WillisBack/dataset-financial-user-claim huggingface dataset:
Account # XXXX XXXX XXXX Care Credit Synchrony Bank GE I entered into a debt management plan with XXXX XXXX XXXX XXXX XXXX XXXX which set up a program with Care Credit GE Synchrony Bank on my behalf. Prior to setting up the XXXX plan I cancelled a plan with another firm called XXXX ( due to service and fees ). Care Credit cancelled my XXXX account in error. I have made over 15 calls to Care Credit to speak with Care Credit XXXX with no access to their department and thus no response. No one at Care Credit would help addressing this mistake. XXXX has made XXXX calls on my behalf. Recently XXXX and myself tried to set up a XXXX conference call which placed us only in an automated message. I want to speak with Care Credit to address this mistake. My account has been negatively affected due to this misunderstanding
Experian allowed XXXX to report a debt on my credit report that has already been paid and removed three times. This is the third time experian has reinserted previously deleted account. Please permanetly remove account with action professionals XXXX.
National Credit Systems reports on my credit report that I owe a balance of {$4100.00}. This was a debt that they took over in XXXX from an apartment complex named XXXX XXXX. National Credit Systems and XXXX XXXX placed a judgement against me for the amount of {$1600.00} in the XXXX of Arizona. This judgement was satisfied through wage garnishment in XXXX. National credit systems refuses to file a satisfaction of judgement or to reflect the collections account as paid, because they believe they are entitled to more money than the judgement was granted for. In communications with them they acknowledge the judgement has been paid but that they want the remaining balance on the collection account paid before they will take any action. This is not right. They already took their case to a judge and received an amount that the judge authorized them to collect. They have collected that amount and are not entitled to anymore.
After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over XXXX year and XXXX months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.
Equifax is reporting several collection against my social security number I requested full debt validation three times and Equifax have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Account XXXX with no name listed on my credit report for amount of XXXX 4. XXXX charge off account
American Express has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I received a call and voice mail on XXXX18 at XXXX XXXX  pts from a women who told me she had my file and I needed to respond before her law firm filed a lawsuit against me and garnish my wages. Her name was XXXX phone number XXXX. I called and she told me over the phone that she is a law firm that was collecting a debt from XXXX XXXX XXXX for {$130.00}. And if I didnt make payments to pay her law firm would file to garnish my wages in XXXX XXXX court. Then stated I would have to pay {$900.00} for attorney fees. That I defrauded XXXX XXXX XXXX. 
I stated this is a debt collector she is not a law firm and is violating the fair debt collection act by pretending to be a law firm. I asked for her business information she hung up and her and a male coworker proceeded to play on the phone telling me Im stupid and Im bored.
I filed bankruptcy XX/XX/XXXX. On XX/XX/XXXX I signed a reaffirmation agreement with US Bank for my mortgage loan. On XX/XX/XXXX US Bank Representative XXXX XXXX signed this reaffirmation agreement for my mortgage loan. On XX/XX/XXXX my bankruptcy was discharged. Around XX/XX/XXXX I checked my credit report from all three bureaus. I noticed that my mortgage loan from US Bank was not being reported to the credit bureaus. 

Since I got this mortgage loan in XX/XX/XXXX I have never missed a payment before, during or after my bankruptcy. I feel this would have a positive effect on my credit report as I'm trying to improve it after being discharged from my bankruptcy. I talked with my attorney and they sent the signed reaffirmation agreement to US Bank. I received a letter from US Bank a few days after they wrote the letter on XX/XX/XXXX. The US Bank letter stated that all I needed to do was send a letter or email to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate the reporting of my mortgage loan. 

I sent an email to US Banks Mortgage Servicing Credit Reporting Department on XX/XX/XXXX asking them to reinstate my credit reporting for my mortgage loan. I never received a response to the email so I wrote a letter on XX/XX/XXXX to US Banks Mortgage Servicing Credit Reporting Department asking them to reinstate credit reporting for my mortgage loan. I received a letter on XX/XX/XXXX, stating that US Bank would not reinstate credit reporting for my mortgage loan as it was included in my bankruptcy. On XX/XX/XXXX I called US Bank customer service asking why US Bank denied my request even though I have a signed reaffirmation agreement for my mortgage loan. The US Bank customer service representative stated that they could not reinstate credit reporting for my mortgage loan and I would need to write a dispute to all three Credit Bureaus. 

