WillisBack/dataset-financial-user-claim huggingface dataset:
We purchased a new modular home XX/XX/2007, with XXXX XXXX XXXX in XXXX XXXX, TX we closed at XXXX XXXX XXXX with XXXX XXXX in XXXX, TX. Closed on a Modular Home I have all documentation. The manufacturer is XXXX in XXXX, TX contact XXXX XXXX, invoice from them shows Modular Home, I called them and he confirmed we have a manufactured home with the serial numbers. We got a loan with XXXX XXXXXXXX XXXX XXXXXXXX for XXXX they transferred our loan to XXXX XXXX XXXX which they transferred it to Carrington Mortgage. Which its been 11 years we have been making notes on our house, yes we just found this out when we received a tax bill for a manufactured house, needless to say our house we have been living in is in someone elses name in a completely different county. A Modular Home is constructed like a home you would build on your land so yes a Modular is  more expensive, we put XXXX down XX/XX/2007 a manufactured home is way less, inspite of this fraud we also have been carrying homeowners insurance on a Modular House for 11 years. My husband is XXXX and all this maintaining and money we have to put into this manufactured home is making is XXXX XXXX worse, let alone we are on a fixed income. I just want help from all parties because this is fraudulent. I have all and any documentation if needed. Thank you for your time.
I am writing this complaint to formally request a resolution of my fraud claim with XXXX XXXX XXXX. Ive been a victim of fraud and discovered the fraud when I tried to apply with Navy Federal Credit Union in XX/XX/XXXX online, the system stated that I already had an account with Navy Federal Credit Union and to call customer service. I called customer service and a representative stated that there was an account in my name opened around XX/XX/XXXX and is in default, which I wasnt aware of. Then the representative assisted me with opening a fraud claim, she then stated to me that someone in the Security Department will be contacting me. 

On XX/XX/XXXX, I spoke with XXXX XXXX in the Security Department, there was several questions which I answered, I then verified that the Drivers License number on file was incorrect. After speaking with XXXX XXXX, I then proceeded with a police report as well as an Identity Theft Report with Federal Trade Commission ( FTC ), I made a copy of my Drivers License and faxed over the ID Theft report, police report and Driver 's license to XXXX XXXX in the Security Department with Navy Federal Credit Union. I was shocked and upset that XXXX XXXX sent me a correspondence on XX/XX/XXXX and stated that there was no error. I felt my claim was convoluted due to the fact that I was n't complaining about an error, I was complaining about fraud involving my social security number and identity. To my understanding XXXX XXXX never investigated fraud because if he did, he would have found that it was n't me that opened the account in the year XX/XX/XXXX. 

After receiving the correspondence from XXXX XXXX I called Customer Service and they instructed to write an appeal. I did so and faxed it to XXXX XXXX XXXX in the Security Department and received no response to my appeal. I have exhausted my resources to try to resolve this issue on my own. I am seeking fairness in this matter that I should not be prevented from banking with Navy Federal due to me being a victim of Identity fraud in XX/XX/XXXX.
In 2009 I had an IRS tax lien. Tax lien now paid in full.
While going through a divorce, my exhusband stopped paying on the account even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/XXXX, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/XXXX. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.
