A continues to take our payments and apply it to interest only which is against the law. Our payment coupon clearly indicates that it should be applied to both principal and interest but the bank is reaping us committing an illegal act. The remedies we seek are permanent modification with reduced interest and payment we can afford. credit us back {$93000.00} aprox. for fees and charges that we added to loan illegally. pay us for the violations that have been committed by bank of america.must submit the modification to XXXX XXXX group to handle all processes and decision on the modification. Bank of america should not be part of the process and let impac handle the entire process. Their employees and back end employees should not be part of the process. XXXX can and should handle it from start to finish just like they did before in XXXX. My name XXXX XXXX XXXX XXXX.
I HAVE BEEN DEALING WITH OCWEN LOAN SERVICING FOR SEVERAL YEARS TRYING TO GET A SHORT SALE APPROVED. IT HAS BEEN IMPOSSIBLE. THE SERVICING IS IN XXXX AND THOSE CUSTOMER SERVICE REPS ' READ A SCRIPT AND ARE NO HELP..NONE AND WHEN YOU TRY TO GET SOMEONE IN THE UNITED STATES TO SPEAK TO YOU IT COULD BE WEEKS OR MONTHS BEFORE HEARING BACK. 
MY HOUSE IS UP FOR SALE ON XX/XX/2017, NO NOTICE, NO NOTHING, JUST A CALL FROM SOMEONE IN XXXX TELLING ME SHORT SALE WAS APPROVED AND I WOULD HAVE PAPERWORK WITHIN A FEW DAYS ... BUT, " OH, BY THE WAY '', YOU SALE DATE IS XX/XX/2017. I WAS FURIOUS. WE HAVE BEEN WORKING DILIGENTLY ON THIS END TO GET THINGS FINISHED WITH NOTHING, ABSOLUTELY NOTHING BUT LIES AND DECEIT FROM OCWEN. I TAKE CARE OF MY XXXX MOTHER AND MY GRANDSON. THIS IS HORRIBLE, ESPECIALLY WHEN YOU HAVE THE BUYER READY TO GO AND OCWEN STILL CA N'T TELL THE TRUTH. THEY HAVE STATED THEY " MISPLACED '' THE SHORT SALE PAPERWORK, LOST IT ... AND THEN FOUND IT AGAIN. NOW THEY ARE ASKING FOR AN APPRAISAL DAYS BEFORE SALE AND THAT CERTAINLY WO N'T DO ANYONE ANY GOOD ESPECIALLY SINCE THEY HAVE HAD SEVERAL SINCE THIS PROCESS STARTED. OCWEN ALSO PUT FORCED INSURANCE ON THE PROPERTY BUT HAVE NEVER EVER EVER FIXED ANY PROBLEMS THAT HAVE BEEN EXPERIENCED AT THE RESIDENCE. STORMS, ROOF PROBLEMS, TREES DOWN, DAMAGE TO THE WALL FOR THE FOUNDATION DUE TO STORMS ... .NOTHING ... THEY DO N'T EVEN CALL BACK ... ... THIS IS HORRIBLE TREATMENT ... ..HORRIBLE .... 
MY ORIGINAL MORTGAGE COMPANY WENT BANKRUPT, THEN THE SECOND DID THE SAME AND THEN I WAS INTRODUCED TO OCWEN AS THE SERVICER AND THEY ARE DOING NOTHING BUT SUCKING THE LIFE OUT OF PEOPLE.. WHERE IS THE HELP, THE MODIFICATIONS, NOTHING BUT LIES AND DECEPTION. 
WHERE AM I TO GO WITH MY XXXX MOTHER ...?????????? 
I HAVE WORKED ALL MY LIFE AND HAVE BEEN HERE IN THIS HOUSE OVER 15 YEARS. I GOT THE BUYER FOR THE PROPERTY, THE MONIES IN ESCROW, EVERYTHING AND THEY CA N'T GET IT IN FRONT OF SOMEONE WHO SPEAKS ENGLISH AND CAN READ A DOCUMENTS ... .WHERE DO WE GO FROM HERE .... 
LIARS ... .ALL LIARS .... 
I HAVE DOCUMENTED EVERYTHING ... NAMES, TIMES, EXTENSIONS, ETC ... ALL OF IT.. 
TELL PEOPLE ... .TELL EVERYONE ... ..SOMEHOW WE NEED TO STOP THIS CRAZINESS ... NOW .... 
OCWEN ... ... ..LIARS ... ..THEIVES ... ... LIARS ....
