WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I spoke with a representative from Chase Auto Finance and she offered me a deferment for the month of XXXX because my business fell upon hard times. We made an agreement to push my monthly payments from the XXXX of XXXX to the end of the loan. I 've requested Chase auto finance to review the phone call from the date of XXXX XXXX, and they submitted a request, and I requested the company to give me a call three times following the review, and I have n't heard anything back from them since. I 've already disputed the payment history with all 3 credit bureaus and have yet to get this issue resolved. On XXXX XXXX I went into the branch in XXXX Florida, at XXXX XXXX XXXX, XXXX XXXX, and made a payment of {$1000.00} dollars, and my monthly payment is only {$950.00} dollars. According to my contract my payment is not deemed late until after 30 calendar days. My payment due date was on XXXX XXXX, XXXX, and I made cash payment on XXXX XXXX, XXXX which was on the 30th calendar day. Which means credit report should n't have been reported late. If the company has moved my payment date to the end of the loan, my credit report should not have been reported late for the Month of XXXX and XXXX. This matter dropped my credit score significantly by more than 100 points and i would like this matter resolved, as it is my right as a citizen. I also made a payment of {$600.00} dollars on XXXX XXXX XXXX, and the law states that if a company receives a payment for the month of XXXX, XXXX within 30 days, the company Chase Auto Finance, can not report the payment late. I am asking that please change my credit report to be reflected immediately. 
My social security number is XXXX. My address is XXXX XXXX XXXX XXXX, XXXX fl, XXXX. My name is XXXX XXXX
Equifax INC put a collection on my credit file. I contacted the company, XXXX XXXX XXXX over the account. The XXXX states that on XX/XX/XXXX they sent a request for the information to be deleted off my credit file. Its been two months and the account still remains on my credit file. The account is a collection account. After making a complaint on this company that I do not owe and have no contract with Equifax still has the account showing on my credit file! Equifax needs to delete this account off my credit file immediately!
Recently American Expresss closed my account due to discriminatory and retailiatory acts. After I raised the complaint with CFPB and with AMEX, they in turn, closed the account after I requested to be given an opportunity to pay the account over time. Instead, they retailiated against me knowingly. They were welll aware that I submitted a complaint to CFPB and then again to AMEX Presidential Office for resolution. No one attempted to work with me on resolving this debt, based on my request to pay overtime. My mother, was also assigned as the Manager of the Account and they deleted this from the system illegally as well. 

Now based on extenuating financial hardhsip existing with my family and a sibling diagnosed with a XXXX, we are unable to pay this balance in fulll and have suggested to pay {$100.00} per month to this account, until I am able to settle the balance. 

There is no neeed for the assigned Debt Collection Representative, XXXX to make illegal attempts calling 3rd Parties whom he does not have a right, nor was he given their phone numbers. How did obtain phone numbers of other family members illegally. We have also requested that he desist in his maneuvers against these individuals, utilized as a harassing tactic against me! 

Do not call their phones again! 

We will commence paying XXXX/mth this month. 

Regards, XXXX XXXX XXXX XXXX
I spoke with Ditech Financial customer service in XX/XX/XXXX and XX/XX/2016. At the time of my second call at the end of XX/XX/XXXX I was told that I was in the beginning stages of a loan modification review and I asked specifically if I needed to continue making payments between XX/XX/XXXX and the first payment date of XX/XX/2016 for my XXXX trial payments. 
The customer service rep told me that no, I did not need to make additional payments before starting the trial payments because those would be rolled into my new modified loan amount and everything would be brought back to current after the modification was completed in their review system. 

