WillisBack/dataset-financial-user-claim huggingface dataset:
pulled a copy of my credit report on XX/XX/2018. Upon Review of my report, I saw that Equifax is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of {$220.00} that I do not owe. I sent a letter to Equifax on XX/XX/2018 stating this this is being reported in error and asked for validation of this account. I received a copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/2018 asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to and I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/2018 and I received the same response. No proof, just a letter that stated as verified accurate. Despite three written requests, the unverified item listed above still remains on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal right under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified
Ditech did not address my complaint.

- Ditech did not accommodate the mandatory hurricane relief for victims of Hurricane Irma, even upon my phone request.

Complaint ID XXXX - Ditech made an unprecedented payment on my behalf, without my authorization or request, to an insurance company and has not refunded the payment and is charging interest on the payment account.

- Ditech sent loan modification documentation offering 3 options to which I was supposed to apply if interested. On 3 occasions I called and stated I was not interested, and had even expressed I did not want the modification prior to them sending me the information, and they enrolled me in the new program anyway, and have not settled the extra expenses I incurred due to their negligence.

- Ditech did not apply the payments I made to my account, and instead has held funds while allowing interest and fees to accumulate on my account.
I called the phone number as listed on the credit report via Equifax for XXXX XXXX XXXX. After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date Maj.

Del. 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
I borrowed {$30000.00} from my mother ( who borrowed from her investments ) to pay off my student loan and a consolidation loan. I accidentally sent the money to my daughter 's student loan on XX/XX/XXXX, which cleared on XX/XX/XXXX ( all XX/XX/2018 dates ). I called Wells Fargo claims department@XXXX and the claims dept. called my daughter 's student loan agency explaining what happened. The student loan agency told us that it could take anywhere from 30-45 days for the money to be returned. To be clear, the amount we are discussing is {$19000.00}. On XX/XX/XXXX, I decided to call the student loan company just to see where they were on processing this refund and they stated my daughter 's student loan is showing a balance due, so this was refunded. I called Wells Fargo claims dept. same day and was told that they have had the money since XX/XX/XXXX and she could not tell me why the money had not been deposited into my account. I called again on XX/XX/XXXX and spoke with XXXX ( Supervisor ) and he stated that he could not see why they had not returned the funds to me, but would have the money back into my account the same day. It is XX/XX/XXXX and I still do not have a credit of {$19000.00}. I am currently contracted to pay my mom {$500.00} every 2 weeks, which I have been doing, and my student loan is still outstanding and earning interest while Wells Fargo holds onto my money.
On XX/XX/2018 " XXXX XXXX XXXX  '' ran my credit using a hard inquiry. 
Someone has been using my social security number and identification to apply for credit that I did not authorize or know about. I did not apply for anything on this date for this company. 

On XX/XX/2018 Equifax customer service told me that they could not and would not file a dispute for this hard inquiry that I did not authorize. And that I would need to have " XXXX XXXX XXXX '' contact Equifax directly and instruct the company to remove this hard inquiry from my credit report.
I have filed disputes with Equifax since XX/XX/2017 and I have spoken to several people at the Consumer Affairs Office who state that they were going to delete and remove these fraudulent accounts from my credit report. I have talked to XXXX as well Mrs. XXXX at Equifax office who promised to remove to remove these accounts immediately. 

The following accounts are fraudulent and need to be removed immediately : 1. XXXX XXXX XXXX   2. XXXX 3. XXXX XXXX XXXX  XXXX  4. XXXX XXXX
Experian Report # XXXX Date XX/XX/18 Experian stated that XXXX XXXX XXXX XXXX is a mail drop or delivery service etc. 
Experian also states it as a non residential Address and perceived as a high risk. 

Experian has error after error and did not justify or provide any proof of this not being an address. 
I have provided proof from XXXX web site as insurance policy I had on my car insurance stating this address as well. 

Experian has the habit of just making up words on complaints with no proof or documentation. 

