WillisBack/dataset-financial-user-claim huggingface dataset:
I made a electronic payment online with my bank on XXXX XXXX, 2016. My bank notified me on the XXXX XXXX, 2016 and told me the payment will be rejected due to an error on the bank not telling/or putting it in writing that thier customers can not set up payments with all accounts. I contacted Carrington Mortgage to inform them of this and I was told that as long as I get the payment in I will be fine. I went to a XXXX XXXX at XXXX and paid the mortgage payment as soon as I disconnected with Carrington Mortgage. I called Carrington Mortgage back and informed them of that the payment was submitted and they confirmed they received it. I then spoke with the manager XXXX who informed me that I would need to send in the information in pertaining to my bank so it does n't go on my credit report. I sent the information in and called and confirm they received it. I was told by the resolution department and the manager that this would not go my credit report, but Carrington Mortgage sent me a letter today informing me that the late payment will go on my report even though it was my bank'statement fault and provided a letter showing that. My fiance and I are XXXX and Carrington is treating us very horrible.
I was an authorized user on a pen-fed credit card I am no longer an authorized user, XXXX refused to remove account from my report after 3 attempts /dispute
Company called me with threats after I was XXXX weeks late. I had already informed them that I would have to make a XXXX payment the next month and they agreed then called me and threatened with legal action. Kept calling my phone and speaking to me in a stearn threatful way. Has called XXXX times after I informed them not to call me.
I am unable to access my account due to RUSH CARD TECHNOLOGY TRANSITION and i also have kids that have to eat and no one from RUSH CARD CAN ANSWER THEIR PHONE AND NOONE FROM RUSH CARD WANTS TO TAKE RESPONSIBILITY FOR THE UNNEED TECHNOLOGY TRANSITION
In XX/XX/2018 a collection for XXXX was paid in full and should be deleted and removed from credit bureaus and still has not
XXXX XXXX, XXXX is nothing more than a bunch of crooks, this debt they're trying to collect, is so old, older than the statute of limitations. 

They never ever sent me a debt letter, giving me 30-45-days to review or dispute and ask for validation, I never knew this was even on my credit report until within the last several weeks, I emailed the CEO XXXX XXXX and he has ignored all my request. 

I had an Attorney sent me some information about how crooked this Business is. 
which is owned by Encore Captial, the Attorney sent me the 60-pages of  documents where they were sued by the Consumer Financial Protection Bureau for the exact things, they are doing to me. https : //files.consumerfinance.govXXXX This crooked Business will stop at nothing, They settled with the CFPA, but still breaking the same laws. claiming I owe them money for a credit card debt. 
this is insane, and they not once send me a debt letter, maybe to a third party which is illegal, but not to me, I ask for proof, such as a certified return receipt. 

But again CEO XXXX XXXX ignored all email request. I demand this illegal debt be removed from all three credit reporting agencies right away.
On XXXX the XXXX I withdrew {$390.00} out of my Coinbase account to go into my XXXX XXXX XXXX bank account. Its now XXXX the XXXX and it still says my transfer is pending. I 've emailed support twice over the past two weeks for a transfer that should only take 2-5 days. And I 've gotten zero response of what is going on and why its taking so long. My accounts email is XXXXXXXXXXXX
Equifax is allowing XXXX XXXX XXXX  to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXXXXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX XXXX XXXX XXXX
I TRIED TO GET A FREE CREDIT REPORT AND I FOUND OUT SOMEONE HAD BEEN USING MY INFORMATION TO GET CREDIT.
On XX/XX/XXXX I tried to access my checking account information and was in unable to get my information because my address was wrong, I have lived at the same address for 30 years. I went into the branch I have my account with and was told " someone '' had changed my address, the manager corrected my address but said he did n't know how it got changed. I was told by the manager that my address was changed on XX/XX/XXXX, I ask who changed my address he said he did n't know, he proceeded to tell me anyone can change the address on an account with out verification. I checked with another bank I deal with and was to there must be identification to change an address. I then contacted the Consumer Financial Protection. I contacted Chase bank again to find out why the misled me, which was a complete " joke ''
XXXX sent me a email telling me i owed a certain amount of money for a payday loan that is less than what they are saying. When i looked up ace cash services i found out its a scam company trying to recieve money.
