WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute with Transunion disputing XXXX, XXXX, XXXX XXXX and XXXX XXXX and the information came back from Transunion as new information below. I sent a letter to XXXX and they stated that they no longer have the debt and Transunion continues to report that it is being verified. I sent letters asking how was it verified they were unable to provide with information pertaining how it was verified. XXXX does not belong to me but yet and still they continue to report inaccurate information on my credit report.
I got a letter dated XX/XX/XXXX that my house payment went up {$330.00}. I was told this was due to the company paying my taxes which I correct, however, this was an increase for 12 months. this will result in over {$4000.00} which I don't understand why. I have been dealing with this since XX/XX/XXXX doing everything they ask me to do and nothing has been resolved. they have missed applied my payments, paid more taxes and shouldn't have before time, have people come out taking pictures of my house when I am not late on my mortgage. I have a whole pile of paperwork and documentation that I can submit.
Credit Agency : XXXX XXXX Behalf of : XXXX XXXX XXXX The initial delinquency occurred in XX/XX/XXXX however, the credit agency states that the account initially went delinquent in XX/XX/XXXX. They have falsely rolled forward the dates of the delinquency which has the debt appearing newer than it should. I have opened a dispute with the credit agency and have called them directly and they state that the delinquency was accurate but the billing submitted by the original company shows otherwise.
On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XX/XX/XXXX. I have been making payments on time since XXXX. I contacted XX/XX/XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.
On XXXX XXXX, XXXX, we closed our mortgage with XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX personally visited a XXXX XXXX branch in XXXX XXXX, Florida, to make the corresponding mortgage payment. After seeing the bank teller searching and inquiring about our loan, XXXX XXXX was told that we did not have a mortgage account with the bank. After speaking to a bank officer we were given very limited information, simply that our mortgage had been " transferred to another mortgage institution. On or about XXXX XXXX, XXXX, we received a letter stating that the servicing of our mortgage loan had been transferred from XXXX MORTGAGE? 
( we had never done business with XXXX ) to Litton Loan Servicing LP. After, a few months of doing business with Litton, our monthly mortgage payment continued to consistently increase. It became obvious that we were the victims of a predatory mortgage. The victimization done to us by Litton had a very significant impact on our family. This Litton loan mortgage, that we had never signed for nor agreed to was now causing significant adverse impact on our lives. The mortgage was inappropriate for our financial situation and grossly over-priced. Although, we attempted to negotiate with Litton on multiple occasions to develop remedies to the situation, their lack of flexibility and insensitivity to our needs, proved this an impossibility. Litton 's purpose was to foreclose on our property. We were advised by a financial counselor to seek legal assistance concerning our mortgage. My wife and I hired an attorney, in an attempt to negotiate a mortgage agreement with Litton. After approximately two years, of negotiation and paying approximately {$27.00}, XXXX to above referred to attorney, an agreement was not reached. In addition, to being victims of predatory lending practices from XXXX XXXX, and Litton Loan Servicing we were also misrepresented by the law firm hired to negotiate with Litton. It is interesting to note that during the initial closing of our property on XXXX XXXX, XXXX, the final loan amount was {$400.00}, XXXX. Earlier, this year ( XXXX ) we received new loan mortgage documents from a company ; OCWEN, with a total outstanding loan mortgage amount in excess of {$750000.00}. Approximately in XXXX XXXX XXXX suffered a devastating XXXX XXXX. Around the same time XXXX XXXX XXXX, became unemployed. After the devastation caused in both of our personal lives, XXXX, separated and are currently undergoing divorce procedures.
I have filed numerous disputes with Experian credit reporting agency about two items on my report. I have asked for verification of these two debts but I have not received any proof of this debt. I called both agencies that have report these debts and they refuse to provide proof of this debt to me. The fist account is child support XXXX/XXXX/XXXX account # XXXX the address for this account is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX And the second is child support Enforcement account # XXXX The address for this account XXXX  XXXX XXXX, NY XXXX. I have called and written this corporation and I havent received any thing from the verifing that I owe them any money please advice on what to do now!
To whom it may concern, This is in regards to my credit report with XXXX and XXXX they are reporting this account on my credit report from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX partial account # XXXX ... .date open XX/XX/XXXX first reported XX/XX/XXXX. This account was open as fraud I did not authorize this company to open any accounts in my name. I have reached out to the company requesting for proof of my signature and also to provide proof of photo ID. The company has not provide any of this information to me. I also informed the company that I have been a victim of identity theft and to please remove this information off my credit report. I also have reached out to both creditors XXXX and XXXX about this account letting them know that this is a fraud account. Please assist me in this matter with helping me getting this account remove from my credit report thank you ...
XXXX XXXX account number XXXX Date opened is inaccurate : XX/XX/XXXX and also Amount Past Due reflecting {$890.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/XXXX and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.
Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. Navient handles {$300.00} XXXX in private and federal loans for some XXXX XXXX people -- touching about one in four student loan borrowers. Every customer may have been affected by Navient 's misdeeds. Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. Navient mishandled loan payments, buried critical information in fine print and set obstacles for borrowers trying to release co-signers from their loans, among other failings, according to the consumer bureau 's legal filing. I attend XXXX XXXX XXXX, I am overpaying for my student loans and can not afford them. Navient is not willing to work with me and grant me any type of student loan forgiveness or a forbearance. XXXX XXXX inappropriately charged a 5 % late fee when certain borrowers missed a payment. I was not helped nor was I given any repayment options to get a lower payment. Now I am being forced to lose everything just to pay my loans. The reps are so nasty and mean and have no remorse for you or your situation as if it is them paying the loan.
I had a XXXX card through Barclay bank 2 years ago. There was a fraud after the second time of use. I did not use until XXXX or XXXX 2015. Immediately, someone was using the card on XXXX XXXX. I got a phone call and email to remind me that was a possible fraud in XXXX, the amount is about {$110.00} for gasoline and pizza, while I was at home in XXXX. I called to confirm the fraud and asked to cancel the card. However, it was nightmare that the payment due reminder kept sending to me. I called more than 5 times to tell the bank that was fraud and the card was cancelled. It continued to email to me for more than 6 months. I also received tons of magazines but the name was not my name. I am not sure if they are related. 
Now, I received a Letter from XXXX XXXX XXXX XXXX XXXX says that the card debt is {$440.00} and the account is listed as delinquent. Very scary and annoying. Please advise what I have to do. Thanks.
I have tried to contact Capital One on multiple times to remove these derogatory remarks i recently have gone through financial hardship and have been late making a few payments.
Hello, we have big problem again, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given.

