WillisBack/dataset-financial-user-claim huggingface dataset:
I was negotiating a settlement with Pressler & Pressler regarding a XXXX XXXX account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX XXXX who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called Pressler regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.
This company has reported the same medical collection against me 8 times!!! I have written and requested that this information be removed from all credit reports because it is incorrect, and also asking for proof if they believe that they are correct. I still have had no results, and need those accounts removed from all reports permanently.
Basically They sued me over 11 years ago and still trying to collect im  XXXX  and have nothing ... I thought the statue was 10 years?
Back in XX/XX/2017 I placed an order at XXXX XXXX online for my daughters clothes. I never received the package and XXXX XXXX was supposed to credit my account ; since I never received or signed for the items I had to repurchase them. 

I have never been credited and they are expecting me to pay for items that I NEVER received. 
They call my phone at least 10 times a day from restricted numbers threatening me that they are taking further action and now they are calling my parents and my aunts and uncles home phones.

This is HARRASSMENT and I want it to stop!!!!!!!!!!!!!
Since DLC did not respond to my complaint instead they just responded to what they wanted to say and not address any of the issues. I have attached what would be considered a payment every 30 day and for past weeks have tried to pay online but it will not accept payment now unless it is XXXX 1st if they are saying make a payment every 30 days and XXXX XXXX was last payment and I have been trying to pay online since they have never sent me a statement so I could mail in a payment if there online was not going to work. 2nd. XXXX XXXX then would be 30 day due and you can not report over 30days late until 30 days after XXXX XXXX which would XXXX/XXXX/XXXX and that is the law. Since trying to pay on line for 2 weeks now account would only be 14-16 days and you can not report 30 days late so that is in itself not following the law and I will be sending your statement on that to XXXX as well as proof. 3rd I will make a payment every 30days no problem but if you do not allow me to pay online and I never receive a bill or statement to make a payment by mail then what do you expect I have also attached the 2 screen shots I took yesterday again trying to pay online which you ignore.
I had taken out a title loan in Ohio against my XXXX XXXX XXXX  with the intent to use it travel back to XXXX XXXX  XXXX regarding my reestablishing my residency for the XXXX XXXX area. I had payment 's to make by XX/XX/XXXX paid that and XX/XX/XXXX a few days later on each because of my pay date but they were find with that. I lost my employment temporarily in early XX/XX/XXXX then finally in late XX/XX/XXXX/ early XX/XX/XXXX making payment. On XX/XX/XXXX I made a payment of XXXX which I was told by XXXX that was ok by that following Thursday I would have to pay XXXX. I called to pay XXXX. my payment was refused and I was told be XXXX that I had to pay XXXX my loan was for XXXX with a pay back set at XXXX I have paid off XXXX so far. This would leave XXXX they told me I need to come in person to refinance the loan and or pay off the loan ( two different things ) I was confused. I was to pay this last payment of XXXX on XX/XX/XXXX getting paid weekly for now would help me pay off the loan while I could they are refusing to take my money so I get my car taken. I live out of my car while I stay temporarily with a friend and wait for housing. That would have brought it down to XXXX. Then paying another XXXX this week would bring it to XXXX only because my pay is less I missed a day due to housing appt. I was late yes but I was on Now I am another week behind. but if I have so far paid on this loan XXXX I should not have to pay an additional XXXX if what is left is XXXX. I am being scammed and I was told I will loose my title after this Thursday XX/XX/XXXX if I don't pay the XXXX then come back to XXXX to refinance. Even if I owe now for the remaining balance they are trying to get beyond the loan.
XXXX agreed to remove their account from my Credit Bureau reports. I discuss my account with XXXX several times in XXXX XXXXXXXX because of major discrepancies with my account.
Fidelity Information corp    XXXX   XXXX    XXXX   XXXX  CA,  XXXX  Has reported a debt on my credit among the  XXXX  credit bureaus. This debt was for a corporation not in my personal name. I never signed or ordered work from  XXXX   XXXX . I tried to contact them by phone and was hung up on in   XXXX   XXXX     I then sent letters denying the debt. They were returned so I looked up other known addresses and those disputes were returned by mail as well.     I informed the credit bureaus and they verified it with the company and continue to list on my credit. This company is not letting me personally dispute the debt with them but verifying with the bureaus. I looked up their reputation and this seems to be a common way of doing business.     My rights have been violated it is effecting my ability to buy a home and I want them to resolve this invalid debt with the  XXXX .     Thanks,  XXXX   XXXX
I have given the authority make these inquiries Please have them delete these from my Experian credit report Thank you very much Alert Type New Inquiry Processed Date XXXX/XXXX/2015 Creditor Type Complete Department Stores Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX
I bought a house in XXXX XXXX, 2014. We extensively remodeled it and now are trying to refinance to repay the original lender, as I indicated to him I would repay the loan after we were done. 
