WillisBack/dataset-financial-user-claim huggingface dataset:
i had gold key credit inc removed from my credit report they are lieng to the credit brues and saying i owe some type of medical debt. they where rude and biligerent when i talk to them and they have broken so much laws its not even funny. i would like them to remove them selfs from my credit report
Dear Sir or Madam, we are contacting you because we want to file a complaint with M & T bank out of XXXX, NY. M & T financed our XXXX XXXX, year 2013. The deal was lousy, a 15 year loan and that would be fraud. M & T took advantage of my sick and XXXX husband ( XXXX years old ). He is in poor health, has a terminal illness, XXXX besides other ailments. Please give him a call at your earliest convenience at XXXX. 
If we have to, we would be more then willing to also contact our local news station. Please advise us how we should proceed. We also have numerous other financial problems that would take to long to email. We appreciate you calling us back. My husband is housebound, he is always at home. 
Thank you A concerned wife our email : XXXXXXXXXXXX
Transunion replied to my complaint number :  XXXX . In their response they stated that   XXXX    XXXX   XXXX  account numbers :  XXXX ,  XXXX ,  XXXX , and  XXXX  reflected  XXXX  balance, dated close of  XXXX   XXXX  which is not true. It really concerns me even more that Transunion do n't investigate a through investigation and really look at my report. It clearly shows that as of today  XXXX / XXXX / XXXX    XXXX   XXXX   is showing I owe {$50000.00}. Which is n't correct! Please update my account to   XXXX   since Transunion is stating that my current account shows this balance. This account shows the same date as Transunion response  XXXX   XXXX ,  XXXX . This is at this point a fraudulent account. Please delete this account. The attached report is update to todays date of  XXXX / XXXX / XXXX .
My name is XXXX XXXX and Im paying my mortgage to CMG Mortgage but this company keep reporting to credit bureaus that Im late on my payment each time even i made my payment and seems they dont want me to refinance my house to lower my interest payment and decrease the life of the loan of my mortgage so i can not refinance to other company i had an equity on my house and i never refinance since i bought my house never filed a bankcruptcy but every time they run my credit it shows the late payments and never stop reporting on it so i will be more struggle .I was a victim of identity theft last XXXX to XXXX they break my car windshield stole my bag with my passport credit cards and identification luggages and many items on my car and i even reported that to credit bureaus and report to police department and told them as well to mortgage company as i have to change my bank account and reported cause of this incident i was fixing my credit for this people used my credit card and identification i was in a process of refinancing my house in XXXX XXXX  XXXX XXXX Ca . XXXX but i was always denied cause of this CMG mortgage holding me and keep reporting late payments even i made my payments so i wont go to the different lender and i could be more struggling stay on their company. and the XXXX and XXXX  are still doing it even i reported them that i was a victim of identity theft and submitted a report to them thats not me who is using this and stolen my credit card. pls. help me for i wan na lower my interest payment and get a better rate and decrease the life of the loan of my mortgage. 


Sincerely, XXXX XXXX Email : XXXX XXXX
Equifax : I 've been trying for over a week to place a credit freeze on my Equifax credit report due to the recent credit breach of their systems. My complaints are : - Their online portal is not working/will not process my request - They have eliminated any phone numbers reach a service representative from their web page. All of the phone numbers point to IVR (  automated phone systems ) that end up disconnection your phone call - When I finally found a legitimate phone number to contact a service agent ( ... I had to log into their web site through and old account I had with Equifax ) and called, the agent would not process my request and told me my only option was to call back during the work hours of XXXX. 

Placing the credit freezes through XXXX and XXXX each took less than 10 minutes to process ...
I was given a {$40.00} prepaid card from NetSpend. This was a gift from a friend. I tried to activate the card online and was told I could not and to call the toll-free number on the card. The first time I called, the rep asked me some questions and said the card was activated. 

I tried to make an online purchase ( making sure to include the fees NetSpend would charge ) and it would not approve. 

I then got a voicemail from someone at NetSpend to call back and give them a reference number to finish setting up my account. When I called, the rep who answered seemed to have no idea what I was talking about and said he needed to transfer me to a " special department. '' When he did, I was dumped directly into a voicemail of someone in the legal department who handles subpoenas???? 

I called a 3rd time and another rep answered -- she went through the same drill and said she had to transfer me to a " special department. '' She refused to give me the name of the department or their direct number. I was transferred and sat on hold for 15 minutes before hanging up. 

I called a 4th time and another rep answered -- I explained to him what was going on. When he asked me again for my name and last XXXX of my SS #, I asked him why did that matter because they would n't have my information if I did n't have an account. He said he had to take this info to set up the account, but once again told me I needed to speak to the " special department. '' He said he would wait until he reached someone before transferring me. I have now been on hold for 23 minutes and will hang up at 25 if no one answers. 

