WillisBack/dataset-financial-user-claim huggingface dataset:
it started as XXXX XXXX, XXXX XXXX. Green Tree Serving, Di tech.Now I pay my insurance to these people. I tried to make appointment to make a claim they never answer the phone.All they ask for was the Mortgage payment.The front door haves a XXXX to XXXX inch gap in it and the back door to.We have to sleep with two by fore under the door handle front and back.We told them that the foundation is shifting they never replied.We or behind in our Mortgage and they trying to fore closes.PLease I 'm not trying to get over on these people they or getting over on me.Please could you help me and my family.
Toyota Financial Services called my workplace and spoke to my co-worker and told him she was allowed to call me at work and that she was calling because I was behind on my payments on my car. The Representative 's name was XXXX and ID is XXXX
There is a paid collection from 2012 that i had an agreement with creditor to remove after final payment which never happened i faxed copies to all XXXX credit bureaus, they all deleted this collection from my file, transunion was the only agency to re add the collection back on my file after the investigation and deletion further dropping my credit score.
I had an online payday loan from XXXX XXXX for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from XXXX to be given to a creditor ( AD Astra Revovery Services , Inc. ). I could no longer contact XXXX about my account because it was sold to a creditor without my permission. My rights were violated by both XXXX and Ad Astra Recovery Services, inc.
I have a credit reporting alert from credit collection services.   The are trying to collect {$600.00} for  XXXX   XXXX .     I do n't have any accounts with  XXXX  or owe them any debt for services. I believe this is another instance of my identity thief ordering services using my credentials.     I called  XXXX  early this year (  XXXX   )  regarding the account but it has n't been resolved and I keep receiving collection notices and payment delinquency damages to my credit.
My loan balance does not seem to be going down at all and I 've been paying in it for almost 10 years now. The interest is ridiculous. I 'm a single mom, work full-time, did n't finish school, my fault because I got pregnant and ran into hard times. But I still do n't think I should be struggling to pay off this loan. They are making money off of me, that 's for sure. I understand everyone and businesses need to make money, but this is a little out of hand and ridiculous. It would be nice if they would wipe away my loan debt and use it as a charity write off .... please!     Thanks!
I have tried numerous time disputing hard inquiries with Equifax. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Equifax with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Equifax refuses to delete them from my file.
Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.
I fulfilled my contract with XXXX and all my bills were paid and current when XXXX ported my number, over a year ago, to XXXX XXXX XXXX. XXXX always billed me XXXX month in advance and they personally ported number my number over to XXXX XXXX XXXX and said good-bye. It was at the end of billing cycle and they always billed XXXX month in advance. My account was in good standing and paid in full during that billing cycle. Approximately, 3 months later, they called me claiming I owed them {$100.00}. I told them about this and they claimed they would clear it up. Of course, that did n't happen and they called me several months later saying i owed this money to XXXX. I told them this was not the case so they threatened me to report to credit agency and they did. They continue calling on many different numbers. I have blocked so many of there calls that XXXX wo n't let me block anymore numbers. They call the house and then my cell phone at all hours of the day and night and on all kinds of numbers across the country with many different agents. They are rude and XXXX agent literally yells at me. Please end this and make them remove this from my credit. I was a great customer of XXXX for over 5 years and this is most distressing. I will never do business with them again nor will I not pay them money when I do not owe them any money and if you do n't believe me, just XXXX the Internet and you will find hundreds of other folks with this exact same problem with XXXX. Ps. They never mailed me any written documentation and they all have the wrong address. Please help me.
On Wednesday XXXX XXXX I physically handed a Revocation and a Power of Attorney letter to National Financial LLC XXXX Loan Till Payday to stop payments of {$170.00} from coming out of my checking account. 

