WillisBack/dataset-financial-user-claim huggingface dataset:
I ordered a refrigerator in a bestbuy store along with a 3 year protection plan and payment was made using my Bestbuy credit card. I cancelled the item before it was delivered. For some reason, the store missed to inform Credit card division about the cancellation and I got a bill from Citi cards. I spoke to the card division on the same day and did a conference call with the bestbuy store and they agreed their mistake and provided a confirmation number ( XXXX ) for cancellation. Later, I received another bill for some balance pending. I contacted Citi and Bestbuy store and they missed to cancel the service plan. They provided another confirmation number ( XXXX ). Still, I am getting calls from Citi and they found that a balance of XXXX $ not paid by the store. They added some late fees and asking to pay around XXXX $ to completely close the account. They also reported to the credit bureau and it already affected my credit history. I am getting atl east 5 calls from Citi everyday during my work hours and I am finding difficulty in connecting to the best buy store as most of the time, they place me in hold for a long time. Please help me in resolving this issue and correct my credit history.
Equifax is prohibiting me from accessing my credit report to submit a dispute. These accounts were removed and have been re-inserted on my credit report illegally : XXXX XXXX -- - # XXXX XXXX  XXXX XXXX -- - # XXXX XXXX XXXX -- - # XXXX XXXX/XXXX XXXX -- - # XXXX
On XX/XX/XXXX, my husband and I sent an investigation request to Equifax. My husband received his portion of the response weeks ago, but I have yet to receive my portion of the response.
After being unable to get any resolution with XXXX, I filed a dispute with my bank, Ally, regarding the charge on XX/XX/2018. I filled out and returned all paperwork requested immediately and the charge was reversed on my account. Out of nowhere, with no notice, three months later on XX/XX/XXXX the charge was reversed overdrawing my account. On top of receiving no notification via mail, email, or online in my account for this reversal ( again this is 3 months after dispute ), I was charged a {$25.00} overdraft fee on s {$5.00} check to the church which I obviously would not have written had I known my account was going to be negative from a dispute that I believed to be handled three months prior. After the bank reversed the credit I attempted to contact XXXX several times and upon no help from them filed a complaint to the XXXX, but XXXX says they cant do anything because theres a chargeback case with financial institution ( ally ) so they cant talk to me and bank needs to handle it. Very shady dispute practices to reverse credit with no warning and Ive still received no communication about it after 3 months and then charge me an overdraft fee on a {$5.00} check the same day you reversed the dispute with no warning.
After XXXX for Tenet Corporation for 15 years, I find this action appalling. I had XXXX unpaid medical bills that I was fighting with my insurance company about paying that I explained to them. I was never contacted by phone that I was being reported to the credit bureau. In the meantime, Central Financial XXXX reported me to the credit bureau for XXXX account 3 days before my home closing. I called and explained and spent 3 hours on the phone one day and another 2 hours another day trying to get it removed. This action has essentially ruined my life and these people did not seem to get it.
- I never sing any agreement with XXXX XXXX with a fake loan about {$45000.00} - I was approved for foebarence with XXXX until XX/XX/XXXX - My loan was about {$52000.00} since XX/XX/XXXX and I was paying about {$340.00} a month. - -- - My loan went down about {$40.00}, 000 in XX/XX/XXXX when I was aproved for foebarence with XXXX. 
- I was qualify for Obama Loan forgiveness after of more then 10 years of payment when I was working for XXXXhe City : XXXX XXXX XXXXXXXX XXXX XXXX however XXXX refuse it. I never have a payment plan when I will make the last payment of my loan. 
- I completed my Bankruptcy chapter XXXX - discharged Ref # : XXXX - Court : S BKPT CT XXXX.
