WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed discover card for years. Fraudulent charges were applied to this account when card was stolen over 5 years ago. I always paid my account on time until I became aware of the fraudulent charges. I'm very dissapointed that Discover continues to report this negative charge off simply because I refuse to continue paying on a a card with charges I don't owe. I disputed with the credit bureaus and sent my FTC identity theft report ' The account status should be closed due to card being stolen or lost and the charges after the theft should be removed from my liability. I'm disputing this account as fraud and while it is being disputed internally this account should be temporarily blocked from my file until Discover makes the necessary adjustments/corrections.
I refinanced a mortgage held by Carrington Mortgage Services LLC to another financial institution in XX/XX/XXXX. I closed the refinancing on XX/XX/XXXX ; the funding was completed on XX/XX/XXXX. On XX/XX/XXXX I  contacted Carrington 's customer service department. During that call Carrington told me I was owed {$2200.00} by them and that I should receive a check for that amount in " 15 to 20 days. '' I asked to clarify that time frame further and was told to expect the payment by XXXX at the earliest and XXXX XXXX XXXX XXXX at the latest. 

I have now waited more than 23 business days and 36 calendar days -- and still have not received the {$2200.00} Carrington owes me. I have called Carrington 's Customer Service department several times ( weekly ) and all Ive gotten are excuses. I was told the check for my {$2200.00} was printed on XXXX XXXX ( XX/XX/XXXX ), and then later told it was printed on XX/XX/XXXX. I was later told the check number ( # XXXX ) and that the checks in the mail. I was later told checks take a long time to get out of the building and remember, theres lots of returns being made after XXXX so the Post Office is really busy and the checks go snail mail and its really slow as a snail. 

Ive been told to ask the mailman where it is. Ive been told to wait another week, and to wait another week and to wait a few more days and that you dont want to report that check missing, because then we just have to start the process all over again and it will take at least 30 days before another check is sent. 

It appears Carrington is deliberately slow-rolling the process of refunding money due to their customers. Request your assistance in recovering the money due to me from Carrington.
I discovered a collection on my credit report showing a balance of over {$4000.00}. When I inquired with the credit bureau and collection agency to verify the legitimacy of the bill, they simply replied back that the debt was valid without any documentation showing why or how I had incurred a debt of over {$4000.00}. 
A long time ago I went and had some XXXX procedures, while I had paid the majority of my bill, I had a small balance of {$800.00} left over. Unfortunately I did not have enough money at the time to pay the remaining part of the bill and was not able to make arrangements. I just ca n't imagine how an {$800.00} bill could balloon to over {$4000.00} and I refuse to pay this amount or have it shown on my credit report this way.
I have made over {$1600.00} worth of payments on a {$3000.00} loan as of XX/XX/XXXX, monthly payments of {$300.00} and one month {$400.00} payment. My current balance is over {$3300.00} and I don't feel this is legal. I was informed that my interest rate is 116 % and I have asked for some type of relief and I see know end in sight for this loan.
I have asked the company to removed this information from my credit report, but yet it has not been done, it is still showing up and my credit report as collection paid, closed I have disputed it with XXXX and also with the company .all I am asking for is to have it removed permanently from all of my credit files. XXXX 2016, {$570.00}. what I do n't understand is why should I keeping on disputing this from the first time I asked them to removed this debt I should have taken care of.
I am no longer a Wells Fargo customer. I received my social security back payment statement saying I was ineligible for back benefits for XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX. When I examined the amounts I realized that accounts were opened that I never had and large amounts of money were in those accounts. I have been unable to work since XX/XX/XXXX. This is causing a major problem with my benefits.
We submitted our packet to Ocwen via XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. They asked for additional documentation on XXXX/XXXX/2015. We provided requested documents on XXXX/XXXX/2015. As of XXXX/XXXX/2015, Ocwen is showing a complete financial package. Our housing counselor, XXXX XXXX with XXXX XXXX, has been in communication with Ocwen in regards to our file. In XXXX 2015, we became concerned because we were past XXXX days and still had no decision. We were told that we were waiting for a response from our investor, XXXX XXXX, and that it can sometimes take up to XXXX days for a decision. XXXX kept up contact every XXXX business days with Ocwen. As of XXXX/XXXX/2015, our last communication with Ocwen, we are still pending a decision. Our complaint is in the fact that it has been XXXX weeks, and we still have no decision. We have also submitted an escalation XXXX XXXX XXXX.
Chase flagged my account as fraud/ Abuse with XXXX. Now I can not open an account anywhere and I am a XXXX veteran who only recieves XXXX pay. This has caused me more hardship.
