WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies XX/XX/1999 and have not removed it from my credit report.
XXXX and equefax have three issues each.XXXX,XXXX,and XXXX XXXX...report should read removed.
On XX/XX/XXXX I called Freedom Mortgage Company to make sure my loan payment had not changed due to receiving a renewal from my homeowner insurance company. Upon listening to the recording it stated that my XX/XX/XXXX payment was due. That was incorrect because I had paid my payment on XX/XX/XXXX through my bank online bill pay. My account showed the amount was delivered to Freedom Mortgage on XX/XX/XXXX. I spoke with the rep for Freedom Mortgage who stated they did not receive the payment. I called my bank XXXX XXXX XXXX XXXX ( XXXX )  who stated the payment was electronically processed and they should have received the payment. XXXX provided the tracking numbers to Freedom Mortgage. I was told that I would hear something back from Freedom Mortgage on XX/XX/XXXX but I did not hear from them. I call them around XXXX on XX/XX/XXXX  and the recording stated that I owed for XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a rep and was told that I did a stop payment on a check on XX/XX/XXXX. Which I did not do. Freedom Mortgage took my XX/XX/XXXX XX/XX/XXXXand applied to a check # XXXX in the amount of XXXX dated XX/XX/XXXX which was lost in the mail. I was advised by the local post office and Freedom Mortgage to wait before I placed a stop payment on the check due to the bad weather in Ohio in XX/XX/XXXX. On XX/XX/XXXX I put a stop payment on the check. I spoke with a rep on XX/XX/XXXX to bring my account up-to-date so I could receive my escrow check. I specifically asked the rep on XX/XX/XXXX if they had ever received check # XXXX and he stated no but the check was sent to my bank on XX/XX/XXXX and was rejected because of the stop payment. No one can at Freedom Mortgage can tell me where the check has been for a year.. My payment on XX/XX/XXXX was {$2400.00} and that payment was delivered to Freedom Mortgage on XX/XX/XXXX which brought my account up-to-date. I received my escrow check shortly after that date. I would not have received the escrow check if my account was not up-to-date. I have paid all my payments on time since bringing the account up-to-date. Now Freedom Mortgage took my XX/XX/XXXX payment and applied to the check # XXXX   dated XX/XX/XXXX that had the stop payment on it. Now they are saying I owe for XX/XX/XXXX and XX/XX/XXXX as well. No one is returning my phone calls and whenever I speak with someone they are telling me something different each time.
I was given a loan modification under MAKING HOMES AFFORDABLE. I was to receive XXXX incentive pay for successful payment under this program to my loan. I was told I was going to receive this on the anniversary of the 6th year. I have NEVER received this. I am on the seventh year. 