This account have been remove from my credit XXXX XXXX and XXXX its showing on my credit report XXXX with in accurate information showing charge off since XXXX then showing paid in good standing XXXX of XXXX this information is inccurate I dont receive any information from anyone bout this I ask to please remove Santander bank immediately from my XXXX  credit report they are putting false information on my credit.
I had a test ordered for XXXX. The doctor did not sign the order until the insurance company OK 'd the order. I told XXXX that I would not allow the test until I was assured the insurance would pay. XXXX assured my doctor and myself the insurance would pay. 2 months after the test, I got a reject from my insurance company and XXXX wanted to bill me {$780.00} for the test! I told them I was not going to pay for it because they stated that the insurance OK 'd the bill Also the collection company does not have a valid VA SCC number so they can not do business in VA! They are breaking Virginia Law!
I disputed inaccurate info on report with XXXX  and they still left info and changed the dates The dates are inaccurate shows unknown that shows dates meaning was sold and has been over 7 years so should be removed I disputed with XXXX XXXX and Wells Fargo bought by XXXX  removed it from XXXX  But not XXXX  should be removed from all 3 agencies last payment was XX/XX/XXXX not XXXX meaning 7 years need remove why only one report not all
I am on a home modification with XXXX and they went out of business. Unbeknownst, to me, XXXX XXXX, the investor, who has not been supportive sold my loan to this ... Penny Mac Loan in XXXX, CA. This so called bank or whatever they are had stolen my money, forged my name and continue to harass me. They continue to increase my payments and had the audacity to say to me. I quote, if I did not like it to walk away. These people are vicious, unprofessional, incompetent and I haaaaaaaaaaaaaaaate them. In all of my life, I have never dealt with such beasts. I am requesting an investigation against these people and their license to be permanently revoked. This business is not a business. They are a fraud.
I recently used my credit card to buy some Christmas gifts, when I looked at my credit score on XXXX XXXX I saw that my score had dropped significantly from GOOD to FAIR. My complaint is ... why should my score go down because you use some of the available credit you have? My utilization went from 1 % to 15 % of available credit. This practice of Credit Reporting companies is unfair and fraudulent, they drop your score and have not waited to see if you make your payments on time or even if you make the minimum or greater payment. What they are doing penalizes you for using your available credit WHICH is then used as a reason for lenders to charge you high interest rates. This practice is more of a collusion between Credit Reporting companies and Lenders. It really is as though you take one step forward and end up two steps backwards. It literally is putting the cart before the horse. 
I have worked very diligently to get a high credit score in order to get the advantages of it. Instead of helping consumers they are suppressing consumers and working with the Lenders to keep the you continually paying higher interest rates. 
I look forward to hearing from you, XXXX XXXX
IN RESPONSE TO EQUIFAX THEY STATED TO CONTACT THE ORIGINAL CREDITOR FOR THIS INFO THE LAW STATES THAT THE REPORTING AGENCY HAS TO HAVE THIS INFO ON FILE WHEN A CONSUMER ASKED FOR IT IN THIS CASE EQUIFAX IS IN VIOLATION OF THE FCRA. I HAVE ATTACHED A COPY OF THE FEDERAL LAW 609 ACT IN THIS DISPUTE FOR EQUIFAX TO PLEASE READ AND PROVIDE BY THE FEDERAL LAW
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Louisiana and XXXX Reference : Retirement Benefits Claim Number XXXX XXXX XXXX XXXX : Office of Personnel Management Debtor : Small Business Administration. 

The Department of Treasury have sent notice to XXXX XXXX XXXX to collect {$260.00} monthly. However, my pension was delayed for approximately XXXX which made me fall behind in payments. I have contact OPM on several occasions. It appears the Agency will not address this issue or provide adequate reasons why benefit was being delayed. I am requesting an investigation to resolve this matter. 
Tin Number : XXXX Top Trace Num : XXXX Acct Num : XXXX I truly believe retirement-benefit provisions are complicated and may involve a series of miscalculations that are not clear or easy to understand.
