WillisBack/dataset-financial-user-claim huggingface dataset:
I have consistently called them trying to make a payment I could afford. They gave me no options at all to repay this loan other than putting it off over and over again. {$1000.00} a month is an insane amount. I had just had a baby and explained I could not afford that. I called them several times a month which they have in their system. No one helped me or gave me options. Please listen to our conversations if you could. I investigated myself and read that I could do a plan which starts low and goes up higher over time. I decided to do this and told the representative and they were not eager to provide this plan. Again gave me all different information on payments everytime you call its one amount and you get a bill for another. Please again listen to the conversation verses the bills they sent. They dont match which is why I had to keep on calling. So I ask why this keeps happening. They say its an estimate. So your making me agree over the phone to pay an estimated price then you bill me another? After agreeing to yet another payment plan they sent me several bills with different amounts. So I call again. They say the system is backlogged and to ignore them. I was to start paying in XX/XX/XXXXstill no corrected bill of what I will actually pay. Lack of information on the phone. They put several over 120 day late notices on my credit report and now I am having trouble obtaining loans and credit cards due to their incompetence. I have wrote to their credit department to have it removed and they will not remove it because they are in the wrong. Please help me to remove these reports.
I had received several letters from XXXX XXXX XXXX XXXX XXXX agreeing to remove both accounts from my Experian Credit file. I have fax these letters to Experian multiple time now and the information is still reporting on my credit file. This has been a concern to me because when a consumer is being honest about different situations they go through with these credit agencies it seem like we still get XXXX. In other cases communicating with the credit agencies trying to stay on top of things one representative states they received my documents and talk to another and they claim they have n't receive anything.
The account " XXXX XXXX XXXX '' was delete off my credit report and now reinserted on my profile. Pleas have this removed ASAP. The file number is XXXX.
I was sent a letter by American Express stating that they incorrectly credited my account for fraudulent charges and that the charges were being reversed. When i called American Express no one was able to tell me what charges were fraudulent, when they were charged, or who the merchant was. Am i just supposed to " take their word for it ''? I dont think so! This is the 3rd time this has happened to me and i believe Amex is trying to cut their losses by hoping people wont inquire about the " supposed reversal '' of credits. In this day of data and technology there is no way i believe that they cant tell me exactly what credit is being reveresed and why! I think a class action lawsuit should be brought against the company and anyone who has experieince this nonsense should be refunded the credit reversal.
An employee, " XXXX XXXX '', from XXXX XXXX XXXX tried to get me to pay for a debt that was already paid. He had all of my personal information regarding the debt. However, this debt was paid. When I asked for valid paperwork, I was transferred to his manager who explained I would be taken to court. 

Previously this company called me about a different debt that I was suspicious of. I did give them {$1500.00} for that debt. 

This time they wanted me to pay {$2700.00}. They are obviously a scam. The number they called from is XXXX and " XXXX '' is at extension XXXX. 

The more questions I asked and suspicious I became, the more they became aware that I was not going to pay their debt. They are con artists with access to many people 's information.
It began when my mortgage company paid my taxes out of my checking account instead of escrow (   XXXX   ) ( {$1300.00}. ). My account was on autopay so I thought that this amount was my monthly payment for   XXXX   XXXX    . When I received a late payment notice, I then had to come up with   XXXX   XXXX    payment and late fees. Pd.  XXXX . Offsetting  XXXX  and  XXXX  payments. I remained in contact with  XXXX   XXXX  @  Standard  Mortgage to make payment arrangements. On  XXXX   XXXX , I left a recorded voicemail stating that I wanted to make   XXXX   XXXX   payment that day, but would call back on Friday to make partial payment arrangements for  XXXX  until I could catch up. Ms.  XXXX  put both payments through  XXXX  and   XXXX   totaling {$3200.00} within 72 hours. Being  XXXX   XXXX  here in  XXXX   XXXX , banks are closed and I did not realize she had done this without my authorization. I was {$400.00} negative in the bank before the weekend ended. When I realized it I called her, only to be yelled at. She stated that she took my voicemail as authorization of full payments. I told her that to listen to the voicemail again and she refused. She will take no responsibility for this and will not help me resolve  it.This h as caused me to sink into much deeper financial distress and accrue well over {$2000.00} in NSF fees alone, at my bank. This is unrecoverable!   Now, I wrecked my car and have no second income anymore. But, because my credit is ruined, I can not get another car. Therefore, no second income. On my   XXXX   XXXX   XXXX    salary only, I can not afford to keep this house. My water, phone, cable, etc. have all been turned off. I have to use the neighbor 's hose to fill my toilets in order to flush them once a day. Standard Mortgage is going to be foreclosing on me soon.   Ms.  XXXX  's decision to put the second full payment through,  WITHOUT AUTHORIZATION,  had destroyed me and my family. Is there any way that this can be resolved?