At this point, NetSpend needs to be ordered to refund my friend 's purchase.
I received my county tax bill and faxed it twice and emailed it twice to the company because they never got the ones i sent. Finally they " received '' it XXXX they say even though i sent it before. It shows that i am being overtaxed a substantial amount. The first two reps i spoke with said they would request an escrow analysis and a tax analysis and not to worry i would get the refund and a lower payment. They currently have XXXX in escrow after they paid my county taxes that i have requested be sent to me. I waited two weeks and did not hear anything. I called back and was told it was never requested and they were so sorry etc. I requested a manager at that point. Her name was XXXX. She seemed knowledgeable enough and like she wanted to help. She said she escalated the issue and it would take 7 days to complete at the most but should take 3 because she escalated. She even gave me her direct line. Well i waited 3 days and called XXXX  and left several voicemails to which she never replied or called back nothing. She never answered her phone either. So at that point the next rep i spoke did not have a clue as to what i was asking or talking about so i requested a new manager. I received a manager by the name of XXXX XXXX who SWORE to stick with me and get this fixed and that I would n't have to make my XXXX payment until this was resolved and assured me he put all late fees on hold and i would hear from him by XXXX. Well it is XXXX and i have called every day since XXXX and hes always busy. In fact whenever I ask for any manager they are all to busy to talk to me. Every single rep i speak to gives me a different answer. This last one told me on no i wo n't receive a refund of my escrow until XXXX because in her words these things take time and that I would in fact have to keep making my overstated payment until them. I of course let her know that is not what the managers are telling me and requested to speak to another one. She REFUSED to give me a manager instead told me again they are all just so busy and she can assure me her answer is accurate so at that point i hung up. This company is a joke. I had no choice in who they sold my mortgage too and i ca n't get any assistance. I am being over taxed. I want my overage in escrow refunded to me. I have XXXX kids and could use that money. No one there seems to care or know what the heck is going on. I get different answers every single time i call. To date no one has called me back.
I have a Voice credit card through Huntington Bank, they mailed balance transfer checks to my address on file With a promotion of 0 % interest for 12 months. I used this for this first time on XX/XX/XXXX for $ XXXX- Huntington did honor it but it seemed to cause concern because since I have continually received calls from fraud prevention during my working hours to verify transactions. Huntington has been informed I am unable to take or make personal calls while at work. Therefore to set the record straight and make sure there is complete clarity and transparency, I want to inform Huntington bank that I have viewed all my transactions up to XX/XX/XXXX including the following pending transactions ; -XX/XX/XXXX. XXXX - XX/XX/XXXX Balance transfer for {$1800.00} These are all authorized transaction. Did I make myself clear enough..? Let me reiterate ; All transactions currently or pending as of XX/XX/XXXX are authorized by me. If Huntington is reckless enough to deny that balance transfer, it will cause be harm and it would be a violation of our contract. A reminder that this is a contract of Adhesion, meaning I have had no say to the terms, Huntington created these terms therefore If Huntington violates those said terms I could and likely would claim an Anticipatory Repudiation of the contract. <P/>Further, I have informed Huntington Bank that it has always been my policy for all correspondence to be done in a way that both sides has a written or recorded record to insure accuracy and since Huntington refuses to provide me with a copy of recording. I insisted all communication can be done via any written method ; Email, USPS, even Huntington 's own internal Chat system or message platform. However and somewhat incredibly Huntington seems to refuse to allow me with any documented record of any correspondence. From past experiences only entities with something to hide or knowingly violate agreements take that stance. XXXX XXXX is a great example ... <P/>With that said, I find it very strange and an admission of guilt that Huntington bank is again providing a written document of correspondence. If Huntington Bank has any further questions they have my email address if they want to do this via Phone then we can set up a conference call with my attorney
This is in reference to DIVERSIFIED CONSULTANTS. I recently noticed an open collection account on my consumer credit report from DIVERSIFEID CONSULTANTS and I do not know this company nor was I ever contacted by this company to pay or make an arrangement with this company. I noticed the same account from DIVERSIFEID CONSULTANTS on my credit report last year but then it disappeared. Now I see this company show up on my report again AND again without any formal written notice and this time the collection debt has a different opening balance date. This company DIVERSIFIED CONSULTANTS is playing around with my credit information and I am afraid my identity has been compromised because of it. I have also submitted a letter of debt verification to this company which they have yet to respond to.
Transunion computer glitch that added inquires that originally was deleted. Transunion later added them all back on without giving me required 5 day written notice prior to re-adding them. this has been a violation of my consumer rights.
