WillisBack/dataset-financial-user-claim huggingface dataset:
For approximately 1 month I have been receiving phone calls from a company called Convergent Outsourcing ( www.convergentusa.com ). They tell me they are trying to reach XXXX ( XXXX? ) XXXX. I have told them every time that I do not know XXXX XXXX, and that I have had this phone number for 2 1/2 years. Every time I have received a phone call from this company I have told them to take my number out of their system as it is clearly a wrong number, and every time they have told me that they will comply. However, I am still getting phone calls. The most recent time I requested to be taken out of the system was yesterday ( XXXX/XXXX/16 ). After I told the person on the phone to remove me from the system, I went onto their website and filled out a form to request for them to stop calling me. Apparently neither of those methods worked because they called me again today. I called them back and again told them to remove my number from their system.
I am being bullied and forced into foreclosure or bankruptcy by Chase.I qualify to assume my deceased mothers mortgage which I have paid on time since XXXX, but they will not modify the loan, even though I have been accepted into Chase Banks Assumption and Modification program. 
I need to use XXXX in equity out of the XXXX in equity existing in the property and extend the repayment. Without this modification its going to force me to bankruptcy or foreclosure even though as I said, I have the ability to repay my debts if they would modify the loan. 
Since XXXX I don't qualify for a mortgage anymore even though I am current, have a XXXX credit score and pay {$970.00} per month currently under my deceased moms name. That payment is based on XXXX, financed in her name in XXXX. 
Now I owe XXXX on a house worth as high as XXXX per their own value assessment. In reality its worth XXXX, that's XXXX in equity. I want to use XXXX XXXX of my own equity, add it to the XXXX owed, and make payments on XXXX for 30 years at 4 %, which is XXXX XXXX  monthly, plus my taxes etc. of XXXX XXXX  monthly, or {$970.00} per month, all creditors paid off, still their customer, raise my XXXXredit score and remove {$750.00} of MINIMUM payments per month now, the thing forcing me into bankruptcy/foreclosure. I can't afford the mortgage payment AND the minimum card payments, why can't I use my own equity to solve this problem and avoid bankruptcy! Its win win for XXXX XXXX!
I opened a checking account at Chase Bank in XXXX 2015. Since this time, I have filed claims disputing a total of XXXX claims, all of which tbe bank researched it and found my dispute to be valid and reversed the charges. A few weeks back, I called the bank to file a dispute for a {$39.00} cenf charge that was not authorized and they informed me they would need to cancel my debit card and issue a new XXXX, I agreed. However, they never processed the dispute for the charge. 
On Friday of last week, I had XXXX transactions that were processed without my consent, I called in the claim and asked them to include the {$39.00} charge they had neglected to process - a total of XXXX charges - I received a new debit card. 
That day I go to use my card and it was declined! I called the bank and they tell me they will be closing my account due to fraudulent activity and terminating my relationship and they have rejected my last claim with the XXXX unauthorized charges and that decision was final! 
So, they are closing my account after agreeing my disputes were valid and they rejected my claim for the final transctions because they are closing my account and the overdraft charges they charged me for the disputed transactions. They say I have no recourse since I will no longer be banking there!
The name of the collection agency is Portfolio Recovery Associates and the original creditor is XXXX. I made several contacts with this agency to get more information on the debt. I was told XXXX time that I owed the debt. I need more proof that I actually owe the debt.
XXXX   XXXX ,  XXXX  To Consumer Financial Protection Bureau : Complaint regarding  Southwest Credit  and  XXXX   XXXX   XXXX   XXXX  inappropriately reporting derogatory information on my credit file which at no fault of mine is adversely impacting my credit report and  credit score.      I called and cancelled  XXXX   XXXX   XXXX   XXXX  on approximately  XXXX   XXXX ,  XXXX . I directed them to send any refund or final bill to my new address which I clearly provided to them. They failed to do this and the subsequent statements continued to be mailed to my old address. Please note I paid my account on time the entire time I had service with them and I promptly returned their equipment.   Instead of calling me and/or emailing me ( they had both my phone number and email address ), they turned over a bill for {$96.00} to a collection agency.   When contacted by the agency, I provided my new address to them and asked them so send copies of the  XXXX   XXXX   XXXX  bill as it was never sent to me. Once I received the bill, I paid the balance.   I am appalled that due to the incompetence of  XXXX   XXXX   XXXX  not updating my address as I clearly instructed them to do, I am now wasting my time and others to resolve this issue. If they had handled my account correctly, I could have simply paid the bill. Despite their mistake, I am the one having my credit report impacted and having to spend my valuable time resolving. As I stated above, I paid my bill on time every month when I had service with  XXXX   XXXX   XXXX  and I have ZERO late payments on my credit report ( and never have ) except for this ridiculous entry.   Please have this entry removed immediately from my credit report and provide written confirmation that this has been done.
I purchased a money order to pay for my employment authorization form. I was not asked for identification at the time. The money order was returned to me by  Homeland Security since the amount was not needed. I returned to cash the mone y order and I was told to provide a valid identification or else it can not be refunded to me. I just applied for   XXXX   XXXX   and I am a student at  XXXX   XXXX   XXXX   XXXX   XXXX . I came to t he USA o n  XXXX   XXXX . I provided my passport along with my receipt for adjustment of status and my student Identification card but they would not accept it. They still have my money. Kindly do what you can to help me get my money back. Attached are documents relevant to this complaint. The money order, my student ID, and my receipt for adjustment of status as well as my passport. Please let me know if you need anything further.
Company called family members disclosing information about debt and threats of consequences. AMEX should NOT be calling my parents at all at this point! Normally they are only allowed to contact a XXXX party XXXX time and only to obtain current contact information and not to discuss ANY details of the debt and certainly not to collect it from anyone other than the account holder. Calling repeatedly is technically illegal and very much against FTC guidelines according to the FDCPA ( Fair Debt Collection Practices Act. )
