WillisBack/dataset-financial-user-claim huggingface dataset:
Last summer ( I believe XXXX ) I noticed that my auto pay on my XXXX XXXX card from US Bank was making the minimum payment and I thought it was set for full balance every month. I called the bank and they said I could change this online. I made a one time balance payment and then I thought I set up auto pay for full balance each month. The auto pay portion of the web site is difficult to navigate and does n't display which balance pay option you have selected for auto pay, as far as I can tell. 
I just checked my credit report and noticed that they did not make this change, so I have been paying minimum payment the past year, exactly what I called them last summer to avoid. The bank claims I made a mistake in setting up the auto pay, which is certainly possible, but they do n't have any records one way or the other. If I did make an error, I 'm complaining that the US Bank auto pay set up is not transparent and can lead to these types of errors. If I did n't make an error, I 'm complaining that US Bank did not implement my request for full balance auto pay. Either way, it 's very difficult to tell what the account is set up to do, which will lead to these situations.
I just seen a collection from XXXX XXXX  collecting for a XXXX account which I have never had ever. This is wrong and I want it removed from my credit file. I did have identity thief back in 2006 and filed a police report I 'm hoping someone is not using my information again. I dispute this account as it does not belong to me and want it removed ASAP
I have a mortgage wi th Ocwen Loan Servicing and i hav e always made my payments on time. I received a payment coupon in  XXXX  and it showed my payment was going from {$830.00} to {$1700.00}. I was not given a reason why the payment was going up. My wife spoke to multiple people  at Ocwen and found out the reason the payment was going up was due to a mix up with the insurance. Ocwen s upposedly got the insurance problem fixed and told me the  XXXX  payment was to be {$830.00} and that if I paid {$500.00} toward the escrow account my  XXXX  payment would be {$830.00}. I mailed a payment  to Owcen for t he {$830.00} which was cashed on the  XXXX  and now  Ocwen is tell ing me they never recevied that payme nt. Ocwen the n refunded me {$870.00} on  XXXX  the  XXXX  and are now telling me the  XXXX  payment was never received and are now reporting me delinquent with the credit bureaus. I 've got nothing but a run around with  Ocwen and just want to get this resolved as soon as possible. Ocwen has directed me to send a copy of the cancelled check that they cashed to their research department. I 'm just a fraid this process is going to take too long. They have already sent me a notice that they are going to foreclose if I do n't bring my account current.
Convergent Outsourcing Inc has placed a collection item on my report from XXXX for equipment that was returned when services were canceled. I 've never received any documentation notifying me of this collection and this item needs to be removed from the report.
According to their website : XXXX XXXX XXXX Equifax " ... believe that your personal information may have been impacted by this incident. '' Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk for identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I have repeatedly disputed this account with the collection agency, XXXX XXXX XXXX, Equifax and XXXX. However, this account remains on my report as being accurate. However no one can provide proof of this debt, EOBs from insurance companies, bills, etc. I have been insured on a constant basis and I should not EVER have a medical bill with a balance this large. I get ZERO cooperation from the credit reporting agency. I do not believe I owe this collection account of {$860.00}.
I purchased my home in XXXX with a 1st and 2nd mortgage. Ocwen currently owns the servicing of both of my mortgages. My 1st mortgage was a XXXX Interest Only and now adjusts every 6 mos. My 2nd mortgage is a 30 due in 15 with an interest rate of XXXX %. Due to the housing market crash in XXXX, I was not able to refinance because I now owe more than my condo is worth. Since I pay my mortgage on time each month and not in default, I was told my 1st and 2nd mortgages could not be modified. Since I am not able to refinance due to my current value vs. what I owe and Ocwen is not willing to help, I am left in a situation to worry about the payment adjusting every month months, rates increasing and paying on a 2nd mortgage with high rate that will be due in 3 yrs,
I am still waiting for PennyMac to release insurance funds meant to pay for a repaired roof. 
The XXXX tree that snapped and fell on my house in XXXX has been removed, the roof repaired, inspected, and all requested documents have been received, yet PennyMac refuses to say when I can expect to receive the check. Their representatives reveal new and unexpected delays every time I call, always adding that I can expect further delays if something unforeseen arises. Tomorrow will be XXXX XXXX, and PennyMac expresses no regret that I and my family have been severely inconvenienced by what appears to be a deliberate strategy to earn as much interest on the funds as possible. Numerous allegations of loss draft fraud by PennyMac can be found online. All contain similar stories, and advise customers to reach out to agencies such as this, and the state attorney general 's office as the only reliable way to encourage PennyMac to uphold its obligation, and not exacerbate catastrophes simply to make a few a dollars at their customers ' expense. When I asked if there is anyway to expedite this process, their representative told me that my case would " have to wait just like all the others. '' I should add that my mortgage payments have never been late, and that I had no reason to anticipate such blatant disregard for my time and situation. Travel plans have had to be postponed due to these unjustified delays, and I am deeply XXXX to pay the contractor whose urgent work was done in a timely manner. How many more months will it take for PennyMac to release the funds? How long can they legally postpone payment by claiming their various internal procedures must first be met, like XXXX to 5 days for each of several stages, like requesting the check, receiving it, sending it, and XXXX delivering it? I do n't believe these delays are legitimate, but merely designed to take advantage of their customers during a time when cooperation from their lender is most needed. It is a shameful and demeaning way to operate a business.