I am XXXX. In XXXX my husband was ill and obtained about XXXX. Medical bills were high and we missed XXXX insurance payments which put us in force insurance. We paid this for about 1 year. In XXXX, four years later, we recieved a bill for {$4500.00} for those three months of insurance of which we had already paid into for one year. Then my husband died. We were both elderly, XXXX and on social security. I lost my husband 's income. On XXXX/XXXX/XXXX an XXXX reasonable accommodation request was sent to the mortgage company, the servicer and the attorney. It was considered an at-risk extension request instead of a reasonable accommodation request and was denied on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX requested that I send the reasonable accommodation request to the mortgage company again along with medical confirmation of my XXXX. This was done on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX a status was requested on the reasonable accommodation request and RMS stated that they did not have anything in the file from XXXX/XXXX/XXXX. So all was resent to XXXX and also to their attorney. There is a sheriff sale scheduled in one week on my home and I am not getting answers. I am being treated as though I never submitted my request.
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I paid for my score with Equifax and was given XXXX, I went to purchase a car and my score is XXXX, a day later. I also got my score from XXXX and it was XXXX, again the auto dealer got XXXX I want to know why Equifax is giving me one score that I paid for and giving banks entirely different information. 
this is fraud!!
Reported a dispute in regards to creditor XXXXLast year XX/XX/XXXX received updated corrected report showing zero balance. Recently received notification of charge off and pastdue balance. I disputed the account via mail with all supporting documentation. Including XXXX records title to vehicle, new owner information. On XX/XX/XXXX I called to inquire to why the investigation has been more that 30 days. 
I spoke with a rep named XXXX and he says that he would update the status to complete but failed to provide information on proof of outcome. 
I asked him to check the dispute history and he did verify the creditor XXXX XXXX updated the account to reflect vehicle being paid off last year. Now recently the account shows a charge off with past due balance of XXXX. which is not correct. 
I asked to speak to a supervisor with Equifax but rep XXXX stated his superior who 's name is XXXX said they ca n't update the account regardless of any documents I sent. But they ca n't furnish any documents to how they verified the account.
INDEMNITY BOND with the Department of the Treasury not being honored to DISCHARGE debts by Chase bank.
Received a loan from Avant Credit loan. Was not told what my interest. The loan was for XXXX with an interest of 35.90 % of {$190.00} a monthe. 1 year later after a years of payment and balance was still high,. I called the company and found our that when loan is paid in full I would have paid XXXX back, so now I wanted to send in extra money only to find that interest will be taken out. I have had loan and credit cards in the past and when seding in extra money, it went to the princple, rhis company does not do that. feel that I have been jitped. This is too much money to pay back, at XXXX years old makes me want to check in on bankruptcy or kust refuse to pay anymore money ... Thank you much for any help or advice.
I have received letters from  Citi Bank that my credit cards accounts were closed without reasons and an advanced notice. I respect Citi Banks decision to close the accounts. However the reward Thank You points and Dividend Dollars from the accounts were forfeited. I earned and accumulated these points and Dividend Dollars by using Citi Cards over the years, and Citi Bank collected the transaction fee from merchants.
XXXX XXXX I got a loan from them years ago it was paid off to one of there workers XXXX and know they are saying they dont see the payment they have call and harass me concerning this matter even mess up my credit, Im tired of this company doing what they are doing. They need to find my payment because Im not paying again
I had a mortgage with XXXX, which was acquired by MB Financial Bank shortly after. My wife and I purchased another house closer to work some time later, but we continued to pay our escrow mortgage on the first house until we could sell it. Fast forward 2 years and we have found a buyer for our first property, but to our dismay, it had been burglarized one weekend. I called our insurance company ( after the police of course ) to start a claim, only to find that we did n't have insurance any more with them because the account had been closed " due to non-payment ''. I called MB Financial and they said that the insurance was dropped without a reason so they decided to take insurance out on the house themselves ( I still do n't know the name of this provider ) but of course, the plan did n't include personal property coverage like the insurance I had purchased. Anyway, long story short, I am out {$7000.00} due to this burglary ( they took all of our appliances ) and I see no hope of getting it back ...
To whom it may concern : I have attempted to contact the XXXX XXXX  XXXX XXXX ( where I was a resident/homeowner of seventeen years ) concerning a collection account that was erroneously placed on ( apparently a three credit bureaus? ) This of course has negatively impacted my credit profile, and has been exacerbated by the fact that the falsely RE- report the date of origination of ( initial collection ) in such a way as to make the alleged amount owed them/collection account ... appear to be recent, when in fact this matter has been on my credit profile for nearly FIVE years. 
The City ( via their collection agent ) is alleging that I owe {$140.00} Thank you in advance for your help with this matter. 