I have sent them certified mail to cease & desist calling my cell phone any longer. I ask them to demonstrate the entire chain of title of the said stated acct. with XXXX XXXX  aka XXXX XXXX. I ask them to provide & produce all account statements that prove the acct balance in question to be correct or provide the actual amount they paid for the XXXX XXXX acct. from XXXX XXXX. I was not notify by Portfolio Recovery Associates that they bought this account. Instead XXXX XXXX  notify me by a letter sent snail mail dated as of XX/XX/XXXX.  I now dispute the debt & sell. I could have used a debt management company to resolve the matter with XXXX XXXX. They used under handed means to get me to default on the account in the first place by lowering my XXXX XXXX line of Credit from {$2000.00} to {$1400.00} without any written notice. I got the necessary documents to prove it. I'm under some economic hardship due to a part time job and a divorce earlier in the year.
Although XXXX 's Hospital of Texas acknowledged receipt of my request that my dispute of their bill is under review, their collection agency, Financial Corporation of America, has sent me a bill.
TD Banknorth holds my Home Equity Line of Credit account number XXXX. One month ago the sent a billing to me with a payment that is 4 times what the typical payment has been. This is a adjustable rate loan with an APR of 2.74 according to their online statements and paper statements. I have sent XXXX secured messages to them on the website asking for documentation as to how the payment increased 4 times. I have recently received a letter threatening foreclosure and they are charging me late fees and reporting my loan as delinquent. I have paid as agreed and have the documentation of such. I called today to speak with their collection department and the individual gave me a multitude of wrong answers. There are no changes in my statements that would reflect anything other than the terms I have had for 10 years. If they have made changes to my Home Equity loan terms there have been no compliance documents sent at all. They are not able to provide me with any reasons why the payment has changed 4 times. They are reporting me as delinquent and sending me letters regarding foreclosure and saving my home as I am current and have been at all times.
INVESTMENT RETRIEVERSXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXXXXXXThe collection agency above has made an unauthorized hard inquiry in my XXXX credit file on XXXX/XXXX/2015 This is a serious breech of my privacy and causing financial harm to my credit score. I have never done business with this company nor authorized them to pull my credit file. Please stop this company from pulling my credit ever again. 

ThanksXXXX XXXX XXXX XXXX XXXX, CA XXXX
On XXXX my financial institution sent an electronic payment to Citi/Best Buy. The payment was due on XXXX/XXXX/17. With the banking system shut down for the holiday. My payment did not post to my account until XXXX/XXXX/17. Thus, causing the system to access my account a {$27.00} late fee. In the history of my account, I 've never had a missed and or late payment. The same system for making payments has been used every single time. After reaching out to Citi/Best Buy via chat. The associate named XXXX was able to promise an adjustment to my account for the {$27.00} incurred. The associate then proceeded to tell me that I should have used their website to make a payment. That 's it 's open 365 days per year. I do n't need someone lecturing me on how to pay my bill to your company. I 'm sure that I was not the only one caught in this dilemma with Citi/Best Buy and or other credit products you manage.
Coinbase has " blocked '' my account for some reason and wo n't let me withdraw my funds. I have {$85.00} in one of my accounts and have been trying to transfer it to my bank account for close to 3 weeks now XXXX XXXX XXXX XXXX ). Everytime I call them they either hangup in my face or do n't answer. Nothing has been done on their side to try to fix it even after being this patient.
I am single XXXX woman who is a victim of the predatory lending practices that Bank of America and Countrywide were found guilty of in XX/XX/XXXX. I have always questioned the business practices of Countrywide from day one and have filed several complaints with then Attorney General XXXX XXXX as well as the CFCB. But my mistake was I did not provided the necessary documentation to assist in my complaint .Since XX/XX/XXXX I have stated that I felt that Countrywide had inflated my appraisal so the they may close on my pay-option-arm loan. The first appraisal on my home was performed on XX/XX/XXXX and the appraisal value stated {$85000.00}. OnXX/XX/XXXX another appraisal was performed and it states the value of the home at {$110000.00}. ( 3 months later the value increased by {$21000.00} ). Both companies that performed the appraisal were hired by Countrywide d/b/a Americas Wholesale Lender. I was not aware that they were supposedly " mortgage broker '' ( as stated in CW response to my XX/XX/XXXXcompliant ). They displayed themselves as someone who was hired/or sent out by Countrywide to perform an appraisal on my home.I fully believe that when loan was transferred /or sold to Bank Of America that they were aware of the fraudulent and deceptive business practices that Countrywide did and my loan was one of the predatory loans that Countrywide was found guilty of and still are performing today ( see attachment scan XXXX ). In XX/XX/XXXX United States Attorneys Office Central District of California reached a settlement with Countrywide for 200,000 XXXX and XXXX borrowers who were placed in subprime loans and charged higher fees. ( see scan XXXX ) Please review, investigate all documentation if additional information is needed please feel free to reach out to me. Thank you
I lifted a freeze on my EXPERIAN report. I was denied credit because experian said I am deceased. 