XXXX at XXXX XXXX XXXX XXXX Nevada XXXX XXXX office # XXXX
I obtained a Best Buy Credit Card administered by Citibank. I signed up for paperless billing. I have faithfully made the payments on time. For the XX/XX/XXXX statement I submitted payment and it was posted by Citibank on XX/XX/XXXX in the amount of {$110.00} which exceeded the minimum payment. It was received and posted by Citibank prior to the XX/XX/XXXX payment due date. I proceeded to get multiple past due notices, dunning phone calls and in the end a past due charge. When I contacted the company, their position was that my payment was too prompt so it was not applied to my XX/XX/XXXX statement. This is not a late fee, it is an early fee. None of the customer service representatives were able to correct this issue.
I was given a loan of {$650.00} and was told the finance charge was {$220.00}, i was not told that this was a charge i would be receiving every 2 weeks for over a year. I was not told that my finance rate was 800 % and when i was not given any time to look over my documents before making a decision.
Call from XXXX Linebarger, Goggan, Blair & Sampson, LLP stating that my mother owed {$130.00} in tolls in the XXXX area. My XXXX year old mother has been in XXXX for the past 2 years and has not driven for several years. Also, she has never been to XXXX.
I was deliberately deceived and steered into using private loans with astronomically high interest rates. I was also steered away from consolidation plans and generally misinformed in order to keep me in an uphill battle against high interest rates on the loans. There are essentially no options made available to decrease my monthly payments or lower my interest rates. With a child on the way, I have no choice but to be subjected to these loans that are near impossible to pay back due to lack of flexibility and options.
I am a single mother of XXXX children, originally my loans were from Sallie mai but navient took them over and I have had alot of financial hardship. I was told to keep applying for deferments and then forbearance, then told I have exceeded my limits. My pmts keep jumping up and being reported to my credit, lowering my credit score. Then finally they allowed me to consolidate my loans after now owing alot more then I borrowed. Now I'm on a XXXX repayment income plan but my payments still keep jumping up and are still getting reported to my credit causing it to still go lower. I'm not sure what to do, I feel like I'm going to be going backwards and backwards with them and they are doing nothing to help.
I made a payment of {$50.00} on my Best Buy credit card in store, in my local Best Buy. Citigroup/Citibank manages the account and is the creditor in said account. However, this payment does n't show on my payment history and only {$8.00} of {$50.00} was applied to my balance. The card to my knowledge is 0 % apr for the first year as long as the balance is paid in full, however my balance has inflated significantly. The payment was made at the XXXX XXXX store XX/XX/XXXX.
I 'VE HAD CALLED XXXX ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS
I opened an account with US Bank on XX/XX/XXXX. The account was abruptly closed by the bank, without notice, sometime between XX/XX/XXXX and XX/XX/XXXX. 

I was provided with no notice of the bank 's actions in a timely manner, and had to call the bank in order to receive an explanation. The explanation I was given was a reference to a clause in the banking agreement that stated that the bank could " close the account for any reason, or no reason at all. '' I find it abhorrent that a bank can take such a decision, without providing notice to a customer. I had already set up a direct deposit with my employer, who was going to make a payment in the next week. Had I had not been alerted to the account 's closure by my own enquiries, this could have caused a problem with my pay, affecting my ability to service bills and debts. 

The bank should reflect on its procedures and not subject customers, acting in good faith by depositing money with the institution, to this kind of treatment that can have damaging effects. In my case, I was a proactive customer who was minimally impacted but the bank and the regulators should be concerned by the potential damaging effects that this kind of bank behavior can have on its customers.
My ex and I submitted all of the documentation required under HAMP and Wells Fargo guidelines to Wells to be considered for a loan modification. My ex no longer occupies the property as his primary residence, though I do. When I initially reached out to Wells Fargo for help, the dedicated loan specialist assigned my case ( XXXX XXXX ), advised me that we did not need to include XXXX whole income since he does not occupy the property. 

Today, I recorded the conversation between XXXX XXXX, XXXX and myself, and recorded him recanting his original advice and then affirming that the only reason that they used his income was to reach the 31 % required for the DTI. 