I followed the lender 's advice and did not make my XX/XX/XXXX and XX/XX/XXXX payments as I was told I could, but now I show multiple delinquencies on an account that was currently NEVER even 30 days late. I was lied to and that misinformation has ruined my mortgage history.
in XX/XX/XXXX i tried to create an account with XXXX ( equifax ). the site said an email would be sent to me. none was. i called but was put on indefinite hold. i tried again in late XX/XX/XXXX to create an account. this time i received an email ( XX/XX/XXXX ) from XXXX with a link to activate my account. everytime i have clicked the link it opens a page that says " system unavailable. can not process. try again later. '' i tried calling but again was put on indefinite hold. 

it 's bad enough that equifax let hackers steal my information and then withheld that development for months. now they wo n't stand behind their promise to provide identity protection.
union bank mis directed funds without my consent., over drafted the account now the have sent it to collection to the XXXX XXXX XXXX
I did a pay off of {$9000.00} on Lending Club as of XXXX, 2015. The account is closed and the amount paid, was accepted as payment in full by the company. They have refused to acknowledge my request for a letter documenting this as well as updating my credit reports.
Diversified Consultants Inc has reported a collection account to my credit report. I have disputed it and they have verifed the debt to the credit bureau. They have failed to provide any physical documentation to prove this debt or that they even have the right to collect for this debt.
I opened my citigold checking account on XXXX/XXXX/2016 using the promotion code XXXX. This promotion code XXXX was for earning XXXX XXXX Points after making XXXX or more bill payments for XXXX consecutive months within 60-days of account opening. I made XXXX separate bill payments, XXXX on XXXX and XXXX on XXXX/XXXX/2016 which satisfied the bill payment requirement. Following this, I confirmed with a CSR rep that I met the requirements for the promotion and would receive the ThankYou Points. A month later, my account had to be closed due to fraudulent activity. I asked the bank if I could still receive the thankyou points if I opened a new account. They told me that I would not receive the points because my original account was never targeted for the promotion. I argued that since the CSR rep told me I met all the requirements, I should be awarded the points. They refused. I can not access my online account to provide supporting documents because it was closed due to fraud.
I HAD TO FILE BANKRUPCY XX/XX/XXXX AND XX/XX/XXXX. I DID GET BEHIND IN MY MORTAGE PAYMENTS. WI TH WELLSFARGO. INSTEAD OF WELLSFARGO HELPING ME MODIFING MY LOAN THRU HAMP, WHICH EXPIRED XX/XX/XXXX. THEY USED THE HARP WHICH REALY I DID NOT NEED TO BE IN. I NEED A JUDGE TO ORDER WELLSFARGO TO GO BACK AND SEND MY LOAN THRU THE HAMP PROGRAM. OR I WANT TO SEEK LEGAL ACTION ON MY LOAN. I HAVE BEEN IN MY HOME SINCE XX/XX/XXXX. 
I AM NOW PAYING A 9.25 % INTEREST RATE. CAN YOU HELP ME SEEK LEAGAL ACTION., I HAVE A LOT TO TELL YOU ABOUT MY LOAN IN PERSON. WELLSFARGO DID NOT TREAT ME RIGHT UNDER THE SONSUMER FINANCE ACT. I AN NOW UNDER CHAPTER XXXX TO KEEP MY HOME. I ALSO HAVE A CREDIT OF {$330.00} FROM A CLASS ACTION SUITE , AND THEY WILL NOT GIVE IT TO ME. I ALSO HAVE ANOTHER CLASS ACTION SUTE, ( NOT GRANTED YET ).
I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

Equifax werent able to verify it and I attached my proof of results marked deleted for this account # XXXX so why is it still reflecting marked as paid and closed on my last update credit report that was sent by the USPS. 

Lastly i never file bankruptcy for account # XXXX that is inaccurate information and must be deleted under the Fair credit reporting act. This account with XXXX XXXX XXXX  should be listed under investigation under bankruptcy fraud Title 18 U.S.C. 157 ( 3 ) because i never filed or included that account on my bankruptcy.
Bought my 2nd home since XX/XX/XXXX with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for almost 5-6yrs. In XX/XX/XXXX I decided to modify the loan, but has been very very difficult to get any successful answer. The servicing company totally refused to assist. I have been filing papers upon papers. 