I CAN'T get anywhere with them. They won't talk to me and just want more money to answer questions. Which they never answer. They list my credit score at XXXX. It's over 750.. 
By the way I AM NOT DEAD YET.
on X/XX/17 there was a landscaping company at my house. They had issues completing the landscaping per the design, and I asked them not to show up any more. They charged my USAA credit card in the amount of {$2200.00} and he advised me that he ( XXXX - the Superintentent on the project ) would just sign the iPad for me. I advised him he is not authorized to sign on my behalf. The credit card charge was processed, and charged to my account. When I asked USAA about the charge they opened a fraud case, they asked for a bunch of information, one of which being a quote from a landscaping company to resolve the issues. Its XX/XX/XXXX and we 're in the middle of landscaping season and all the landscapers are busy. I could n't get a quote done. While I was trying they closed the case and said that there was no " billing error '' that happened. When I called to inquire they advised me to submit a letter, and file a complaint here.
Account NameXXXX CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via Experian online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.
TOYOTA FINANCIAL SERVICES XXXX The company is reporting inaccurate information on my credit report. There should be NO LATE payments reporting as I was approved for an Extension on my loan. Please review my file and correct the errors immediately.
NationStar as a mortgage servicing company for XXXX is not customer focused and are not being transparent about their processes for making decisions that affect American Consumers. <P/>On XX/XX/XXXX, I inquired with XXXX/NationStar about the criteria to eliminate my escrow account. On XX/XX/XXXX, they shared with me that my loan to value ratio was 92 % and did not meet the 80 % criteria for elimination. That same day, XX/XX/XXXX, I sent a follow-up question about how they calculated my loan to value ratio. <P/>On XX/XX/XXXX, XXXX/NationStar shared with me that using my original loan appraisal amount of {$220000.00}, I did not meet the 80 % required loan to value ratio to eliminate the escrow and they referenced my mortgage agreement. Again, the same day, XX/XX/XXXX,  I, in turn inquired about sending a new updated loan appraisal -- at my expense -- since my home value had changed significantly since the original purchase in 2012. Since their original responses were so quick, I was confused when I did not receive a response within a week to my second follow-up question. After no response, I inquired again on XX/XX/XXXX <P/>On XX/XX/XXXX, without explanation or any information grounded in published for the customer policy or without reference to my mortgage contract, they simply stated that this would not be possible. <P/>I found this response to be inadequate, not grounded in documented policy and intentionally flippant to a very serious question posed by a paying customer. I shared with them as much and let them know that I would be sending a formal complaint about their response. XXXX/NationStar 's practice of not being completely transparent with customers about what is driving such a critical decision is unacceptable for the American consumer. <P/>I have never been behind on my mortgage payment, and have opted to pay my property taxes and property insurance myself rather than out of my escrow account to show that I am more than capable of managing these expenses myself. Again, although I am aware of the requirement and the fact that I am voluntarily doing paying these expenses outside of my escrow account this alone does not exempt me from the escrow requirement. I will say that the process for determining my loan to value ratio must be transparent and fair and this is where XXXX and NationStar is failing. <P/>Please, any assistance you can provide would be most helpful. I just want a fair assessment of my homes current value as a basis for the decision concerning my escrow requirement.
I have never received any communication from Aargon Collection Agency about reporting any negative information on my credit report. I found out about this negative item on my credit report as I am in the process of buying a house and this item came up on my report. This debt has not being verified as I have asked and this agency is in clear violation of federal laws.
XXXX direct express has allowed someone to empty my account of all my moneys and not even told me how or why they let it happen!!!, Just that they let someone wire all my savings to someplace and now its EMPTY and they wont let me know how this has happened with out my evening knowing Anything about it? 
I would like to talk to a customer service person on the phone to ask some questions about it! Not a computer voice that does not answer it just hangs up on me and says thank you good by!!!! 
My savings of over {$2000.00} fixed income for all my living needs is gone!! 
What can I do.?? Do I have any one to talk to?? And will this keep haplnging again next month when my SS check is sent? 
Any help will be VERY APPREATED!!!
On XX/XX/XXXX, I received notice that Commonwealth Financial was added back to my credit report after being disputed and removed twice. They have also changed the date of the collection to XX/XX/XXXX. This is illegal re-aging of an account! I have disputed this company twice from my credit report and they have removed the file, only to re-age it and add it back a few months later. It was removed XX/XX/XXXX and also again in XXXX of XXXX. This is the same account that they are continually re-adding back to my credit reports. I am tired of having to dispute them and then they illegally put this account back on my credit reports but with a new date.
XX/XX/2018.. I got a call from Credence Resource Management. That representative was not rude. I hung up the phone and called XXXX ... the second I called credence resource management, the guy that helped me with my account was very rude, kept interrupting me, using profanity, and bringing up subjects that did not pertain to why I was calling. I said I can only afford so much per month and he kept tryin to get XXXX dollars from me ... the representative also told me to max out my credit card, and when I said I dnt have a credit card with that much of a credit limit, he proceeded to ask me how much is on my credit card. I informed him that it is not any of his business. He kept asking me over and over again. 