I purchased a home XX/XX/XXXX. It went into foreclosure XX/XX/XXXX. The home was originally purchased with cities residential. The the loan was sold to homeward. The eventually ocwen. At one point I had all XXXX loans showing on my credit with out the " transferred '' note\status. Through multiple disputes with XXXX and allow time to take place, XXXX of the XXXX loans were removed. The only loan that remains is ocwen. Ocwen is still reporting I think this is incorrect because of the time/duration that has passed since the loan inception from when the property was purchased XX/XX/XXXX Or When the last payment was made XX/XX/XXXX or when ocwen took over which was XX/XX/XXXX. All of these durations exceed 7 years. Ocwen is reporting to Equifax correct information and even though I keep disputing and keep trying to resolve with ocwen. No progress is being made. My credit has dropped significantly in the last 60 days and I believe it is due to ocwen. Please help me. The home is already sold so the amount due is incorrect as well. The address to the property is XXXX XXXX XXXX XXXX PA
i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is XXXX and XXXX and me and my lawyer is thinking of filing a lawsuit for XXXX due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.
I have had continual issues with a company called Lending Club Corporation. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. They had sent me an email stating I was denied credit on XXXX/XXXX/15. I received that notification on XXXX/XXXX/15. I looked up this company to see if they were legitimate, XXXX stated they were and supposedly they have a A plus rating with the XXXX. However when I wrote to them to tell them that I did n't apply for any loan they stated that if I felt like I was a victim of fraud then I needed to file with the FTC which I did, file a police report which I did and do an affidavit so they could share only with the police dept. When speaking with the attorney generals office, they said they can understand not speaking to me, but their stalling tactics with speaking with the police department raise a red flag. They were mailed an affidavit with all the info they required including my license and a utility bill. The were faxed the affidavit which they supposedly ca n't find and they were emailed the affidavit where I forwarded it from what the police dept sent me to their consumer advocacy group that required it. They continually get my affidavit yet they claim they do n't see it yet they did get the officers police report as they called him to tell him they ca n't discuss anything until they get the affidavit. I 've sent it 3 times to the address above attention fraud dept. they have it via email. All they do is stall and play games saying they do n't have it when there 's proof they do. They seemingly do n't want to speak to the officer either by using these stalling tactics. If they 're Legitimate and are n't phishing for info themselves then why are n't they sharing who applied for a loan in my name? Need help getting them to talk to the XXXX mass police officer that did the fraud report up. Thank you.
Ditech has continued to apply my mortgage payments incorrectly on a monthly basis. When I reach out to them, they apologize and make sweeping changes to my balance. Often I wonder if these balances are correct because of how drastic they can be ( several hundred dollars month to month ). The latest fight I have to do is over late fees. The company maintains I paid my mortgage late, but they draft the payments out of my checking account bi-weekly. It is impossible for my payments to be late when they draft it out of my account. When I reported them to the Florida Attorney General, they sent all this paper work trying to justify they were correctly posting my payments on time. I maintain that until I requested a look into the account, they were n't posting my principal payments on time. I still believe that the company miss posts and later makes huge adjustments to my balances ( and I do n't believe my balances are currently correct ). They say they ca n't apply my principal paid via bi-weekly drafts until the full amount of principal is received, but even in a month where they receive three bi-weekly payments ( the second of which would fulfill my full principal requirement ), the company fails to post the principal until the end of the month, at least a week after receiving the full principal.
I have made efforts in getting rid of a collection account for the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX I reside in XXXX Hawaii XXXX since XX/XX/XXXX never been to hospital of out hawaii I have notified them that I believe that I am a victim of identity theft and was ask this debt collector provide me information about the debt amount {$3100.00} The company has failed to adequately provide me with documentation that the account actually belongs to me. I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims
I have contacted Experian several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.
Tax Liens have been disputed because of the inaccurate data not being provided for the liens, they were suppose to remove them but instead just {$0.00} them out.