I do not receive any mortgage statements. I want my XXXX pay for success incentive to be applied towards my principal balance. I have called and was first told it was to be applied XX/XX/2018. It is now XX/XX/2018 and nothing. I have been on the phone for 20 minutes with XXXX XXXX who knows nothing and is printing my modification papers. 
Like that will help. She sees that the incentive has not been applied, so what will wasting our time do.
Sent a {$10000.00} check to Caliber Home Loans on XX/X/2016 and wrote on it " Apply to Principal ''. Never the less, they did not and according to my mortgage broker Caliber owes me approx {$5300.00}.
Ally is reporting to XXXX, XXXX, and XXXX that the closed date of my account is in XX/XX/XXXX. the charge off date was in XX/XX/XXXX. The charged off account is paid. Ally continues to provide false, and misleading information to XXXX, XXXX, and XXXX regarding my account with them. I agreed to pay the disputed amount and expected accurate credit reporting.
I have never gave legal consent to XXXX XXXX XXXX to run my credit an their for causing an inquiry and a negative impact on my credit report and fico score.
I got a voicemail from a woman named XXXX XXXX saying I would have to appear in court with a case number, and if I wanted to contact the filing party. I called the filing party, but the man, in a completely different state named XXXX XXXX of the XXXX XXXX XXXX had no clue what I was talking about, but would not give me the name and address of his company unless I presented my " case number ''. Fearing this was a false debt collector especially due to the voicemail, I hung up without giving him any information.
In Early XX/XX/XXXX, I submitted a dispute to all three credit bureau XXXX, Equifax and XX/XX/XXXX. I wrote a physically letter to XX/XX/XXXX and XXXX but made an online dispute with Equifax. After the 30 days or less XXXX and XXXX deleted my dispute. However, when I tried to view my results from Equifax I couldn't view them. I was instructed to call the customer service number. When I called I asked what my results where. She read that I upon further investigation, the results where that the debt is yours. I told her out of the options that were available on the online form, I went on to explained that I added that the information of responsibility isn't correct. That it says " joint " and not individual. The rep didn't seem to understand what I was saying, there seem to be a language comprehension barrier as she definitely wasn't from the United States. I started to get frustrated because she didn't understand that this didn't answer my dispute at all. I requested a supervisor. I retold the supervisor my story, and asked her point blank, if my debt had been deleted or not she not only said yes once but twice. However, on another website about a week later, I found out that this was not true to much of my chagrin. I then called them back and explained everything again, this agent said she would mail me everything to see the results and told me she is going to submit a re-investigation. This was done at XX/XX/XXXX. Today, is XX/XX/XXXX I have yet to receive any paper mail confirmation of my re-investigation or any communication. I have emailed a complaint to them today as well. XXXX  and XXXX felt my information and case were valid enough for a deletion. But, Equifax failed to even clearly identify my issue and didn't even look into my evidence I provided. The need to investigate not only my complaint but my dispute thoroughly.
I did a zero percent promotional balance transfer in XXXX 2015. I always refer to my monthly statements to keep aware of the XXXX percent expiration date, my goal is always to pay off the balance before I accrue and pay any interest. My on-line credit card statement does not show the zero expiration date.
I am a consumer! I am a working consumer! My husband and I were desperate to obtain a loan for a car in XX/XX/XXXX... we really needed a car. XXXX XXXX XXXX had all the paperwork ready when we arrived at the dealership and failed to tell us that we were signing for a daily simple interest loan. Santander has picked up the loan and I 've explained to them several times that this loan is a UDAAP issue. It 's unfair, deceptive, and abusive to us. We have paid 43 payments on this loan of {$390.00}. Do n't need XXXX to figure out the total we have already paid for a XX/XX/XXXX that now has 92K miles on it. {$17000.00}!!!!!!!!!!! This is the total of the payments we have made since the beginning of the loan and when we signed the documents, we owed $ XXXX. The car was 4 years old when we purchased it! My husband hurt his XXXX and was off work for over a year and a half. I 'm a wife and mother of XXXX children ... .with REAL life issues. These people ( Santander included ) have ROBBED us. They are telling us we still owe $ XXXX on this vehicle! I 'm disgusted ... .I ca n't hardly sleep at night ... .this type of behavior ought to be OUTLAWED and FORBIDDEN! Santander has been paid over the VALUE of the car ... ... OVER the amount financed ... ..OVER-OVER-OVER!!!!! I 'm ready to take this to the media. We work hard and we are being punished for life circumstances ... .getting a little behind on payments ... .the company has taken advantage of the weaknesses of the PEOPLE!!!!!!!! PLEASE HELP!!!!!! I wo n't let this sleep ... .I will write daily ... .just like the interest they are charging me between payments ... until someone listens!!!
I represent a homeowner who has a loan with Carrington Mortgage.  We have had a buyer in contract for over a year now.  Carrington has been reviewing our short sale for that much time as well.  Finally when I thought we would be getting the approval, Carrington closed our file out stating that we did not provide the correct documents that they required for the short sale to be reviewed.  This is absolutely not true.  I did provide them with the Deed of Reconveyance from XXXX for a XXXX lien that was satisfied over 10 years ago.  Carrington wanted a "Release Of Lien" recorded document and not the Deed of Reconveyance document that we provided them from our County Court House.  I spoke to title about this document that Carrington wanted and they told me in the Sate of Washington, we do not provide or do "Release of Lien" recorded documents for that type of lien.  ONLY a Deed of Reconveyance is given to the bank and seller for this satisfaction of lien.  Title even spoke to the supervisor at Carrington about this and told them that there is NO SUCH document when we have the Deed of Reconveyance.  Carrington did not care that even a Title officer telling them that what they already have what is legally needed to satisfy that lien.  They sill refused to work with me or the seller in getting this short sale back active in review and allow this document to satisfy this requirement.  This is absolutely not legal to hold a sellers home hostage and not allow them to exercise their rights to do a short sale when all of the required documentation was provided.
XXXX, TRANSUNION AND XXXX ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

