WillisBack/dataset-financial-user-claim huggingface dataset:
I have an old account that just just popped up that was already settled with actual company, now it is on my credit report. What is concerning is what it shows. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX That is the company that is on the credit. However when you research XXXX XXXX XXXX they are based out of XXXX, Ga. The phone number associated with that account is NCS plus. 
XXXX XXXX XXXX This is very concerning as i feel that my personal information is being shared among other people not authorized and now are requesting access to payment even though it might be FRAUD. This should be 100 percent accurate however it clearly is not.
A man contacted my XXXX year old grandfather and stated he was looking for me and I had 1 hour to return his call or he would be at my house serving me with warrant papers and arrested due to a auto repo that had taken place almost 7 years earlier. i spent over 2 hours negotiating this old debt over the phone with what seamed a legit company for HSBC. I was assured this debt was settled after making a payment over the phone. It would be cleared from my credit as a closed paid off satisfied debt. This was thought to be resolved over a year ago. After all this the account is still showing open, incorrect dates and owing monies and negatively effecting my credit. I am in disbelief this is still unresolved and mortified these creditors can get away with such drastic threats.
I wrote a letter to Midland Credit Management to stop calling me and harassing me and they continue doing this.
XXXX XXXX XXXX are in violation of FDCRA rules and regulations because they continue to report fradulent account on my credit report. They have been  reporting an account opened on XXXX/XXXX/2013 for {$1000.00} that I have no knowledge of. I have made no agreements with them. I have received many phone calls and letters, but no matter how often I explain this is due to identity theft in the past they continue to harass me.
I received a copy of my credit report in XXXX XXXX. I disputed a debt collection which was originally XXXX I believe and is now with afini collections. I sent a certified letter to the collections agency asking for debt validation and they sent a bill statement as proof which wasnt proof because I never had a contract with XXXX. I sent another letter to afini again asking for proof because this IS NOT MY DEBT my calls and letters have been ignored
Borrower submitted several RMA packages to US Bank over the last year + and file continued to be closed due to timing out. He had to escalate to a local Branch Manager before the file was re-reviewed. No decision made on the file, other than incomplete package or documents timing out. After Borrower started working with me, his Housing Counselor, this issue continued with submission of package on XXXX/XXXX/2016. I have documented that a complete package was received by the Mortgage Assistance Point Team several times, but still the initial review has not been completed. After initial review by Processor, they requested missing items. However, after carefully reviewing individual pages with MAP Rep. on XXXX/XXXX/2016, there was no missing pages to bank statements and non-borrower contribution letter was complete with specified amount. File escalated internally, but did not result in review. As of XXXX/XXXX/2016, the Processing Dept. had not reviewed the file again. However, it was indicated they were running behind. On XXXX/XXXX/2016, the Processor closed the file due to aforementioned items not being cleared. I had to resubmit RMA and supporting documents on XXXX/XXXX/2016. Verified on XXXX/XXXX/2016 that file was open and under review. However, on XXXX/XXXX/2016, it was explained that the Processing Dept. has not yet reviewed the file. I again requested Escalation. As of today, XXXX/XXXX/2016. the file has not been reviewed by the Processing Dept. However, notes indicate an Escalation was put in on XXXX/XXXX/2016 and the Supervisor has been out of the office.
so there is fraud inquirys on my credit report i ask them to remove them i provided my police report with each inquiry listed in the police report a letter stating why im disputing these with copy of my id and i called in after 4 days and they sent the same letter that says inquirys are factual records and i told them the company 's didnt have my information and there is nothing i can do they kept giving me the run around been on the phone with them for over 30 mins trying to get this straight but still get no help what so ever
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS O MY EXPERIAN CREDIT REPORT.
This company has never provided me with a signed contract proving that this debt is mine. Their information needs to be removed from my credit report immediately. My identity was stolen so nothing but a signed contract will do.
I refinanced my 30yr fixed rate FHA mortgage in to a 15yr fixed conventional loan. My old lender Ocwen received the pay off amount on XXXX/XXXX/2015. As per HUD, The Federal Housing Administration ( FHA ) today announced that borrowers who prepay their FHA-insured mortgages will not have to make interest payments beyond the date their mortgage is paid in full. FHA 's rule, Handling Prepayments : Eliminating Post-Payment Interest Charges, applies for FHA-insured mortgages closed on or after XXXX XXXX, 2015. This rule explicitly prohibits lenders from charging borrowers post settlement interest, which is broadly defined as a " prepayment penalty '' by the Consumer Financial Protection Bureau ( CFPB ), for all FHA Single Family mortgage products and programs. 
Ocwen is telling me that they calculate the interest on a monthly basis not on per Diem basis as opposed to that above rule. They have charged me interest for the whole month of XXXX. Ocwen charged me {$1000.00} in extra interest payment for the XXXX days of XXXX, when HUD clearly says there is no prepayment penalty. 