Mind you, my income is 20 % of the total gross monthly income used by Wells to calculate the DTI. To assume that XXXX should be liable for more than 50 % of the mortgage payment is unfair and unreasonable. And to top it off, the SPOC advised in prior conversations that not all of the income needed to be used. 

Additionally, the interest rate was lowered to 7.125 % when the HAMP floor is 2 %. I am not sure I understand why Wells insists on gouging its customers through higher interest rates when the guidelines specifically allow for the interest rate to be much lower. They also did not extend the term to XXXX years, which guidelines also allow. They kept us at our current amortization cycle. 

It would seem that Wells would rather just take my home than attempt to work with me in a reasonable fashion to resolve the delinquency.
Someone by the name of " XXXX XXXX '' with Critical Resolutions calls me repeatedly including calling me from different numbers. Today he called my roomate stating I provided her contact information as a point of contact he disclosed that a case was filed against me. She asked me how they had her number. I would give my family member 's contact information before I give my roomate 's information as a point of contact.
I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago.
AFTER LOOKING AT MY CREDIT REPORT I NOTICED A BANKRUPTCY THAT WAS PUT ON MY CREDIT REPORT IN ERROR. I DISPUTED IT. 

EQUIFAX STATED THAT THEY VERIFIED IT ON FED XX/XX/XXXX THIS NOT CORRECT. I OPTED OUT OF XXXX XXXX XXXX ON XX/XX/XXXX. THEY HAVE ERRONEOUS INFORMATION ON MY CREDIT REPORT.
I recieved a call stating that I had won XXXX XXXX XXXX XXXX dollars, from publisher clearing house. I needed to go right then an send money for the taxes, {$1000.00}, then it would be you need to pay {$1500.00} for storage, it kept on for 2 months before I was pawning everything, about to lose everything, owe everyone because I thought it was true, an they believed in me an then when I could n't give their money back, one wanted to serve papers on me, so now I have checks bouncing, so I get her part of her money. I ended up giving them XXXX dollars, i asked for a refund but that is not going to, happen.
While receiving payments via Venmo and Paypal, it is not clear that the funds stay with those services until I manually log in and request that the money be transferred to my checking account. In both cases, the money rests with them and does not collect any interest.
Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of Zenco Collects ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a XXXX credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the XXXX XXXX indicated on their website. I see the letter was not picked up and is being returned now. I sent XXXX more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a XXXX-only to their street address and XXXX XXXX-only to the XXXX XXXX address. I informed them in the letter that all my debts were discharged by XXXX XXXX bankruptcy in XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.
I was called on my cell number by Capital Accounts and they did not verify my identity, simply asked if I was by my first name and then when I said yes told me they were collecting a debt. I told them not to call me on any phone and they told me they would keep calling me until I requested a cease in writing. They then called me at my workplace and I told them to stop calling me and once again they refused and once again they failed to properly identify me before talking to me about debts. They then called me at my workplace again, which is a clear violation of my rights. I told them I disputed the debt and they refused to take the dispute verbally and also did not verify who I was before speaking of the debt yet again. They are harassing me for no reason and have violated my rights on multiple occasions.
I have been communicating with XXXX since last year. The last letter I sent last XX/XX/XXXX, requesting debt validation. XXXX responded last XX/XX/XXXX. The burden of proof is on XXXX and not mine. Why are they asking me to send them proof? The amount that they are showing in the statement they sent, I have no idea where it came from. I don't think this is correct.
i have asked them several times not to cal me they call me several times a day even during inappropriate times of the day
Subject : XXXX - XXXX XXXX XXXX - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.
I have been paying  Navient ar  ound 450 every mont h or every other month due to financial struggles. They put me on a payment that is way to much for me saying that this was a t  XXXX  so it co uld n't get lower. I struggle and received help from family members to make payments only to later find out I was n't paying on my loans just the interest. I too  k 4 pri  vate loans out to finish college not knowing at the time what I was even doing. I been trying to just get a reasonable monthly payment but they insist I ca n't pay less th an the 500 something. I struggled to pay this amount for a few years and no long er could afford to do it I let my loan go into default last month and now they are saying they can get me a lower payment a t   XXXX   if   I  make a deposit of  XXXX  first. I was totally outrage because I struggled for years to get that when I could of had a better option that would of actually paid on my loans and not just my interest. I need to know asap what should I do because I have unt il  XX/XX/XXXX  to make the payment or they will try to take le gal action on me. They are currently being sued because of these type of treatments to there customers so I am lost on whether to pay this amount or let actions happen. I know this lawsuit can take years to play out so what should I do?
