WillisBack/dataset-financial-user-claim huggingface dataset:
the complaint is against receivable performance mgt .. Upon review talking with XXXX XXXX .. who paid all bills concerning internet and XXXX XXXX ..According to XXXX XXXX ... XXXX XXXX been paid in full and that Receivable performance is not authorized to collect any debt relating to my account..That in fact the account is paid in full ... tracking # is XXXX conf # XXXX ... ... Further XXXX   failure to protect the consumer and allow a unathorized collection from a shady company like receivable performance mgt to harm my excellent credit ... what is clear this company Receivable performance violate federal and state laws from unathorized use of my Social security #., providing false information to a credit reporting agency, I hope your agency investigate this and refer it to criminal review thank you
My loan was sold to Ditech Financial LLC. I have been trying to change my payment back to every other week from monthly. Although they state offering this service and have a corresponding form, they continue to reject my request and can not tell me the correct start date I need to put on the form with the appropriate day of the week for approval. They continue to reject the form stating I need a different start date or day of the week for the biweekly payments. They also requested that I pay an additional month in advance -- but instead of applying this to the biweekly payments- they took the money off of the balance of the loan and are now again requested an additional payment. Today I called their help number, but their computers are down and they ca n't see my account. Dealing with Ditech is like going to a dysfunctional circus. They will not benefit from me paying of my loan sooner -- therefore they are making the process very difficult.
Obama Care mishandled my XXXX claim XXXX/XXXX/2016. Now that my claim is paid by XXXX, Frost-Arnette The Collection Company is trying not to pay me back what I personally paid of my own money. They threatened to seize my assets last year for the medical bill. Even though I had insurance, they were very cruel to me. Tonight they called and said, " this is an attempt to collect a debt .... '' I quickly responded that they owe ME. I do not owe them. Can you please help me get a refund?
This file has been under review for a short sale for 228 days, I have documentation and proof to back this up. 

The file was WRONGFULLY closed XX/XX/XXXX as I called on XX/XX/XXXX to confirm there was nothing else needed and I was told we were to expect approval any day. 

I call on XX/XX/XXXX and was told the file was closed out. I had to RESUBMIT the entire packet again. 

I called at least once a week to check on the file and was told to send one correct which it would do immediately because I already submitted the document. I would call the next day to confirm receipt and was told to resend something else. 

I spent over an hour on the phone with XXXX in the short sale department on XX/XX/XXXX to confirm the documents he needed. On XX/XX/XXXX, I confirmed a complete packet. He also confirmed our offer is HIGHER than the BPO value. 

There is a foreclosure date set for XXXX and it NEEDS to be postponed. This file was wrongfully closed TWICE now. We are on our SIXTH approval extension with the XXXX lien. There is no excuse for this file to be handled this way. 

XXXX XXXX XXXX P : XXXX F : XXXX
XXXX XXXX XXXX oversees my XXXX XXXX  store card. XXXX XXXX XXXX   claims that I was late in the month of XX/XX/XXXX ; I was only informed because of a credit alert that came to my email on XX/XX/XXXX.

My wife paid my bill, and made two extra payments in calendar year XX/XX/XXXX ; we have never missed or been late with a payment.

In XX/XX/XXXX my wife called the XX/XX/XXXXXXXX  automated system to ascertain the amount of our payment for the month. The automated system stated that no payment was due - {$0.00}. She paid the payment for the month of XX/XX/XXXX assuming that the payment would not change, as she had made 2 additional payments inXX/XX/XXXX, and the automated system stated no payment due forXX/XX/XXXX.

I called XXXX XXXX XXXX   immediately upon receipt of the alert on XX/XX/XXXX and was informed that we had not paid inXX/XX/XXXX or XX/XX/XXXX and that the amount due was over {$160.00}. I paid them {$200.00}, and explained that their had been a mistake. Had we known that a payment was due in XX/XX/XXXX we would have paid it, and the XX/XX/XXXX payment, which they did receive in XX/XX/XXXX would have sufficed.

