WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to access my free annual credit reports online at XXXX today, XXXX/17, and after receiving and downloading the first report from Trans Union, I followed the prompts to return to the site to get the next report. I clicked to link to get the next report and was taken to a blank page with no indication of action happening. After 30-45 seconds, I clicked the " back '' button only to discover that the site thought I had already seen and downloaded my second report. I followed the link to receive my next report again, and the same thing happened. I clicked the back button again, thinking I could try again and was told something like, " see you next year when you can get your free report again. '' I never received two of the three reports due to website issues on their end and I am furious. 
I called their phone number to try and receive the reports by mail, but since they probably think I got the reports online ( even though I DID N'T ), I feel sure wo n't get them. I do n't want to wait and try to find out. I am being proactive and trying to deal with it now, but there is no actual way to contact the service, so I feel like I 'm totally screwed. I want the free annual copies of my XXXX and XXXX reports that I am entitled to and I do not want to be punished for poor website functioning. Please help.
My mother had a debt that was settled with her retirement home. She got numerous calls after I removed her from the home due to abuse that was reported previous to her moving and after. After that she got a demand letter and a filing from Hunter Warfield for approximately 15k which was never what she owed to start before being settled. XXXX XXXX belittled my elderly mom and scared her. She had me take over trying to deal with him. He and I did not get along and he would not listen so he decided it was best to call my mom and do it over to her. I filed with a lawfirm for her and she spoke to them they said that they could get it settled I said I am not settling for a debt that I dealt with them for that was a year ago. Well about 2 weeks ago I got a collection on my report for XXXX and I have never signed anything for her I was not even in the same state when she went into the retirement home. I started looking for a law firm to sue and see that this is a normal practice of these XXXX. I want to stop this. They need to remove from my report immediately as there are many damages as I support my mom and she has altheimers and I have been looking for a loan for her to get complete medical care that XXXX and XXXX XXXX and XXXX XXXX will not cover and of course they pulled this and see this collection and now I am unable to do this ... I am contacting all places needed to resolve this and attorney generals. I contacted the original creditor they do not know how they got my social security number so this is very serious in my book.
Midwest Recovery systems located at XXXX XXXX XXXX XXXX XXXX Mo. Has attached a collection account in the amount of {$640.00} to all 3 credit reporting bureaus. 

I do not know who this company is and have never received any documentation from them at all none whatsoever. I am disputing the account as not mine and suspect this is a fraudulent attempt to collect monies not owed.
on XX/XX/2016 I switched from XXXX to XXXX and got a new XXXX. 13 days later, I returned the phone to the store where I got it and canceled my contract because the phone service was not good where I lived. my contractor gave me 14 days to return the phone and cancel if I was n't satisfied. Despite returning the phone I was later billed by sprint as if I never returned The phone. I have all the paperwork to prove that I return the phone within the 14 day window and should not be charged anything. I have called XXXX numerous times to resolve this but despite their promises my bill was sent to collection and sits at {$640.00}.
While reviewing my credit report XXXX 2017 - I have a debt amount {$1500.00} with Pinnancle/Resurgent. I do not owe this and have NO CONTRACT.
I made a check deposit on XXXX/XXXX/2015 at Wells Fargo bank in XXXX oregon yesterday and because the bank created an overdraft two times in 6 months they put a 10 day hold on the check we checked the account the check was drawn on and the check was paid. I called wellsfargo and informed them that the check was paid last night and that I wanted the money made availe I was informed that was n't going to happen. 