I have written letter to Ocwen expressing my concern about the extra interest payment and they have replied me back saying that they will only calculate interest on monthly basis and denied my appeal to refund the money.
i had bought a vehicle from a dealership that sold it to me illegally by selling it to me without having a title in hand. come to find out they never paid off the remaining amount that was owed when the previous owner sold it to them to his bank ( XXXX XXXX ). so there was XXXX people paying on the same vehicle when it comes down to it all because the dealership never paid the remaining amount that was owed to previous owners bank to get the title in hand. and since previous owner did n't possess the vehicle anymore he refused to keep paying for the vehicle anymore, so his bank ( XXXX XXXX ) came and found my vehicle that i had now possession over and repossessed it from me because of failed payments. now i 'm making payments own this car loan when i no longer possess this vehicle.
loan  XXXX  I have attempted to get a loan mod with Ocwen so many times.   Have spoken with them numerous times There 's been no sign of a foreclosure Last week I was told that there was a sale date and I did n't no anything about it It was set for  XXXX  Supposedly its on hold now but not trusted so Could easily lose my investment with Ocwen and my home Would be horrible since I am recovering from a car accident and receiving  XXXX  There is a problem with the promissory note on my loan ; it has strange verbage that Ocwen will not acknowledge
Bayview solutions XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ceo XXXX XXXX hired XXXX XXXX to collect a debit i was never made awsre of he called our home and wanted to know when we were going to be home do he could service of papers filed in XXXX XXXX nv he also called my working telli g the service are to tell me i was getting sued and they better have my self and my boss there to serve me with legal papers he ssid he was doing this in nv i have not lived in nv since XXXX now im in trouble at my work for this spoke with XXXX XXXX from bayview he told me i owed XXXX i told him i have never gotten any thing in mail or calls until today XXXX/XXXX/XXXX i ask him if this was to old to collect on he said no there was a payment made on XXXX/XXXX/XXXX i didnt make a payment that was the sameday also the debit was sold i ask him to show me proof of a payment he told me no and from that date the sol stared over he also said there was a payment made in XXXX where he said we lived in XXXX nv once again there was no payment made i ask him for proof through a check number or a credit card acct number and he told me know the only time i have ever heard about this is when they called threating me and my job on XXXX/XXXX/XXXX i dont feel it is correct to threating me at work or my husband with serving legal papers and getting me fired XXXX XXXX was made aware of the treatment we recieved from XXXX XXXX i belive they have falsiefid the payments they said that were never made to rest the time of the debit they were ask to give me the origal contract and have not recieved ir also they were ask to show all documents per the fair debit act with to this date they have not if i owe debit it should be handled in a fair non threating leagal way not by bullying me also i would like to make sure my name and informatiob was not XXXX of the XXXX 's name that XXXX XXXX company put on a pyblic web site per the case involving them getting fined by the us goverment
XX/XX/2016 To Whom It May Concern : Please note that in XX/XX/2016, I called Fortiva Personal Loans and requested that my due date be changed from the end of the month to the XXXX. I got an acknowledgment that it was done, yet they have been harassing me and also reported me delinquent on my credit report based on the original due date. I have tried to contact them a few times but there always seems to be a language barrier. I am requesting that my due date be honored for the XXXX of the month and that my credit reports are corrected. Please see attached documentation that indicates that they are inaccurate for the due dates. 

Thank you, XXXX CC : XXXX FTC Attorney General of XXXX
I have received numerous debt collection calls from Midland Credit Mgt. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX. Collection Agency blocks their name on caller id ( shows as private caller ). I located the business name by using on-line acct management tools provided by my the telephone company. I informed this company that the person they are asking for is unknown to me. I also informed them they are violating telephone consumer protection act by blocking caller ID. I then spoke with a supervisor and demanded they remove my phone number from their system and cease and desist calling the number as I am not the debtor. I continue to receive calls from this company with blocked caller ID. Last call received XX/XX/XXXX was from an abusive representative who said she did n't care that I asked not to be called and she was breaking no laws. She hung on me when I asked to speak with a supervisor.
My complaint is about Venmo, the person-to-person money transfer service owned by PayPal.
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My son, who is  XXXX , wanted to sell a nice laptop computer. He found a buyer who agreed to buy it for {$2200.00} and said he would transfer the money to him on Venmo, which advertises that it goes straight from the payer 's bank account to the payee 's bank account. My son agreed to give him the computer after he had proof that the guy had sent the money.
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On   XXXX   XXXX  , 2017, the buyer sent the money through Venmo in {$85.00} increments ( see transaction record, in attached documents ). My son had his father meet the buyer and give him the computer.