In  XXXX     2017,  I requested that  American Express  issue my girlfriend an additional American Express Platinum card so that she would be an authorized user on my account. My girlfriend was issued an American Express Platinum card on my account in    XXXX     2017,   but the account was never a joint account and she never agreed to be liable for any charges on my primary account. My girlfriend also never incurred any charges using the newly issued card. Nevertheless, in  XXXX   2017, we le arned that  American Express has reported to the credit bureaus that my girlfriend had an open account with American Express and that her account had a sizeable outstanding bal ance, which balance was actually the balance that I owed on my primary card account. My girlfriend had no legal responsibility  whatsoever for the account balance reported by American Express to the credit bureaus on my girlfriend 's credit report. This inaccurate credit bureau reporting materially and adversely impacted my girlfriend 's credit score. Further, when American Express was notified of the error, they indicated that it would take over 3 weeks to correct the error to my girlfriend 's credit report. In my view, this should be a clear violation of the Fair Credit Reporting Act or, at a minimum, be deemed an Unfair, Deceptive or Abusive Act or Practice and American Express  should be required to correct such errors immediately.
Payment was made to the original creditor in an agreement letter for a lesser amount than owed. Creditor agreed to terms and cashed check ( electronic debit ) from my checking account. Letter stating this, and all supporting documents were sent to all XXXX credit bureaus for removal. Collection agency who purchased account from a third party refuses to remove information from my credit reports XXXX and XXXX credit bureaus have stated this erroneous information has been verified by this third party collector. Collection agency states they purchased this account from another collection agency. My understanding is they are in violation of FDCPA Sec. XXXX ( a ) and they have used false representation and deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The original creditor agreed to remove the item in exchange for payment and any adverse information, and then failed to follow through with removal ; they are in violation of FDCPA by using deception. Collection agency also stated they are contracted by the original creditor which is false, once again deception ; this collection agency has no contract with me, and has never sent me any prior information of this debt. I ask that this derogatory information be removed from all " XXXX '' of my credit reports. Thanks for your attention to this issue.
I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from XXXX. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX  XXXXXXXXXXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX Collections- XXXX XXXX {$0.00} XXXX/XXXX/XXXX XXXX XXXX XXXX {$59.00} XXXX/XXXX/XXXX XXXX {$280.00} XXXX/XXXX/XXXX
I opened an account with Citibank within the 30 days they decided to in the relationship I had leftover funds in the account I attempted to collect the remaining funds that I had in my account but to no avail Ive been getting the runaround instead they told me to call the XXXX XXXX number so they may send me a cashiers checks in the mail I did that so the XXXX XXXX number told me that to step into a branch with my ID I did that but still havent received my funds.
I reached a settlement with XXXX XXXX XXXX XXXX on XX/XX/XXXX on an XXXX ( XXXX XXXX ) ending XXXX, XXXX XXXX XXXX XXXX account reference # XXXX. 

