WillisBack/dataset-financial-user-claim huggingface dataset:
Attempts to contact and resolve the removal of paid items from my consumer credit report have been unsuccessful. Debts either do not belong to me or have been paid in full. I am requesting that they be completely removed from all three credit bureaus. There should be no delinquent or derogatory items listed. This is preventing me from being able to purchase a home, and I have been denied a home loan twice. See items below : 1. ( Money Recovery Nationwide ) XXXX XXXX ( 3 accounts as follows ) : 1. {$750.00} 2. {$360.00} 3. {$220.00} 2. ( XXXX XXXX ) XXXX XXXX ( accounts ) 1. {$210.00} 2. {$340.00}
I purchased a money order from XXXX on XXXX XXXX 2015. When I got home I mobile deposited the money order from my phone. When I did so the bank gave me a message reading, " the funds will be put on hold for 5 days '' well I could not wait 5 days so I took the money order back to the store I purchased it from and got my my money back. I knew that the bank was going to charge me for that but after the 5 days they did not charge me. A week or so later I got a letter in the mail from XXXX stating " I cashed a check at XXXX and the check was stamped altered and fictitious '' I called XXXX and talked to XXXX XXXX and she stated I cashed a fictitious check mat XXXX and I need to bring them XXXX. I told XXXX XXXX I never cashed a check there but I bought a money order there, brought it back and cashed it cause I bought it from shop and go. She insisted I cashed a bad check. I told her a check and a money order is XXXX different tools and I gave you the money to get the money order and came back and got my money back so the store did not loose out on Money they never had. The conversation got heated and XXXX XXXX called XXXX XXXX XXXX told him I passed a bad check and I got a call from detective XXXX stating I need to pay XXXX XXXX dollars or I 'm going to get arrested and charged with passing fictitious check. I told XXXX that I did n't cash a check I cashed a money order that I bought with my money how is that a check and how is a money order I purchased with my money that I took back to the same store I purchased it from and got my money back XXXX stated " cause western union took the money out of XXXX account and would not pay them '' I said pay them for what that was a money order not a check. I ended up taking XXXX dollars more of my money to pay XXXX and I had to call western union money order to get my funds back from them. I sent certified receipt money request for to western union money order to get my money back on XXXX XXXX and someone from Western union signed for the mail on XXXX XXXX. When I called western union they stated they do n't have the forms I said someone signed for it on the XXXX. The lady XXXX at Western union told me to fax to her and I said I do n't know what is going on but you all have the paper work and I should n't have to be resending anything you already have it. To make a long story short the money order had a stop payment on it and I did n't put it there and they did n't pay XXXX I did so now I need my XXXX dollars from Western union and they giving me the run around.
This loan was over five years ago with Bank Of America. I finally managed to get a home loan modification with them but then they promptly sold my loan to another company with whom I have been making on time payments ever since.

I have asked and asked that the Bank Of America be taken off my credit report because at the time I fell in a hardship. My brother had died and I took in my mom who is the widow of a XXXX  XXXX vet. BOA refused to help me at all and I had to fight two years for the home loan modification. 

I have called and called about having this taken off my credit report due to hardship. Their customer service is very rude and refused to help me. 

I hired XXXX XXXX to help but they met with much the same response. 

All I want is this off my credit report. I really need help with this because every time I call in their customer service is quite rude to me. 
I no longer have the documents they should also have as it has been over five years.
Venmo user ID " XXXX '' sent me XXXX money transfers ( XXXX, XXXX, XXXX, XXXX and XXXX ) to buy my XXXX through XXXX. 
Money appeared on my Venmo account and I released my bitcoins to him. 
a couple of days later Venmo frozen my account and never return the money back to me.
Selling my mortgage to a Business That Is Not BBB Accredited Mortgage Company.  XXXX    XXXX    XXXX . Without giving us an account number or without approval from us. Leaving me open for more of their stealing and helping  XXXX  to do what their past complaints consisted of to me. Got notice today and It starts  XXXX   XXXX    XXXX  . Less than  2weeks.  Spoke to  PNC (   XXXX   )  she did not care. I took out the loan with  National City Mortgage Company. National  City was bought out  by PNC. I called PNC yester day and asked for a supervisor call us., they did not call us.  XXXX  said they have nothing to do with us any longer because they do not have our mortgage any longer. We have been paying on time for almost 16years. This is our home. We have more than nothing to say about who we do business with. Nationstar is the worst business they could have dumped us on. Nowhere on or contract does it say that they could sell our mortgage. We never implied or signed anything allowing them. .Nationstar just got fined  XXXX   XXXX  Dollars fine last month. I was told by  XXXX  to call  XXXX  to get this information .I got a tape telling me that they would call me back. They did n't either.  XXXX  is also where my checking account is with no bouncing checks. Where did we go wrong. Nowhere.PNC went wrong. Just because their a bank that does not give them the wright to do what ever they want. I served my Country and I expect the lawful authorities to do there jobs. It amazes me how a company like  XXXX  stays in business. Own and operated by crooks. There are  XXXX  reviews about  XXXX  bad, XXXX  Neutral  XXXX good. All the complaints are of the same nature.Stealing, charging fines after suddenly misplacing their payments making payments late drawing late fees. ect..This is where PNC dumped my wife and I. We are  XXXX  and we do not or will not deal with thieves. The Government needs to shut down  XXXX  and not allow Banks lik e PNC t o dump you in the middle of this mess.PNC was our 2nd Mortgage company. We still have no payment book or even an account number. Would you trust them? I feel like we are being set up by PNC to later have  XXXX  steal from us.  PS My si ster had  XXXX   XXXX   XXXX .  3months ag o they foreclosed on her home .She said her payments disappeared. Payed through her bank.  XXXX  &amp;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  XXXX   XXXX . Please leave message been getting allot of sales calls since this happened.  XXXX  XXXX  XXXX
On my credit report they say I owe over {$17000.00} in child support that a lie i jave proof i was paying my child support I have my check stubs to proof it
Someone from this number, XXXX keeps calling my father 's residence looking to speak with me. Apparently, she has told my dad there will be legal action taken against me if I do not pay " said debt ''. However, I have all my financial information taken care of. She is violating the Fair Debt Collection Practices Act by threatening someone else for a debt I supposedly owe. There is no verified debt amount, who the debt is from, and or a federally required debt collection notification letter sent to my address over said debt. 
I want these calls to stop occurring right now.
I have had many issues with Navient during the repayment of my student loans. The phone numbers that they provide in their mailings are often inaccurate. When I call, I frequently get transferred around from department to department. It is not unusual to spend over an hour trying to get to a live person who can help answer account questions. Many of their customer service agents simply hang up on me when I start asking questions. When I email, I get a reply saying to call. 