I made a purchase on a XXXX store card on XXXX/XXXX/XXXX and was offered a promotion where the interest was deferred for 18 months. Since I had e-delivery and all my communication was electronic, I missed the deadline XXXX/XXXX/XXXX for the promotion. The bank ended up charging over {$1300.00} in interest. I called the bank and offered to pay the account in full on XXXX/XXXX/XXXX but was told they will not waive the interest since it had been over the 30 day grace period aloud to make adjustments to interest. It had been 56 days by that point. I acknowledged my mistake and admitted it was an oversight on my part and to maintain a good relationship with the bank, I need them to understand that everyone makes mistakes. My balance as of XXXX/XXXX/XXXX was approximately {$1200.00} and I was charged the promotional interest in the amount of {$1300.00} which is more than my balance. Obviously I would have paid off the balance since it was more than the interest, it only makes sense.
I successfully completed a loan modification on XXXX XXXX XXXX after making 3 months of on-time " trial '' payments from XXXX XXXX XXXX XXXX, XXXX and continued making on-time mortgage payments to date. Unfortunately after reviewing my credit report in XXXX XXXX, I called the loan servicing company ( XXXX XXXX ) and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortgage Billing Statement ( attached ) dated XXXX/XXXX/XXXX which reflects a past due amount of {$14000.00}! I signed and returned the executed Loan modification agreement XXXX on XXXX XXXX, XXXX and it was not completed until XXXX XXXX I received the executed copy of the Modification in XXXX XXXX, which was dated XXXX/XXXX/XXXX, which is obviously incorrect. ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender ( XXXX XXXX XXXX ) and XXXX when they were due since XXXX XXXX, XXXX and the previous past due balance was added to my principal, along with $ XXXX in fees. Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from XXXX/XXXX/XXXX would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did. After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month, XXXX XXXX. All payments from XXXX XXXX to present should reflect " on-time '' and be in good standing for that point forward. They have failed to report correct information or rectify the situation from XXXX to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affected my credit score. Any assistance you can provide would be very much appreciated!
In XXXX of XXXX I made an application with Integrity First Financial Group for a non-credit qualifying FHA Streamline Refinance of my primary residence. On XXXX XXXX, XXXX I received an email that was sent unsecured and unencrypted from the lender with all of associated loan documents that included non public personal information such as my Social Security number and birthdate in a pdf format attachment. 
Upon receipt of the unsecured email I contacted the loan originator that took my application and advised of the breach of security and the potential compromise of my personal data as a result of the unsecured email that was sent. On XXXX XXXX I received yet another unsecured from the lender that also contained my personal non-public information. I placed a second complaint to the lender of the potential compromise of my personal information. I eventually withdrew my application as result of excessive fees the lender was charging. 
Skip ahead to XXXX XXXX, XXXX : As a customary practice for at least the last 16 years I prepared my income tax returns utilizing XXXX software. I filed my taxes electronically on XXXX XXXX of XXXX. Upon filing my XXXX XXXX 's I discovered that the electronic tax returns were rejected by the IRS for the following reason : XXXX Taxpayer TIN in the Return Header must not be the same as s TIN of a previously accepted electronic return for the return type and tax period indicated in the tax return. I contacted the IRS to get details on why my tax returns were being rejected, this is when I found out that my tax returns were fraudulently filed by a third party. In meeting with the IRS it was determined that the possible source of the data breach was a direct result of my non public personal information sent via an unsecured and unencrypted email
I disputed the account with XXXX XXXX Acct # XXXX XXXX with XXXX, Equifax and XXXX XXXX conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.
Arc Management Group filed for collections on an account and or service that was not me or mine in the amount of $XXXX. When I found out about it years ago I called them and the credit reporting agencies to have this false debt removed. The credit reporting agencies refused to remove the erroneous debt basically stating that it was my debt till I could prove that it wasn't. Arc Management agreed to remove the inaccurate posting and it came off 2 of the credit reports but remained on XXXX. I contacted XXXX XXXX
We are still working on this! They want so much paper work Trying to do all we can to save our home, We have son with a serious drug problem that has us in and out Courts hospitals rehabs its been non stop we do lose work time and insurance does not cover a lot of this care when you become XXXX!! Its been very hectic with his XXXX XXXX. sorry for venting but I need too sorry. XXXX XXXX.
The debt collector calls everyday repetitively all day on a debt that I do not recall. The amount they are requesting is XXXX from a XXXX and XXXXfrom payday XX/XX/2009. 
# XXXX Fax # National Credit Adjusters Contact # XXXX
The address : XXXX, Fl XXXX I have never lived at, visited or otherwise have any knowledge of This address except to say we heard that our account was in fact hacked from XXXX And they attempted to have all new credit, cards in my name delivered to this address. Some time ago..
My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2017. This fee was a direct result of their teller-line representatives misapplying a payment on the wrong account. <P/>In working ( via phone ) with my local Wells Fargo Banker at the XXXX XXXX location in XXXX XXXX Wisconsin on XX/XX/XXXX they asked me to physically bring in my deposit slip as supporting documentation to correct and reverse the fee. In doing so, on XX/XX/XXXX, the representative I was working with added additional requirements and steps to correct the issue such as returning to the original branch to reverse the original transaction, obtaining a debit slip from the checking account from which the loan was paid, then return to the XXXX XXXX location to complete the process which would take approximately two weeks. <P/>Unfortunately, this is n't the first time I 've had a payment misapplied on this specific loan. In the past, this was resolved on the spot, without issue. But I have yet to see any resolution or attempt to correct this issue.
I had a Capital One XXXX business card from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. During the year that this account was open, I have always paid the credit card off in full without missing a single payment. 

