WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have an installment loan with Republic Finance. On XXXX XXXX a payment was submitted to them in the amount of {$150.00} and on XXXX XXXX the payment was applied to my account. On XXXX XXXX, XXXX I received a credit notification from XXXX and XXXX which stated that my payment was 30 days past due. I reviewed the payment receipt that was mailed to me from Republic Finance which stated that my payment was received. When I contacted them they informed that the payment system updates on the last day of the month which was XXXX XXXX, XXXX. They informed me that the payment did come in on XXXX XXXX but was not applied to the account until the next day. I then asked them why I was reported as 30 days past due when at the time the payment was submitted I was only 22 days past due. Again they told me that the system updates accounts electronically and that they have no control over it when it updates accounts and submits reports to the credit bureau. I informed them that this has happened in the past and I had to file similar complaints in regards to this type of credit reporting. They reviewed my account and then stated that they were not allowed to talk to me about it. They informed me to file a credit dispute, but made sure to tell me that the credit report wont be changed. I currently have a balance of {$400.00} which I want to pay but I feel that if I submit this payment I am worried that t will not be credited to my account correctly which may cause my account to remain delinquent. Republic Finance has a history of not report account information correctly.
I received a debt notice from you. This is not my debt. I have been the victim of identity theft. Since it is not my debt I have no idea of what name you have, either my married name, XXXX XXXX, which I haven't used since XX/XX/2005, or my maiden name, XXXX XXXX. I attached all my ID docs and police reports and proof of my identity. and an identity theft affidavit.
I SENT IN A DISPUTE REGARDING SOME NEGATIVE ITEMS I FEEL ARE INCORRECT AND SHOULD NOT BE REPORTING AND EQUIFAX DID NOT RESPONS THIS DISPUTE WAS SENT IN ON XX/XX/2018 AND STILL I HAVE RECEIVED NO RESPONSE
Ocwen starts calling after the first of the month, prior to my payment due date, and do not stop until the payment is processed. I have my payment on auto pay from my bank. They said the calls are mandatory because, their " investors '' have deemed it so. I was given the option, that if I allowed them to draft the payment directly from my bank account through their website, the calls would stop. If this is " technically '' legal, I think that it is barely so.
On XX/XX/2018 I receive a bill in a letter form CREDITONE L.L.C. informing me of a debt on the amount of {$10000.00} I disputed this debt immediately by calling the Creditone LLC Manager Mr. XXXX XXXX at XXXX and notifying him so. Actually, I left a message on te answering machine informing him about my denial of such debt, which was registered by their Creditone File No : XXXX Their address is : Creditone LLC, XXXX XXXX, XXXX, LA XXXX
Jefferson Capital called my work place and discussed my personal matter to an employee there. The person on the phone from Jefferson Capital told the employee that its a personal matter of Debt owed and that I must get on the phone. The person on the other line was threatening and extremely aggressive with my co-worker. I was out to lunch and my co-worker was just trying to take a message. This company would n't give them a call back number or anyone to reach them, they said that they would call back. Jefferson Capital seems like they are part of a scam that bullies people into paying them for debt they do n't have.
The missed and late payments were removed and then appeared back. I talked to XXXX and they advised me that the creditor ( Motolease put it back on my report
I disputed a charge on my Visa card from XXXX XXXX back in XX/XX/XXXX in the amount of {$2700.00} for a keyboard I had purchased that did not arrive in the condition it was supposed to be in. The keyboard was returned to XXXX XXXX and the amount was credited back to me. In the meantime, my Extra Points Visa Signature Card issued by Barclaycard continues to charge my account for the above stated amount despite the fact that I have complained numerous times that there was only XXXX purchase, it was returned to the merchant and I do not owe any money. I do not have anything in my possession. I was told by the agent several times that it is an error on their part and it will be escalated and removed from my account. This has not happened. Since XX/XX/XXXX, the charge continues to appear on my account. It is affecting my credit score and is wrongfully subjecting me to a liability I should not have. They are doing nothing to resolve the problem and I require assistance in getting this cleared up permanently.
There is a collection account on my credit report by the name of DIVERSIFIED CONSULTANTS showing a past due charge for {$1100.00}. After researching it a bit, I found that this name is associated by many other people to fraudulent charges for phone lines they never had or had already paid off and/or closed. It's stated as opened on XX/XX/2015 and is apparently related to a XXXX account, a phone service neither me or any of my immediate family has used recently or at any point to my knowledge. It came to my attention recently because, believing I had no credit at all, I applied for a savings account with XXXX XXXX XXXX and was made aware of the charge.