I purchased a house in XXXX in New Mexico, through XXXX. The first loan was for $ XXXX, a secondary loan for $ XXXX. The XXXX loans were then sold to XXXX, then sold to XXXX XXXX XXXX, then to Green Tree Servicing LLC -- XXXX institutions in 4 years. By XXXX, when the mortgage payments kept going up, we lived on our credit cards and loans from family members in order to keep afloat. My XXXX children and I could no longer continue like this. I contacted XXXX XXXX XXXX and Green Tree to notify them we would n't be able to continue making payments. I then contacted Realtors attempting to place the house with them to cover the mortgage. I was told the large house would n't move for months. My children and I moved to more affordable housing out of state. We left the house in pristine condition : cleaned throughout, new paint in the guest house, septic system cleaned, termite inspection conducted, another refrigerator in the garage, and turned the house keys over to a neighbor so the house could be inspected -- in other words, all done in good faith. I tried working with Green Tree Servicing to have them handle the sale of the house, but was told by XXXX of their departments that I was 'an absentee landlord ' who only wanted to capitalize on this empty house and profit from being an absentee landlord. With a Realtor in NM, I tried short-selling the house so it would n't go into foreclosure/sheriff 's sale, had several potential buyers, but Green Tree refused to consider the offers. After that, a sheriff 's sale was speedily arranged, and took place in XXXX XXXX with Green Tree Servicing selling the property to itself for $ XXXX. I was hounded by Green Tree for the whole loan itself, when I had been paying $ XXXX on the $ XXXX, and $ XXXX on the $ XXXX for 49 months. Strangely enough, little of those mortgage monies were ever credited to the loans. The $ XXXX was charged off and I was sent a form showing that I 'earned ' close to $ XXXX. My math indicates $ XXXX. Now Green Tree Servicing has sold the ' $ XXXX ' ( should be $ XXXX ) to another financial company : Ditech Financial LLC XXXX which is notifying me that I owe {$48000.00}. XXXX for these financial institutions. My family and I are still scrambling to recover from this financial disaster. The banks/financial organizations are still selling this paper to XXXX another and making money on it.
I paid XXXX XXXX XXXX XXXX XXXX {$18.00} by XXXX Check # XXXX dated XX/XX/2018. They kept billing me for the same amount. Eventually they referred the bill to a collection agency that is now trying to collect this amount. The collection agency is Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX. I notified Transworld that the debt was paid but they keep billing me and attempting to collect.
Are clearly violating my rights as a consumer, send them a request for validation, which received the day XXXX/XXXX/2016 signed be XXXX XXXX XXXX at XXXX XXXX and show proof on this site today after 30 days without being requested by law this account must be removed, never received any attempt to collect on this account, and giving me the right to dispute partially or totally the balance in question, if so, I authorize to show on this site that document and copy of receipt in my home, are trying to expand with explanations baseless this situation, the law is clear and concise, it is illegal to report unverifiable and inaccurate accounts on credit reports for consumers, it 's my choice how I choose to communication with your company, in this case the mail, under the FDCPA and FCRA if not received the requested information, are obliged to remove this information from your report from Equifax, authorize that 's to disclose any information provided to show my signature accepting responsibility for this debt, if they continue forcing report this account without legal base, will play his response to the FTC check the database CFPB, which is effectively a clear violation of consumer rights, and to take appropriate action against your company, agree not to wait for the system to be updated within 30 to 45 days, you can remove that information when they choose, each day this in my report is illegal
XXXX XXXX is a collection agency claiming that I owe {$670.00} from a XXXX XXXX credit card. On XX/XX/2018 I mailed a letter to dispute the claim, requesting the debt be validated. The letter was delivered on XX/XX/2018 with them responding on XX/XX/2018 not validating the debt. My credit report was not marked disputed on XX/XX/2018. I sent another letter delivered on XX/XX/2018. I have tried to resolve this issue with all 3 credit reporting agencies. They continue to verify the debt without any validation.
In XX/XX/XXXX I filed a complaint with CFPB case number XXXX, to remove two Old closed XXXX XXXX accounts from All three 4 credit reporting agencies-XXXX, XXXX, XXXX, and XXXX.After CFPB investigation, One Synchrony car care was removed/deleted from all reports except the other Synchrony car care which shows on my XXXX, XXXX, XXXX.On XX/XX/XXXX, I called customer service at XXXX, XXXX, XXXX and they all stated that I need to call XXXX XXXX XXXX XXXX to resolve this issue.Ive tried calling XXXX XXXX regarding this issue and cant get anyone on the phone and left XXXX XXXX consumer relations a message a few times in the past week but she will not return my call as well.Once again, This Synchrony car care on my credit reports shows, Status is closed, Joint account, opened XX/XX/XXXX, closed XX/XX/XXXX, last payment on XX/XX/XXXX.It also shows under payment history that last payment was in XX/XX/XXXX.So the information is incorrect as well.Im requesting that this account is removed from ALL credit reporting agencies.Because this account has not been removed, It has caused my credit scores to go down.Recap, Previously I filed complaint cause two synchrony car care shows up on all 3 major credit bureaus as old accounts that should have been removed.After investigation only one synchrony car care was removed and the other remained.Im filing this complaint to get other removed from all credit reporting agencies
There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  to address this issue. The case number is :  XXXX .