I do not remember this debt at all. I 've asked for verification numerous of times and have n't received anything yet. I do not believe this debt is mine because of the difficulty of verifying it.
My cell phone rung and I told someone to answer it and the debt company did not verify who they were speaking to and disclosed all of my personal business about me being 30 days behind on my car note and demanding payment ... then when the person told them they could n't do that the lady became upset and tried to lie and say he said he was my son and then she hung up..after disclosing my personal business
CASHCALL responded to my complaint stating that they have not called me. This was not even the complaint. Instead of answering the complaint they tried to dodge issue and divert attention. Also trying to place blame elsewhere without looking at the evidence in front of them. They then admitted the amount owed was was XXXX. On the XXXX loan. We all know that CashCall has been under the gun for shady loans. Then tried to respond by saying XXXX took over the loan. Well XXXX is a shell company of CashCALL but they are trying to avoid blame. XXXX was also under fire for harassment and then they had to refund. XXXX I said I would take the different offers to pay off and they never responded when I would accept. It was a game and lies. HERE is the issue and I am not going to take answers that make zero sense from Cash Call. Fine CASH CALL you state balance was XXXX. CASH CALL then you falsely claimed XXXX. Which is a blatant lie, false according even to CASH CALL CASHCALL I am going to assume that you did not look at the evidence or clearly read what I written all the way. I did not claim you were calling me during Chapter XXXX. What I am claiming is the lies about what was owed. So in 5 months a loan accrued XXXX in interest on XXXX loan. OK I will also be sending this appropriate FTC and AG. 2nd response states XXXX XXXX is who I have this with. Well that is not true. CASHCALL Claimed XXXX to the BK court which is false as they already admitted XXXX But this is what they do lie. Regardless I have the proof. I also have copies of the checks and where they were sent. TO CASHCALL in XXXX. Just in that is the discrepancy of XXXX that CASHCALL has 14 days to return or will be taken to court over and and interest on XXXX over 6 years at the rate that will be XXXX which is what my attorney will be going for along with attorney fees. Attached proves Cash Call was paid not XXXX. XXXX did not claim with BK court, Cashcall did. CashCall may call me to verify where to send refund.
Since graduating from school in 2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
XXXX   XXXX   XXXX   client  XXXX   XXXX  is an identity theft victim ; his information was used without his consent to apply for several credit accounts. These application created fraudulent inquires on his credit reports, the creditors were notified of this activity via a formal dispute as outlined under the FCRA. After disputing an inquiry twice with  Capital One the inquiries are still being reported to the credit reports.
I have never received any notice from any court with regard to any account. I requested from plaintiff proof of my signature on their application, but they have not provided me with any information, instead they are asking me for my personal information, i.e social security number, etc.  Atlantic Credit and Finance , Inc.  alleges that court took judgement on their behalf on  X/XX/2010   , for which I was never requested to attend.
XXXX XXXX XXXX XXXX agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.
I have a complaint against American Express Credit Card. I made a schedule payment for XXXX on the XX/XX/2017. I did n't realized my old banking information was comingled with my current banking account. About 2 days later I realized I pull money from the wrong account. I called American Express on XX/XX/2017 that I will be making a XXXX payment from the correct account. I thought the problem was solved. After a made the payment they attempted another time, now its 3 times in the wrong account. I called and asked why did you attempt it again after I made the XXXX payment? American Express in XXXX told me it 's their practices of three times and it 's not disclosed in my agreement. Customarily in the banking institution to deem NSF after twice deduction. I wanted to see in my agreement were it stated we will attempt three times or more in your account. I asked to be transfer to the US. But transfer to XXXX. I finally got transfer to the US and asked for a follow up with my complain. No feedback.