Yesterday as every month I made payments to my credit card it was noted and pending yesterday but today the payments are not there the bank said I did not make the paymentsAnd that my balance is XXXX+ this is how the bank causes an overdraft they force this by deceptive practices This has got to stop it is unfair that a bank can keep me from paying my bills with my money and that a draft that they have gotten paid on remains on hold this was never disclosed to me at the time of opening the account.
I just received a letter from XXXX XXXX XXXX, XXXX that Nationstar Mortgage has asked them to foreclose on my house, XXXX XXXX, XXXX, VA XXXX. The date of foreclosure was not provided. Mean while I will respond to their letter and dispute their claim as Nationstar have not lived up to their expectation to modify my loan as required by HAMP Loan Modification Program. Attached is their letter received today, XXXX XXXX, 2016.
I moved into   XXXX   XXXX   XXXX   XXXX   was told upon moving in that I would have to give a 30 day notice to vacate apartment. I gave my 30 day notice paid my rent then was told the policy has changed and that I needed to give them a 60 day notice. They kept my {$400.00} pet deposit and my security deposit
Applied for refinance loan -amount {$150000.00}. early XXXX. Provided reams of info requested. My situation : 1.Enough cash on hand to pay off ; 2.Mortgage payment of under $ XXXX vs income of $ XXXX ; 3.Appraisal ( at my cost of over {$500.00} ) came in at {$290000.00}. 4.Income reliant on guaranteed pension/annuities ( not risky ). I have submitted all info requested but have been informed that I have withdrawn my application ( I HAVE NOT! ) 5.Local bank manager has lodged protest on my behalf. Last communication from bank ( notifying me that I have withdrawn application ) over two weeks old. NO response to my requests for follow ups. I believe that Bank of America is prejudiced against me for one of two reasons : 1.My wife and I are XXXX XXXX XXXX or 2.Bankruptcy in XXXX due to business failure. They have cost me time, money and a lowered credit rating due to their intransigence.
I use a company called XXXX for pay advances and they are telling me that you are not working with them to let them know the info needed to process my advance
XX/XX/XXXX, SunTrust Bank send me copy of application that look like a forgery signature. A copy of application is hearsay. Hearsay are not allowed to use in court room. I will like to set a day for us to meet in person in XXXX, Florida on any day of the month of XX/XX/XXXX. I want to have expert handwriting to look at the original application with wet ink signature that you claim is mine. If you do not pick a date to meet in XX/XX/XXXX, I  will assume that SunTrust Bank is trying to collect money from me by using a forgery signature.
XX/XX/2018 - I receive a letter from XXXX XXXX about validation of a loan I previously had with the company. She did provide me with the original contract from the dealership. She also provide a loan summary. However, I tried using this account number provided to login there online system and this do not give me any information on my account ( i.e. payoff info or current balance ). I tried calling the XXXX number provided and I seem to get no resolution of how to settle this account. I explained that I need this removed from my credit profile and it states a CO on my report. No one seems to provide me any info of how to settle this. I was told that the account was most likely sold to a debt collector. Even though I provide my contact information with the company. I still have not received a bill or current statement to attempt to resolve this matter.
FAURWAY KEEPS CALLING IN VIOLATION OF T.C.P.A. SEVERAL NUMBERS CONTACTED SINCE XXXX LIKE : ( XXXX ) XXXX, ( XXXX ) XXXX & XXXX, ( XXXX XXXX & XXXX, ( XXXX ) XXXX AND ( XXXX ) XXXX
Discovery Bank sued me for a credit card I did not apply for, XXXX I was under the age when this card was opened. I have no Knowledge of the said debt and would like it removed as its reporting to the CB as a public record and judgement affecting me
I was investigating the fraudulent charges on my accounts for my different credit cards because my information was breached. SYNCB/SAMS decided not to work with me to get it resolved after all these years but decided to sell the debt eventhough it was against the section 605B of the Fair Credit Reporting Act. The interesting thing was they were able to find a way to report the instance on my account twice for XXXX but putting another account number but with the same information. 
I have provided police report, the document warning me of how my information was breached, FTC Identity Affidavit, and even documents to prove my identity. XXXX was nice enough to acknowledge it and report it as stolen card but it still leaves XXXX negative marks on credit report. Experian was able to delete it and XXXX only posted the one but did not provide the information that XXXX did. Identity theft is a pain in the XXXX and welcome any help I can get in getting things resolved.
Over multiple years, I called and requested never to receive credit card applications in the mail from Bank of America ( I am an account holder ). At the time I was granted manager assurance that I will not longer receive card applications ; also that I have made it onto the correct list time. Flash forward 6-8 month later after moving to a new address, I received a credit card application in the mail. I called Bank of America again and a customer service specialist ( after 30min on the phone ) informed me there is nothing he can do. I went on to question him about his policy and what I have to do to never get another application in the mail. He again told me he could do nothing. It turns out the system is set up to pull only address from their database and is not linking in any way to the active account ( I already have with them ). The same account with the current updated address that can not be mailed to. That is how I received another application in the mail ; THEY FOUND A LOOP HOLE. So every year after I move to a new address I will have to call them to update my address and then go on to another specialist just to specifically ask the new address be added to the DO NOT MAIL list. UPON which he stated it takes them 90days to process that request. I CONSIDER THIS A YEARLY RISK TO MY PERSONAL FINANCE SECURITY. Every Year for three month I will receive card application in the mail. And nothing I can do changes this fact with current Bank of America Opt Out mailing policy. They do not link you new address to your account  when mailing.