My Homeowner Insurance Company mailed the check to repair my roof and ceilings to my Mortgage company Ocwen Loan Servicing LLC. The Check was mailed to me from Ocwen to endorse so they could send the funds to me so I could replace the roof on my home and repair my water damaged ceilings. Prior to me sending the check by XXXX I called Ocwen claims dept and was told to submit a letter stating I was requesting private repair to replace my roof and repair the ceilings. I have not received the check as of XXXX. 2017 I called Ocwen today and I was told by XXXX XXXX XXXX, with Ocwen Executive resolutions that since I was delinquent on my mortgage and Ocwen was processing my mortgage modification request Ocwen will not send me the Insurance check to repair my home and I would have to have a License Contractor for them to send the check for me to repair my home. I 've spoken with the persons whom I want to fix my house and they are ready to do the repairs. 
I feel Ocwen is discriminating against me, my neighbors also has Ocwen as their servicer and they had claims and they allowed them to pick who repaired there houses and they too were in processing with Ocwen for mortgage modification.
I called United Auto Credit attempting to make a partial payment in the amount of {$120.00} on my brother 's vehicle loan. United Auto Credit told me that they do n't accept partial payments. I asked the representative why they do n't accept partial payments and they said it was " policy. '' United Auto Credit apparently only accepts full payment or no payment at all. This is done to either collect the whole amount or add excessive fees and costs if one ca n't make the whole payment. United Auto Credit is engaging in unfair business practices by not accepting partial payments on accounts. United Auto Credit preys on people who have low credit scores and charges a high interest rate to those people in their loans. In addition, by not accepting partial payments United Auto Credit ensures that the interest amount that is added to the accounts stays higher than it would normally would if they accepted partial payments.
This company keeps calling advising if I do not call them today they will start legal action.. This company also called about 6 months ago advising they had filed legal action and we 're looking for an address to serve me and if I did not provide XXXX they would contact my employer. I saved. These messages. 

I have asked them for verification of the debt but they refuse to provide it to me. And advise they will proceed. I have checked the county records and there have been no filings against me in small or municipal court. Any debt owed exceeds 4 years and the status of limitations is XXXX.
On XX/XX/18, I saw a {$19.00} charge ( posted XX/XX/18, ref. # XXXX ) on my XXXX XXXX statement , listing TransUnion as merchant and listing toll-free no. XXXX. [ See attached detail in .pdf of credit charge from XXXX online acct. ] I called the no., but because it was a weekend, no reps. were available. I called XXXX and indicated it was an unauthorized charge, since I had not ordered or signed up for any paid service from TransUnion. ( In the last month, the only thing I did was visit TransUnion 's website to create an online acct./profile, to enable me to temporarily lift my longstanding credit freeze online at a future date, if necessary. ) XXXX credit card 's rep. promptly accepted my disputed-charge complaint and reversed TransUnion 's charge. Only the next day did I notice, when I saw my XXXX online acct., that the {$19.00} TransUnion charge was listed as " Recurring. '' Today ( XX/XX/18 ) at XXXX Pac. time, I called TransUnion 's toll-free no. and spoke with tel. rep. XXXX ( employer ID # XXXX, based in XXXX ). I told her about the unauthorized charge and she sounded as if she didn't believe me. I explained I'd registered as a user on TransUnion 's site a few weeks ago, but had not signed up for any paid services. 

I asked what documentation or other authorization TransUnion had on file to justify their charging me $ XXXXmo. XXXX tried to change the subject and said she couldn't find any credit card charge on their system -- even though I was looking at the charge from XXXX 's online access, and had already given her the ref. no. and posting date. She didn't answer my question about what authorization docs. would allow TransUnion to charge me on a monthly basis. 

Then she asked for my complete credit card information, and I told her I was uncomfortable giving her this info. She said she needed it to complete her 'investigation, ' but I declined. This sounds like a scam ( if it was not, in fact, TransUnion 's real tel. no. ), and if it was TransUnion 's no., then they are charging consumers without authorization -- she never told me what the {$19.00} mo. recurring charge was intended to cover.