Okey, I decided to try short sale since they bank/servicing company totally refused modifying and reducing of the interest rate. Tried short selling through an agent in Delaware who helped in finding a buyer, submitted all necessary documents and did a down payment. They denied not receiving necessary documents and decided requesting documents and documents. The frustrating part of it was I never a time i had a steady contact. Finally they refused accepting the documents and refused to accept the offer. Before I know it the loan was sold or transfer to another servicing/financial company with another financial company. The annoying part is that severally calls will be coming from Utah, and when I do answer, no one on the other end. This is very very frustrating. About a I called the company someone did answer and told me my document is still incomplete. In reply, I made him to understand that I am no longer interested, I need my house back and will want to resume paying my mortgage.
I was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My XXXX XXXX, according to XXXX, was XXXX out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX  should be using such a company for their credit checks.
This item was previously disputed by CFPB ... 
XXXX removed the collection charge of {$260.00} from my XXXX credit report. However, now Enhanced Recovery placed a collection charge on behalf of XXXX for {$260.00}. This item is not a viable item because I returned my device and paid the account in full and provide documentation on the previous complaint # XXXX
I recently send this debt on my credit report from this company, stating I owe {$710.00}. I did contact them in regards to this issue spoke with a gentlemen and I advised him that I did not take out a payday loan inXX/XX/2013. Advised rep if a payday loan was taken out inXX/XX/2013 then why 5 years later I am being notified of this issue on my credit report. The representative became very rude and told me I owe this money and need to pay. I ask him how can they verify it was my loan, rep then stated it was verify by e-mail and a bank account that was closed due to fraud. I did ask them to send me something in writing that's valid I took this loan out, the representative refuse and told me to dispute it with XXXX and XXXX. Advised him I will then he stated even if I do he will verify it was me so I have to pay something that doesn't belong to me. This company is a third party collections agency trying to collect money that isn't owe. He stated he was taken out online which anyone can do. They are very rude and disrespectful representative. I am a single mom who doesn't deserve this. There is no factual proof that I took out this loan and they couldn't provide any. The representative also advised they will take me to jail if I didn't pay. This is against Fair regulation Act. I never took out a loan and there is no solid proof, the bank account they're referring to was close for fraud which I told the representative that.
In addition to attempt to communicate an issue to someone whom barely speaks you language with television and or radio in the background. 
Please see attached files.
I have sent a address affidavit to have all incorrect addresses removed from my file. My name is spelled wrong on my Equifax report as well. Please see the attached documents and correct the error as requested thank you for your time and concern.
I subscribe to a credit monitoring agency XXXX I was alerted that a credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has flagged my account as collections. I do not owe any amounts or bills that are past due and recently had a credit score of XXXX and XXXX. I contacted the company XXXX and asked why this is on my report. i was told the information was erroneous reported and however they can not remove it form my report at this time. I asked them for a letter stating the information error but they refused to help in any way and told me they would not put anything in writing. the employee XXXX XXXX on XXXX/XXXX/2016 said she felt it would not hurt me but i have nothing in writing showing it was an error and their mistake. I also contacted the manager XXXX XXXX on XXXX/XXXX/2016 and he agreed it would be removed. I believe this company has done detrimental damage to my credit report for no reason at all due to their mistake and erroneously reporting.
On several occasions EAS LLC has attempted to reach a XXXX XXXX at my number. I have had this phone number since XXXX 2016, I have been called multiple times since then. I have told them on several occasions to stop calling me. I have been promised multiple times that my number would be deleted. It has n't been. 

I have reached out by phone and spoken with a supervisor. I have sent an email by way of the company 's website. 

