WillisBack/dataset-financial-user-claim huggingface dataset:
I declared bankruptcy ( XXXX ) in XXXX XXXX and re-affirmed my loan with XXXX XXXX. XXXX reported my payments as " current '' which was correct. The issue came up when XXXX transferred my loan to Green Tree as of XXXX XXXX. XXXX failed to report my loan as " re-affirmed '' and this error was duplicated by Green Tree. As of XXXX XXXX Green Tree still continued to show my loan as in bankruptcy despite the loan being re-affirmed and the bankruptcy being discharged in XXXX XXXX. Green Tree also showed late payments in its XXXX report to the credit agencies which was not correct. I wrote Green Tree on XXXX XXXX, XXXX when i became aware of this. Green Tree sent me a letter dated XXXX/XXXX/XXXX where in they decided to delete the loan from any credit agency reports. The loan exists and instead of correcting the error they simply deleted the loan from all XXXX credit agencies. I checked my credit report with XXXX today and sure enough, there is NO Green Tree mortgage. So now the XXXX XXXX is still reported with last activity XXXX which is a mistake AND there is no note that shows a transfer to Green Tree because Green Tree simply deleted the entire loan account.
On my recent trip overseas I purchased a large appliance at an XXXX XXXX. Since I did not received the merchandise by the delivery date set forth by that store, I proceed it to e-mail them to cancel the order and requested a refund to my credit card charge. That XXXX did not replied to my e-mail nor answered my repeated calls. 

Immediately after, I called my Credit Card issuer a notify them about the issue and, within few days they reversed the charge. XXXX weeks later, they reapplied the charge stating that the XXXX in question produced a signed receipt of me. 

I requested from the Credit Card issuer an email documentation because I am still overseas and, therefore, do not have access to the document 's hard copies that they have mailed me. They refused to do so. 

However, I emailed the Credit Card issuer the chat transcripts and email documentation with the XXXX where it is outlined my several request to have the merchandise delivered and my final requested e-mail canceling the purchase. In addition, I submitted my XXXX Passport for signature comparison purposes. 

I am concern as to what my future options are, should the Credit Card issuer fails to recognized that I had been duped and does not remove that fraudulent charge form my account. 

For whatever is worth, I am holding an excellent credit rating for about XXXX years.
XXXX XXXX, works for evergreen profession recoveries. she is extremely rude, diarespectful, and deceitful. on numerous occasions I have attempted to resolve my payments by establishing a monthly payment that is possible for me, but if she does not like it, she makes threats about taking me to court and garnishing wages from my job. what I mean, is a different employee had offered me a certain amount to be paid per month and that was the best he could do, and the next hour she said changed it to a different amount. she went from saying XXXX a month to XXXX a month after 2 payments of XXXX. After telling her that was not feasible, she said " you know what, just throw everything to the trash. I 'm not doing anything for you. I will just garnish ur checks ''. bottom line is she is rude and disrespectful. and constantly makes threats and has no intentions of working with me when I am making an effort to pay them.