I have submitted disputes with XXXX  and XXXX XXXX. XXXX XXXX XXXX did remove the late fees, and did remove the late payment fromXX/XX/XXXX but refuses to removeXX/XX/XXXX, even though a payment was received. I also informed XXXX XXXX XXXX that their automated system may have been mistaken, and recommended that they investigate.
We were shopping for Mortgage loan soon after our house contract was sighed. At the very beginning, we talked to XXXX XXXX and were very happy with their offer. BOA Mortgage Lender approached us and agreed to match XXXX XXXX  offer. Because of this, we turned off XXXX XXXX offer and chose BOA given that we are existing BOA customers, we thought it may help to streamline the loan application process. Unfourtnately, the experience was very unpleasant. 

- BOA failed to provide the offer they agreed. At the time when the lender approached us, she agreed to offer us a 3.125 % interest rate with no point and no application fee. However the loan estimate has both point and application fee. We questioned the discprapancy and the lender explained it was due to internal system internal issue and she will get it refund to us. Given the tight closing time, she suggested us to proceed with the loan to avoid delay and promised to refund the difference to us. 

- BOA failed to respond and resolve this issue in a timely manner. We keep asking for the refund progress but no response yet. The issue was escalated to the lender 's VP and then another division. We were informed the person was on vacation and no estimated time of cure was given. 

- BOA failed to act professionally. I 've seen several mistakes at the closing statements - typo in the address of property we bought, revised closing figure which we percieve a reasonable lincesed lender would not do so. The clsoing date was delayed because BOA failed to provide all documents to escrow timely.
On  XXXX  a contract  was made with  XXXX  management to rent an apartment between myself and two other people. One y ear later the contract was renewed on  XXXX   XXXX  with a new company that took over the apartments named  XXXX   XXXX   XXXX   XXXX . with myself and  two new other room mates. One of my ro om mates decided to leave in  XXXX    XXXX   but continued to pay until end of  XXXX    XXXX   but during that month he states he will not be returning to  XXXX  and will be staying in  XXXX . As of  XXXX  and  XXXX    XXXX   I asked the personnel if I could get a smaller apartment by myself within their apartments since other room mate had left out of town and would probably not be returning and my other room mate lost his job. Front office personnel stated they had to sign a form to release me from the contract, which room mate refused to sign and they could n't move me. On  XXXX   XXXX  I found another apartment with another company due to not having any more room mates and company not cooperating. During the middle of  XXXX    XXXX   the apartment keys were given back and company immediately begun renovation for new awaiting tenants for  XXXX ,   XXXX  . Rent was paid in full for  XXXX  while company was renovating. I am sent to collections shortly after without receiving a bill, notice or explanation of what is owed on  XXXX   XXXX .
This company was assigned a debt by XXXX XXXX XXXX.  In XX/XX/XXXX I received an invoice from XXXX XXXX XXXX. I called them and explained that I did not ask for or agree to storage services. At that time, I was told they just automatically do it, and that since I didn't ask for this service it would be taken care of. I did not hear from them again until XX/XX/XXXX, I received a bill for nearly 4 years of storage that I never agreed to in the first place, and thought I cleared up in XX/XX/XXXX. At that time, the person I spoke with said that she could see my conversation and it would be written off. After this time, I saw a collection agency, XXXX, on my credit report and called them to state that this was not a valid account. They were typically rude and said I needed to pay some $600+ to clear it and refer me back to XXXX. I refused, and stated again that I did not have any account with XXXX.  Again, I didn't hear from these people (XXXX) until XX/XX/XXXX, when I received another statement in the mail. I called furious and they told me I had to pay them over $1200 or they would ruin my credit. Then they told me that they sent me a form in XX/XX/XXXX that I was supposed to sign. I never received any such form and I told them this. I called XXXX and they refer me back to XXXX.  She said she was sending again but that I had to pay or she would ruin my credit and then sent an additional collection to XXXX. Once again I never received any form. I phoned again today, and she agreed to send me this form via email. Now I've received a form for the first time in 10 years and signed a form cancelling a service that I never agreed to in the first place. I've asked both XXXX and XXXX to remove this from my credit for 10 years now. She once again demanded that I pay the money and said she was adding more to this supposed debt, and then said that was between me and XXXX, who repeatedly sends me back to XXXX. That is extortion and threats to my financial well being. This was repeated today. I will not pay this company a dime. These tactics are shameful.
Equifax, To whom this may concern ; I mailed a Multiple Inquiry Removal Letter and have made numerous online disputing attempts in regards to 7 hard inquires on my credit report. Each dispute has ended the same with Equifax stating the same response to each inquiry " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' These hard inquiries are not factual. They are being disputed for a reason ... .I DID NOT AUTHORIZE. I have contacted each of these creditors and they all give me a hard time directing me back to the credit bureaus reporting these errors. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. That fact I keep receiving completed investigation reports after 2 days of submitting the investigation leads me to believe no proper investigation is being done. For example the most recent dispute I made was on   Tuesday  XXXX   XXXX ,   XXXX   and I received my results today Thursday  XXXX   XXXX . I am submitting this complaint due to the lack of investigation into these unauthorized inquires. Im requesting evidence of the results of all the investigations I have submitted, the name of the agent responsible for performing the investigations and the person or people contacted at the institution reporting this inquiry. It is my legal right to have Equifax substantiate anything they are reporting on my credit bureau. I will not take the same response as before. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Today my husband XXXX XXXX, received a disturbing call from XXXX with Bilateral Credit. XXXX NY Bilateral Credit XXXX, Ext XXXX XXXX advised him he was calling re a debt incurred over 2 years ago with XXXX XXXX XXXX XXXX 
My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. 
In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. 
Please respond with any requests for documents or call history records as necessary.
Chase Credit Card Dept sent me a solicitation to upgrade my XXXX XXXX XXXX Credit Card to a Premier XXXX Rewards Credit Card in XXXX 2015. They promised me XXXX XXXX XXXX XXXX if I charged {$2000.00} with them in 90 days. I called them on XXXX XXXX or so and spoke with an agent who approved me for the upgrade without a credit report since I was already a customer, provided I spend {$2000.00} on the card in 90 days. I spent {$4000.00} in the time period and questioned them many times for my XXXX miles. 
I was told by many agents that I was approved and the marketing dept would send me the XXXX miles to my SouthWest Airline Rapid Rewards account. Nothing happened. 