We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed and faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. Mr. Cooper keeps prolonging this process. Mr Cooper now are saying that have all documents received for a review but they still have our home under a foreclosure sale and recently they said they put the sale on hold but different representatives keep telling us different information one says ins on hold the other says its still on sale but after reviewing and calling the trustee its still on for sale, seems to me some of the representatives are trying to manipulate and get me false information to think that everything is ok but its not according to the trustee nothing has been stopped or placed on hold.

If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. We sent them all documents and are in review at the moment but why have they not yet removed the foreclosure sale.

Thank you.
I received an amazon.com store card, issued by Synchrony Bank ( XXXX ), that I never asked for. It is intended for use on amazon.com. I can not cancel the account. The bank says it 's fraud - I do n't believe it - why would the card come in the mail to me. It is an unsolicited account and I need to get it cancelled!
On XX/XX/XXXX, I spoke with XXXX at XXXX in regards to an incorrect debt from XXXX XXXX. I explained to her that I went to XXXX and they advised me they have no debt for me from XX/XX/XXXX as she had stated. I asked her to send me a copy of the billing information and she stated they do not have a bill, but they only had the amount and date that was sent over by XXXX. I informed her that I spoke with XXXX several times and received a print out of an account that I had which was closed in XX/XX/XXXX. I asked her again for the copy of the bill and she stated she could not send me one because they do not have one. 