I found a derogatory account from Ditech on my XXXX credit reports from XXXX, XXXX, and XXXX. The account does not belong to me and I have never had any accounts with Ditech. I called the company on multiple occasions during XXXX 2016 to asked about the reporting details of the account. I provided my full name, social security number, birth date, and current address to multiple representatives and supervisors. They all claimed that they could not provide me with details of the account if I could not provide them with the address of the derogatory entry. I replied that there was no address reported on the credit report entries. I informed them that I had provided enough identifying information for them to confirm my identity and tell me the current status, history and balance details of the alleged debt. They all still refused to give me details and it went so far as to have a representative, XXXX, on XXXX XXXX, 2016, tell me that it was against the law for her to give me details of the address and balance of the alleged mortgage account. I asked her to cite the specific law to which she was referring and she could not respond with the specific law. I then told her that I was disputing any ownership of the account per my rights to accurate credit reporting under the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ). She replied that FCRA required all disputes to be in 'writing. ' I replied that this was not accurate and that my verbal dispute with Ditech was sufficient. I asked her to cite the section of FCRA that required disputes in writing and again she could not do so. I then spoke with her supervisor, XXXX, and disputed ownership of the account and also indicated the contradictory reporting of the account between the different credit bureaus. She said that I would have to file an 'identity theft ' report with the police to have the account delete. I replied that I was not sure if identity theft had occurred, only that Ditech was erroneously reporting the account and that I was contesting its accuracy and asking o have it removed in accordance with FCRA and Ditech 's inability to verify it, along with their misreporting. The account shows a XXXX mortgage that was foreclosed on, but is currently in collection and has an outstanding balance of {$81000.00}. This is contradictory. How could a balance be outstanding and charged off on a property that was foreclosed on. This is allegedly a XXXX mortgage, so no balance would be outstanding post foreclosure. Nevertheless, she insisted I would have to file an identity theft report. I replied that I would not and that Ditech must removed this inaccurate entry or I would file suit in small claims court for violations of FCRA. XXXX replied that I would need to proceed along these lines.
I APPLIED FOR A LOAN MODIFICATION ON MY INVESTMENT PROPERTY OWNED BY XXXX XXXX. I WAS DENIED BECAUSE " YOU DO NOT LIVE IN THE PROPERTY AS YOUR PRIMARY RESIDENCE ''. XXXX XXXX OFFERS LOAN MODIFICATIONS FOR NON-OWNER OCCUPIED PROPERTIES. ADDITIONALLY, I HAVE BEEN LATE EVERY MONTH IN MAKING MY PAYMENTS BECAUSE I CA N'T KEEP UP BUT AM TRYING MY BEST NOT TO GET FORECLOSED ON. 
Mortgage and Borrower EligibilityEligible Property TypesThe following property types are eligible for the Standard Modification : Owner- or nonowner-occupied properties. ( i.e., primary residences, investment properties, or second homes ). 
Vacant properties, but can not be condemned. 
Eligible MortgagesThe following mortgages are eligible for the Standard Modification : XXXX-lien mortgages owned, guaranteed, or securitized by XXXX XXXX. 
Mortgages originated at least 12 months prior to the evaluation date for the modification. 
Mortgages may be previously modified, but not more than twice.
There is a judgment showing on my report. I am attaching the paperwork from the clerk of the courts office showing this is satisfied and needs to be deleted. Clerks office said they do not report to the credit bureaus and suggested I go through this site.
XX/XX/2015, my mortgage was transferred from XXXX XXXX to Seterus , Inc . I set up automatic bill pay with Seterus, the first payment was set to auto-draft on XXXX XXXX. They payment never went through ( I was checking my own XXXX XXXX bank account ). The loan was due by XX/XX/XXXX, so on XXXX I got onto the Seterus website and paid it manually ( not via auto-pay ) so as not to be late on my mortgage payment. Two days after I manually paid the mortgage online, now on XXXX/XXXX/15... 4 days after the payment was SUPPOSED to have gone through, Seterus withdrew my mortgage payment. This double-payment resulted in me over-drafting my account, which resulted in further fees from my own bank, and I now have no money until the end of the month. Seterus has no listed phone number or email address to contact them to get the issue resolved. Issues must be resolved via fax or via mail ( actual mail, not e-mail ). I have faxed them, but it has now been almost 24 hours and I have had no response, and no way to contact them. I am now unable to pay all of my other bills and will certainly incur late charges on those bills as well.