In     XX/XX/XXXX  (  XX/XX/2016  ) I had request ed again ( I do not have a date of the previous request ) tha t PNC applies my  extra payments to principal rather than advance the due date and taking their interest. I would like to reduce my principal and pay less interest. I had to call again today because they have not been doing this and instead they are taking my money. Now they also have messed up my escrow account and are saying I owe an extra {$660.00} rather than the {$110.00} which is the amount my taxes went up. I understand I owe my taxes through escrow and am happy to pay however it should be accurate.     I called today and was refused a supervisor when I requested because the agent could not understand that {$110.00} and {$660.00} was not the same and she could not or would not tell me my payment amount that is due in less than a week! I guess since they have to correct the mistakes they made she could n't tell me so I do n't know what to pay and  may  not face a late fee because they made a mistake.
CITI CREDIT CARD COMPANY LOWERED MY CREDIT LIMIT BY {$500.00} STATING THAT I WAS LATE WITH " ANOTHER '' CREDIT CARD COMPANY. FIRST OF ALL, I HAVE NEVER BEEN LATE ON ANY OF MY OTHER CREDIT CARDS AND I HAVE QUITE A FEW OTHER CARDS WITH OTHER COMPANIES. SECONDLY, EVEN IF I DID HAVE A PROBLEM WITH ANOTHER CREDIT CARD COMPANY, WHAT DOES THAT HAVE TO DO WITH MY CITI CREDIT CARD? I HAVE NEVER BEEN LATE WITH MY CREDIT CARD PAYMENTS WITH CITI AS LONG AS I 'VE BEEN WITH THEM. ACTUALLY I ALWAYS PAY MY BILL WITH THEM EARLY. I BELIEVE THIS IS A DISCRIMINATORY ACT ON CITI 'S PART WITH LOWERING MY CREDIT LIMIT. BECAUSE CITI HAS LOWERED MY CREDIT LIMIT, MY CREDIT SCORE TOOK A 25 POINT DECREASE.
My payment for my Discover credit card was due on XX/XX/XXXX. I forgot to pay the bill. I made a payment this morning at XXXX ( eastern time zone ). 

I received a total of 4 calls since making the payment I received a call at XXXX and informed the gentleman that I made the payment and to check their records At XXXX they called me again I did not answer nor did they leave a message on my voice mail I received another call at XXXX and spoke to a supervisor XXXX who was claiming to be a supervisor and said that he put a call blocker on my account and that I would not be called again. He also acknowledged payment to my account. I told him to cease and desist communication with me and he told me I would not be called again I received another call at XXXX and spoke to XXXX who also claimed to be a supervisor I explained to her that I received a call this morning. I explained my call with XXXX that took place at XXXX. As I expressed my displeasure with what was going on, instead of apologizing, she tried to talk over me several times and justify the calls Calling 4 times in 1 day is just plain harassment, especially when I paid the amount due to make my account current and not only that, I paid the amount for next month as well Per the FDCPA law, they are also in violation for calling me when I told XXXX to cease contact with me and I was told by XXXX I would not be called again. 

Again, this bill was paid at XXXX and they called me 4 times after this bill was paid.
I disputed XXXX ( XXXX XXXX ) in the amount of {$2600.00}. This debt was removed two months ago, due to inaccuracy and failed to properly prove this alledged debt that does not belong to me. The alleged debt is showing back on my report via XXXX XXXX after it was once already removed.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 150 days past due as of  XXXX     2011  120 days past due as of  XXXX     2011  90 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Current Mortgage Lender advertised a fixed loan rate on web site. We submitted a request for refinance analysis. Mortgage consultant contacted us, quoted even lower interest rate than advertised on web site. Confirmed our good credit rating ( we stated rating of XXXX, actual rating of XXXX ). Consultant requested we submit on-line application. We completed, and received finalization call-back from consultant. Rate increased from 3.75 % on 15-year fixed ( verbal quote ) to 4.25 %. Current rate as advertised on web-site prior to call was 3.875 % ( when we requested contact for analysis ). Rate today ( XXXX/XXXX/2015 ) on website for 15-year fixed refinance loan is 3.25 %. Concern over deceptive advertising ( bait & switch ).
The company is Chess systems I 'm being denied to open bank accounts, credit cards this is. Blocking m. Credit all around. Pls contact me XXXX XXXX
Back in 2008 I obtained a " predatory lending " loan from Wells Fargo. ( interest only ) My principal amount goes up every year. I have applied several times to Wells Fargo for a loan modification, with no luck. I need to do something before the bank takes my home. 