I do n't know the legal definition of predatory loans but I believe that this is the situation that I have. When first got our loan the payment was really high but we under the impression from the people we were dealing with that we would be able to reduce those payments after making on time payments for a certain amount of time. We did that but we were not able to refinance and the payments became too much. Later we were given and adjustment which was still too high. I have made several attempt over the past XXXX to try to get an affordable mortgage while at the same time having to file bankruptcy because that was the only way I could save our home while we were going through the motions. However each time I tried to modify the loan from XXXX to XXXX XXXX XXXX and now with specialized loan services nothing is ever done. Either I 'm constantly being told that they are not receiving my paperwork and there is no one XXXX that I can talk to or deliver the paperwork to in person or just completely ignoring my efforts. I have tried working with " making home affordable '' and nothing came of that. I filed a modification through XXXX at the beginning of XXXX, the lender asked for some additional information which I sent to XXXX and they updated it to my file and I have n't heard any more from them until XXXX when they started the foreclosure process again. ( Despite the XXXX page saying they are supposed XXXX reply within two week ) I am in the process of completing a XXXX modification request through XXXX but if no one is going to hold the lenders accountable and they can constantly deny your paperwork or drag the process out so long that your forced to give up your property just to end the nightmare of never feeling sure or safe and constant worry for years now. And now we are once again facing foreclosure and eviction All I want is an affordable fixed rate mortgage payment so that we can get on with our lives. My mother is XXXX XXXX XXXX now and she should n't have to eviction hanging over her head at this point in her life. 
I do n't know if this loan should have ever been made to us from the beginning but had never purchased a home before but I know that had we known the payments would go up instead of down we would not have agreed to the terms but this was how I was told that people were able to afford the houses at that time. We have been here since XXXX and it 's our home now and we just want to be able to pay our bills & mortgage and be able to sleep at night.
I withdrew from school in XX/XX/XXXX. When it was time to start paying back my loans I did not have the money to do so, but was unable to navigate Navient 's website to take the necessary actions. As of XX/XX/XXXX, I am now back in school and Navient is still asking me to make payments that I am unable to, calling and emailing me what feels like every day.
I received a total of XXXX phone calls from XXXX different phone numbers, all belonging to Navient Corporation, in the span of 10 minutes. The same happened to my co-signer. This is an attempt to collect a monthly payment toward my student loans. I am up to date on my payments, and made a total of {$700.00} worth of payments two weeks ago. It is the first of the month and the harassment begins again.
I was given a {$50.00} Citi Prepaid gift card that did not work. I reordered it and never got a replacement. I then reordered it again, someone fraudulently obtained it and spent all the funds. Citi sent me a fraud form, told me to fill it out and send it back. I called today as I never heard anything and they stated that the can not process a fraud claim on a prepaid card and apologized for the misinformation. They never notified me of their intention to not process the claim.
This credit card account was agreed to be settled and pain in full as a settlement. Instead the company took the money and only deducted it from the balance. It should show XXXX balance but comments should be reported as settled and paid in full for less. Then deleted from report as a pay and delete
Debt was settled for XXXX with a previous collection company back in XX/XX/XXXX. Debt was sold to another copy in XX/XX/XXXX, which was reported to the credit bureaus as an outstanding balance of XXXX, collection debt.
I have an outstanding bill with this company. That was never my responsibility. During former disputes I requested debt verification that was never given to me. I also advised the original creditor that the hospital bill in connection with her services where paid in full by the state of Illinois. ( Can provide proof upon request ) she straight out refused to bill XXXX and I never received a bill from her for her services. I also never received a bill from this company before I was submitted to the credit bureaus. There reporting reported once a month adding about XXXX dollars to the collection which I did not agree to nor was I advised. XXXX XXXX recently sent a letter to this company which was returned to my address. They sent debt verification to my house with the original contract and bill from the original creditor this will be sent to the state of Illinois tomorrow. Now with them adding money to the bill it came out to XXXX but on what they sent me and now on XXXX it shows XXXX as in picture down below. I 'm not sure this is legal as I did n't sign for them to do this.
On XXXX/XXXX/2010 I, purchased a new construction home through HUD First-Time buyer program. Wells Fargo Home Mortgage originated by mortgage documents for HUD. 
After closing I had discovered the home was never inspected during any phase of construction. The building permit was not valid, and the certificate of occupancy should have never been issued without inspection reports. The Builder 's Certification of Plans, Specification, & Site form was also fabricated. The individual who signed as a member of XXXX Properties is NOT a managing member. A building permit was never sent to the XXXX County Assessment Department, which is also required. HUD requires the lender to report allegations of fraud to the HUD XXXX office for further processing, but Wells Fargo has never reported anything to HUD XXXX. I kept trying to reach Wells Fargo the day after closing, but never received any reply. A few months later I receive a letter from Wells Fargo stating my mortgage had been sold, and XXXX Bank would be servicing my mortgage. 