I recently discovered, that there was an additional mortgage on the house, filed at the courthouse on XXXX XXXX, 2014, just a couple of workdays before the closing, by KeyBank of XXXX. NOTE THE PRIOR OWNERS RECEIVED THAT {$50000.00} lLOAN PROCEEDS PLUS OUR FULL PRICE WE PAID FOR THE HOUSE. 
I do not understand how KeyBank could have got their loan through underwriting without noting the home was for sale. It was listed in the XXXX for sale ( pending ) when the mortgage was dated ( XXXX XXXX, 2014 ). KeyBank will not talk to me about any of this due to " privacy concerns '' even though this is stopping my ability to finance the house. 
How is this possible? You list your house for sale, the bank knows it or should know it, they loan {$50000.00} against it, put a mortgage on it, and wo n't work with the new property owners to work through it? 
Why is everybody at KeyBank so concerned about their customers privacy but unwilling to discuss the lien on my house that should be removed? 
Today, they even refused to give me the contact information for their mortgage or title departments so I could just give that info to my new mortgagor. ( which I am afraid they are going to deny the loan because the processor told me " it sounds shady ''. ) I am wondering what Key Bank may have done wrong that they might not want to admit to me becasue it is causing me to lose money and sleep. 
Did they violate their own underwriting requirements? 
Did they cross any other lines they should not have? 
Should they have acted more quickly when they became aware of the situation? 
And finally, why no obligation to me?
Reference CFPB Case XXXX Hi team, I appreciate the support here. However, CapitalOne did not resolve this issue, and the answer has incorrect information about what happened. To clarify it : First, the answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, 2017, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, 2017 ''. That is NOT CORRECT! They never sent it to my current address. NEVER! Secondly, the total amount stated in their formal answer is not the CORRECT amount. The correct number is a total of {$2300.00} Details Checking - {$110.00} Savings - {$2200.00} I did call them and they confirmed by their support, they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " Security Number '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I have bills to pay, and I 'm not PAYING it because this mess caused by them. When I requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet. Thank you very much. XXXX XXXX
My child support was issued on XX/XX/2018. I still have not received my direct deposit. I have called netspend ( XXXX ) and they state theres no issue then change their story to read what sounded like a pre written script saying they are having issues and theres no resolution time. I have XXXX funds. this caused me to bounce a check and theres no time frame when I'll get my child support not to mention my paycheck I'm supposed to get tomorrow.
my issue is with Equifax credit reporting agency, they have items on my report that should be deleted. I have had this issue repeatedly with them, there was an item that was on my report fro the company XXXX in which they wanted me to pay them XXXX, which I knew was incorrect and I submitted a court document showing I owed much less and they somehow lost it three times and received on the fourth try. upon reviewing it and plus I gave them thirty days they told me on the phone because the company has my social security number that superseded the court order and the amount was correct. needless to say this item just finally came off my report. I talked to them recently about a XXXX XXXX item on my report that has been on my report for 11 years and that have been removed in 2012, I even called XXXX XXXX and they looked at it and evened agreed with me saying it should have been removed plus the account is closed. Equifax stated which have recorded that they charted on it and it will stay for 7 more years, which I know it is not correct. another issue that bothers me is that negative items are disappearing and my credit score is decreasing, which to me is making no sense. I have not had any new negative items added either.
I was not made aware of the fact I 'd need to reapply for the IBR plan and have therefore paid over {$400.00} more each month than I was last year. I 've begun the process of reapplying but I am unable to upload any information electronically because of Navient 's inability to process tax information and therefore can expect a minimum of another 2 months before my application is accepted. By the time all is said and done, I will have paid over {$2000.00} as a result of lack of communication, maliciousness, and/or incompetence on the part of Navient. This is ridiculous.
My XXXX credit report shows an unauthorized credit inquiry from PNC Bank on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.
Transunion removed the inquires due to a glitch in their system and then reinserted the information. 

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Please reference consumerfinance.gov Case number : XXXX - I have not heard back about this case and Trans National Credit Corp. has not provided me with any proof that this debt is mine. They refuse to provide evidence and it seems that they can not even be vetted by Consumer Financial Protection Bureau. The 30 days have long gone as this dispute was submitted on XXXX/XXXX/2016. When is this going to be removed from my credit??? They refuse to provide the emails they say contain information that the debt is mine. PLEASE HELP!!!