On XX/XX/18, XXXX XXXX, a claims agent with XXXX sent a letter to the owner of the company I work for demanding I pay a debt that I have not validated. He disclosed the balance and gave me 7 days to pay a debt or they would send me to collections or refer my case for commencement of litigation in court an that they would advise their client to pursue legal action against me ( see attached email ). I called them and advised them that they can not send this type of information to my employer. " XXXX '' never gave me his title or last name, told me they can and that they have not violated FCRA. They claim I gave them my email. I assure you I did no such thing. My email is similar to the owner 's email and I have gone to great efforts to avoid my emails going to him or his to me, my email does not involve my last name. XXXX took a chance that the email they used was mine ( based on first and last name and the company 's standard ending ) but instead sent this threatening Information to the owner of the company that I work for. I fear they will continue this practice and ask that they properly learn that this practice is a FCRA violation and that I am compensated for the embarrassment suffered due to their actions. They had my correct address, why did they not mail me the letter. The email was a direct attempt to cause me embarrassment or employment loss. 

XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Direct XXXX Fax - XXXX ( See Attachment )
I had a loan with Toyota Financial Services ( TFS ) for a XXXX XXXX. I set up auto deduction for {$400.00} at the beginning of the loan. Every payment was posted on time. At the end of the loan I had a {$310.00} balance right before my XXXX XXXX payment was due. On XX/XX/XXXX Toyota Financial Services ( TFS ) deducted the same {$400.00} amount. I contacted them and I was told that since I authorized {$400.00} they pull {$400.00} no matter what the balance. I was also told that on XX/XX/XXXX a  refund check was cut. As of today, XX/XX/XXXX, I do not have that check. By the time I receive this money, deposit it and the check clears my bank it will be at least 7 calendar days. That is 7 days of " float '' on my money that I will not be getting. Now, that amount is very small until you sum up all of the customers that they have done this to this year. Then it becomes a large 0 % loan on the backs of the consumer. I believe that is unethical. I believe you have the power to force them to deduct the regular monthly payment or the payoff balance each month whichever is lesser. Thank you
A company called " I C Systems '' reported a delinquent account to credit agencies. My credit report ( XXXX ) now shows a negative collections item reported by XXXX XXXX XXXX XXXX. The original creditor is listed as " XXXX '' and carries a balance of {$130.00}. This is NOT my debt and I believe this is some type of " blanket '' collection attempt, or perhaps fraud on the part of XXXX XXXX XXXX XXXX.
I have a PayPal Credit card that I did n't " knowingly '' apply for. I thought I was making a donation to XXXX and paying for it with a credit card that I use for everything. Later I received a billing statement from PayPal. I called to get an understanding about the bill and " credit card '' and learned that I had actually opened the account. This struck me as odd and deceptive. When reading an article on the internet today, I decided to report this.
This is being sent in response to notices sent to me from " XXXX XXXX XXXX '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
On XX/XX/XXXX I made 2 payment via XXXX bill pay to Wells Fargo Dealers Services. The first on in the amount of {$4900.00} was a payoff of the car loan and second in the amount of {$3000.00} was made in mistake. I called WF to explain what happened that I 'm owed over payment of {$3000.00}. After few calls, they locate that money and said they will issue a check on XX/XX/XXXX. I waited and waited and called them yesterday since it 's been over a month and I have n't received anything yet or seen anything in my bank account. They said that they sent a check to Payment Processing Center, XXXX XXXX XXXX on XX/XX/XXXX. Why I asked they why they sent it there, they had no explanation. It should have been sent either to my home address on a loan or via direct deposit since payment were made through bill pay. I asked them to put a stop payment on a check and issue a new one and send it to my home address. They refused because it was cashed on XX/XX/XXXX. I called a bank 3 times yesterday and they can not locate anything. I asked WF about prof of being cashed but they refused to send me anything. My hands are tied now, bank says they do n't have anything and WF claims the money was sent! What am I supposed to do now? I spend 2.5 hours on the phone yesterday going back and forth and nothing! And XXXX XXXX XXXX? It sounds like scam! If I were late on my car loan, I would have been charged late fees. I not only can not charge late fees on my {$3000.00} that they have but ca n't even collect my money back from them!