Wells Fargo never addressed the allegation 's of fraud, and sold the mortgage to clean their hands of it. Wells Fargo would send letters stating they could not help with the issues, but under law they are suppose to refer the complaint to HUD XXXX. Wells Fargo, and XXXX Bank have continuously denied the alleged fraud. I have received form letters from both institutions denying fraud had accrued during origination. At the end of the day Wells Fargo, and XXXX Bank are defrauding XXXX XXXX, HUD, and I. All correspondences to my home were fabricated , XXXX does not exist, XXXX Properties Registered Agent has filed a statement with Attorney General XXXX XXXX 's office " XXXX Properties did not build the home, or receive payment for the purchase of the home, and has no documentation regarding the sale of the home '' Wells Fargo 's underwriters failed to comply with HUD property requirements. The City of XXXX XXXX terminated the employment of Public Works Director, and City Clerk for fabricating documents to my home, how is that not PROOF?
Greetings, I have previously contacted Diversified Consultants informing the company that I have been a victim of identity theft/fraud. Diversified Consultants are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Diversified Consultants to follow the law, they clearly feel as though the law does not apply to them. Remove the Derogatory account. Please and Thank you
I applied for a hardship refinance with Flagstar Bank and submitted all the required documents. I called back after two weeks and was told the application was under review. I called back in another two weeks and was told the application was rejected because the documentation provided was too old. The pay stubs were the only documents that were to be recent and they were my XXXX most recent stubs at the time. I applied again and was never able to get an update about the status of the loan until after over a month had passed. I was always told they were backed up due to the number of requests, but it was in progress. I was finally able to get someone to tell me that my request had been rejected again because the documents were too old. I ended up having to take out a 401k hardship loan and am still paying tax interest and penalties because of it.
While I was XXXX overseas ( in XXXX ), my lease expired and I had to procure new housing. My mortgage broker told me that I I was approved for a VA loan at 3.375 percent. He asked me to engage my word to go with his company if would get me this rate. I gave my word ( in the military, our word is our bond ). However, he did not get me a VA loan. he instead got me a higher rate loan with PMI. Moreover, by the time his " bait and with '' was evident, it was too late for me to change mortgage brokers. I would lose my house and I would be homeless. I called the mortgage company about this and they did nothing about it.
XX/XX/XXXX at XXXX I spoke w/ pretender lender loan servicer Ocwen Loan Servicing 's representative manager, ID number XXXX. I told the representative manager that pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX all have committed years of fraud against me, and that recently Ocwen Loan Servicing employees and litigation lawyers all used fraudulent XXXX trustee sale as a weapon to coerce me into signing pretender lender loan servicers increased none negotiable loan modification settlement to avoid fraudulent trustee sale taking place in just days. I told the representative that Ocwen Loan Servicing made offer in late XX/XX/XXXX, a {$660000.00} loan modification w/ 2 % w/ {$2600.00} monthly mortgage payment if I agree to hush hush. I declined the {$660000.00} offer because I own my home free and clear. I told the Ocwen representative manager that in XX/XX/XXXX Ocwen Loan Servicing increased the offer to a none negotiable {$750000.00} w/ 3.43 % with {$370000.00} monthly mortgage payment, and that if I did n't agree to sign pretender lender loan server 's increased loan modification Ocwen employees and in-house litigation lawyers would instruct its cozy buddy XXXX to proceed w/ fraudulent trustee sale and I would of lost me home I own free and clear. I told the representative I plan on retaining new counsel " XXXX XXXX ' in the next few days, that it is costly, and that I am tired of spending thousands of dollars on lawyers to fight corrupt shady scam front pretender lender loan servicer, and that before I retain new counsel is Ocwen and its crooked in-house litigation money hungry XXXX willing to work this breakdown matter out with me, its probably a complete waist of time but I am going to just ask. The representative told me the only number Ocwen has on file for me is XXXX. I have evidence Ocwen has my correct number. The Ocwen representative, ID number XXXX hung up the phone on me.
Discover Card has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XX/XX/2018 with them continuing to report this credit card on my XXXX  credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.