WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I called Ability Recovery Services LLC and set up weekly payment arrangements with XXXX XXXX. He told me that because I responded to the debt so quickly, that it would not be reported to credit reporting agencies. I repeated this back to him to verify that the debt would not show up on my credit report. On XX/XX/XXXX this debt showed up on my credit report. I immediately called ARS and spoke to supervisor XXXX XXXX who told me that was no their policy and there was nothing he could do. He advised me that he would go back and listen to the tapes but it wo n't change anything. I pay them {$200.00} a month from a {$1300.00} a month salary to get this debt taken care of as soon as possible. My credit score dropped 4 points because of this. XXXX XXXX told me if the debt is n't paid in 30 days, they report it, which I was never told. I 'm trying to repair my credit and would have tried to make arrangements to pay in full had I known this. Not happy about the lies. Poor business practices.
On XX/XX/XXXX I called Discovercard to find out what the " DiscoverPaymentProtection '' fee was on my account. I found out that I had been enrolled in this program since XX/XX/XXXX. I asked what is was and after they explained the plan to me, I said this might have been helpful to know when I had been out of work for almost 2 years and had to take time off to care for my mother during her XXXX/recovery from them XXXX her XXXX XXXX. I asked how I was enrolled, but after this period of time, they would not have any records of how I was enrolled. The agent stated that I would have been notified once or twice a year in the mail, but I stated when I receive anything from Discover it is usually Balance Transfer checks and I just shred them immediately. Anyway, I asked since I was not made aware of this, was I able to get the fees returned. She said if I cancel, they would refund me the most recent statement of {$130.00}. I asked if there had been a Class Action on this. After a few minutes on hold, she advise there was, but that I was not put on it and would n't have been notified. I asked why and she said she did n't know. I asked for the information and was directed to this site. I was n't sure what to do, so I am submitted a claim. I just want the fees returned. I did not know about it and if I knew, I would have needed it back when I was unemployed for about 2 years struggling and during the 3 weeks I was caring for my mother.
I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted XXXX XXXX XXXX and Continental Finance Co to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.
I am filing this complaint because Equifax , has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verfiy these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
XXXX XXXX XXXX XXXX is showing up on my credit report 2x. This is something that originated in 2013. I signed up for classes at XXXX and then withdrew. I never attended one class there. I was told I would not owe any money and I have been battling with this for two years now, I have written letters, contacted the school etc. they are now showing it has been turned over to a collection agency not once but twice. One amount is XXXX and the other is XXXX. I do n't know what to do I do n't owe XXXX bill let alone XXXX.
XXXX, XXXX and transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
i have an account that is fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
I am receiving continuous phone calls from a creditor ( Gugliemo & Associates ) despite I am XXXX, receiving Social Security XXXX, and informed this creditor. They continue to call and harass me, and cease to stop. 

Section 207 of the Social Security Act ( 42 U.S.C. 407 ) protects Social Security benefits from garnishment, levy or other withholdings by the federal government, except : To enforce child support and alimony obligations under Section 459 of the Social Security Act ( 42 U.S.C. 659 ) ; For certain civil penalties under the Mandatory Victim Restitution Act ( 18 U.S.C. 3613 ) ; With a Notice of Levy to collect overdue federal taxes under Section 6334 ( c ) of the Internal Revenue Code ; Through the Federal Payment Levy Program to collect overdue federal taxes by levying up to XXXX percent of each monthly payment until the debt is paid under Section 1024 of the Taxpayer Relief Act of XX/XX/XXXX ( Public Law 105-34 ) ; To withhold and pay another federal agency for a non-tax debt you owe to that agency according to the Debt Collection Improvement Act of XX/XX/XXXX ( Public Law 104-134 )
AboutXX/XX/XXXXlost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes.