On or about XXXX XXXX I have been sending Letters to XXXX and XXXX with respects to reporting my Bloomingdale 's account 60 days late, when in fact it was not. Each response I received was that it was " previously verified ''. 
I also made contact with Bloomingdale 's in XXXX XXXX, and spoke with a customer service representative requesting that they investigate this information and to date this matter has not been resolved. 
Bloomingdales and XXXX are reporting my account 60 days late when in fact it was not. Each letter sent is being responded as " verified '' I made numerous calls and attempting to clarify this and they have not made any resolution. I have explained to the customer service representative how can I be " current '' in XXXX and " XXXX '' days late in XXXX XXXX. In addition, on or about XXXX XXXX, XXXX I spoke to a representative by the name of XXXX which informed me that they will issue me a credit for {$1100.00} for billing me for a credit protection program I never signed up for. I was further instructed that I do not need to make my monthly minimum payment of {$110.00} since I was being issued a credit for the above amount. On XXXX XXXX, XXXX, I received an alert from my creditreport.com stating that I was late 30 days with Bloomingdale. 
I immediately contacted Bloomingdales and explained to them what I was instructed and have I know I would have been marked " 30 days '' late I would have made my payment. XXXX XXXX XXXX advised me that I need to pay {$110.00} and then they will issue me a credit for {$18.00} when I got charged {$35.00} late fees. I was also instructed that I would need to pay the full balance due of {$170.00} in order for Bloomingdale 's to remove the item from my file. I explained to the representative that what they are doing was forcing me to pay for a balance that is not due. My XXXX bill is due XXXX XXXX, XXXX. 
Bloomingdale 'sXXXX and XXXX is defaming my character and adding incorrect information on my credit file when in fact it is not accurate. I have been a customer since XXXX XXXX and have always made my payments timely. This adverse information on my credit file is not showing any potential lender my ability to make payments timely. Bloomingdale 's is merely abusing their authority by placing invalidated information on my file. 
Bloomingdale 'sXXXX and XXXX, act by reporting inaccurate information to my file constitutes fraud under both Federal and State Laws. Due to this fact, Bloomingdale 's, XXXX and XXXX has violated the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act and have Defamed my character. Simply matching numbers in a database is not sufficient in validating a person 's account. In addition each inquiry to validate a complaint should be treated as a new complaint not only to indicate to a consumer that the matter was " previously verified ''. I am requesting that these negative items be removed from my file.
XXXX my sophomore year at XXXX my family and I decided to use Salli Mae as a provider to cover my remaining portions of loans I had left over from the stafford loans I received. It was a sum of a little under 8000. During that process I talked to a employee and was assured numerous time that my loan would n't not have to repaid until I was finished with school. However, after the process was done we began getting calls on collections of the bill and were going to begin on the repayment plan. Confused, we called and talked to numerous employees and were told the same thing, what we filled out was not what we thought it was. Me and my father filled out the paperwork with a employee and were assured by her and by slogans on the website that loans would n't have to begin to be repaid until after college. They gave us no options when asked about other methods of repayment and were constantly hounding me and my family about the repayments, even stating we should pay a higher amount to get the loan paid for quicker. After discussing our options, the loan was then consolidated onto my parents so we could begin repaying what we felt was ok. It was one of the most confusing, frustrating, and disappointing process of my life knowing that I signed my parents up with a provider who cares nothing about our lives, but only about making money. They played us and in the process took us as fools.