XX/XX/XXXX, I mailed them a certified letter requesting validation of debt. They replied with a letter stating this was a frivolous request. The letter did not come from XXXX but a company called Resurgent. They sent me the exact same debt collection letter XXXX sent me, just on a different letter head. I have disputed this with the credit bureaus as well and they report the debt has been verified, but it had not been verified to me. XXXX could not produce proof of the debt and their representative, XXXX, verbally stated it as well. She would not provide her last name to me or an extension number. She stated I am the only XXXX in this office. 

In addition, in XX/XX/XXXX I lived on property as a site manager. I did not have the need for any of these types of services as they were provided by the company.
I contacted Ditech Financial to set up payments for every 2 weeks so that I could pay my loan off earlier and save come interest. I was told that I could change my loan from a variable rate to 3.5. I then sent in all the information and was told that the title was not in my name. Funny, the tax bills come in my name.
Here 's his email   XXXX   XXXX  , The title company just verified that you are not the owner of this house. The title is in the names of   XXXX   and   XXXX   XXXX  . You can not refinance this property with them on the loan. I can add  XXXX  and  XXXX  do the loan if you like and add your name to the title.
Please let me know how to proceed.   XXXX   XXXX    www.ditech.com/  XXXX   NMLS License #  XXXX  Ditech, a   XXXX    Company Home Loan Specialist Ditech Financial LLC |   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , PA  XXXX  Telephone   XXXX   | Fax  XXXX   XXXX  ditech.com See what our customers say about us : ditech reviews My mortgage is CURRENT.
What 's his scam? They even sent someone out to appraise the house-was that a scam too? Has this harmed my credit or my family in any way?
XX/XX/2018 XXXX XXXX from XXXX XXXX XXXX XXXX called my work and left a message about debt on my office phone. I work for a county government agency and the phone line called on is county government property not for personal use. 
The collector got through to my private work extension so I would think they misled the operator as to the nature of the call. 
I share an office and the nature of the call/message was likely audible to others. 
As the number is a county government line not personal I may be reprimanded. 
The number is for a county government XXXX XXXX XXXX XXXX. Common sense and etiquette should prevail.
I settled a debt with BARCLAYS CREDIT CARD thru their XXXX XXXX XXXX XXXX XXXX XXXX. My original debt was around {$1800.00} and we agreed to settle for the amount of {$900.00} four monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XXXX 2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. I had my Credit report pulled by XXXX on XXXX/XXXX/2016 and this is the information that still shows on the account attached to this particular account : " ACCT SUBMITTED TO COLLECTION ; DISPUTE RESOLVED - CONSUMER DISAGREES ; CLOSED BY CREDITOR ; PAID ; CUSTOMER UNABLE TO LOCATE SUBJECT ''
Ditech took down access to statements and online account access for 10 days. This is impacting my ability to refinance as I can not get my statements. I agreed to go paperless. What they did not disclose was a way to get access to my statements during the upgrade - I called and they could n't even fax them to me. If companies are to provide online statements they should keep them accessible online and not inaccessible for more than 48 hours. I want to know what the law is and am certain Ditech is not within the law. This disclosure I attached and they posted does n't tell you that consumers ca n't access copies of their mortgage statements for over 10 days.
just got off the phone with a representative named, XXXX. I explained that I received a fee and that it was unfair that I got such fee having requested for overdraft protection and that since my account was new if she would be willing to check into it and possibly refund me over the phone without having inconvenience to go in the branch. I ca n't just take off from work when I please for personal business. Nonetheless, she said that she would try and link the account but, turns out she could not since the account was so new. This is really a shock to me and I do not have money to give away. The money was there and I do not have a debit card yet, as it was promised 3-5 business days. I have never experienced such poor customer service for a mistake that was clearly not mine. I am sure policy does not require such treatment be this was as well. EFT was only used because I did not have a temporary card of some sort to use to have come out right away. Lastly the check was written in hopes of overdraft taking affect and now they want to keep my money, where there was no intentional wrong doing on my behalf.
Speedy Cash online payday loan. They misrepresented loan interest. I couldnt understand the terms.
The merchant put a {$50.00} hold on my card, as a deposit at a hotel. The card company made a mistake and held {$350.00}. The merchant and myself both told AmEx that this was a mistake but Amex isnt listening. Now my account is {$250.00} negative, despite that the hotel " forced the transaction '' and made it a charge of {$53.00}. Amex still isnt acknowledging the mistake or willing to fix it. The merchant even told them it was a mistake and tried to do everything they could to correct it but Amex refuses to make any corrections.
I made my regular payment on XX/XX/XXXX ( the normal due date ) On XX/XX/XXXX I received a call by Midwest loan services hat said my payment had not been received. I informed the customer service rep, that I had paid via internet banking through my credit union and payment was sent ACH on XX/XX/XXXX and the funds were taken from my account. After a brief place on hold, I was told " sorry, you payment was n't late, we returned it due to our partial payment policy ''. But I did n't make a partial payment, I paid the same amount I do every month. This is when I found out there was a PMI miscalculation and I had and " escrow '' shortage of {$5.00}. 