On XX/XX/XXXX I sent dispute letters with documentation to all three credit bureaus asking them to have US Bank report my mortgage loan information. I received a letter from XXXX   on XX/XX/XXXX saying they corrected my information. XXXX did not correct what I disputed. XXXX put a reaffirmation remark on my US Bank credit card and did not do anything relating to my dispute for my US Bank mortgage loan. I filed another dispute, online, with all documentation to XXXX on XX/XX/XXXX. I am awaiting a response to that. 

XX/XX/XXXX I received a letter from XXXX and XXXX stating that they can not make any changes because US Bank is not reporting my loan information to them. I am now writing a complaint with the CFPB as I could not resolve this issue with US Bank or any of the three credit bureaus and I would like to have my mortgage loan reported to the credit bureaus so I can continue to improve my credit report/credit score.
I was attempting to purchase a new vehicle and was denied due to CapitalOne Auto reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.
All of the hard credit checks we 're not mine it was all fraudulent identity theft I never applied for any of those loans or cell phone accounts or any of the hard checks we 're not mine I contacted some companies and they said it would automatically come off my credit report and it has never been taken off
I received a call from a rep of this company on XX/XX/XXXX @ XXXX XXXX # XXXX - by the name of XXXX XXXX. Within the first 50 seconds of the call I informed him that I was at work, and could not talk about the matter at this time. Over the last two weeks, I received calls from two other  representatives informing of the same ( XX/XX/XXXX @ XXXX XXXX # XXXX ) ( XX/XX/XXXX @  XXXX XXXX # XXXX ), that I was only able to speak to someone after business hours - and for me that ends at XXXX XXXX  EST. After informing XXXX XXXX that I was unable to speak about the matter he went on to badger me, insult me, and tell me to be honest, also telling me I have had plenty of time to take care of this matter since the date of service is from XX/XX/XXXX. However, they only have sent two statements ( which I have not yet received ), and called 3x ( since XX/XX/XXXX) - I am sure that they have just recently bought the account/debt from the original creditor. When I asked him for his managers name/number, he was not willing to give that information immediately, he instead told me to just take care of my bill. He was unprofessional, rude, condescending, and insulted me on numerous occasions, all the while, breaking the law, by continuing on with me when I told him from the beginning I was at work, and could not talk - even going on to say " This is a cell phone right, well how do we know where you are. '' Within the first 50 seconds - he was told on a " recorded '' line that I was at work, and could not speak about the matter. Therefore, violating 15 USC 1692c section 805 ( 3 ).
Wells Fargo is refusing to use existing info sent them in connection with the Estate of my Aunt, XXXX and her Stock Account # XXXX. On XX/XX/2017 I sat with W.F. representative XXXX, at XXXX, DE Office, who helped me fill paperwork for Stock ( XXXX. ) sale ( XXXX ), valued at about $ XXXX.Included were Letter of Administration proving Estate establishment, an IRS Employee #, proof of existing Stock Certificate issued by her employee, XXXX , XXXX Medallion Stamps from my bank WSFS, and proper/necessary W.F. Forms. They all were mailed, by courier, that day to W.F. Shareowner Services. On XX/XX/2017 I e-mailed W.F.S.S. and was subsequently told by their XXXX that material was incomplete and an entire new package must be resubmitted and further, nothing he had in hand could be reused. Also, he refused to let me speak with Dept head, XXXX. I wish for W.F.S.S. to allow me to complete their Forms, but use all other existing paperwork to complete transaction. My information is XXXX, XXXX XXXX., XXXX, DE XXXX, XXXX, XXXX. Product information is provided above, but I might add our relationship with W.F. extended over 25 years and at end was awful. Not only were we overcharged interest, which they had to refund, overcharged fees which they never refunded, but worst of all they refused to discuss, ( including today ) my wife 's, ( XXXX ) earned retirement fund for years of employment. W.F. refuses to make any long-term or lump-sum offer or any basis of calculation. This amounts to thousands of dollars they owe her.
Creditor is reporting accounts that are invalid and unverified. Experian and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
I had signed up for citi gold checking account promotion in XX/XX/XXXX and fulfilled all the promotion terms to qualify for XXXX american airlines points to be awarded within 90 days of fulfilling those terms. The last transaction to fulfill those terms was completed XX/XX/XXXX and had been informed thus the points should be awarded into my XXXX XXXX AAdvantage account by XX/XX/XXXX. That did not happen and I have ever since opened numerous investigations and escalations with the Citi customer service and requested it be reviewed by the executive response team to no avail. There are numerous reports of other customers having the same problem as I have which indicates this is malicious intent to bait and switch the consumer. I 'd like a resolution this immediately by Citi fulfilling their end of the terms and deposit the XXXX american airlines points to my account immediately.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX, XXXX # : XXXX. Please remove all non-account holding inquires, all addresses except my current address of XXXX XXXX XXXX XXXX, IL XXXX. These aliases reported are not my names and need to be removed : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX
The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX Equifax score as of XX/XX/XXXX is : XXXX XXXX   score as of XX/XX/2018 is : XXXX I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good credit.
Contacted XXXX about an account listed as a collection in my credit file for XXXX XXXX. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.
I was charged incorrect points at my real estate closing by Recovco Mortgage Management Company, they were different than what had been disclosed to me. I was supposed to have been assessed 1.75 % of the loan amount but was instead assessed 2.0 %. The over-charge totals {$870.00}. 