My student loan was transferred to XXXX XXXX when the XXXX took it all over. I 've paid it the day after I received the statement. I pay more than the minimum which always makes me several months ahead on my due date ( see attachments ). I have a fixed rate of 3.75 ( see attachments ). I 've never been late, every year I pay down the premium by $ XXXX {$5000.00}. Yet, according to the XXXX form IRS form shows that I paid {$46.00} more in XXXX than I paid in XXXX even though the principal was on average {$4000.00} less that year. I always paid early, never late, more than the minimum, fixed 3.75 % and they took more fees in interest in XXXX than XXXX ( see attached ). I have all my receipts. I 've called at least a dozen times. I 've been left of hold for up to 40 minutes at a time, hung up on, disconnected and churned. The last time I spoke to XXXX XXXX Navient was in XXXX XXXX, the supervisor I spoke to said that she could see why I had paid more in XXXX. She said it had to do with " Algorithms. '' When I pressed her, she said that she would send it up stairs for review and someone would get back to me. Four months later, I 've heard from no one.
NCB Management Services Inc appeared on my credit report this this past year as a collection stating that I owed {$3600.00}. The original creditor was XXXX ( which I think may be a payday lender ). The loan was for around {$3500.00} in which I paid every 2 weeks a large sum with very high interest rates ( 3-400 % disguised as FEES ). I paid approximately 1/2 the loan off and when I asked to re-borrow the extra debt was added to my balance but I never received the the extra funds. So I stopped payment. When I saw this collection on my credit report I called XXXX XXXX XXXX  XXXX was told they were only the financier and then I called XXXX but both said they have nothing to do with the loan. So I called NCB and asked for a compromise and we agreed to {$1200.00} payment and deleted from credit report. But they would not send me a letter stating this and I have found debt collectors to lie. So I filed with the XXXX  offering to pay {$500.00} and removal from credit reports, but this has not solved the problem either. How did the balance get to {$3600.00}?
Capital Accounts keeps sending me letters and has called me to collect on a debt that I had informed them over the phone and in writing that is not mine. Yet they keep sending me debt collection.= notices. They have also reported this to credit reporting agencies as a delinquent account and that has had an adverse impact on my credit worthiness.
I have a mortgage for a house on  XXXX   XXXX  from   XXXX   of  XXXX   XXXX , FL, then a month later the mortgage was sold to  XXXX   XXXX    XXXX   whom had it for over a year. Due to the high monthly instalments ( {$1200.00} plus {$280.00} for HOA ) I decided to apply for modification with  XXXX , The bank turned me down five times and sent me a letter for foreclosure on  XXXX . I hired an attorney at that point and chase was unable to foreclosure on my property after my lawyer brought them before the judge in  XXXX  county, Fl.Therefore chase got rid off the mortgage to avoid litigation and sold it to  XXXX  Bank  XXXX   XXXX , after Hud approval.  XXXX   XXXX    XXXX   pursued foreclosure unsuccessfully since they lost in court in  XXXX  in  XXXX   XXXX   XXXX  loan servicer came on board to service this loan for  XXXX   XXXX  (  BSI Financial Services  ) After losing battle in court  XXXX    XXXX     XXXX  transferred the loan to  XXXX   XXXX  and BSI kept servicing this loan. For over a year  BSI Financial  attempted to collect the mortgage payments and also tried to foreclosure but after speaking with my attorney they surrendered their intentions and transferred their loan services to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Then sold the mortgage back to  XXXX   XXXX  keeping  XXXX   XXXX  as their servicer, this happened just on  XXXX  .The pro blem is that  BSI Financial i ssued me a  XXXX  tax form for the year of  XXXX  after they transferred the loan to  XXXX . I called them to find out the validity of this and after speaking with  XXXX  at BSI, he said he had no knowledge about it and that he would research the issue and get back to me or my attorney, never happened, so I called the IRS and I was told That BSI needed to issue a corrected  XXXX  .I must  mention that BSI claims this form is for a " cancellation of debt on a mortgage dated on  XXXX / XXXX / XXXX  '' .My house has never been in bankruptcy, not sold or else. Records on  XXXX  county, FL still show I 'm a the owner of this property.BSI has placed my name on the  XXXX  credit burew as bad debt, which I also dispute, since I have no business with BSI whatsoever. Please I need to clear my credit report from this illegitimate input and also have BSI Financial services  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  to correct and issue a corrected  XXXX . Thank you very much for your help
I am behind in my mortgage and received a notice ( XXXX XXXX ) that states to cure my default I can pay by the following options : Cash, Cashiers Check, or Money Order. So I am trying to save my house and went to pay cash and was told that I am unable to pay cash. Why would the payment options presented in the notice say " cash '' but that is actually not an option. So now I have to wait until Monday and be late to work and pay a fee so I can obtain a cashier 's check to mail since bringing it to a local branch is also not an option. I also now run into the risk of Bank of America not receiving my payment in time and could start the proceedings on foreclosing on my home.
Back on XX/XX/2018 two fraudulant charges where placed under my XXXX account 1 ) {$330.00} 2 ) {$370.00} For items i never purchased, received or have proof of even ordering. 
XXXX is claiming that because it was done online and have since closed my online accounts ( to prevent further theft ) they have no history of anything and that I must have made the purchases bc there is no way to check. 
My bank HSBC will not refund me the money because XXXX is saying that i have made previous purchases so therefore, i pre-authorized any charges on my account.
after I filed these complaints, They still called the next day.