1. XXXX  XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit.

XXXX XXXX XXXX  XX/XX/XXXXis not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX XXXX XXXX XXXX for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know
Roundpoint claims I have thousands of unpaid escrow and now they are foreclosing my home. They have been terrible to work with and have not been in contact with the township at all!
In XXXX, I encountered financial hardship and attempted to modify my mortgage through XXXX XXXX XXXX. There was a trial, then permanent modification which I also fell behind on. I started an attempt at another modification in late XXXX XXXX. At the end of XXXX XXXX, I received notification that they received my documentation and I should have an answer within 30 days. Before that time was up, I received a letter from XXXX stating that they had sold my mortgage to Caliber home loans. This letter also stated that if I was in the process of attempting a modification, they would forward all documentation to Caliber for them to complete the process. Around the same time, I received a similar letter from Caliber stating that they had taken over my mortgage, but no mention of the pending modification. XXXX or XXXX of XXXX was the last time that I received a mortgage statement and I never received any notification of the outcome of the modification. Caliber simply continued the foreclosure efforts that XXXX had started. I have never received a periodic statement from them, loss mitigation options, or a single point of contact. The only " loss mitigation option '' I was ever sent was a generic sales-like flier saying that I could potentially be eligible for a deed-in-lieu of foreclosure. In XXXX XXXX, I attempted another modification through an attorney. Through this I obtained single point of contact information and was able to sign onto my portal through Caliber. On the portal, there are also no periodic statements listed under my statements. I received notification today telling me that my modification has been denied, and that I am " not eligible for alternatives to foreclosure. 

Caliber has not acted in good faith on any level in the servicing of my loan. From the time they took it over, they have only moved forward with foreclosure. They have made no attempts to assist me in retaining or curing my default. They have not even bothered with monthly statements because they have no intention on properly servicing the loan. I even received a communication from them recently with my account number very clearly labeled and exposed through the clear address window on the envelope.
The Money Source has locked us out of online payments and requires payment by money order, XXXX XXXX ( their site states they don't accept Money Source Payments ) or certified checks. 
The reason they say is because there were two NSF bounce backs. ( The paycheck deposit is the XXXX ; the bank withdrawal is the XXXX ) and, so the two were not lining up. 

My complaint is that there was no advance notification that online payments would no longer be accepted so consequently we will have a late on our credit report as payment could not be made online and we had to rush to get payment out via overnight. The customer service staff said there is no policy in place to address the lock out from online payments nor is there an appeal process. They said it is a system lock out. 

So, for the next six months we are required to make payments via certified check and put it in the mail. How is this helpful? It just builds customer animosity. 

How is this helpful to the consumer? Why aren't they required to provide advance notice to the customer? Why aren't they required to have a policy in place to notify the customer, provide advance warning, and provide for an appeals process?
I received a letter from Performant Recovery Inc. stating they were a private collection firm contracted by the U.S. Department of the Treasury, XXXX XXXX XXXX to collect a delinquent balance owed to Dept of Health Human Services for {$1300.00}. 

I have received no prior communication from any government agency that I owed this money and after several requests for details from this company no information is provided.
I have been working as a XXXX / XXXX XXXX for a number of years. I am a XXXX XXXX and not a corporation. 

I have had a PNC Bank business credit card account for about 10 yrs. 

In XX/XX/XXXX I moved to a different location in my state, with a new mailing address. I updated my new mailing address on the PNC website, and PNC Bank mailed me a letter confirming they received the new mailing address. 

PNC Bank has recently removed any access to my business credit card account on their website, but I have saved screenshots showing that my address was correctly entered on their website. 

Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any statements from PNC Bank by mail or email, that showed that I owed any minimum payment. The only statements available were several statements on the PNC Bank website that stated that my balance was {$0.00} and my minimum payment was {$0.00}. 

In XXXX & XX/XX/XXXX I left multiple messages on the PNC website stating that I had not received any statements. I have screen shots of those messages. 

I continued making monthly payments until XX/XX/XXXX, when my balance was {$5600.00}. After that I made several charges totaling about {$83.00}, and then the credit card was no longer valid. 