XXXX : ACCOUNT XXXX XXXX XXXX   ACCOUNT XXXX ACCOUNT XXXX CHILD SUPPORT ACCOUNT XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE ADDRESS : XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE
XXXX XXXX keeps making unauthorized hard inquires on my credit report I purchase sn item more than 2 years with them and they keep making hard inquires on my credit report, besides they are reporting that I owe thrm XXXX when I owe them XXXX, they are reporting false information and also keep making unauthorized hard inquires on my credit report which I know is illegal
Wells Fargo reported that we were over 6 months late on our mortgage which never happened. I will admit that we were behind by 2 months but never 6 or more months consecutively. They reported this and it has a direct impact on my rating. They did this to make themselves look good and force my wife into signing paperwork that modified our house loan under false pretenses. This company is wrong and they know it.
I called ar resouce inc that has my medical loan. After getting diconnected and the agent calling off a different number then i called on. The agent continued the conversation without reverifying who i was or doing the mini miranda again or told the calls being recorded.I asked them the lowest payment i can make. The agent advised me she can do a settlement. I asked her whats the longest i would have to pay off the settlement the agent said a month. I advised i cant do that whats the lowest payment i can make. The agent then told me well i can break the settlement off into 2 monthly payments. Yet that was not the answer i was given when asked how long i have. Again i advs agent i cant do that and again asked whats the lowest payment i can make she advised me $ XXXXs. I asked if i can make a {$5.00} payment she said no. I stated so i cant mail in a {$5.00} payment. Rudely agent said well yes. I then asked so then can i go online and make a {$5.00} payment rudely again she stated well yes. I asked for the information to make a payment online was given info thats not working and asked for it to be mail. Gave the infomation then hung up on me. I then called back asking for a supervisor and was told i can transfer to a voicemail. I asked when is one available and the agent just tranfered me to a voicemail in which i still have not recieved a call back and its been a month. Let alone the fact of being given deceptive information This is the worst practices of an agency that ive ever dealt been forced to deal with.
This letter is a formal complaint that you are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( 611 ) ( a ) ( 7 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 
I demand the following accounts be verified or removed immediately. 
XXXX Account # XXXX
My capital one account shows a 30 days past due balance since XXXX 2012, and I have spoken to the company, disputed it numerous of time and not thus far. So I decided to cancel the credit card, mind you I had 3 credit cards with Capital One for many years and always paid on time or very early and they still refused to correct this error. Can you please help me. 



Thank you, XXXX XXXX
I have sent Trans Union requests to investigate and remove accounts from my credit report that do not belong to me.
On XXXX/XXXX/2017 I have attempted to contact Transunion multiple times. I have spoken to two different supervisors both named XXXX and XXXX. I mentioned that I would be willing to provide the needed information in order to resolve this huge issue. I also explained that I understood my rights as a consumer and legally transunion was suppose to send out a 5-day prior letter stating this the information ( inquires ) originally deleted due to glitches on two different occassions, were now going to be re-added. However they failed to do that. Out of the three credit beauras this is the one that has left a bad experience and have failed to assist with proper information. And as far as a resolution, I am requesting that all of my Hard Inquires be removed from my credit report
I sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the XXXX.
Im disappointed that I disputed XXXX  and XXXX/Sterling jewelers on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this account
They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from XXXX, XXXX, and Equifax Thanks
XX/XX/XXXX, XXXX in XXXX, CA turned over my debt of {$1000.00} to Creditors Speciality Services ( XXXX, XXXX, OR XXXX, XXXX ). In XX/XX/XXXX, Creditors Specialty Services contacted me to collect the debt. In the meantime, I had already paid {$600.00} to XXXX because I did not know my account had been turned over to collections. 

Creditors Specialty Services instructed I could pay the remaining {$420.00} to them. On XX/XX/XXXX I paid {$420.00} over the phone with my debit to Creditors Speciality Services. I have a bank statement to prove this. 

As of XX/XX/XXXX, more than a year later, Creditors Specialty Services has not paid XXXX the money that I paid. XXXX is holding my car title hostage until Creditors Speciality Services pays them. 

After contacting Creditors Specialty Services, I have learned that their owner was fired for fraud and theft. 

Creditors Specialty Services is a fraudulent debt collector.
I had previously submitted a complaint against Portfolio Recovery, and they did not address the complaint that I submitted. All they did was say that " XXXX has furnished information to the consumer reporting agencies in accordance with industry guidelines. XXXX verified the account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. '' Portfolio recovery is not reporting accurately. They are reporting as a factoring company, and as an open, revolving account, which they are not. They are a debt collector. They are also reporting payments on my reports monthly, which they can not do as a debt collector, and furthermore, I have never made a payment to them even through they are reporting that I have been paying them for the last year and a half. Regardless, they can not, as a debt collector, report monthly on a credit report. 