They did not honor the letter and processed to take the amount out anyway.
XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported
Equifax credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.
My mortgage loan was purchased by Dovenmuehle Mortgage on XX/XX/2017 from XXXX. XXXX bank sent a notice they would no longer accept payments effective XXXX XXXX, so I mailed my XXXX payment to the address provided for Dovenmuehle Mortgage. They cashed my payment on XXXX XXXX, but never applied my payment to my loan. Today is XXXX XXXX, and they still have not applied the payment. Dovenmuehle earning interest off borrowers money and causing borrowers principal balance to increase because the payment is never applied. I am confident this violates banking and consumer laws, and this must be stopped immediately.
We have been receiving calls for a debt owed by someone that we do not know who may have had my husband 's cell phone number before. I didn't know that the company was looking for someone else until today when the calls started all over again and this time the caller mentioned the person 's name but I couldn't understand what he said. The calls come to my husband 's cell phone from NCC Business Services, XXXX XXXX XXXX, XXXX, FL XXXX or NCC Business Services XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX from XXXX. I called the number back and got a message that " If you are? person, ( couldn't make out name but not ours ) press 1 for an agent '' The first time we filed a complaint our ID for complaint was XXXX and we got a message back that the president was sorry he had bothered us and that it wouldn't happen again and that we had no debt but this time we suspect there may be a debt belonging to someone else.
CRA INACCURATE LATE PAYMENT WITH XXXX XXXX XXXX ACCOUNT # XXXX, AND ADDRESS, NAME, TELEPHONE THAT I DID NOT AUTHORIZED, APPEARED ON MY EXPERIAN CREDIT REPORT.
I have reviewed this company 's response regarding the release of the CAR Title. The state of Texas has no record of this title and the state of California is expecting me to hire a notary, pay the notary plus pay for a duplicate title. This company did not update their records accordingly and obviously can not keep updated information regarding a past due amount which does not exist. I have been living in Texas for 10 years since XX/XX/2009 and the car was purchased in California. I made all my payments on time and this company failed to update their information with the Department of Motor Vehicles. This is not a frivolous request and I should not have to incur further expenses due to their incompetent ways of keeping accurate and correct information. I am demanding the Car Title delivered to my home address immediately. Why should I have to pay for this company 's erroneous record keeping. I have contacted the Attorney General 's office and they have also will be conducting an investigation.
My mortgage company is Carrington Mortgage and I am having issues with them releasing an insurance check. XX/XX/XXXX we found out we had a slab leak and the plumbing company came over to detect the leak and during the process they cut off hot water and and all the water pipes except one in the upstairs bathroom. XXXX XXXX put me in contact with field adjuster XXXX. He came over viewed the property sent results to XXXX XXXX the desk adjuster for XXXX XXXX. She in turn sent information to Carrington Mortgage Loss Department under loss draft # XXXX   and approved the claim with a checkXX/XX/XXXX Carrington has been holding the check for some unknown reasons. I have spoken with them and informed they are putting my family at risk because we are currently boiling water and carrying water up and down the stairs. They are withholding funds that have already been approved by my insurance company. Please help me-we can not go any longer without water. It has been over a month.
I have been attempting to get an inaccurate bankruptcy off of my credit report with Experian for months. I 've requested verification to prove it belongs to me however ; they have refused to send me the copies of the documents they used to verify that it indeed belonged to me. This is required by FAIR 15 USC 16811 and secition 611 ( a ) ( 5 ) ( a ) ( i ). All letters sent were sent certified mail to confirm receipt.
Also under the new law effective XXXX XXXX, 2017, any public record data must include name and address, as well as social security number and date of birth in order fo it to appear on your credit file. The credit bureau has not updated the information and per the new law the inaccurate bankruptcy listed on my report does not include this information and should be deleted immediately from my credit report.
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018
I 've been having some issues with OCWENLoan Servicing, because I believe they are not being truthful in trying to help consumers. Ocwen claimed they refinanced my mortgage, yet they added an additional {$30000.00} plus on to my principal. I 've been paying my mortgage for the past few years successfully and on time, yet I received a letter from OCWEN stating they have to increase my mortgage payment because I did n't pay enough toward my escrow account. Whenever I call them concerning an issue in regards to my mortgage, the person at the other end of the phone can hardly XXXX, much understand what I am saying. I have to constantly repeat myself. This company needs to be investigated in regards to their practices.
Cross Country approved our loan, made us jump through hoops and pay a bunch of debt off including our home which we sold. We were supposed to close on the house we sold and on our new home the same day. When that day arrived we were told we needed to submit more documents to give Cross Country and it would be a couple of days before we could close. We paid off our mortgage, had over {$100000.00} in equity that we had to deposit in the bank waiting for closing and paid off several small bills to the tune of {$16000.00}. Not to mention we were now homeless. We ended up staying with family for 5 weeks and after jumping through all of Cross Country hoops for 3 more weeks and then they denied our loan. We had to pay for an additional appraisal out of our pocket. We both have excellent credit, had a bunch of money to put down and paid off nearly all our debit. I called our local bank and they closed the loan in 2 weeks with a lower rate. We hired an attorney to take care of the legal side of this issue and all the money we ended up wasting due to the poor communication and lack of knowledge from their rep XXXX XXXX XXXX.
com & gt ; Subject : Credit reportingbureausMessage Body : I want to place an inquiry and a complaint about thethree credit reporting companies especially Equifax since it it 's reports arefavored by businesses. 

Inquires, such as ones for auto financing, or forthe leasing or purchasing of a home, should not be called hard inquiries because shelter and transportation is a necessity of life. These inquires stay on the record for two years. 
I gave an auto dealership permission to run acredit check, which I thought would be done XXXX time. However, they placed atlease XXXX hard injuries against my record in a few days. That reduced my pointsconsiderably. I was trying to help a young adult relative to get transportationfor work. 
Why does Equifax score the lowest in the industry? Some one needsto look into how hard inquires are determined. Inquires about transportation andshelter should not be considered a hard inquiry and should not be charged against a person 's credit score. 
If this is not the correct place to make these inquiries, please direct me to the best place. 