A Recovco representative communicated to me through my mortgage broker that the points would be 1.75 %, and that is the rate that was shown on the first Loan Estimate document provided to me on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ) and then again on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ). The documents were provided to me through Recovco 's on-line XXXX XXXX XXXX XXXX. 

Then I received a 3rd version of the Loan Estimate document on XX/XX/18 ( attached, 'Loan Estimate XXXX 2.0 % .pdf ' ) ) and the points had changed to 2.0 % without any explanation. I immediately communicated the issue to my mortgage broker, telling her the points were different than I had originally been quoted. She set out to resolve the issue with Recovco, though had difficulty in contacting them and I was still awaiting resolution as we neared the closing date.

Finally, without any additional communication from Recovco on the matter, I received a Mortgage Broker Fee Disclosure from them that I was asked to sign that disclosed, among other items, a loan origination fee now set back to the original 1.75 %. So, at that point, I reasonably believed the issue had been resolved. 

When I arrived at the closing on XX/XX/2018 I was surprised to find that the points I had just signed off on on the Mortgage Broker Fee Disclosure ( it is attached as part of the file called 'Letter # 1 7.23.18.pdf ' ) had now reverted to the 2.0 %. Not wanting to delay the closing I went ahead and paid the difference intending to follow up with Recovco afterwards, which I did communicate to the mortgage broker and the closing attorney. 