On XX/XX/XXXX, I received a call from XXXX from Cambridge Asset Management. She asked me if I knew that there was a claim filed under my SSN. I asked XXXX what this was in reference to. She stated that in 2010, I got a payday loan from XXXX or one of its companies, and that I wrote a check from my checking account from XXXX. I explained to XXXX that I do have an account from XXXX, but it is not a checking account, I only have a savings account there. She told me that I did have a checking account from XXXX, and that I did write a false check. She said that, it is a felony, and that I will be charged with check fraud if I did n't pay them. I explained to XXXX that I would be filing a complaint against her company that she then said that my phone was breaking up and she hung up. Only XX/XX/XXXX, I received another call from Cambridge Asset Management, and I did not answer the phone.
I have already disputed this and won but they didn't remove it from all 3 credit bureaus.
I closed on my home in XXXX 2015. When looking for my home we made it very clear to the real estate agent and the mortgage broker what our monthly payments can not exceed. Yesterday I saw a letter from the mortgage company that my escrow account is short {$3100.00}. This would increase my monthly payment to {$2200.00} from {$2000.00}. I can not afford the lump sum payment not the additional money on the mortgage payment. How can the mortgage broker grossly underestimate the escrow amounts? The mortgage broker was recommend to us from the real estate agent. We talked at length and after some research he had the best mortgage rates.
I have been assigned a single point of contact with Bank of America. XXXX XXXX is the assigned contact. I have left XXXX voice mails and sent daily emails for the last 41 days without a response. I received multiple letters on XXXX XXXX from Bank of America that I was approved for a loan modification and also that I have received only XXXX modification. They are attempting to mislead me and not provide me with the loan medication they promised.
I received an updated credit report today from experian. My dispute with them did not fix errors on my report. I am uploading a copy of the accounts they are still reporting and also uploading proof from XXXX  credit reporting agency that these accounts were deleted off my report after there investigation. If experian did a true investigation they would receive the same response as XXXX  did. ( to delete off my report ). Having this wrong incorrect information reporting is affecting my credit score. I am seeking for experian to do the right thing as they are messing with my credit by not deleting these accounts that do not belong reporting. Also XXXX XXXX XXXX does not belong on my credit report as well. I am submitting proof these accounts were deleted from equifax credit reporting agency. Experian please stop just updating the information and do a true investigation this has been going on for months now. This is my credit worthiness.
It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.
In XX/XX/XXXX I applied and received a XXXX Credit Card. Over the years I have struggled to pay this card down. In XX/XX/XXXX I contacted XXXX to plead for assistance. This was not the first time I had done this. They asked me multiple questions about my income and bills i have to pay. That is when they offered me a financial assistance program. My amount due each month was XXXX dollars. If I continued paying this amount long term, It would pay off my account. I set up automatic payments and they could only set up 12 months worth of payments. In XX/XX/XXXX, I called XXXX back to set up another 12 months of payments. On XX/XX/XXXX I went into my local credit union and met with a loan specialist. I needed to do some repairs on my house and needed a small loan. The bank ran my credit report. I was denied because XXXX has been reporting me late every month. How can this be when they take the money automatically each month. I called XXXX that day and was told when I signed up for the payment plan i was 90 days past due. I would have had to pay 3 months worth of payments upfront to bring me current. I have paid over 300 dollars since I first signed up, yet I am still past due. Today, XX/XX/XXXX, I called XXXX again and spoke to an executive specialist. She told me that my minimum due is XXXX dollars each month and that doesn't change even though they enrolled me in a payment plan. On my credit report it states that I owe XXXX a month and that I pay XXXX a month. But behind the scenes they are saying I actually owe XXXX but I am only paying XXXX. This is completely deceptive to me and anyone else on this payment plan.
I was told there were no alternative options for repayment of my loans when i first graduated with my XXXX degree by several representatives at Navient. I felt like continuing my education was the only option to avoid default. I have now recieved my XXXX degree and asked for manageable payments only to be told, they have to have at leaset XXXX % of my discretionary pay.. this is insanely injust considering my personal situation.
I receive phone calls from XXXX saying they are XXXX  XXXX XXXX in regard to a debt collection. Recording asks me to call XXXX. I have reported this company in the past and they continue to call repeatedly. Most recent calls were on XX/XX/17 at XXXX XXXX and XX/X/17 at XXXX XXXX I have also been receiving phone calls from a local number in XXXX XXXX XXXX FL
My wife had a XXXX back at end of XXXX and has finally returned to work full time at end of XXXX. I reached out to XXXX and asked about assistance with out payments and tried to work out something since we fell behind from XXXX to XXXX - due to wifes medical problems. 