Company : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone ; XXXX XXXX Debt collector company reach me attempt to collect a debt to First Cash File number XXXX I make a payment arrangement with them and I paid them XXXX. XXXX to charge off XXXX. I try to reach them back i never get the communication, they do not sent me the receipt the same day until I contact them and I leave a voice mail because they never answer the phone. I suppose to paid XXXX on the XXXX but I do not paid because when I try to reach this company nobody answer. I try to many time to reach them back I never get a respond. I get bad vibes, I look online I don't find this company online look by the phone and people talk about this is a scam. They call me back today XXXX because they can not process the amount of XXXX. I explain everything to XXXX that is the name of the person that call me. She gave me the website but I never find that website ; XXXX. We have a little discussion but I do not want to continue with this so I hang up. That's why im making this complain. To see if this company can check if this is true or is a scam. Also help other with my experience.
ON XX/XX/2017 XXXX XXXX MY XXXX XXXX XXXX WAS REPOSSESSED. I WAS IN CONTACT W/ LENDER ABOUT MY DEFAULT ACCT AND MADE SURE I MADE VERBAL CONTACT SO THAT MY PROPERTY WAS NOT SEIZED. COMPANY DID ANYWAYS. I HAD TALKED TO CSR 3X WEEK AND A DAY PRIOR TO REPO AND WAS NOT GIVEN ANY NOTICES AND I ASKED IF MY VEHICLE WAS OUT FOR REPO. CSR STATED NONE OF THAT INFO. WHEN REPOSSESSION OCCURRED COMPANY TOLD ME THAT A REPO EMAIL CAME IN EARLIER THAT WEEK THE NIGHT BEFORE I CALLED COMPANY CSR FAILED TO CHECK HER EMAIL AND THATS WHY SHE DIDNT KNOW MY CAR WAS OUT FOR REPO WHEN I ASKED. MY VEHICLE WAS IN A CAR WRECK PREVIOUSLY AND I COMMUNICATED THAT W/ COMPANY AND THEY STATED THAT IT WOULD BE OK. MY ALMOST LOST MY HUSBAND IN CAR ACCIDENT AND I HAVE BEEN THE ONLY WORKING SPOUSE IN MY HOUSEHOLD AS WELL AS CARING FOR MY HUSBAND. I EXPLAINED ALL THIS TO COMPANY AND THEY MADE IT SEEM AS LONG AS I WAS IN COMMUNICATION MY VEHICLE WAS OK. THIS WAS TOTALLY DECEPTION BY FAR. WHEN TALKING TO DISTRICT MANAGER I WAS LAUGHED AT AND ALSO COULD N'T GET A DIRECT ANSWER WHEN I ASKED '' SO I WAS UNAWARE OF MY CAR WAS OUT FOR REPO DUE TO NO ONE CHECKING EMAIL. WHEN REPO OCCURED BREACH OF PEACE WAS INVOLVED ALSO. REPOSSESSION AUTHORITY KNOCKED ON MY DOOR ABRUPTLY AND I WAS SCARED TO OPEN DOOR I WENT OUT THE BACK OF MY PATIO AND MET HIM IN FRONT. AS I WALKED UP TO HIM I ASK WHY HE HOOKED MY CAR AND I JUST SPOKE TO COMPANY 24 HRS PRIOR AUTHORITY  TOLD ME TO CALL STORE ASK I WALKED LITERALLY 5 FEET TO MY DOOR TO GRAB MY PHONE TOW TRUCK TOOK OFF AND SPED THRU A SEWAGE HOLE RAN APT COMMUNITY STOP SIGN AND 1ST STOPLIGHT ON CORNER.