Experian keeps reporting 2 Bankruptcies on my credit, I have called them and my attorney has written them a letter that this information is invalid along with supporting documentation. They refuse to supply where they are getting the information because they claim its from the bankruptcy court on my report but they told me they did not report to them and this information is invalid I have NEVER filed bankruptcy. Why will they not supply me with the real source of their information. This is a violation of the fair credit reporting act. I have been fighting this for months and they refuse to really give me any valid proof or documentation I have requested of why this is on my report, it does not match the other agencies reporting???
I've ( XXXX veteran of foreign wars ) worked in XXXX  in XXXX and XXXX and XXXX. The schools accredited or not, have refused to sign the student loan forgiveness letter provided by Navient. Navient requires the school finance officer to sign the document. However, what if the school won't sign it due to workplace issues or even forced labor? I was XXXX  five subjects at XXXX XXXX. Also, one year of XXXX  in XXXX is equal to XXXX  five years in American hardship schools and location. I have XXXX here for five years resulting in my inability to pay my student loans. XXXX  in XXXX as a military veteran, a mentor in the classroom, is almost priceless. I would like XXXX $ forgiveness for every 3 months employed as a XXXX in a third world country. Technically, the schools can force foreign migrant XXXX, even American veterans, to work illegally by not providing a work permit or even outpatient health insurance. I am at greater risk here than when I served in XXXX! Indeed, I do not get hazard duty pay. My competition for XXXX  jobs comes from the XXXX XXXX who comes here to XXXX almost for free on year contracts. This makes it harder for me to maintain full time positions without allowing for modern day slavery.
I have tried numerous time disputing hard inquiries with Experian. 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 Experian with no response. Some were Return To Sender. Experian refuses to delete them from my file.
I have a Capital one credit card open currently in good standing. I just received an alert someone opened another card with capital One in my name and it is NOT ME. My credit score was lowered and it was denied and idk what or who did that?! I dont know what to do. Please help
I filed bankruptcy and capital one was added to my bankruptcy i contacted them numerous times to have the card reported as bankruptcy but they keep updating it on my credit report as charged off. I need to have this debt validated showing i owe them and it was not included in bankruptcy
Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from JH Portfolio Debt Equities which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
On more than a half dozen occasions, Wells Fargo has charged me late fees for payments made on time. My payment is due on the XXXX of each month. This past month, my bill was in the amount of {$250.00} and was due on XXXX/XXXX/16. Wells Fargo mails the monthly invoices sometime between the XXXX and the XXXX of the month. For the bill due XXXX/XXXX/16, they mailed the invoice on XXXX/XXXX/16. I paid my bill by automatic payment on XXXX/XXXX/16. Because it arrived before they mailed the invoice, they did not credit it to the XXXX/XXXX/16 and charged me a late fee. Essentially, they have created a variable period within each billing cycle where I can not make a payment. In this past month 's case, any payment made between XXXX/XXXX/16 ( the day the XXXX invoice was due, and was paid in full ) and XXXX/XXXX/16 ( the day after they mailed the invoice ) would float in the ether and not be credited towards the invoice due for that billing period. This has happened over and over and over. SEE CFPB Case number : XXXX from last month. I have filed several XXXX complaints and each time Wells Fargo reverses the payment. It requires constant vigilance. I can not believe other consumers are not being hit with these fees too.
I filed for bankruptcy thru my attorney XXXX XXXX on XXXX.2017 and got my discharge ( No : XXXX ) from US Bankruptcy Court XXXX District of Texas on XXXX.2017. I checked my credit report on the XX/XX/XXXX and saw that Fidelity Creditor Services Corporation has filed a a new collection claim under a new
Fidelity Information Corp. All other claims have fallen of except for Fidelity Corp ( for XXXX XXXX XXXX ). When I called Fidelity ( a CA based Corp ) they said they never got my discharge. I know this is a lie and a cheap trick because they are moving the claim from one corporation to the other. And, therefore claiming Fidelity Credit Services never got the discharge! This is a fraudulent activity. My debt to XXXX XXXX XXXX pursued by Fidelity Information , Creditor Services and/or any other subsidiary of Fidelity Information Corp has been erased by the US Bankruptcy Court on the XXXX of XXXX, 2017. And, it should not hit my credit report as a collection that requires attention. Account XXXX : XXXX Fidelity Information Corp. XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Fidelity Creditor Services XXXX XXXX XXXX XXXX, CA XXXX Please, get these unscrupulous people of my back. Sincerely, XXXX XXXX XXXX
They called to my cell, and I explain to them that I already paid it. I have all evidence but they keep calling to me. I ask to stop call me, but they call to my work after I ask not to call. 