I submitted all of the docs required by XXXX and they reviewed the account. They sent me multiple payment plans to try to get caught up. However, my normal payment is XXXX. They new payments proposed by XXXX were over {$1900.00}. If I was having an issue paying XXXX how can I afford over XXXX. 

I had asked about even doing a interest only payment for a few months and they denied this as well. 

I was asked on XXXX to resubmit new docs for assistance. I have submitted these docs 3 times over the last 3 months. 

I need help to get caught up. I would like to pay interest only for 3-4 months starting in XXXX or would like to have the missed payments added to the end of my loan and start paying the XXXX beginning in XXXX or XXXX.
I DID AGREE FOR LEASE A DEVISE WITH BANK FOR THE AMOUNT OF {$50.00} A MONTH and they on firs payment took from my bank {$83.00} because i refuse to pay {$83.00} the bank now took my action to colection and treat me to report a XXXX.The persson from the bank refuse my call and all the want is " pay the amount what they want it '' no what was on the agree.
I am attempting to sign up for the Equifax Data Breach and free credit protection. The web site is always down and the phone number they provide is always busy so you can not get through to them. I tried to enroll and then the site went down so there is no way to confirm whether I am actually enrolled in the system. This is a disaster.
I applie d for American Express Delta Gold Rewards Card.  I was told I would get  XXXX  miles if I charged {$1000.00} in 3 months. I was approved. I went on the  American Express websi te to get more information about the company and my particular credit card I was receiving. On the website the promotion is for  XXXX  bonus miles to anyone that is approved and spends {$1000.00} in 4 months. On  XXXX  I called to complain about how unfair this was and the rep told me that unfortunately that is what I signed up for. I went on  Twitter  and the rep  XXXX  stated " We have no recourse in this matter. '' I called again that day and spoke to "  XXXX  '' who seemed sympathetic to my situation. He said he would submit the request for the correction for the better deal. I have not heard anything since.
AFNI, INC HAS BEEN NOTIFIED. SEE ATTACHMENT I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items

: 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate AFNI, Inc has committed the following violations : Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Hi, XXXX of my credit card charged deferred interest rate after 1 year of 0 % APR. In the beginning they said 2 year 0 % APR and later the later they said 1 year 0 % APR and at the end of 1 year of promotion. They charged around {$1900.00} as interest in my balance as deferred interest. Can they charge that high as deferred interest? I have never heard of it. 