I received an update on my credit reports stating that I owed capital one auto finance XXXX for a auto loan that was not in my name. My name was fraudulently added to this account and I have provided evidence to the company in form of a filed police report stating that I have not opened an account with this company. This account has been reporting on my report for 7 years now. I can not get extended credit due to this account inaccurate reporting. I have tried everything possible to resolve this issue my next step is to file a lawsuit against capital one for their unethical collection practices.
Dear XXXX, I wish I could stop reporting Citibank every year to you, but hey continue to be clandestine about my closed credit card account balance. They just send ACH date and amount to be debited. 
On XXXX XXXX, XXXX I called Citibank 's IRU re : the current balance of credit card account ending in XXXX. The amount is never listed.The rep told me the amount and that fee 's and interest had accrued. I challenge the amount which the rep said was {$1300.00}. Citibank has never listed the balance each time they ACH my checking account. To add insult to injury the rep told me I made payment arrangements on XXXX XXXX, XXXX. I have documentation going back to XXXX, XXXX. Unfortunately I had to report Citi 's ruthless and unfair consumer tactics ( XXXX other accounts were also involved ) to the CFPB. Due to the bureaus intervention, XXXX of Citi 's client liaison 's assisted with all of the accounts with affordable and reasonable payments.The closed credit card payments were reduced from {$170.00} to {$70.00}. 
I feel that, again, Citibank is taking advantage of me! I never know my balance after each payment. If the Citi rep told me the arrangements were setup in XXXX XXXX, it seems past payments were not applied.
Manipulated Interest Rate Charged Capital One Bank indulged with internal manipulation of interest rate with certain value with proportional percentage based on the internal value management prescriptions. The interest rate on purchases us 24.24 % and Cash Advance is 24.24 % I have a balance of {$4900.00} and the interest charged was {$140.00}. I have tried every best financial calculation to justifying the interest rate charged at {$140.00} with 24.24 %. I called the staff and with explanation that certain percentage was manipulated with different rates. I was surprise with the internal management indulgent with associated unjustified charges and variation of interest charges with different co-efficient factors from Capital One Bank This is my second complaints that I ask the FTC for the investigation
Contacted my lender because my home has incurred significant damage from Hurricane XXXX & I have lost income because my employer has lost electric service as well as I have lost electric on my own home as well. I asked for fourbearance. And they said the only program they could offer was that I could be late for with my mortgage payment for 3 months with no late fees or negative report on my credit but the entire 3 month balance would be due by month 4. They would not agree to defer the payments to the end of my loan in order to allow me to pay for the repairs to my home which will cost me my hurricane deductible in the amount of {$6000.00}. 

I understand other lenders are agreeing to allow to defer the 3 months of payments to the end of the loan to allow the owners to pay for repairs to their home.
My daughter has been paying my credit card every month on the same date. Now all of sudden Capital One post on my online account this Noticed " Oops! Looks like your account is behind. You can easily make a payment now or learn about missed payments. If you recently made a payment, you can check the status. Thanks! " I have call them and ask why all of sudden my payment is so call late when we pay every month the same date. The agent was rude and telling me that I have n't made a payment. But I can show payment are done every month on between date of XX/XX/XXXX to XX/XX/XXXX. We even pay online through their website the so call {$100.00} I was so call late on. Still that Alert on my capital one account.
the company which is trying to collect a debt on already deleted file from my credit score, they are debt buyers and purchased a false debt which has been resolved in the past and since they saw my credit scores go up as i have worked so hard to get it they posted an already settled, deleted file as portraying to be different lender or different loan on the same issue from 7 years ago. so far they have only posted on XXXX and i have disputed that yesterday but now my scores went down significantly and it is hurting me due to their illegal report and deceptive practice. 
the claim is already false as i was an employee of the represented company and lived in the company provided accommodation and some equipment was in counted for which was retrieved by them from another employee and i was cleared of the issue. however that company went into different owner ship and the subject was triggered gain with this false claim.
I have ben receiving calls from XXXX XXXX saying they were representing Providian National Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.