They never sent me written notice but keep calling to me.
I received a call at XXXX XXXX XXXX time from Phoenix Financial. Though they are in XXXX, they confirmed my address as in XXXX, so they were aware they were calling before XXXX. I missed their phone call, and called it back where a gentleman stated his name and the XXXX XXXX, Phoenix Financial. He then demanded to know my son 's date of birth. I was extremely taken aback because my son and I have both been victims of abuse and stalking, and ironically, my son 's name is XXXX. When I diverted the question of my son 's birth date, I immediately was asked very sarcastically " Oh, you do n't know your son 's birth date? '' I said I was not required to give it to him, and I did n't feel comfortable divulging that information. I quickly reminded him that I returned the phone call, so I did n't feel I was being evasive. He again answered with a rude and sarcastic tone saying " Oh, you returned my phone call? Well maybe I should send you some cookies. '' I was so shocked I hung up and called immediately back for a supervisor. She said she would take care of it, but I still wanted to make a note of it. Our protective order and stalking injunction is available if you need to see it or my telephone call records.
Rush are stated the system is up and working. I called at XXXX today and was told the system crashed again. Just tried to login and the system is still down. It 's been over XXXX hours.
Every time I deposit my payroll check they put a hold on my funds. Last time the put a hold of 4 days on a payroll check that I deposit twice a month the same amount. I stopped depositing the check and had to go to the other bank to cash my check with a teller and then deposit the cash in my bank. This week J tried it again and after putting the funds available I noticed they put a partial hold after the had already cleared all the funds..
we took out a XXXX mortgage on our house to have some work done XX/XX/XXXX. 
XX/XX/XXXX we rolled both the primary mortgage ( XXXX XXXX XXXX ) and the XXXX mortgage ( GE Money Bank ) into one mortgage with a different bank. GE Money Bank never released the lien on our house. We are trying to get an equity line of credit to have some more work done on our house ( all mortgages have been paid in full since XX/XX/XXXX ) and with this lien showing on our house we can not get the loan needed. I have been talking to multiple persons with Synchrony Bank ( GE Money Bank was renamed to Synchrony Bank ) and they say that they can not help me as they do n't do this type of loan. We need this to be resolved as soon as possible.
Another collection company XXXX XXXX XXXX XXXX sent me a notice in XXXX about a bill from XXXX XXXX XXXX. I sent them a letter requesting verification of the debt and the contract that was valid for the account they were attempting to collect on. I never received any further communication from the company. Yesterday, I look on my credit and there is a collection from SW Credit Systems LP for the same alleged account. I have not received any communication from them and as it stands, I am sure the same way the other company was unable to verify the debt, they are not able to verify either.
Summa ry : Ocwen is not reporting Mortgage payment to any of the credit bureaus for over ( 11 ) M onths.     Made numerous contacts with Mortgag e Company and they investigated and concluded it was not being reported and gua ranteed that it would be reported as of  XXXX   2017 . As of this date it is still not being reported.     I have contacted their investors  XXXX    XXXX   and they too stated they would resolve this issue. There has not been any action taken on their part as well.
I have a credit card from Macy 's. Without my consent, they enrolled me in a credit protection program from Citibank in which they will charge my account. I received a letter I was enrolled in the program. They provide a web site for me to cancel. i search the address sevral types and nothing shows up. I have to try to call them to cancel. I am a very busy oerson and I should not be enrolled on programs without my previous consent.