On XXXX XXXX my husband XXXX XXXX received information that our house was set for auction on XXXX XXXX 2016 if we did not pay the past due balance. Her contacted our mortgage company RoundPoint Mortgage and was told to pay XXXX by XXXX XXXX to stop foreclosure. We issued and mail a cashier check and overnighted it to the company in the amount of XXXX they received the check on XXXX XXXX @ XXXX. the cashier check was returned to us on XXXX XXXX. post marked XXXX XXXX saying it was n't enough money. He called the company on XXXX and they apologized and could n't give us any explanation as to why the check was returned and told us to wire them the funds due to time restraint! I wired the funds yesterday at XXXX my husband called today and XXXX said that he was manually entering the funds to our account to call him back within the hour! My husband called and they said it was n't enough funds that we need XXXX then went to XXXX! XXXX would n't speak with my husband, my husband asked for a supervisor and was placed on hold for 15mins and then they told him that the supervisor would have to call him back! I have never in my life dealt with a company like this!
PHH Mortgage paid the wrong amount for our flood Insurance. The difference in the cost was $ XXXX year. The first time I called the representative lied to me about them getting the same copy of the bill as I got. My insurance provider told me that, " No they got a copy of the same bill. '' After a few phone calls PHH paid the {$17.00}. The {$17.00} was for {$7800.00} in more coverage. Because their paper work is always behind they sent me a bill to make up the {$7800.00} difference with another insurance company called XXXX XXXX XXXX XXXX. Their rate for the {$7800.00} was {$70.00} per year. That is almost 4 times what should have been paid. I found an article on your website dated XXXX 2014 about them getting Kickbacks on Mortgage Insurance. I am concerned that they may be now trying to make money off of Flood Insurance. 
Their Book Keeping is terrible. Their corespondence is also terrible. Their letters have dates that are 5 to 8 days earlier than the post mark date on the envelop. So where did the letter sit for all of those days? Are they making money off their innepness? 
They will only take mortgage payment electronically. Every other payment has to be sent by mail. Then the posting date is again a day or two later. It seems that one department does n't communicate with the others very well. I have been passed from one department to another during a single phone call. Then they argue with the information I got from the other department. They seem to lag behind each other with current information. All this seems to me like they are purposely slow to make a profit off of their customers!
Do not have an contract/agreement with Virtuoso Sourcing to pay a XXXX dollars collection. Never received information about this debt.
After several phone calls and letters, requesting that they correct my address so I Can receive my free credit report with no success. I get the same run away. I have sent Mail Copies of Dl, power bill, SS card, cancel check. And still same thing ask me to send more. XXXX rep said there was no zip code on my power bill. Which you can Clearly see on the copy. Address and zip name ect ect
My XXXX year old son visited XXXX in XXXX, IL. At his 10 minute XXXX it was determined that they could not help him and told him to go someplace else. No mention of any charge was made and no co-payment was collected. He left thinking that it was the end of it, but a year and a half later, I received a bill from a collection agency for {$310.00}. During this time I had not received a itemized bill or any communication from them. He has not received an itemized bill or any communication from them. When I called to complain to Certified Services , Inc . I was told that they do n't have to bill you and they can turn you into collection the minute you walk out the door, if they want to. 
And, they can turn you into collections up to 6 yrs later if they feel like it. 
I do n't feel that it is good business practice to turn someone into collection, a year and a half later after absolutely no billing or communication whatsoever. I even question whether this is legal.
I have had several checking and savings accounts at various banks in the area I live. Each time I open an account, everything is okay, if/when I decide to close my accounts because of various charges, I am charged an arm and a leg to close or even to be billed!