On XX/XX/XXXX I mailed a certified letter to PNC Bank explaining that I had not received any statements for my PNC Bank credit card account. 

PNC Bank customer service began calling me several times per week, leaving messages asking me to call them. I returned the calls multiple times but each time I received a voice mailbox. 

On XX/XX/XXXX, I finally reached PNC Bank 's Small Business Credit Card Default office. They told me that my correct address had been entered on their website, but they had accessed the wrong address in the PNC default office. 

On XX/XX/XXXX I received an envelope with PNC Bank statements for XX/XX/XXXX to XX/XX/XXXX. PNC 's XXXX statement was due XX/XX/XXXX. My interest rate had been increased from 12.4 % to 30.74 %, multiple late fees and large finance charges had been imposed, and a minimum payment of {$680.00} was demanded. 

On XX/XX/XXXX I received a new statement with total amount of {$940.00} due on XX/XX/XXXX, and the new balance was now {$6100.00}. I refuse to submit to PNC Bank 's racketeering practices.
My credit card account was closed by Capital One due to inactivity, without notification in XX/XX/2018. I was told the company makes business decisions to close accounts. I am confused as to how they make the determination to close my account, is that consistent with other account holders? I ask as my wife also has a Capital One account and has not used it for a purchase in at least 2 years. What is especially egregious is I have a savings account with the same company - they are happy to keep my money on deposit and utilize it for further lending but elect to close my account as I was not carrying a continuing balance.This action may have an impact on my credit score and impact my ability to apply for credit in future.
Id like to see the orginal contract that was signed in XX/XX/2012to verify my signature on he XXXX cell phone bill account. The current amount owed according to the caller is {$930.00}. I am disputing the debt and request it to be validated. They called me and I told them Id have to call them back later because Im currently at work. The caller then wanted to transfer me to someone else and continue to inquire about the debt. Im disputing the debt and would like it validated and I request that it be removed from my credit report immediately.
LOAN NUMBER XXXX - XXXX XXXX XXXX ON XXXX XXXX, XXXX MY LOAN WAS PURCHASED BY CARRINGTON MORTGAGE IN XXXX. FOR THE FIRST 90 DAYS OF MY LOAN, CARRINGTON COULD NOT PROVIDE ME WITH A LOAN NUMBER OR A MEANS BY WHICH TO MAKE MY PAYMENT. WHEN I WAS ABLE TO MAKE A PAYMENT IN THE FOURTH MONTH, CARRINGTON INITIATEED FORCLOSURE PROCEEDINGS AGAINST ME. 
I WAS ADVISED ON NUMBEROUS OCCASIONS THAT FOR THE FIRST 60 DAYS THERE WOULD BE NO REPORTS MADE TO MY CREDIT BASED ON THE FAILINGS AND SHORTCOMINGS OF CARRINGTON AND THE INABILITY OF THEIR SYSTEM TO RECOGNIZE ME AS A CUSTOMER AND THEIR INABILITY TO PROVICE ME WITH A LOAN NUMBER. 
I BELIEVE THIS IS A FORM OF PREDATORY LENDING FOR THE FOLLOWING REASONS : 1. A REPORT WAS MADE TO THE CREDIT REPORTING AGENCY AFTER I WAS TOLD THAT THERE WOULD BE NO REPORT MADE FOR THE FIRST SIXTY DAYS. 
2. THE INTEREST RATE IS MUCH HIGHER THAN A TRADITIONAL FHA INTEREST RATE AT 6.5 % ON A XXXX LOAN ABOUNT 3. I AM NOT UNABLE TO REFINANCE THE LOAN BECAUSE OF THE " REFER TO FORECLOSURE '' THAT CARRINGTON HAS PLACED ON MY CREDIT ACCOUNT 4. I NEVER MADE ANY LATE PAYMENTS ON MY ORIGINAL LOAN WITH XXXX MORTGAGE 5. I AM FORCED TO STAY WITH CARRINGTON ( BECAUSE OF THE NEGATIVE CREDIT REPORTING ) EVEN THOUGH THEY FAIL TO SERVICE MY NEEDS AS A CUSTOMER 6. EACH MONTH CARRINGTON 'S WEBSITE REJECTS MY PAYMENT FOR XXXX REASON OR ANOTHER 7. THE VALUE OF MY HOUSE IS MUCH GREATER THAN WHEN I ORIGINALLY PURCHASED IT CARRINGTON IS USING THE METHODOLOGY KNOWN AS PACKING BY PURCHASING SMALL LOANS FROM LARGE BANKS WITHOUT THE BORROWERS KNOWLEDGE AND ATTACHING LARGE INTEREST RATES TO THE LOANS. BY THE TIME THE BORROWER REALIZES WHAT HAS HAPPENED, EXCESSIVE LEGAL FEES ARE ATTACHED TO THE MORTGAGE CAUSING THE BORROWER TO DEFAULT OR FORECLOSE ON THE MORTGAGE. THE PROPERTY IS THEN TAKEN BY CARRINIGTON. PACKING AND ASSIGNING EXCESSIVE FEES ARE XXXX COMMON PREDATORY LENDING PRACTICES
I have applied for and I believe I have been wrongfully denied a loan modification 1 times over the past 2 years, and am at risk of losing my home because of the false and misleading statements, negligence, willful misconduct and discriminatory behavior of my mortgage company Wells Fargo. 