I fell ill and required emergency services which have now left me  XXXX . I fell behind on my credit card payments. However, in  XXXX    XXXX  , Discover allowed me to enroll in a payment program that would place my account into suspended status for 12 months. I was told that my account would be reviewed after 12 months for a change in status. I have been making the payments as agreed. However, I called in  XXXX    XXXX   to see if I could move my automatic payments to the  XXXX  of the month and was told that my account charged off and they can no longer make any changes to my account. I asked to stop debiting my account and I was told that they can not make any changes to the account. After telling them that I was was recording the entire conversation, that I was filing a report with the FTC and that I going to contact my bank to stop the payments, I was told not to worry because they already removed the automatic payments from my account. I have not received any verification that they have done so and I believe that they deceptively closed my account. I never received any communication. How could they allow me to enroll in a program and then charge off my account? I do n't believe that they are operating in a legal manner. Please help.
I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( SYNCB/AMAZON ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
This is a complaint regarding the credit sales practices of Macy 's department stores. When I was checking out to purchase an item a few weeks ago, I was convinced by the sales agent to purchase the " Thanks for Sharing '' promotion. The agent told me that I would receive 10 % of the purchase price as a statement credit in exchange for paying the enrollment fee of {$25.00}. She confirmed that the 10 % off would directly reduce my statement balance. As a result of agent 's statements, I purchased enrollment in the program and also purchased a more expensive item. 
I received my XXXX/XXXX/2016 statement and there was no statement credit for 10 % of the purchases. I called the customer service line listed on the statement. I explained the situation to the telephone customer service representative who told me that the sales agent told me false information. The representative told me that the 10 % does not come as a statement credit but rather as a rewards credit and later on, I would get a gift card. I am not in a Macy 's rewards program and my credit card account statement does not have any information stating rewards were accrued to me. I asked for a 10 % credit to be applied to my account ( what I was promised when I purchased enrollment ) and that request was denied by the representative. I asked for the terms of the program to be sent to me and to have someone call me back regarding my complaint about the program. The representative told me she would have the program terms sent to me but expressed doubt as to whether anyone would contact me regarding the program. 
The deceptive statement by sales agent resulted in me purchasing a temporary add-on credit card product that will not provide the benefits promised. From what I was told by the customer service agent, my lack of enrollment in the rewards program precludes my accrual of benefits in an alternative, inferior, method of benefits. Macy 's should not have sold me an enrollment in XXXX program that requires membership in a second program when it knows that I am not a member in the second program. 
I would like a 10 % statement credit to be provided. Additionally, Macy 's should provide comprehensive training to its sales employees and implement a system of controls to manage the risk of making deceptive claims in sales.
I have disputed the account XXXX XXXX with Equifax several times, and have even contacted the company since XX/XX/2016. The company/creditor listed on my credit file ( XXXX XXXX ) was contacted via certified USPS return receipt each time, I requested them to send me verifiable proof that this account is mine. I have never received any information from XXXX XXXX verifying that this account is mine, through verifiable proof or a contractual agreement that I had with them showing that I agreed to pay this amount. I have allowed well over the amount of time requested for XXXX XXXX to supply the information / proof to me. It 's been over 120 days, since I started the dispute. I have also notified Equifax that this was a fraudulent account and Equifax has done nothing to correct, rectify or investigate the matter. I have contacted Equifax on several occasions, once again via certified XXXX return receipt as proof, which their representative signed for each letter that I have sent them since XX/XX/2016. I called the Equifax four days ago and a representative told me that XXXX XXXX had been removed off of my credit file, however, I received two emails today, and therefore, called Equifax and the representative that I spoke to this morning stated that XXXX XXXX was still on my credit file report as an account reporting as closed account with a balance due. I asked her why, because the previous representative told me that the account was not showing on my credit file, however, the representative that I spoke to today, was very short and rude to me also. Previously, I had to request a manager. However, I have sent them all documents showing that my homes had been broken into, and Equifax has refused to take this account ( XXXX XXXX ) along with the inquires that were listed off of my account. I am asking for the assistance of the Bureau of Consumer Financial Protection to enforce the rights of the consumers by demanding that Equifax remove all inquires and XXXX XXXX from my credit file immediately! I have also attached police reports where my XXXX homes were broken into, and my identity was stolen, while I was away from my house over 6 months due to work related assignments. I have also attached a police report where my vehicle was broken into, as well. I have sent Equifax these same police reports, but they refused to upload the police reports, where my identity was stolen.