On XXXX/XXXX/XXXX I called Capital One to close down my account in full because I no longer needed a small business card due to the fact that I had accepted a full time job with another company. The conversations I had with the Capital One representative lead me to believe that the card had been paid off in full and that the account would be fully closed. 

I learned on XXXX/XXXX/XXXX that pending charges that had been associated with the closed account had not been paid. I was told by a credit bureau that I was 90 days delinquent in paying these charges. I promptly tried to pay off my account in full on XXXX/XXXX/XXXX. It would take until XXXX/XXXX/XXXX to get my account fully paid and closed. 

From XXXX/XXXX/XXXX until the account was verified closed on XXXX/XXXX/XXXX. I never received any correspondence relating to a bill, an outstanding balance, a delinquent account, etc. No emails, no phone calls, no letters sent to my home address. 

I was told by Capital One that I didnt receive any notifications relating to my outstanding balance because I had opted into Wireless Billing. I was surprised to learn that fulling closing an account does not also terminate your wireless billing agreement. 

I asked Capital One why I didnt receive any emails corresponding to this outstanding balance because I was in frequent contact with them through email before the incident. They explained that emails were nothing more than a courtesy and that they probably stopped emailing me because I closed the account. 

Thus. I feel like my credit score was adversely affected because Capital One failed to adequately notify me that something was wrong with my closed account. I understand that I am responsible for all charges made on a credit card but this situation is crazy. I feel like Im the victim of some random companies obscure online policies that is now affecting my ability to obtain a house. Etc. 