On XX/XX/2018 I wrote a letter ( attached, 'Letter # 1 7.23.18.pdf ' ) to XXXX XXXX, President Recovco Mortgage Management ( there were no other contacts for customer service issues provided on their website ) explaining the situation and asking that the difference of {$870.00} be refunded to me. I did not receive a response to that letter, so on XX/XX/2018 I sent a 2nd letter ( attached, 'Letter # 2 8.6.18.pdf ' ) requesting a response and indicating that I  would file a complaint with the CFPB if I did not hear back from him by XX/XX/2018. I did not get a response to my 2nd letter either, so am now submitting this complaint.
I paid this account off twice payments are getting reversed to the account but the money is not returned to my bank account!
XXXX refused to cancel my service after I spoke with them back around XX/XX/2016 when my bill increased without being notified. I paid XXXX additional months at the increased billing then I stopped my credit card auto pay. My email requests to XXXX to cancel my service were never replied back. XX/XX/2016 I received early Termination and XXXX Non-return fee, rather this is more of an extortion payment demand {$140.00}. XX/XX/2016 I received a demand payment from 'Credence XXXX XXXX XXXX XXXX demanding {$150.00} for XXXX XXXX
I submitted a complete modification packet to Seterus Mortgage in XXXX XXXX ; along with document regarding insurance claim regarding damage to the my home after hurricane XXXX. I told that Seterus could get those documents and I was given a wrong number by them to contact but I found the documents and submitted those at the first of the year. I was told that the documents would be reviewed and I would have a decision within 45 days. I called to get the status of the modification the first part of XXXX and was informed that no one had reviewed the documents and I would have to re submit the documents. Now I am being faced with a foreclosure date of XXXX XXXX, XXXX. I resubmitted the documents and am being told different things by different service representative. For example I did not have copies of stubs because my payroll is direct deposited ; I was told to mark on my bank statements all payroll deposits which I did. The next rep advise to to a letter stating that my payroll is direct deposited. I submitted income statements and that was rejected asking to explain real estate expenditures with specifically stating what exactly what they wanted : I had XXXX, XXXX and XXXX in expenses : I sending back exactly hoping that is what they are looking for ; but time is of the essence. My copy will be sending me the copies had I know the bank statements were not sufficient I would have worked on that. I was leaving out of town for job training and was away from documents. I was sent a letter dated XXXX/XXXX/XXXX requesting that I send in another packet and it had to received by XXXX/XXXX/XXXX and I received it XXXX/XXXX/XXXX after work! I am gainfully employed and would like to remain in my home ; I had hope to have this resolved by the first of the year. I feel as if I being told things that are erroneous ; and as stated earlier ; time is of the essence. It is my desire to work with Seterus but I would like a person assigned to work with me to assure that this time my documents are not neglected and expeidited since they admit that I should have been contacted regarding my original modification submission. I faxed XXXX pages and I have a confirm receipt that the documents were received. Additionally, I would like the foreclosure date set back to sanely accomplish getting them the documents requested ; I have to take off work every time at the last minute to accommodate them. I am working XXXX jobs to get my finances back in order ; in what has been a rough and rocky road ; that began with XXXX guys in a stolen car ; totalling my parked car. I had only dropped the full coverage 6 months earlier because it was paid for. I would appreciate help in resolving this matter.
Debt Recovery Solutions ; original creditor name XXXX   balance owed {$290.00} XX/XX/2017 when it was opened. 
I even had email sent to me threatening theft by which I did not do and have never opened an account or used this company before. Someone had hacked into my bank and email information presumably it was my ex husband and his girlfriend and open up fictitious accounts under my name ruining my credit.
1st XXXX loss my hardship paperwork packet to have a forbearance of student loans, no one took ownership for it instead place my account with TN Dept of Ed for bad standing of my loans, which then landed my account with a 3rd party collection company which then sold my accont to another 3rd party collection company all this without one contact to me to let me know that I was ever in a bad standing with anyone. After I found out years later ( from missing money on my tax return and credit report pulled to see a Fed loan on it in bad standing w/ negitive marks/ points ) my loans was NEVER places in forbearance status.as I was told it would be ( only one of two options they ever gave me for my loan ). I called XXXX, TN Dept of Ed to find out what in the world was going on, after my repeated calls to XXXX, TN Dept of Ed for months NO one was welling to help me out or take ownership in their errors instead placed all blame on myself for everything that's happed and said I don't have a right to dispute the matter cause I signed that away when I signed for the loans to go to school and they have ever right to do everything that has happened to me thus far and will take my wages by garnishment. No one never once tried to fix their errors, recall my account from collections, or take ownership for the lost of my hardship paperwork they required for my forebearance instead advised me it was my fault I am now with their 3rd party collection company and they can not talk to me. My credit is effected poorly now, money took from my household ( a single mother of XXXX children ) that was over $ XXXX tax return from 2017 and the loans are still high due to the interest never stopped from day one til now ( when my account I was told was in forbearance years ago ) but never placed in that status with XXXX. 
XXXX side note a rep with XXXX even verified that I qualified for hardship in our call when I asked for another forbearance on my loan ( only two options i was ever given for help on my loan ) My account is still in collections and have stress for I don't know what next these people is going to do to me negatively to effect my household. I would have never tried to go to college if I knew i would be done like this and treated so poorly. Is this what the " American Dream '' is all about?! More like the " American Nightmare "
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Loan # XXXX Lakeview Loan Servicing XX/XX/XXXX I submitted a request to have my Escrow property tax payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. The adjustment would affect my property taxes by approximately $ 400- {$500.00} per year. If the servicer has a concern about the documents I presented, they can check the Property Appraiser 's Website. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I would also like to know if I can receive interest on my money that is being held in their escrow accounts. I do not wish to speculate but this might be the reason why they are trying to force me to put more money into my escrow account than is necessary.
I was rewarding my money in 2010 for student debt. I was mislead on the financial amount and the repayment was misleading and confusing. I attended the XXXX as well as the XXXX campus.