Thank you
On or around XXXX XXXX of this year, i wanted to get an increase in my credit limit with my XXXX XXXX credit card issued by Citi. I applied online to get an increase in credit line. They emailed me back asking me to call a particular number. When i called the number the representative said she needed to run credit to see if i qualify for an increase in line. I told the rep that i only want an increase in the line WITHOUT running my credit as i did not want to impact my credit report and XXXX score. I explicitly said NO to running hard credit over the phone. But they ran it anyway and it showed up on my credit report and impacted my XXXX score. I tried to get in touch with the company to rectify the issue and also asked them how they could run my credit without my authorization. I have a chat session saved that i had with XXXX of the company 's reps XXXX XXXX XXXX who admitted it was a FCRA violation and that she had forwarded to the concerned department and that i will get a call back. I had to call them to get a call back and when i spoke to the person that called me, they said everything was ok and there was no issue on their end. I asked them to pull the call and listen to it as i had explicitly said not to run a hard credit. I also said how XXXX had agreed it was a violation. I asked if they had a record of my authorization, and he said i would need to a subpoena to get that information. This is ridiculous and completely unprofessional and unethical.
Bank of America contacted me and issued a new credit card because " an undisclosed merchant '' had compromised my data. When I called and requested the name of the merchant, they said they did not know and I would have to call XXXX. I asked to talk to a supervisor who told me that calling XXXX would be futile as they also would not tell me what merchant had compromised my information. I want to know what happened so I can determine whether I want to continue to do business with the merchant.
First ... .the above question is n't applicable so I did n't know what to put but it made me put something. 

I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX Clinic about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. 
I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on XXXX XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land Collections. 
I do n't know what to do.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my  Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I get a call from Vital Recovery every day. The number is XXXX. They are trying to collect a debt from XXXX XXXX. There is no XXXX XXXX associated with my phone number. I have repeatedly told everyone who calls to remove my number because there is no XXXX XXXX at my number. Still the calls continue literally EVERY day.
EXPERIAN : Is refusing to remove " Fraudulent Inquiries '' from my credit report, after I provided them with ; FTC Report, Police Report and proper ID. 




Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
A XXXX XXXX bill which was the sole responsibility of the XXXX XXXX health insurance plan through my current employer XXXX XXXX who has agreed to pay all insurance claims relative to the XXXX XXXX XXXX I experienced in XX/XX/XXXX, is now showing up on my credit report even after I retained legal representation to resolve the matter in anticipation of this happening. XXXX has agreed to pay all XXXX costs associated with my XXXX  after receiving a demand letter from my attorney but has evidently not paid the outstanding debt they agreed to pay via their legal contractual obligation of my health insurance policy with them at the time which is also is still in force. I have been with the company for over 10 years and was insured under their health insurance plan at the time of the XXXX. They illegally terminated my health insurance without any notification to me on XX/XX/XXXXbut yet cashed another premium payment on XX/XX/XXXX and tried to get out from under their legal obligation to pay the rest of my XXXX  costs which is the bill being disputed on my credit report.
Received an offer from American Express to pay my cable bill. In return for paying my XXXX bill with my American Express Card, I would get a XXXX percent credit. I enrolled in the program on XX/XX/XXXX and received a credit on my XXXX and XXXX AMEX bills. My XXXX bill did not have the credit. I called American Express to find out why and was referred to the original offer ( attached ), which says " OFFER ENDS XX/XX/XXXX ''. The " offer '' was to sign up for the XXXX % savings. The average person would interpret " OFFER ENDS XX/XX/XXXX '' to mean that they had until XXXX to sign up for the offer. American Express told me that meant the XXXX % discount ended on XX/XX/XXXX! Using AMEX 's interpretation, the offer was deceptive. I would not have bothered to sign up for it if the savings were for only two months.