They claim they sent a letter which I never received, it certainly was n't sent certified. So since they returned my payment, they now wanted me to pay it again with the {$5.00} added. Well I ca n't pay them, until I get the money back ( that they had ). At this point we started discussing a late fee and how I could be reported to the credit bureaus if I did n't pay it. This is when I started losing my temper. How can they do this? They had my money? After some negotiation, I was told they would waive the fee this one time and would not report me. But how many customers have they done this to?

The status as of right now ( XX/XX/XXXX )? The rejected payment was sent to a third party internet banking partner of my credit union ( that is also their policy ). It will be 10-15 business days before it will be deposited back into my account ... at which time I can pay Midwest Loan Services AGAIN. It  's my opinion that they are in violation of the Truth in Lending Regulation as I have not been credited " promptly '' as the Reg states. I have spend at least 16 hours trying to track down my money. None of this was my fault and I 'm paying the price. Something needs to be done about this company.
I have a Citibank Credit card that offers a price rewind guarantee in which if you purchase a product with the credit card and register it on their website it will track the product to see if there is a lower price. A lower price was found on XXXX of my items and I received a notification email to click this link to request the refund, however when you click on the link there is nowhere to request the refund. I have called multiple times and both times the citibank call agent said they would email me the form to fill out to complete the request within XXXX hours and i still have not received the notification. 

There are XXXX items, XXXX is a TV I purchased and was notified of a {$150.00} refund available and next was a gaming console in which i was notified of a {$49.00} refund available. This price rewind service appears to be a fraud as there is no way to collect the stated refund on the purchase price.
I called them and told them I have XXXX and give me till XX/XX/2019 to pay the rest they called me an XXXX and told me I'm gon na lose my house and hang up on me the rest been trying to take my house from day one
I made   a deposit with Citi bank to open an account. I called the company to initiate the deposit by phone. The CSR took the routing number and account information for the bank deposit.
Later I was informed that the payment was rejected because the account number had been keyed incorrectly. I subsequently resubmitted the information to Citi and they processed the transfer. Shortly there after I was assessed a fee for the initial deposit that did n't go thru due to their error. When I called a CSR they told me it would be removed but have since not been reimbursed.
I am waiting for delinquent payments to drop off credit reports. From information provided on my credit report which I downloaded XX/XX/XXXX, it was indicated on Transunion that delinquent payments would be removed XX/XX/XXXX. I had a short sale and account was deemed delinquent XX/XX/XXXX. I called to speak with Transunion representative who told me it would not be removed until XX/XX/XXXX. He could not tell me why there was a discrepancy and indicated what I had provided to me was inaccurate. I called XXXX with the same question and they agreed it should be removed in XX/XX/XXXX. I would like the problem with Transunion rectified.