When they called today and I told them I was filing a complaint with the FTC, I was told that it would be a waste of time because they " ca n't touch us. ''
Please see the annexed complaint with exhibits against Shellpoint Mortgage Servicing. On XXXX XXXX, 2017, Shellpoint previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact Shellpoint and has demanded information but Shellpoint has ignored the issues altogether.
I have a student loan that was cosigned by my grandfather. XXXX XXXX on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : " Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from XXXX XXXX. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. '' Someone from XXXX XXXX had spoken to my grandfather around XX/XX/XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.
I recently applied for a Total Rewards Visa credit account through XXXX XXXX. I have a credit score of XXXX as was stated in my denial letter dated XX/XX/2018. I believe the decision to denial my application is discriminatory in nature. Application number : XXXX. Total Rewards # XXXX.
I received a pre-approved auto loan from XXXX XXXX XXXX XXXX in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.
I originally mailed my dispute letter to Experian on XXXX XXXX, 2015 and then followed up wit a second letter on XXXX XXXX, 2015 and till this date i have not heard back from them.
I was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( XXXX  and XXXX ), XXXX XXXX ( Equifex, XXXX  and XXXX   ), XXXX ( XXXX  and XXXX  ), XXXX XXXX ( Equifex, XXXX and XXXX  ), XXXX ( XXXX  and XXXX  ), XXXX XXXX  ( XXXX, Equifax and XXXX ), XXXX ( Equifex, XXXX and XXXX ), XXXX XXXX XXXX ( XXXX, Equifax and XXXX ), XXXX ( XXXX  and XXXX  ), Bankruptcy : Voluntary CH-XXXX ( Equifex, XXXX and XXXX  ).
I tried to dispute this incorrect data reported by Ally Bank. Extension was granted on the telephone for auto loan contract. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwere all reported as late because of the inability of Ally bank to send the contract in the mail to my home address. When the supervisor at Ally bank was notified of the situation, they said they resent it 3 separate times in the mail to the address on file. Payment was not sent to Ally and I was confused why it had not been received yet in the mail. Supervisor made excuses and said it was my fault ( consumer ) although I know this not to be true. It took over 60 days to finally receive their paper work and when I escalated this complaint to the supervisor I was told that it was my fault I did not get the paperwork back and Ally said they would resend it. After 3 weeks it still did not come and I called back and the situation repeated 2 more times until about 65 days later the paperwork was received and sent back signed to Ally and payment was made within 1 weeks of the paperwork being received but I was told by Ally that they would not remove this for my credit even though this issue was 100 percent due to an inability of Ally Bank to send the paperwork to the correct address on file multiple times in a row. Please help resolve this.

This is from credit report : Account Details Account status Open Type Automobile Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Worst payment status 60-89 Days Late Times 30/60/90 days late 3/1/0
Yesterday XX/XX/18 after a XXXX search I saw a Transunion offer for a free credit report. I signed up and entered my credit card number thinking this was merely a verification of identity to receive the credit report. Nowhere in the sign up process did it say that I was signing up for a credit monitoring subscription and nowhere did it say there would be fees charged. It also did not say that the fee charges would be recurring at {$19.00} per month on a " til forbid '' basis. This is inexcusable, especially for a supposedly reputable credit reporting agency. 

I called today to cancel the service and that was accomplished ( they required me to sign in to do this ). I did not know they had signed me up for a credit service and I did not use that service ( the credit report offer did not mention the service or the fees ). The Transunion rep did not disclose that there was a {$19.00} charge already made against me credit card and would not have reversed it if I had not asked if there were any charges already placed against my credit card ( I am still awaiting the reversal verification ). By disclosing this initial charge during my cancellation phone call and not offering to cancel it ( less than 24 hours after inadvertently signing up is another effort to retain funds that were initially gotten through deception. 

For tracking purposes, the phone rep gave my cancellation number as XXXX. 

Please sanction them over this bait and switch tactic. 

1. Here are two of their promotions from a XXXX search : Free Annual Credit Report | TransUnion https : //www.transunion.com/annual-credit-report 2. Click here to access your free annual credit report. With TransUnion, it's easy to order your annual credit reports from all three credit bureaus at XXXX. 
TransUnion Credit Report | Sign Up Today in 2 Minutes Adwww.transunion.com/CreditReport/2Minutes If You Have 2 Minutes, You Can See Your Score Today! There's No Reason Not To. 

Thank you, XXXX XXXX XXXX
I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.