XXXX XXXXXXXXXXXX
I have a Chase Credit Card that is co-branded with Marriott. I used to pay {$85.00} a year but now my circumstances have changed and I no longer need the credit card but I do n't want to close the account because it will have a negative affect on my credit rating. Chase refuses to off an alternative - either I have to pay {$85.00} extortion or I have to close the account which will have a negative affect on my credit rating and is an unacceptable alternative. This is not fair to the consumer and this issue needs to be addressed.
Midland Credit Management ( aka Encore Capital ) continues to contact me regarding a credit card debt collection. MCM sued in Superior Court for the contested credit card debt ; the suit was DISMISSED AT TRIAL and has not been refiled. However, MCM continues to call and harass for debt payment.
I receive daily calls from South West Credit Systems, They refuse to provide me with any additional identification as to who they are, I have repeatedly asked not to be contacted because I do not have any outstanding balances with any creditors. They will not cease to harass me.
I made an agreement over thee telephone to pay them {$210.00} for 7 months, I only brorrowed {$800.00} from them in which there trying to charge me an interest rate @ 800 %. They did not disclose this info until the papers were signed for this loan. I asked this company to send me an email with the new payment arrangements and they never did. I have come to the conclusion that that {$210.00} per month would be interest only. They are trying to make me pay {$6200.00}.
Bank of America refusal to conclude on the case # XXXX I have filed on XXXX after exceeding the self-stipulated maximum consideration period of 30 days. 

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Upon bank 's refusal to pay me the due US {$200.00} bonus for opening a savings account back in XXXX XXXX, on XXXX I have filed a dispute # XXXX. The bank 's representative has informed me in a phone conversation that the the issue is to be considered within 30 days period and the bank will communicate its decision in a written form. 

On XXXX, XXXX, XXXX I have called the Bank again ( phone XXXX ) asking about the status of the dispute # XXXX. The representative has refused to connect me to the department that was supposed to be handling my dispute. But she has told me that 1. the Bank has n't reached a conclusion in this case ; 2. the Bank refuses to issue any official communication to me upon completion of the 30 day period ; 3. the Bank refuses to estimate the additional time that will be necessary to complete the review of my case ; 4. however, I 'm free to call them on a daily basis  inquiring on the status of my case.
On or about  XXXX / XXXX / XXXX   Trans Union  reported  XXXX  student loan as 'unpaid balance charged off '. On other dates listed in credit file number  XXXX  included the same account numbers listed as "  XXXX  '' address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SD reported account numbers  XXXX  as date opened of  XXXX . Changed to another account number by   XXXX   XXXX  . On other previous occassions  XXXX   XXXX   XXXX  reported 90 day past due marks on credit account. All of which where erroneous.  1 ) Reported payment history deleted 2 ) Reported statues erroneous 3 )  Reported past due erroneous  XXXX . Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. ''  XXXX  False or misleading representations " Communicating or threatining to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec  617 A ny consumer reporting agency or user if information which is negligent in failing to complywith any requirement imposed under this title.  ( 2  ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec  611 ( c ) " Whenever a statem ent of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelavent the consumer agency shall clearly note that it is disputed by the consumer and provide the consumer statement or a clear and accurate codificatuin or summary thereof ''.  XXXX   XXXX   False or  misleading representations  ( 10  ) " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.
Experian has continuously failed to provide me with the method in which they are verifying and reporting inaccurate information on my credit report. I have submitted written requests over the past 6 months (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  ) inquiring about their methods of investigation, re-investigation, verification, and reportability. However, Experian continues to avoid providing me with the information requested and permitted by the FCRA.     I currently have an open complaint still showing (  XXXX  ), but have received notice from Experian that the alleged information is verified and it will not be re-investigated. I require clarity on the initial status of this complaint as there is now a discrepancy.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
i rep [ orted to both XXXX and bank of america and XXXX ic3 file called agent XXXX in XXXX kentucky and local police months on line been scammed i beleve from ex employee for {$80000.00} im getting no were im on SS cant pay and credit report cant borrow on house of bad credit report XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ky XXXX cellXXXX ... bank of america card #  XXXX XXXX XXXX # XXXX.
In XXXX of 2016, I discovered a public record of bankruptcy on my Trans Union credit report. Using the address TransUnion provided, I attempted to contact XXXX XXXX Bankruptcy court using the address provided by TransUnion and the letter was returned as undeliverable. TransUnion is responsible for providing accurate contact information so that consumers may verify accounts. I contacted TransUnion via certified mail requesting that the item be removed due to inaccurate reporting and included copies of the returned mail as well as the timestamped report showing the inaccurate creditor address, and they replied via mail stating the item was verified and did not remove it from my report. They did not provide any documentation bearing my signature or mark the item disputed. An employee finding my name in a third party data mining database does not constitute verification. 

I am aware that federal courts do not report to credit bureaus and that they did not provide signature verification to any of the reporting agencies.