I filed a complaint with their Executive Offices and Chase just blew me off. Finally last week an executive office agent named XXXX stated she reviewed the tape recording of XXXX XXXX conversation with me and I was correct that an offer was made to me and I did fulfill the requirements BUT, she said the agent told me I could not get a Premium card without Chase securing a new credit report. I ASKED TO HEAR A COPY OF THE XXXX XXXX CONVERSATION BUT CHASE SAID I NEED TO SUE THEM AND FILE A SUBPOENA TO HEAR THE TAPE. Another rep said the agent on XXXX/XXXX/15 conversation made a mistake. I followed the solicitation and did what I was told. I want my XXXX airmiles as promised. We had a deal and the tape recording proves it. I want a copy of the recording and my miles and an apology from Chase.
My loan servicer changed from XXXX now to XXXX ( Nelnet ). My loan interest rate was reduced to 0 % with a loan modification I did a few years ago. Now Nelnet is charging me a 1 % interest rate and has already applied interest to my loan! This is disturbing beyond belief!
I have an issue with Navient, my loan servicer, because they have not fulfilled my request for an Income-Based Repayment loan repayment schedule. 

I have requested income-based repayment options from Navient on multiple occasions. Most recently on XX/XX/2016. They tell me I need to submit proof of income repayments. I used their website to upload them, based on advice from their support staff on the phone, and then Navient sends me a letter stating they can not process my application because they did not receive it. This is a problem for me, because it pushes back the date that my loan may be reduced, which I desperately need since my wife 's income changed significantly. 

I need support to ensure that Navient will process my IBR application and they seem unwilling or unable to help. I would also accept my loans being transferred to another provider given that Navient has well-documented problems.
I submitted information to register with a loan repayment plan as soon as my loans came due and it was clear I would not be able to make the standard payment. I filled out the forms and submitted my tax information electronically through the federal government website on XX/XX/XXXX. I was informed on XX/XX/XXXX that my information was received by Navient. I called Navient around XX/XX/XXXX to check on the status of my payment plan application and was told it was being processed that it was currently taking 3 weeks and it would be processed by XX/XX/XXXX in time for my first payment. ( It is not easy or intuitive to find ANY contact information on the Navient website ) I called again on XX/XX/XXXXbecause I could not determine if the payment plan had been processed and it is extremely difficult to make the full payment this month. I was informed that not only had they already begun to charge my account 3 days ahead of the due date and could not stop the charge but that they had also not begun to review the application. The only option I would have would be to issue a stop payment through my bank and go into forbearance and be charged all the compounding interest. They further informed me that there was a technical glitch in their system that resulted in them not being able to view or process applications from anyone who submitted one during this time and there is nothing they can do about it. I was not informed of any issue like this when calling on the XXXX   and when I was assured my application would be processed by the XXXX. I find it unacceptable that an error on their end resulted in such a substantial delay in the processing of my application and that I was never informed of this glitch in a timely manner that would allow me to make other payment arrangements.