This event has forever changed the way I deal with a credit card company. I will now call them multiple times to verify and re-verify that payments have been settled and no debts are do.
Ditech Financial sent me a bill which I disputed. I requested verification in writing. Ditech could not verify the debt. 
Ditech has made false statements to credit reporting companies. Payment dates are given that are false in an attempt to prevent negative information from aging off my credit report. 
Ditech continues to contact me in writing despite my specific instruction not to after debt verification.
I am XXXX and I feel that I am being mistreated possibly based on those facts. An UNAUTHORIZED deposit by an UNKNOWN source was attempted to be deposited was made on my account when I became aware I contacted the bank and informed them of this unauthorized activity and I was told That I have protections in place in that my accounts would not suffer any freezes or accounts closures In that my account was in good standing While I initiated a investigation with the correct department on the situation, suddenly and without notification within hours my account had been frozen my card had been deactivated and my personal funds were frozen in the account that had nothing to do with the said Unauthorized transaction. In response to this a senior representative opened a new account with a new card and new online access to set up direct deposit and bill pay and transfer my funds to my newly created uncompromised Account so that I could rest assured that no further unauthorized activity would occur. since this closure I have been belittled, threatened and intimidated by this small back office called account closure and have made numerous complaints about these tactics they have utilized saying things like " they are XXXX and I am beneath them and there is no one to pray to for help '' promising to make sure that criminal charges are filed and that I will never in the future have an active account anywhere else and that my business was not and never was wanted. They even went as far as to say they have made a decision before any facts of the investigation have come to exonerate me as a vigilant consumer whose only falt was to report suspicious activity as is outlined by the terms and conditions that I had signed with Bank Of America ... Numerous senior representatives were shocked and flabbergasted as well as disappointed in this behavior and offered any assistance they could after seeing that I was transferred to 15 different people in the same day in the same department and suggested that I take this route to make sure my standing with this institution is redeemed and my banking future is secured
My account was hacked due to Equifax & XXXX breach the accounts that were in my XXXX   reappeared delay payment the accounts were all deleted and then reappeared I was not notified by Equifax in five days that they were going to re-put what they had taken off back
There was a hard inquiry from XXXX XXXX XXXX XXXX, KY XXXX XXXX on XX/XX/2017. I did not authorize this.
XXXX2018 was denied an apartment on background stating court action against me in regards to 2 homes I was renting. records should show acknowledgement, missing was I factually Had Lease that should of been legally honored and presented.by myself and attorneys handeling the cases.It does not show evictions or any fees owed.my sons also had backgrounds done and paid for showing no issues on the paperwork we saw but were also denied.
I reported fraudulent activity to Amex on my prepaid card which they assured me they would thoroughly investigate and would send me a new card. Less than 24 hours later I got a notice by email that the dispute was determined to be a valid charge and that I had violated the member terms and conditions so they were suspending my account.
The Family Support Service Department has put a negative remark on my credit on XX/XX/2018 saying I previously owed money to them because my childs father decided to go to the County and sign up to receive benefits. I have spoken with their department and they have actually told me that they should have never reported that to my credit because it was a mistake. Now this has caused me a great inconvenience with new ventures I am trying to pursue and I need this removed immediately from my credit since it was their mistake.
I submitted a request along with proper documents and information to Transunion to correct my personal information on file on  XXXX   XXXX ,  2017 . I recently received copy of statement for my credit report which confirms this information has not been updated. I contacted Transunion and spoke with a representative who stated that he could not correct this information but in fact I would have to contact all my creditors and have them to update this info  rmation when they are reporting me. As stated previous the documents that were submitted included my updated SSN information and an updated driver license to confirm my name change. My personal information is currently inaccurate and I would like to have this corrected.
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Thank You
I've spoken with numerous reps from the company and they are not accurately documenting that i request no further calls or accurately documenting my account. I've spoke with XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. I've made settlement offers which the refuse to accept even though i'm disputing the account but they still want to collect on the undisputed portion and have no way to validate the current balance. At least during 2 of my conversations, one being in XX/XX/XXXX, I requested no more calls but was told at that time that the company does not honor verbal cease and desist request. I received another call on XX/XX/XXXX, spoke with XXXX, XXXX, and XXXX who confirmed that the company DOES IN FACT accept verbal cease and desist request but claimed that none of my previous conversations indicated that i requested that the company stop calling me but XXXX assured me this would now be documented. I've been given false and misleading information about the companies procedures numerous times and at this point i feel that their communication is abusive and i'm being harassed over such a small debt.
I have an Amazon Store Card through Synchrony Bank. I am a recent XXXX who took the XXXX in XX/XX/XXXX. Due to a overlap, I lost track of the time of the month and missed my payment. I have missed no other payments and have always been current. Resultantly, Synchrony Bank doubled my monthly payment, which I now can not afford. I am currently unemployed, being a recent student. I called Synchrony in an attempt to resolve this and was met with nothing but hostility and outright rudeness. I was told that my only option is to allow my account to lapse and write a mailing address that will take at least 30 days to process my request, at which point my account will be even further lapsed. They will offer no leniency and no meaningful solution. They will give me no details as to what options will be provided to me once I write to this address ( and seem to suggest that no relief will be provided ). All I asked for was flexibility, to allow me to pay my normal monthly rate and I was borderline mocked by their representatives. They have put me in a position where I have no choice but to fall further in debt and accumulate more late fees and interest.