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Soon after the {$2200.00} had been transferred, according to the record of transactions that Venmo showed my son, my son was asked to verify his identity. He gave his credentials, which included his age, which Venmo had never asked him before.
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The next day,   XXXX   XXXX  , my son checked his account at   XXXX    and found that no money had been added to it by Venmo. He also was told by Venmo that there was a problem with the transaction and that the money transfers would not take place.
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He contacted customer service at Venmo by phone, and a representative opened an investigation of his case.
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The following day,   XXXX   XXXX  , my son received an email from  XXXX  in customer service at Venmo informing him that he had violated the terms of the customer agreement, so he would receive no money and his account had been deactivated. A copy of that email is attached in the documentation below.
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As I am his sole legal guardian and he is a minor, I contacted Venmo myself by telephone, and they said they could not talk to me because I was not the person on the account and my son 's account was deactivated anyway.
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Venmo did not specify what terms of the customer agreement had been violated. The customer agreement, which I printed out, is 26 pages single-spaced. I noticed that it says you need to be 18 to use the service, so perhaps that was the violation.
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If so, Venmo did not verify up front that my son was 18. It is well known that minors use Venmo all the time, and my son 's friends are no exception. They had no idea you needed to be 18, they just thought you needed to have a bank account -- and had been using the service successfully.
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Venmo is preying on children and facilitating frauds. The " buyer '' was clearly a fraudster who knew well exactly how to play Venmo 's system, and Venmo let him get away with it. Venmo must be stopped, and my son and I must be made whole.
Hello, My name is XXXX XXXX and I am writing in regards to my Barclays Rewards MasterCard. 
I had hoped to secure a Credit Line increase on the card account without a Hard Inquiry/pull on my Credit Report, since they last for 2 years. And it 's frustrating that this can not be done. 
I am always advised when I call in, that if I do not want this done, I would have my account randomly reviewed at some time - when no one knows. But this continues to be the case. 
I have had this account for well over one year, and it still has not been provided with an auto increase. Even though there is documentation online that states an auto incerase will happen within 12 months. I 'm still waiting. 
I would like to know when my time will arrive for an automatic line increase? 2,3,4 or 5 years from now? 
I only have {$1000.00} in available credit, so if I even attempt to charge how I 'd like to charge, my utilization on this card will shoot well over 50 %, and that wo n't be good on my record, causing my XXXX to drop - hard. 
So, I 've been relagated to charging only $ XXXX a month in order to remain compliant. But it appears Barclays does n't value my relationship with them to even offer any type of line increase. 
I honestly like the card, but I 'm afriad to use it like I want to because I have a low limit. 
Please let me know when my account will qualify for an automatic increase, since it has been active in good standing for well over one year.
Portfolio Recovery has placed an account on my credit report with a balance not owed on the account. I requested a copy of documents that show that I owe this amount and they have not been able to provide documents. I filed a complaint with XXXX XXXX XXXX   and they too were not able to provide me with documents showing the amount they claimed I owed. On their letter head it says I owe them hundreds of dollars but on the billing statement XXXX XXXX XXXX has provided it does not show this amount. 

I have enclosed a copy of the document XXXX XXXX sent to CFPB that says they sold the account to XXXX for a different amount then the billing statements. 

I can not see how this is lawful and is it is damaging my credit report. I have filed an investigation with the credit bureau 's and will be filing a complaint with other agencies
ON   XXXX   XXXX   XXXX    , I OPENED AN ACCOUNT WITH  NAVY FCU   WHILE I WAS IN   XXXX   XXXX   XXXX   (  XXXX  ) AT VIRGINIA.     I RECEIVED THE CARD AND USED THE CARD AND PROBABLY CHARGED NO MORE THAN {$300.00}. EVERY  TWO WE EKS I GOT PAID AND I SUBMITTED PAYMENTS ONLINE AND EVENTUALLY PAID THIS BALANCE.     WHILE AT  XXXX , MY DAD RECEIVED A LETTER ADDRESSED TO ME. THE LETTER EXPLAINED THAT I WAS NEAR MY CREDIT LIMIT. I WAS CONFUSED BECAUSE I HAD NOT MADE ANY CHARGES. WHEN I CALLE D NAVY FEDERAL I WAS  TOLD I WAS LIABLE FOR THE CHARGES BECAUSE I COULD NOT PROVE THAT THE CHARGES WERE FRAUDULENT.     THE BALANCE REFLECTS CASH WITHDRAWALS, FOREIGN TRANSACTIONS, NONE OF WHICH I MADE.     CURRENTLY THE BALANCE IS {$7000.00}. THE AMOUNT WAS HIGHER AS I RECENTLY MADE A PAYMENT. AFTER TALKING TO A LEGAL ASSISTANCE ATTORNEY AND MY LEADERSHIP, I STOPPED MAKING PAYMENTS BECAUSE THE DEBT IS NOT MINE AS I DID NOT AUTHORIZED THOSE CHARGES. I PAID BECAUSE I WAS AFRAID OF WAGE GARNISHMENTS.