As a result of this payment plan being delayed I expect I will be charged an extra $ 900- {$1000.00} over the course of my loan.
I Never received the ORIGINAL Toll Bill of {$11.00} since the Address is INCORRECT. My Address is XXXX XXXX XXXX, NY XXXX NOT " XXXX XXXX '' as shown on the Collector 's Bill. The Original Bill never got to me. I should not pay this Debt Collection Bill since I never even received the Regular Bill.
CRA violation no knowledge Name, Address, Telephone and Inquiries that I did not authorized appeared on my Equifax credit report.
Ally Financial is not reporting my account with 100 % payment history to XXXX which is causing my credit score to be lower on that report. Please report account number XXXX to my XXXX report.
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

Transunion : current status is listed as Charged Off as bad debt 1 late payment reported forXX/XX/XXXX XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XX/XX/XXXX & XX/XX/XXXX XXXX : current status is listed as Transferred to another lender 6 late payments reported for May, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
I purchase my house in XXXX XXXX and paid XXXX for my house then. I fell behind and filled bankruptcy in XXXX. Currently I am upside down on my home and Select Portfolio can not explain why I owe over XXXX for my home as of date.. I do understand there was fees but I should not owe more than I purchase the home over 17 years ago. It is like I stop paying on my home for 17 years in order for me to owe more than I purchase the house for in XXXX.
This issue occurred toward the end of my HARP loan process on XXXX XXXX, 2016. I got a call from the loan officer saying the underwriter noticed a lien on my existing mortgage. I had no idea what they were talking about. I was told to contact bank of America for details. I walked into the bank and no one was able to assist me. I came back another day and someone submitted an elevated request on my behalf regarding this mystery lien. A few days later I got a call from a BOA representative and she told me that I need to get a title search done. After I got that done I called back and was re-routed to someone else who stated that the account was from another company that went out of business, the account was closed and BOA bought all the accounts. I was told the previous company was supposed to release the lien but did not do it. I was told that the lien release will be faxed to my underwriter early morning the following week. When the week went by, I called back but was once again re-routed to another person. This went on for weeks at a time. I was given reference numbers each time but these numbers could not be traced back with history of my previous calls. Finally, in XXXX, after being referred several more times I called demanded to speak to a manager and was given the number to a high level manager named XXXX XXXX. He seemed surprised that I was able to get through to speak to him as he stated that calls are usually handled through the call center. I explained that I was promised a lien release but it did not come. XXXX XXXX promised he would get that lien release to me but it would take another 30 days. I got nothing. I tried to call XXXX XXXX again but he would not return my calls. I decided to contact the XXXX. BOA had a representative ( XXXX XXXX ) contact me saying he was working on a resolution. I gave him contact phone numbers of the people who promised to release the lien. He told me it would take 15 days and he would contact me at that time. 15 days later I get a call from XXXX XXXX saying he needed another 15 days. I asked him if he contacted the people that promised me the lien release but he said he wanted to do his own research. At the end of that 15 days I get a letter in the mail from XXXX XXXX that I own BOA {$51000.00}. They never intended to help me but only help themselves. How could no one contact me for all these years ( at least 8 years ) or that this lien was not on my credit report? I need my refinance to be completed. How could BOA lie to me about releasing this lien? Is that the way they do business?
After cancelling our XXXX service I continued to receive bills from the company to which I responded by calling the company numerous times. Each time it seemed like the issue was settled and that I did not owe a balance. I stopped relieving the bills which I took as the issue being settled until I saw the amount in collections. I never received a bill or phone call about this balance. The balance should have never existed as I had cancelled our service with XXXX long before this. Since it was in collections I had gotten it taken off but now it is back on my credit.
Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX, XXXX XXXX and XXXX we on my report. Number one I XXXX XXXX XXXX because I have no XXXX, so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports.
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.