I never received a dunning letter from Portfolio Recovery after they purchased this account from XXXX, which they were required to send. Furthermore, after sending them a request for verification, they did not respond.
This XXXX keeps calling about 5-6 times a day until XXXX! Wants to sell vehicle insurance and loans. Asking for a XXXX, no one lives here by That name.
At this point I do not know who to hold responsible ; however, I 've worked extremely hard build my credit. My hard work only means something to me and not to the companies that I 've allowed to retain my earnings. I 'm upset and I 'll continue to escalate and complain until change is made with the unregulated credit reporting agencies. People who file bankruptcy have more of a fighting chance for additional credit than someone who 's spent the last few years making on time payments.
I had filed a complaint months ago. I thought we were working toward a solution. everything was going along fine until early XXXX 2015. I received a call from the person at Ocwen who 'd been assisting us. She told me I had to pay {$4500.00} dollars to satisfy the investors. Problem was I had to call her the next day which I did but she was not available due to a XXXX in Texas. She 'd also given me the name of another contact which I tried to contact as well but he was n't available either. I waited for some XXXX to return my call but it never happened. I eventually made a payment ( a week or so later ) not knowing exactly what to do. I made XXXX payment for the " normal '' monthly payment. It was declined. Since then I have made several attempts to come to some sort of resolve to no avail. Over the past XXXX I have received calls from Ocwen once telling me I have to pay them {$7000.00}. The following week they said I have to pay them {$20000.00}. They are no longer taking payments and I fear I will lose my home.
Obtained loan on XX/XX/2018 in the amount of {$580.00} for a title loan to assist with emergency expenses. I have been paying monthly {$170.00} per month. 
Not properly disclosed by the lender, my interest rate is 382 % I have paid the a total of approximately {$740.00} of a {$580.00} loan and still have a balance of {$860.00}. 

My understanding is that it was at 10 % rate however, it appears to be a 382 % loan. 
Is this a predatory lending practice and is it legal for a company to charge these types of fees without making sure the customer understands this contract. It indicates on paperwork that you can obtain a refund for finance charges if you pay the loan off early ; however, in my attempts to do that I was told that my payments would be applied to the interest amount first therefore, contradicting the wording that says that the borrower would be entitled to a refund if principle is paid off early. 

It also indicates that the Lender is XXXX XXXXXXXX XXXX XXXX but then it indicates that my pre-paid finance charge would be paid to XXXX XXXX XXXX XXXX XXXX dba XXXX XXXXXXXX XXXX for this loan agreement.
I was applying for a loan modification with Citimortgage for my second mortgage loan. The interest rate is 8 % and my husband has been out of work since XX/XX/XXXX. He is terminally ill and is now on social security XXXX. I keep trying to work with Citimortgage and they keep asking for more information/documents. I continue to provide them what they ask for. This last time the loan modification review process began in XXXX XXXX. This is ridiculous, this process should not take 5 months. Each time they have asked for more information/documents, I have provided them asap. Attached are all my email exchanges with them. Most recently, I was receiving weekly emails with status updates that were really no update, just that they did not need any more information from me and that they were reviewing my loan for a loan modification. I realized after a few weeks that I had not received the weekly email, so I sent an email and of course did not hear back. Then I sent another email and my support specialist assigned to my account, said that my loan was now in Recovery. They can not do this. They need to finish the review of my loan modification request and notify me of an acceptance or denial. They also need to notify me that my loan is now Recovery. What kind of company does this? I work for a mortgage company, I know this is wrong.
BMW financial services ( BMWFS ) assessed a balance of over {$2500.00} upon vehicle return from a lease in XX/XX/2017. Payment arrangements were made through BMWFS for auto pay, however the account was sent to collection. Several attempts have failed to resolve the matter as both the collection agency hired by BMW and BMWFS refuse to clarify what will happen once the balance is settled. I have expressed my willingness to pay this account from the onset however they will not clarify how they will be reporting to credit bureaus once the account is paid.
I received and deposited an out of state check in the amount of {$1700.00}. This check was deposited on Wednesday and when i checked my account on line Thursday the account showed {$2000.00} funds available. It did not say {$2100.00} deposited and {$360.00} available. This was a fraudulent check that I had received unknowingly, the scam artist then requested the funds be returned through XXXX XXXX, Which I did. Then 2 days later the Bank notified me that I was over drawn by {$1400.00}. My complaint is that the bank would not let me withdraw cash from the teller, atm or use my card in excess of the {$300.00} but they allowed a wire transfer for {$1700.00}. I have tried everything to work out a solution with the bank but every dept says the bank will help and then refer me to the fraud dept. The fraud dept continues to hang up and offer no help. They even hung up the phone on me while i was on speaker phone at the local branch.