My first mortgage is $ XXXX and my second $ XXXX. Estimated house value {>= $1,000,000}. 
My income is {$4200.00} per month.
This debt is not mine. 

I requested that the company send me verification the debt that they claimed I owe, including verification that there is a valid basis for claiming that I am required to pay the debt to the current creditor, information about the billing statement sent to me by the original creditor ( or something similar to verify the amount and age of the debt ), and also details about their authority to collect the debt, including their licensure status in my state and their contract with the original creditor. 


Their reply contained little to no actual information and seemed to merely be internal invoices for the amount they claim.
Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # XXXX : XXXX ( XXXX XXXX
On XX/XX/XXXX, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.
We received a letter in the mail regarding a debt with XXXX XXXX from American Coradius International LLC. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone. 
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.
my transunion credit report file had a security freeze and fraud alert placed on it. On XXXX/XXXX/2017 XXXX XXXX XXXXXXXX accessed my file without consent. Not sure how or why an inquiry took place on my credit report, this is unauthorized and fraudulent, please remove.
Date of account is being reported falsely. The original debt dispute was never communicated with original creditor due to address changes and when I finally heard from anyone, it was already sold to a debt collection agency. The original debt was from XX/XX/2014 and although I offered to pay it in full if they removed it from my report, they refused to remove it. I then recently noticed that they keep changing the reported date, effectively keeping it perpetually active on my credit report which I know is illegal.
Hacked my bank ( USAA ) and had a credit card sent to the XXXX. The email of this person was XXXXXXXXXXXX, I know this because he changed my primary email to his.
There are two hard inquires which I have never inquired. Because of this, my credit scores decrease 44. 
I have called XXXX credit report compant. As per they said, I need to call directly in order for me dispute. However, there is no information to contact them and I have never authorized these two companies.
There is a dent on my credit reports for Calvary portfolio that I do not owe, I have disputed numerous times and contacted them numerous times for them to provide proof that this is my debt, however I have yet to receive any documents or a resolution. they continue to increase the balance owed every month on my report and no one will tell me anything about this debt
I have an account with XXXX XXXX for a XXXX phone. The web portal for this website is deceptive in that after you set up automatic recurring payments to pay the minimum balance due, the company takes a payment of the entire balance. I was supposed to pay the minimum amount of {$33.00} in XX/XX/XXXX, but the recurring payments took the full balance of {$630.00}. I noticed this incorrect amount in XXXX and called in for a refund check and adjustment. They processed the adjustment on my account and added back the credit of {$600.00} to my balance on XX/XX/XXXX but never sent the check. Synchrony said they sent the check but it was never received. Over the course of the next two months I had to call in over 20 times to speak with multiple representatives to get the check sent. Every single time I spoke with a representative, they said the check was on its way and it had been shipped. I finally got ahold of a manager in late XXXX who said that nothing had been sent and that they would reprocess the check to be sent. Finally, around XX/XX/XXXX, I received the refund check and thought everything was fine. Only to login a month later and see that they added another credit of {$600.00} to my balance. So now, XX/XX/XXXX, my balance is 2 times of what it should be and I have to go through the process of working with their customer service to fix this issue when it shouldnt be an issue to begin with. 
It seem like most of their customer service representatives are poorly trained and are not empowered by the company to provide a positive customer experience. However, I wonder if this is all done on purpose and everything is hard to complete in hopes that their customers will give up and therefore Synchrony will come up on their customers losses. I am a college graduate who speaks XXXX as my native tongue and it was this difficult for me to get this done I can only imagine how difficult this process is for someone who does not speak XXXX as their first language, a segment which, I imagine, makes up a large percentage of Synchronys customer base.
On Monday XX/XX/XXXX I tried to use my debit card to make a purchase and it was declined, I checked my account to find out why the transaction was declined and found out that my account was overdrawn. I called the XXXX on the back of my card and I was told there was a fraud hold on my account and was transferred to the fraud department, after holding for over 2 hours I was told the fraud department was closed and to call back the next day. On Tuesday I called back and the fraud department said they were NOT the ones who put the hold on my account. I went into a bank branch on Tuesday and I was told my account was frozen so as to carry out an investigation on suspicious activity. The bank was unable to give me specifics. They called the department on my behalf to find out what was going on and the person the bank agent spoke to was sent an email to give me and the department refused to speak with me after I asked to speak with them. My husband also checked his account after I told him what was going on with my account and realized he had a hold on his account as well. I have been calling the bank to at least release some of my funds to me so I am able to eat and buy gas but they have refused, leaving me stranded as I have NO money to spend.