Sincerely, ' XXXX XXXX
I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the court which has been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX.
I informed hillcrest when they called trying to collect a debit that was token care of by the state of Colorado 's department of revenue services and sent paper work satments on this matter the manager said he would contact his client before adding this to my credit. I 've been monitoring my credit report since I cleaned all negative debts on my credit report so me and my family can look in to buying a home. This debt is now showing on my credit report in a negative way and should have never been added to my credit, I contacted the department of revenue on this matter they told me the debt was payed and they ca n't collect a debt that 's been payed and if they do put this on my credit report there invocation of colorado 's state laws which state debt collectors out of state ca n't collect from XXXX.
I have repeatedly requested a " pay-off '' statement from  XXXX   XXXX   XXXX   XXXX   XXXX  on behalf of Pennsylvania Higher Education Assistance Agency '' ) in relation to a loan I 've been paying on-time and regularly every month for more than 10 years. I have received no response. I have been wanting to pay the entire balance owed, and their ignoring my request has caused me to unfairly continue to pay interest.  XXXX  / Account #  XXXX .
I was promised  XXXX  $ dollars to switch from  XXXX   XXXX  to  XXXX   XXXX  come to find oylut it was lying tactics they use to get your business! I refer approx  XXXX  out of the  XXXX  I was promised!
The XXXX reporting agencies ( Trans Union LLC, XXXX, and XXXX ) are reporting fraudulent information in the public on my credit report and others, based on biases, even going as far as attaching my daughter 's credit profile on my credit report, when it is clear that we have very different Social Security Numbers and names. This is evidence of how unregulated credit reporting agencies are, and how the Enforcement Agencies are not doing their jobs. This is a sign of desperation on the part of the credit reporting agencies to make money and attack the American Consumer. CFPB has lack doing their job of Protecting the Consumer. We as the Consumer has no contract with the reporting agencies. The Reporting agencies has created bias toward XXXX groups of people. Which the major groups of people are XXXX and XXXX. These XXXX groups of people are targets by credit-reporting agencies, the agencies continue reporting fraudulent information ; ignore the Federal laws, and not properly verifying the information on the consumer credit reports. They are not showing the consumer the verified information of their process as evident of their verification. Then the credit reporting agencies lower the credit scores after the negative, collections, and wrongful information is dispute and removed. The reporting agencies continue to report the unverified information without evidence to prove the account are correct. Trans Union LLC, XXXX, XXXX has not sent the original contracts to me the consumer as evidence of their report by which the law requires. Compared to other groups of people, the XXXX XXXX 's and the XXXX 's scores remain very low despite the information on both groups ' credit reports being the same. I am reporting this information to CFPB first as an enforcement agencies as requires by law. My next step is to have both CFPB and the XXXX credit reporting agencies investigated for violation of the law, and violation of not enforcing the law ...
My now-deceased mom was offered a second mortgage for {$250000.00} on her co-op in XX/XX/XXXX when she was XXXX years old, her only income was XXXX a year social security and in poor health. The lender, XXXX XXXX XXXX, could never have expected this loan to be repaid, as it was a 30-year mortgage with the first ten years 'interest-only, ' not going to the principal. She obviously had no ability to repay but must have accepted the offer to pay other debts, including her medical bills. It was only after she passed in XX/XX/XXXX I discovered these shenanigans. But I have insufficient resources to pay this underwater mortgage. They then declared a foreclosure sale date twice, but canceled both times. Now, the servicer refuses to offer a principal reduction or deed in lieu of foreclosure, and the contact person, XXXX XXXX at Seterus, XXXX extension XXXX, does n't even answer the phone or emails! They keep sending requests for documentation of my meager income, which is irrelevant, as I am not on the mortgage and my mom left no will. When I explained this, they falsely declared I " withdrew my request for assistance. '' My question is : what benefit are citizens getting from the XXXX, XXXX XXXX settlement XXXX XXXX XXXX supposedly paid for mortgage fraud? Thank you!
The check I received from work ( XXXX XXXX XXXX ) on Friday XX/XX/XXXX for {$440.00}, which I have been depositing through Bank Of America ATMs for the last two years and which have always been paid out by the company and never caused problems. was placed on a hold by the bank. Upon calling Bank Of America to inquire about this the next morning, I was informed that the hold would last until the XXXX, and that my first {$200.00} deposited would be made available the morning of the XXXX. I need those funds to make payments by Monday XX/XX/XXXX, but the bank representative I talked to was extremely unhelpful, saying that there was nothing they could do to reverse the hold or push up the payment of the first {$200.00}, which according to their policy must be made available the day after my deposit.