I have been to court mandated mediation, hired lawyers, even filed bankruptcy to stop the sale of my home. I have sufficient income to afford to keep my home at a slightly lower payment, which is why I continue to apply for loan modifications despite the lender 's denials, which are often for completely arbitrary, contradictory, even nonsensical reasons. 

Most recently, I applied for loan modification and each time the mortgage company provided a different, seemingly arbitrary reason to not deny my application, but not even open the new application due to some reason or another.. 

One time I was denied by the reentry team verbally stating that I did not earn enough income. Then they denied my application verbally stating that I earned too much! After that they denied my application verbally stating that my application did not show enough of a change from a previous application submitted in 2014, over a year ago, so the application would not be considered. Lastly they denied me stating they have NEW Investor Guidelines stating I have either been 3 years delinquent or previously denied a modification. 

The reasons given were all over the phone, and the denial letters did not state this information or provide any clear reason for the denial. In fact the reason given for the most recent denial indicated that they never even reviewed my application or my circumstances have not changed. Never once did they provide me a copy of the New Investor Guidelines they stated as my reason for denial. 

I believe these reasons are simply pretextual, and that my mortgage company has never had any intention of dealing with me in good faith, or allowing me to remain in my home. I also believe they are discriminating against me due to to the fact I am of XXXX. 

The fact is that Wells Fargo has been losing my papers, not providing me with clear information regarding my applications, asking me for needless information ( including at XXXX point my deceased mother-in-law 's tax returns ), and generally making it very clear that they had no interest in helping me for 8 years now. 