I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time (XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.
XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed.
I opened a credit card with Chase bank in XXXX XXXX that had promotional miles and an annual fee of {$60.00} that was to be waived for 1 year. In XXXX XXXX I was charged an annual fee. I assumed it was for the coming year. I called Chase in XXXX XXXX and was told that the annual fee I was charged in XXXX XXXX was for the coming year. I had already paid the fee so I held on to the card for the next year. Today I called Chase to downgrade to a no annual fee card and I found out that the annual fee is backwards looking. I should not have been charged an annual fee in XXXX XXXX. Chase does not have my old cardmember agreement and would not waive the fee for that year or this coming year. I felt this was unethical and canceled the card.
XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in  XXXX   2017 , with the subsequent  three mo nths showi ng 30-60-90 da ys late payment. In  XXXX   XXXX  finally issued a statement ( due  XXXX   XXXX   2017 )  showing no amount due and no late payments. The  XXXX   2017    statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencie s ( Transunion,   XXXX   XXXX   XXXX   ) was  to remove the single 90 day late for  XXXX     2017 f rom credit report and not remove th e 30  and 60 days late for  XXXX  and  XXXX     2017 on  the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due.
My mortgage is with Nationstar Mortgage Company. Upon closing, I signed a PMI Disclosure form saying that I have the right to request PMI removal at 80 % LTV, and that it will be automatically terminated at 78 % LTV. Upon trying to clarify these terms with Nationstar, I 've been told by them that I can not get PMI removed until my loan is at 75 % LTV since it is less than XXXX years old. I have gone back and forth with them several times ( and have produced the signed PMI disclosure form for their review ) and have maintained that if that were the case, then it would 've been disclosed on the form along with all of the other disclosures The form simply stated that I have the right to request PMI removal at 80 % ( not 75 %, not 75 % within a certain timeframe ... 80 % ) and while there are some loans that require different terms for cancellation, my loan is not XXXX of them. I requested to be transferred to their legal department and was told by a rep that " they do n't have a legal department ''. I am not gaining any traction with Nationstar - responses are not timely, intelligent, knowledgeable or helpful. The responses I 've received from their Customer Service Department do not address my questions, have not produced any signed agreements ( between myself and them ) or documentation that back up their claims and often are scattered with grammatical errors combined with poor professionalism which make me question the competence of the Customer Service " Specialists '' handling these mortgages altogether. I requested to be transferred out of the Customer Service Department to a superior in the company who I could escalate a complaint to and the Customer Service Rep refused to give me any contact information. At the advice of the XXXX XXXX XXXX XXXX - Banking Division I escalated the matter and wrote directly to the Compliance Officer at Nationstar Mortgage, XXXX XXXX, and attached all of my correspondence, documentation and expressed my frustration & stress in dealing with the Customer Service Specialists who have not been adequately addressing the situation. He simply forwarded my letter BACK to the Customer Service Department and I received a letter back from them saying ( again ) that they wo n't remove it until 75 %. Their PMI Cancellation Form is extremely vague and says that while I can request removal it is not guaranteed ( and seems to be at their discretion, at the end of the day ). I have not applied for cancellation yet as my home is not yet at 80 % LTV, but I suspect it will be upon a new appraisal. I am trying to get my ducks in a row for when that time comes and Nationstar, I feel, is violating my rights as a banking consumer and is not appropriately responding to my multiple attempts at sorting this out. It was always my understanding that the Homeowners Protection XXXX of 1998 was enacted specifically to protect consumers from banks doing exactly this. I am at my wits end and do n't know how else to proceed. I will attach my signed PMI Disclosure form, and multiple ( dated ) correspondences to and from Nationstar as well as my reference log of activity.
XXXX XXXX XXXX were my mortgage company but they turned it over to Greentree Servicing, these are some very rude and uncaring people, they have no training not even the so called Supervisor. If your mortgage payment is XXXX day late, they will try to harasse you into making a payment over the phone which is a XXXX fee then they will tell you that they will waived the XXXX fee but they do n't, after you questions the charge they tell you that their Supervisior forgot to remove it but they never refund you. My mortgage payment was 13 days late I informed the lady that deals with my account that my payment was mailed 5 days ago I asked her to wait until tomorrow but she told me that I should do a short sell because me and my husband were a sad case because we could not pay such a small mortgage payment, she went on and on with many insults and hung up the phone while I was talking. Something must be done about this as a consumer I feel like my hands are tied because this has been going on and on.