The settlement was being paid on timely manner and Collections agent, XXXX XXXX XXXX XXXX, did not honor and worse kept additional funds not properly adjusted form balances and agreement. 

According to settlement agreement payments where to be received in a timely manner which they were sent and post marked correctly. Nowhere in the settlement letter it states that funds had to clear by the date provided but sent in timely manner which they did revive as such and deposited. 

This collector is in violation of FDCPA by collecting and already provided and being paid for agreement and also not accounting for all funds. 

I have provided settlement documentation and payments effected which clearly reflect that I had until XX/XX/XXXX to complete settlement and the collector simply voided settlement without regards for my compliance and payments effected in timely manner
I brought my son in for treatment this XXXX for XXXX. I thereafter got XXXX my insurance information ( which was to entirely cover the {$800.00} bill ) - this was to be fully covered as per XXXX 's conversation with my son 's insurer XXXX. XXXX told me it was all taken care of. They then did not take care of it and sent a debt collector after me - AR Resources. I was notified of a credit score drop yesterday - when I looked into it I saw a debt outstanding from this charge. MAJOR ISSUE is that AR Resources never contacted me - EVER! So I called today, and they refused to give me XXXX 's contact information. I WANT THIS FIXED as my credit score due to this has gone from 730 to 660! In addition, the woman I spoke to at AR was nasty, obnoxious and told me " the only way to handle this is to pay off the debt you owe '' - that 's when I asked for a manager and he said that she was wrong and would be reprimanded - I then gave him my son 's insurance information and they said they 'd call back with an update. What kind of corrupt nonsense is this?!?!
Please see attached explanation. 
To this Ocwen is filing a preforeclosed procedure after our bankruptcy discharged in XX/XX/2018, started the letter of post petion pay we so called owed, and now retracting stating we owe several months of non payment ( 6months ) of which 5 were received but XXXX payment was returned. Mailed a check with certified letter, responded by returning our check mortgage payment but no expln.
In late XX/XX/XXXX I was denied credit based on information obtained from XXXX  , XXXX. I did not receive notice of which CRA was reporting derogatory information until the first week of XX/XX/XXXX. Since my scores with XXXX, XXXX and XXXX are all in the range of XXXX-XXXX, I was shocked to see unknown XXXX , XXXX reporting a score of XXXX. 

I visited the XXXX web site which offers service ONLY by mail or fax, no ability at all to access any information electronically. The website suggest to call them for immediate assistance. I did call, over 15 times. I was never able to reach any human, but was only able to leave voice mails : 15 voice mails I left, and no one ever returned my calls. Their outgoing messages provide only a circular reference to their web site. 

On Monday XX/XX/XXXX I faxed my information to XXXX at the fax number indicated on their web site and on the credit denial notices. I requested a freeze on my account. I requested to permanently opt-out from XXXX sharing or selling any of my data. I requested a free copy of the data they are reporting about me and included a copy of the denial letter displaying XXXX as the reason for the denial of service. 

On Saturday XX/XX/XXXX I received an UNSEALED envelope from XXXX XXXX. That envelope contained the notice that they have received my opt-out election. Also enclosed was notice that a freeze has been placed on my account and the PIN number required to manage the freeze. No credit report was included. Pages from the other documents were out of order, some upside down, some were folded with the back of the page facing up ; obviously, someone went through the documents during transit in the mail. Or maybe XXXX is just that incompetent and negligent to shuffle pages of documents they mail. 

I repeat : the envelope was UNSEALED. The letter was open, had NEVER been sealed. This means that XXXX XXXX has now shared all my sensitive personal information with anyone and everyone between XXXX XXXX CA and XXXX TX. They have shared the PIN number to manage my account. Since the credit report I requested from them was not included in the open envelope, I have to assume this means they enabled someone to steal my credit file information, social security number, date of birth, and all other sensitive personal information. 

As soon as I received the envelope and realized XXXX had negligently compromised security I once again tried to reach them by phone. Still no one answers their phones and no one will return my calls.
I 've asked Smith touch assoicted to verify the inaccurate things on my credit they get mad
I have received numerous automated dialer calls from Enhance Recovery XXXX to collect an amount, supposedly from XXXX XXXX XXXX that does not exist. I have contacted them several time by phone and in writing. I have informed them that their claim is fraudulent, actually using those words, and asked them to prove that the debt is valid. I even disputed it through XXXX. They have never shown any proof that this is a valid charge. I have never received a bill in this amount from XXXX and when I had service with them I was on auto payment so I always had a zero balance. XXXX years after I cancelled my service I began to receive calls from them. I will include copies of letters that I have mailed. 

I believe that this company uses frustration and filing false credit information as tactics to secure payment from people for amounts that may not even exist. They rely on the fact that it is just easier to pay than risk being reported to a credit bureau. I have spent many hours on the the phone trying to find out about this debt. ( mostly on hold ) It is simply not ok that predators like this are allowed to bully people into paying amounts that they do not owe. It truly amounts to extortion. 


( I have several other files I can submit )
Experian will not remove the account # XXXX ( XXXX ) off my credit report as I have disputed this account a number of times. There is a mistake here and I need it corrected. Please have team to prove PROOF of the debt as it has impacting my credit score and causing high interest rates.
I was having financial hardship at the time ... I contacted XXXX already with the goodwill letter and they werent willing to change the status.