However, I did call them, all the guy wanted to do is belittle me and tell me this is not customer service. He said his bills are paid.

I in fact set arrangements and they still attempted to threaten and harass me about the bill.

Now, they sent an update to the credit bureau and put 120 days past due. Out of spite ... I even have automatic payments going to them.

That's not what they agreed upon. they are dirty..

NC was included in a Natural Desaster Area and I was included in a flood area.

I lost work due to Hurricane Florence.

I will also contact the NC Govenors Office because of this. Consumer affairs.

Yes, it was a past due account, but now they will not allow me to follow through with the arrangements since they wouldn't stop calling, I told them to cease and desist. any and all communication.

They stopped calling, but they are trying to affect my credit in a negative way now, since they did not get their way.
Citibank is stalling and not paying a {$400.00} checking account bonus promotion. They state that they need my XXXX form. I have sent in two XXXX to the addresses they specify but they state they have never received them. This is in addition to unpublished holds on my money, delays on processing paperwork, and overseas support that is useless.
On XX/XX/2017 deposit XXXX XXXX debit card checks each ( {$2500.00} ) totaling $ XXXX US bank Atm. Unable to access Acct on XX/XX/XXXX. Called US bank customer service XX/XX/2017 and told my account closed due to fraudulent checks deposit made XX/XX/2017. I Obtained copies of checks in question from US bank and took to XXXX, where checks originated. Informed by XXXX that checks are valid. XXXX contacted by phone, emailed this information to US bank with no call I to resolve this matter. I Called XXXX, mgr at US bank XXXX branch and told he spoke with someone over him. He informed me my accounts to be closed ; a check to be mailed out to me ( minus bank fees ) around XX/XX/2017.
My manufactured home mortgage payments are being allocated 66 % interest and 34 % principal. On my statement ( see attached ) it says interest rate 10.75 % actuarial. I sent an email to DITECH customer service on X/XX/17 and have not received a response.I am trying to get an explanation from DITECH why I am paying an interest rate of 66 % per month while on my statement it says 10.75 %.
My first name is misspelled on my credit report. Also, I 'm listed as currently employed with XXXX XXXX and that is not accurate. I 'm unemployed.
I have told experian that the XXXX XXXX XXXX account, XXXX, theyre reporting is incorrect. According to the FCRA all inaccurate information must be removed and I want this removed as it is in violation of my rights! They are willingly non compliant
Untimely direct deposit. Received pay statement XXXX XXXX. XXXX was XXXX XXXX. Have called many times. No getting answers. Payroll deposit still has not posted. My job has sent a test payment and checked the numbers twice. Falling behind on bills, coming in Dept and other prproblems such as rent and XXXX. Would like to no what legal actions can I take n the state od Florida.
HSBC has a derogatory account listed on my credit report. The account remarks state " paid after charge off to third party collections. '' I called HSBC to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.
I have had a VA mortgage since  XXXX  and it has changed hand s ( servicers ) 5  times in that period. The latest took place, I 'm told, in XX/XX/XXXX  from  Ditech  to  XXXX   XXXX . I finally found this out, late in  XX/XX/XXXX , following my inquiries of the new servicer  (   XXXX   XXXX  ). I continued making payments to Ditech uninterrupted, throughout this period. Unbeknownst to me Ditech forwarded my payments to  XXXX   XXXX  for  XXXX  &  XXXX  but ceased doing so thereafter. My loan had gone all the way to pre-foreclosure with  XXXX   XXXX . I provided proof of payments to  XXXX   XXXX  and they endeavored to get these funds from  Ditech  without success until  XXXX  of  XXXX . Throughout this period I have received twice daily dunning calls from  XXXX   XXXX . In  XXXX   XXXX   XXXX   XXXX  claimed they finished their research and told me it was now my problem to get Ditech to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me following a two month grace period and not processed by Ditech. This is utterly false. The " proof '' I provided was a combination of " Cancelled '' checks and verification that my electronic payments thru BillPayer were issued & received. Ditech has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed  XXXX  Federal Tax returns.  <P/> Attached is how I was informed that my mortgage was now being serviced by  XXXX   XXXX . This door hanger placed on the door knob of an out building at my property that I only " happened '' to find on  XX/XX/XXXX .