There is a withdrawn Federal Tax Lien Still Showing on my credit report that was withdrawn on XXXX XXXX 2015. On multiple occasions I have disputed this with Equifax, Providing Equifax via fax a copy of the Irs withdrawl form. Equifax continues to improperly report the lien and refuses to recognize the withdrawl.
I am following up with a previous complaint I made with the cfbp about Wells Fargo and their foreclosure filing on my home at XXXX XXXX XXXX, XXXX MA XXXX. I have been working with XXXX XXXX on my previous complaint but was advised to update my complaint based on new information I received from the Wells Fargo. Despite the ongoing negotiations during my complaint, Wells Fargo has moved aggressively forward to foreclose on the home. I was told by a real estate representative for Wells Fargo the following information " Yes, we have the F/C deed. I am not sure what information this former is providing you but we have been proceeding with eviction for months. Per my attorney " the Execution was requested from the court today, XXXX/XXXX/16, and takes approximately 7-10 business days to be signed and issued. We will advise once received and issued to the constable for lockout scheduling. '' One of the major issues with Wells Fargo is they have never followed the steps they outlined to me as part of my original loan modification that was going on earlier in the year. What concerns me is that I was offered ways to save my house in XXXX 2016 but nothing was ever confirmed by Wells Fargo since they kept changing my contacts to handle my situation. I have also been told multiple times that Wells Fargo did not receive all my documents, despite the fact I faxed these documents multiple times. During all this, I learned without having any decision, my house was put up for sale by Wells Fargo and sold to their real estate division for {$250000.00}. I wanted to make sure Wells Fargo had received all the required documents for my loan modification which I sent in XXXX and again on XXXX XXXX, 2016. The documents I sent to the bank at that time were listed as Wells Fargo requirements for loan modification which included Explanation of Financial Hardship, Homeowner Financial Assistance Form, IRS Form XXXX Request for Individual Tax Return Transcript. Documentation to verify all income of the borrower ; and Dodd-Frank Certification Form. As part of my initial complaint I asked to have Wells Fargo to confirm they received all these documents which they have continued to fail to do. They also provided timelines of giving me a decision which again they have failed to do as described. I was advised to file this second complaint based on the fact that Wells Fargo continues to ignore my requests and are moving forward with the home foreclosure. I have not been even given the opportunity to do a short sale which based on its current valuation is probably going to be a very small amount if that since the house and property is currently valued at XXXX even though my mortgage was {$210000.00}.
Company : USAA Summary of events : About XXXX of 2014 I called USAA to receive car insurance coverage. I had been covered by USAA but under my parents ' insurance policy. <P/>First phone call : They refused to discuss insurance coverage because my account had been flagged. Prior to this call my only business with USAA was that i was covered under my parents ' policy, I never opened any bank account or received any other services from them at any time, at all, ever. <P/>Second phone call : I called to ask about the flag on my account and see what it was for. They said that it was a fraud flag and they transferred me to their fraud department. I asked why I had a flag and they told me that it was for fraud and that USAA refused to do business with me. They refused to disclose any paperwork or information about the fraud or the nature of the fraud, I tried to explain that I was a victim and that I had n't ever done business with them other than be on my parents ' insurance policy and that I had no idea how this happened. They told me that they refused to do business with me and that was all.
We applied for a mortgage loan  with Wells Fargo  in  XXXX , NC we have been in escrow for appro ximately 60 days from today. We asked for our documents to be sent to a new lender with a better rate. Wells Fargo stated they could not do so b/c a law went into effect as of 2008 when they changed the law indicating no lender to lender doc 's could be transferred. I checked with the new lender who states the doc 's could be sent. So now as of today wfargo has finally offered to lock in a rate of 4.785. This should have been done at the beginning of the loan process. I 'm still trying to obtain the documents for our own pu rposes. Also, after we were ready to move on with closing they now want an engineering report which was never disclosed to us.  <P/> Frustrated wfargo applicants,  XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX
XXXX XXXX XXXX has sent several statements to XXXX  and other credit reporting agencies for a dollar amount of {$330.00}. I never received any documentation from this company and they sent derogatory information to credit agency on the following dates : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am being harassed by this company and my credit report is being destroyed. I have never seen an agency go after a debt like this unprofessional organization. 
Who I owe {$330.00}? 
When did they first contacted me about this debt? 
Did they ever send me documentation? No!