On XX/XX/18 I discovered that all three credit bureaus, XXXX , XXXX   and Transunion are continuously reporting a " revolving '' credit card from   XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from my credit report.
in XXXX i got a XXXX XXXX XXXX finance through credit acceptance loan was for {$12000.00} payment was {$410.00}. 
Well i paid every payment until XX/XX/XXXX made my last payment thinking great finally paid of. my car had a gps recovery chip in case i didnt make my payments so they could shut the car off well the next month around the time my payment would be due i got in my car tried to start it and it wouldnt start thought hmm my batteries dead thats weird so i tried to get a jump still didnt do anything got a packet in the mail stating i still owed XXXX from late payments but every time anyone of my payments was late i got charged a {$50.00} late fee and for that amount of money to be accumilated from 6 late payments i wasnt gon na pay it because i dont see how i can how that much money for 6 late payments i told them to pick up the car im not gon na spend another year of payments on a car thats not even worth 21000 on my credit report it states my finance amount was XXXX an i owe XXXX but that really isnt the case because i paid XXXX XXXX $ for every late fee i had
I leased my car about three years ago ; the payment has always been automatically withdrawn from my bank account and routed to the finance company through XXXX XXXX. XX/XX/XXXX, the finance company began making harassing calls to me stating that the payments were not being received anymore. I have been in contact with my bank who has also contacted the finance company and the bank and I agree that the payment has been paid/routed the same way so we did n't understand why the finance company was no longer receiving payment being that it had been paid the same way over about three years. The bank re-confirmed the account and routing number with the finance company where the payment should and has been going to. The finance company continued to harass and threaten me, that they we 're going to repossess my car. I would tell them that my payments have been routed the same way and I knew and have documentary proof that I have never missed a payment. On XXXX XXXX, XXXX, the finance company illegally repossessed my car without my consent ; which was a day after I gave the payment for XX/XX/XXXX. I have documentation that proves I have never missed a payment.
XX/XX/2018 i sent {$240.00} to a person using XXXX. They never sent me the tickets. I called my bank and they said they couldnt do anything about it. XXXX has to be held to higher standards if they are going to be involved in people 's money. Her email address is XXXX XXXX
I have tried to send a response to Chases resolution for two weeks and your server will not accept the message. When I push send the circle goes around for 10 minutes saying sending and then quits and says to long, log outChase did not refund the {$3500.00} I paid with a check from my XXXX account that I found a record of. 
This is what they called RELIEF Transferred payment to Checking Account $ XXXXYes that was correct however in the fine print they charged a debit to my Chase Freedom Account for that same {$3500.00} +said I would owe them interest from XXXX XXXX when I made the payment on my freedom acct. 
1. XXXX XXXX, 2015 I wrote a balance transfer check to my Chase Freedom Account. I went to XXXX different branches of Chase and asked them to send me a check or put the money in my checking account because I meant to pay off my XXXX XXXX XXXX which I was cancelling. I had just heard that my best friend of over 30 years has XXXX which put me under duress. 
2. Both bank officers went through my checking account and said no checks had been written for {$3500.00} so I could n't have paid that amount on my Freedom Card by accident. 
They said it must have been a bank error and so they did a XXXXreversal and took my {$3500.00} XXXXout of my Chase Freedom and kept it. 

3. I have my statement from XXXX that on XX/XX/XXXX bal xfr Chase Mastercard/Visa {$3500.00} with a bal transfer fee of {$100.00}. 
XX/XX/2015 BAL XFR. CHASE XXXX & XXXX $ XXXXAccount DetailsCiti Simplicity ( R ) Card-XXXX Current Balance : $ XXXXCurrent Balance : $ XXXXTotal Credit Limit : $ XXXXAs Of XX/XX/2015 : $ XXXXMinimum Payment Due
Lender : XXXX XXXX XXXX, XXXX. 
Loan Type : Single family housing loan Loan Acknowledgement date : XX/XX/XXXX Loan ID # XXXX Amount : {$580000.00} Credit Rating Agencies : XXXX, XXXX  Ratings posted by Agencies : All above 800 Result : Disapproved Reasons for Disapproval : a ) current credit situation unsatisfactory and b ) unable to verify ownership or occupancy. 