I have contacted XXXX about this issue, and asked for my account to be switched to a different collection agency.
Residential Credit Solutions ( RCS ) is not reporting my payment history correctly with the credit bureaus. My loan was transferred from XXXX XXXX XXXX in XXXX XXXX, RCS did not send modification paperwork until XXXX/XXXX/XXXX. The following are the lates showing on file from XXXX XXXX - XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX days during the modification, when they would not allow me to make a payment during this process, so technically there should be no lates on file with RCS. Please review the way this is reporting as it makes no sense to me. I would like this erroneous data removed from my credit file. 
XXXX XXXX XXXX sold my loan to Residential Credit Solutions ( RCS ) in XXXX. RCS approved my modification they added 10 years to the life of the loan at the same interest ( 5.75 % ) and increased the monthly payment. My monthly payment should have decreased when they added the additional 10 years to the term. When I caught the mistake and asked them about this they said I signed the loan documents agreeing to the terms. My loan is now transferred to XXXX.
I contacted XXXX about a collection account on my credit report. I had no knowledge of this account and have never used XXXX. I have never lived at the service address on file with XXXX. I have never used XXXX and have never set up an account with them. I asked them to provide any documentation verifying I was the one who set up the account and they could not because I was not the one who set this account up. They have no lease, no picture ID, no signature, and did not have my permission to set up an account in my name.
XX/XX/XXXX I reported to Chase 6 unauthorized charges on my credit card. They cancelled card ; reissued a new one and accepted my 6 disputed charges via the phone call. They credited/resolved 2 of the 6 charges after my research showing them confusion on thier part on vendor. The 4 other disputed charges were credited and then rebilled in XX/XX/XXXX. I made several phone calls to dispute department trying to resolve charges. I received some US mail documents saying they received and will be researching. I reached out to merchant to verify if Chase had contacted them and they had received only 2 of the 4 disputes along with an email that tells merchant not to give me credit as they Chase has provided me credits.Also received some confusing documents with no information and a blanket type statement We can not continue due to lack of information. I then per thier request mailed certified documents to thier XXXX XXXX dispute department in XX/XX/XXXX. I received a letter stating this dispute has gone beyond time limits and we are closing the case. I in XX/XX/XXXX ; reached out through social media ( XXXX ) to Chase to try and resolve. We communicated and set up a time for them to call me 3 days in a row ; which they never did. 
I have all documents and copious notes of all attempts and copies of my twitter out reach with thier responses. I also have email from merchant supporting Chase neglected to dispute all 4 charges to this merchant. 
The amount of unresolved disputes is {$700.00}. 
I can also provide the reason these charges were unauthorized, if needed. 

I will send all documents if needed.
I received a bill from see CmRE financial services for {$75.00} saying that the XXXX department of XXXX has placed my account with them for collection and I contacted the XXXX department of XXXX to find out that my account is in good standing and that they never placed my account with any collection agencies including CMRE
Background check is stating that I worked in  XXXX   XXXX  California in   XXXX   XXXX   XXXX   Under the name  XXXX   XXXX   XXXX . I 've never worked in  XXXX   XXXX  California and I have not use  XXXX  sense I was married in  XXXX . I had only been license 4 months in   XXXX   XXXX  . So I need it removed from my background information.
In approximately XXXX of 2018, I was made aware of a collection account on my credit report. I was obtaining financing for a motor vehicle. The collection account was from XXXX XXXX XXXX for XXXX XXXX. The collection amount was {$1300.00}. I let the collection agency know that I did not have service with XXXX XXXX during the alleged time frame. In fact, I was not even living in an area that offers service from XXXX XXXX. I was living in XXXX XXXX, Arizona, and was taking care of my mother in law, who was terminally ill. I received a packet from XXXX XXXX about the possible ID theft. I have a few issues here : First, I have no idea where the alleged service took place. Therefore it is impossible to file a police report, as one of the first questions asked is : Where did the id theft take place?. The police will only file a report after verifying jurisdiction. Second, this debt is over 6 years old. Therefore in the State of Arizona, it is beyond the statute of limitations. XXXX XXXX is attempting to collect on a debt that is outside of the statute of limitations. I will also forward this complaint to the Attorney XXXX XXXX in the XXXX of Arizona. Third, I have never heard anything about any XXXX XXXX account until it showed on my credit report over 6 years after the fact. Fourth, I did have an issue with a family member using my information years ago. I guess that could be possible, however that family member died in XXXX of this year ( 2018 ). I ask that XXXX XXXX and XXXX XXXX remove this collection account immediately from my credit report.