When I originally took out a refinance mortgage, XXXX XXXX the underwriter for XXXX XXXX required that I pay some creditors on my credit that did not belong to me. The title company cut checks to each of these creditors. They gave me the checks, when I called the creditors to get mailing address they stated that they did not have an account for me. I explained about them being on my credit reporting and again they stated that there was no where to apply funds because they do not have an account for me. I tried for years to get some one to help me I could not afford an attorney ... .I am XXXX years old XXXX would not help me. I have asked Seterus repeatedly to prove ownership of the loan the copies of the loan docs prior to this transfer, my good faith estimate, my truth in lending document, they will not mail it ... .then stated that it would be XXXX per page ... I agreed but they never sent anything. I am receive XXXX per month, my mortgage is XXXX. I am paying for money that I never received ... .please help.
I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night.
Equifax is reporting a bankruptcy on my credit file that does NOT belong to me. I have reached out to them numerous times to have this issue resolved. Furthermore, I file a suppression request with XXXX XXXX so im Not sure how Equifax is verifying this bankruptcy.
I have refinanced my auto loan from XXXX XXXX in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was
I have a second mortgage loan with CitiFinancial. 
For about $ XXXX. I pay on time since 2009, but the majority of the payment goes to interest and still have a balance of $ XXXX. I have called and tried to obtain reasonable terms but with no success.
I tried to work with my mortgage company in order to save my home and to lower my mortgage. Upon review they were unable to assistant me. I went to XXXX to get assistance and they have been trying to assist me but the mortgage company will not responded to them. XXXX submitted my file to the mortgage company XX/XX/XXXX and nothing has been done. I was advised by XXXX to file a complaint with you. I am currently XXXX months behind and I am trying to get this resolved.
My second mortgage was involved in a Chapter XXXX bankruptcy and was discharged in X/XX/11. The note was originally with Countrywide and then Bank of America picked it up then It went into chapter XXXX bankruptcy due to I became XXXX After the bankruptcy I continued to pay both mortgages. I decided to refinance both mortgages with Bank of America and they only picked up my first and I asked them why did n't they include my second and they told me " Mamm, we have to take care of your first mtg first, then we will take care of your second '' but instead, they service released it to XXXX. XXXX told me they could n't help me. Then I rec 'd a phone call not a letter and was told XXXX XXXX has the second mortgage now, at this point I am not sure what is going on with the 2nd mtg. My credit report states I have a XXXX balance owed on that original loan number but it keeps getting reassigned a new loan number. If XXXX XXXX still has the lien on my property I would like to know what the balance on the lien is? And what the balance on the 2nd mortgage is since it was involved in the Chapter XXXX bankruptcy. What options are available for me to resolve this issue? XXXX XXXX offered to settle for {$15000.00} but of course I could not come up with that amount. At this point I am not sure I am dealing with a legitimate company or a scam. It keeps getting reassigned with new loan numbers.
I attempted to obtain my annual free credit report from Experian online and received the message shown on the attachment.   I replied to the message by mail including a request for the report and information as to why I could n't get my report online.   I am attaching a copy of the credit report.com reply whichI find completely uninformative.
Hi, I could n't update my original Complaint which is Case number : XXXX. In the response it stated that PNC wanted more time to review. Well, it has just been brought to my knowledge that PNC moved to try and foreclose on my unit after I filed my Complaint against them with you. 
I have never been late with or missed a mortgage payment. I have all of my receipts. I also have the letter from the condo board attorney, whom they paid without my permission or knowledge of alleged unpaid condo fees, that they had " discovered '' an error in their accounting and had in fact overcharged me but could only go back 3 years in reimbursement even though I was due 6 years of reimbursements. A couple months prior, PNC paid the for all 6 years of which I did n't owe. I have attached the attorney letter. My Unit is XXXX
XXXX XXXX of Resurgent Capital is continually reporting negative information to the credit bureaus that should not be on my credit file. I have disputed with the Credit Bureaus, 2 bureaus have removed the collection. Also according to the State of Florida neither company is registered to do collections. I have attached the pictures from our State website. Unless this company can provide a signed contract where I XXXX XXXX owe this debt and proof their license are active in Florida these collection account needs to be removed ASAP.
I pulled my credit report and noticed a hard inquiry dated XX/XX/XXXX.  This inquiry was not authorized by me.
Calling during work hours after stating that Im not allowed to accept personal calls during working hours. I 've given hours that he can call but does not call durning these times. Due to these issues I have had delays in payment. The collector will now not accept a months payment, saying that he does n't have time for the process unless I have previous months payment.