Ownership to Property : XX/XX/XXXX through to date
his is my 3rd attempt to get the following inquiries removed. As they were NOT a FIRM OFFER OF CREDIT, EMPLOYMENT, FOR INSURANCE OR A COURT ORDER. THEREFORE UNDER THE LAW, these inquiries NEED to be deleted : XXXX  XX/XX/2019, XXXX  XX/XX/2019, XXXX  XX/XX/2019 AND XXXX  XX/XX/2019 AGAIN, the above inquiries NEED TO BE DELETED because they are NOT A FIRM OFFER OF CREDIT, COURT ORDER, INSURANCE OR FOR EMPLOYMENT
Ditech took on our mortgage from another company a little more than a year ago. We are never late on payments for any bills and have had an account in good standing since this mortgage 's inception XX/XX/2014. In the last several months, Ditech has halted my ability to make automatic payments or online payments and charge fees for all other payment types ; deducted mortgage payments twice from my account ( taken out double what is due ) in two different months ; received authorization to collect payment over the phone and fail to take the payment ; reported to the credit reporting agencies that we were late on payments ( we were not ) so that I had to report them to the credit agencies ; sent collections people to our house in error multiple times ; refused to give us a record of our calls or proof that we are an account in good standing ; lost track of how much we have ( and should have ) in escrow ; and increased our monthly payment from about {$1000.00} per month to about $ 2400 monthly stating that they incorrectly accounted for property taxes. We have been diligent in following up with them monthly and this nearly five month saga is still ongoing.
My initial loan in XX/XX/XXXX was with XXXX, then XXXX XXXX XXXX now Seterus. XXXX put me into a XXXX loan with escalating payment resulting in a refinancing after less than 6months in XX/XX/XXXX. This cost me additional closing cost immediately deminishing all equity in the home. As an equity loan was taken to pay the additional closing cost. This began the spiraling downhill financial strain I now face today. At the time of the initial mortgage, I could sustained the additional cost at that time as I was employed full time. InXX/XX/XXXX I lost my full time employment and eventually was unable to keep up with the mortgage. I reached out to XXXX XXXX XXXX, the initial modification and it was granted. I resumed payments when I secured a fulltime position inXX/XX/XXXX, but unfortunately was laid off in XX/XX/XXXX. The second ( {$1100.00} ) and third modification ( {$1100.00} ) were basically the same amount and did not provide the relief in financial burden that could be sustained. I have since secured employment and reached out to Seterus since XX/XX/XXXX to present and have been consistently denied for a modification although the value of the home has been in an upside down position for the past 8 years. The taxing authority in the township has acknowledge the decrease in value, other home sale in the area have been tippering in the range of {$80000.00} to {$140000.00} and yet the mortgage company refused a request for principal reduction and/or modification claiming among other reasons, " interest rate not fixed rate '' when they were the one who took away the fix rate and offered an adjustable, which I was unaware of.
I have XXXX XXXX in XXXX and XXXX in XXXX XXXX and have been a XXXX mother working all my life to maintain a home for my children and I. Unfortunate circumstances beyond my control have brought me to this point, however I still a wiling to pay the mortgage, just need one that is affordable and does not cause such financial burden.
I have taken out XXXX private student loans, which American Education Services ( AES ) bought out. I have been paying on these XXXX loans every month and I pay on time. My payments total XXXX and only XXXX ( ballpark ) goes towards the actual balance. Since XXXX a total of XXXX has gone towards my balance and the rest I was told went to interest. I called this company numerous times to get help from them regarding a payment plan and they are never any help. They say I used up my options. They are not very professional or friendly. The representatives are rude. They do not explain how the repayment plans work and they do n't notify the customer that they only get XXXX chances to change their repayment plan. I have done some research on this company and there are numerous bad reviews about the company, with many consumers complaining about the same problems. This company should be investigated and looked in to by someone, as I think they are ripping people off. I work very hard for my income and I pay faithfully to this loan and the balance is barely going down.
My auto loan has showed up on my credit report from XXXX. This was a loan that was payed off in full by my insurance company " XXXX '' because my husband was in a car accident that resulted in a total loss. My insurance company paid what TDBANK said was a full payment for the vehicle before XXXX/XXXX/2012. TD Bank is reporting on my credit that there was {$290.00} owed and finally charged off. I received NO information about this or would have realized this sooner. This is greatly impacting my credit report because it was an auto loan. It 's fraudulent. I called TDBANK about it yesterday XXXX and they said I would have to contact you and file a complaint and have you investigate it. I sure wish I had realized it was on my credit report years ago!