i have a debt with resident collect that is a valid debt but wrong dollar amount. I have called over phone and they verify the correct amount but they are refusing to send report with the correct balance to XXXX and XXXX. Experian already has it updated because they called Resident Collect and received it verbally. A epresentative of Resident collect by the name of XXXX has been very rude and straight to point by indicating pay the updated amount and we will send info over to say debt is clear however when I ask why they will not send correct amount over he also stated that " he will not give me what I want until I send them what He wants ''. He knows that I am seeking employment and the company only verifies through XXXX. I have a letter from resident collect that I am enclosing that has Acct #, Creditor that appears on all my credit reports but the letter has the updated amount while my credit reports still have the wrong amount. This has been ongoing for XXXX months. I file a dispute with credit bureau and Resident Collect keeps closing it by saying the higher amount is correct. As you can see by the letter from collection company it was updated in XXXX. On XXXX XXXX I filed a dispute with XXXX and they ( Resident Collect ) denied it and then i did one again and it was denied.They are saying that they do not report it to credit agency but the agent clearly told me to pay it and he would update my report. I have asked for Supervisor 's and he advised me he was it. I asked for the email of XXXX XXXX who is President of company and they said they would not release it to me. I even spoke with XXXX XXXX who is the director of company and he said that he ca n't help me. He says it is up to the credit bureau to update and he sees that they have updated the information so if they havent updated report its own them. When the Credit Bureau is called they keep saying it was denied and I was even advised by XXXX that the collection agency can call it in over the appropriate phone # that they have and it will be corrected but again agency is throwing the ball in the Credit Bureau 's direction this was also told to me from XXXX s well about the phone #. I am enclosing the letter from Resident Collect as well as the letter on company letterhead from the Creditor stating the dollar amount has been changed. The debt is one I owe but the amount is incorrect.
My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XXXX of XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.
Bank of America has a preferred rewards program that I, XXXX XXXX XXXX am enrolled in. Bank of america has violated the terms and conditions of this program by not boosting my tier credit to the next level due to my qualifying account balances. I wish this to be investigated, as stated by the preferred rewards website, accounts must have qualifying combined balance for 3 months. My account has been maintained with an average of the qualifying amount for the previous three months. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Still no upgrade in rewards. Please have this reviewed.
Immediately after my Chapter XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from XXXX about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from XXXX who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began XX/XX/XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.
I notified American Express in writing that I discovered a fraudulent Amex credit card account reporting on my credit reports. I forwarded to Amex Fraud department police reports, identity theft affidavit, and my statement explaining what happened. A specialist at the Fraud department of American Express assured me that investigation was going to be conducted and I was going to receive documentation pertaining to the fraudulent account including a statement of charges, any forged contract documents to properly follow up on a dispute. American Express received my information on XXXX XXXX, 2016. To date, I have only received XXXX letter from American Express stating that investigation is in progress and I should receive the results very shortly. That letter was dated XXXX XXXX, 2016. I have called the fraud department several times requesting the promised documentation or any update on the investigation to no avail. 2 months and 10 days later, I have not received any documentation or communication from American Express about my dispute. If American Express had any documentation to verify the validity of the mentioned account, I am sure they would have forwarded it onto me. Amex needs to delete this account from my credit files.
I have master card credit card from bank of america I found transaction in my statement XXXX for XXXX XXXX MI. I did not made this transaction and i did not know any thing about this merchant. I made a claim to Bank of America after that they sent me a new credit card and remove this transaction. about one month later they called me and denied my claim. I tried to describe that I did not made this transaction but they did not gave me any attention. 
I called them again and reactivate the claim again. 
after one more month they did not change the decision
I contacted XXXX XXXX to report my credit cards again to Equifax after my cards had been deleted by Equifax. Equifax has now reported the credit cards but is saying the account history has been deleted, which in terms makes it seem as if this credit cards are new accounts. I have had these cards for over five years and I need my credit report to reflect the amount of time and history I have on these XXXX credit cards. Please make them correct this situation. I have not been able to resolve any issues I have had with Equifax. It is going on a month now. First they delete my cards, then I have to get my credit card company to make them report again and now they are reporting inaccurate information. Please make them place my history back on credit cards. I have attached the information I was sent from Equifax.