Further, I believe I have been discriminated against due to my XXXX gender, as well as my foreign national origin as evidenced by my XXXX accent, which I have received comment on from Wells Fargo on more than XXXX occasion, where the bank 's personnel have expressed frustration dealing with me due to my accent.
Portfolio Recovery harrass me with consistent phone calls from multiple numbers multiple times a day, I already sent in a monthly agreement and pay them a monthly amount to pay off debt and get a paper statement to prove that
My mortgage is currently thru XXXX Mortgage XXXX and they were assisting me with a re-fi at a lower interest rate ; however, they determined during the re-fi process that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was listed as lienholder for my double -wide manufactured home. XXXX XXXX XXXX is a bank that failed many years back and at that time, Bank of America ( BOA ) was assigned my mortgage and BOA never reassigned and listed themselves as lienholder. Several years later, BOA transferred my mortgage to XXXX Mortgage XXXX and there again, BOA failed to release themselves as lienholder and assign XXXX Mortgage XXXX as the NEW lienholder. Since XXXX XXXX is no longer in business, I have been dealing with BOA since the beginning of XXXX and to date, no one with BOA has moved forward in helping release this lien so that I can move forward with my re-fi. XXXX XXXX XXXX and BOA have both failed to do what they should have done many years ago each time the loan was sold/transferred. In dealing with BOA, I have spoken with several different employees -- no one wanted to help until I finally reached XXXX XXXX. However, as of yesterday, XXXX told me that her and her supervisor were training to leave their current dept and go to another dept within BOA leaving me there again on a dead end road with no resolution in sight. XXXX would not refer me to anyone else except her supervisor which is the leaving the dept. herself. I was told by XXXX today that Mortgage Electronic Registered Services ( MERS ) is listed on the Title commitment along with XXXX XXXX that I can contact them at XXXX and when I did, it did indeed show the new service provider as XXXX Mortgage XXXX of my mortgage. However, BOA could not understand the fact that my XXXX titles ( double-wide home ) at the Alabama Department XXXX XXXX in XXXX, Alabama is still showing XXXX XXXX as lienholder and as long as XXXX XXXX is listed as lienholder, I WILL NEVER BE ABLE TO REFINANCE OR EVEN SELL MY HOME IN THE NEAR FUTURE. I have hit obstacles with BOA from day XXXX with no one ever accomplishing anything because they feel like they are not obligated to release the lien to XXXX. XXXX is no longer in business. Therefore, BOA should be the XXXX to release the lien to XXXX Mortgage XXXX since they assumed the mortgage of XXXX, the failed bank. If I wanted to sell today, it would be impossible -- thank goodness at this time, I am just trying to refinance. Therefore, I would greatly appreciate a quick resolution to this situation since I have received no assistance or help from BOA in remedying this situation.
I just want a formal apology from ARstrat for their innappropriate harrassment for 4 months. Once I paid them to get them off my back and told them I was going to file a complaint - I finally got my money back from them for money I never owed. They have been very rude and harrassing innocent people putting me through 4 months of " XXXX '' - I feel I should be compensated for their wrongful doing, no follow-through. No one should have to go through this torture for a {$10.00} copay that was paid on day of actual visit - despite the medical billing office saying they have spoken to ARstrat to clear this up - ARstrat denies all such communication with billing/doctor 's office. Still waiting for formal apology from ARstrat!
the mtg loan, shows many delinquencies which are inaccurate i have received a letter from XXXX stating that the specific dates were on time and need to be corrected. 
please find attached letter from chase, but the bureaus have only updated a few of those delinquencies not all. 
i have XXXX sons who are in military and serving this amazing country, and people. but when it comes to getting a helping hand from people and organizations for which my sons are serving for, i get nothing. i need help to refinance my house so wont loose the only thing that i want to keep for my XXXX sons. if i am not able to refinance i will be losing this house and all the memories with it. 
please help me to have these negative marks removed from my credit report. 
thank you for your time
I have had a credit card in good standing with Discover since XXXX. In or about XXXX they started charging me a credit protection fee with out my knowledge. I was a student at the time and my parents paid my credit card bills so I never noticed the charges on the account. In XXXX ii was in a class action suit against discover for charging me this fee and received a check for this situation however with out my knowledge they continued to charge my account up until I took over my bills from my parent in XX/XX/XXXX when i noticed this charge and called them to immediately remove it as i did n't authorize these charges.. Discover states I verbally committed to these charges. # 1 I was XXXX # 2 If I was in a class action suit why would you continue these charges after the lawsuit? # 3 I have called numerous time with people at discover stating they would credit me yet i only received a credit for XXXX and a letter stating they are only willing to go back 6 months.