I have two private loans currently serviced by Navient. I believe that Navient has not appropriately applied the interest rate that I qualified for under the interest rate reduction plan. I have to apply annually for the interest rate reduction plan, and I have qualified for this plan every year since I graduated. 

I also believe that Navient has not appropriately applied my payments to my account. I have to private loans and 8 federal student loans. Payments get applied to the wrong student loans. Navient does not provide a clear way to view how my payments are being applied and does not apply my payments to the correct loans.
XXXX XXXX XXXX XXXX is demanding that I get a credit card from US Bank which is a substandard credit card company and has many complaints filed against it. 
To give you a background of my concerns, a couple of years ago, US Bank was incompetent on reporting a hotel charges on a credit card account I had to usein a timely manner. They reported me late due to their negligence and tried to ruin my A+ credit. It took them over three months to correct. Not only this, they charged the account for {$80.00} for some perk program I declined. I tried to get them to remove and waive it which they refused. I ended up paying it out of my pocket to ensure my credit didn't get blemished. Now XXXX XXXX is demanding I get this credit card on my credit rating which I do not want associated with my credit. 1. US Bank is a client of XXXX XXXX and there is a conflict of interest here as there are others who clients whose credit cards are not considered. 2. US Bank is a credit risk to my credit ratings. 3. US Bank is a reputational risk to my credit along with others along with XXXX XXXX. 
If I must adhere to XXXX XXXX 's compliance which advises employees to point out reputational risk and conflict of interest which they choose to ignore, how do I make sure US Bank is not connected to my credit? Is there a waiver I can sign to ensure that US Bank does not report this card on my credit? I work too hard to keep my credit at an A+ status.
On XXXX/XXXX/XXXX Target the account was transfer/Sold to XXXX XXXX Debt Collector. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call Target and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about XXXX XXXX XXXX garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On Transunion Credit report the Target the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XX/XX/XXXX, the last payment was XX/XX/XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. Target was not able to produce any information so the credit companies took it off my file. XXXX XXXX buys the debt from XXXX XXXX. XXXX XXXX files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and XXXX XXXX XXXX is the subsidiaries of XXXX XXXX XXXX , XXXX who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work XXXX XXXX XXXX paper work that was given to me is not correct because the target account number is blot out with a black marker and the XXXX XXXX XXXX XXXX is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.
DiTech had setup an escrow account without my consent or knowledge. They claim that there was a gap in my insurance coverage. Apparently according to them my insurance company renewed my policy at a lower coverage then was currently being covered. At the same time I had secured insurance coverage from another company ( more for less ), which was no problem but Ditech claims that I owed them for a month or two and instead of letting me pay the gap, they started an escrow in which they deposited my timely payments and deducted the gap amount, then reported my payment late. I had auto payment set up with my bank and they assure me that all payments were sent on time and statements support that. I finally got in contact with someone last month, that explained the situation to me, as I only found out about it by checking my credit report and saw the late payment notices. I immediately paid the amount owed, even though it seems unusual to me that an insurance company would renew a policy for less. Not worth my time to argue over a {$100.00}, I just paid it and asked that they remove my late payment marks on my credit because I never made a late payment. They have refused to rectify the situation and my credit is being unfairly damaged as a result of it.
Fortiva a creditor has failed to correct inaccurate information in the remarks on the XXXX and XXXX credit report. It has been a merry go round with letters stating on Fortiva behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.
In response to a prior complaint made with CFPB (  XXXX  ) Portfolio Recovery indicated they would remove their trade line from the credit reporting agencies however when I spoke with   XXXX   and  XXXX   XXXX  on  XXXX   XXXX ,  2017 they h ad not removed their trade line from my   XXXX   and  XXXX   XXXX   credit re ports. When I speak with   XXXX   or  XXXX   XXXX  to let them know about the prior complaint filed against Portfolio Recovery and provide them with the CFPB complaint number, I 'm informed my complaint is not  one of  their options.
In 2014 I purchased a bed and accessories from XXXX XXXX which was serviced by XXXX XXXX on a merchant 's store credit. In addition, I paid for accessories by separate individual credit card not associated with the store, XXXX XXXX or XXXX XXXX. Upon delivery, it was discovered that the salesperson at the store had incorrectly allowed for the size of the bed frame built in to my bedroom. While the installers were still on the premises both the installers and I placed calls with regard to this situation. The installers were instructed by their company to return all items and cancel the transaction. XXXX XXXX advised me that the transaction was being cancelled and reversed. All accessories purchased separately by me were returned to the store and I was advised that ALL charges would be reversed. I eventually received a refund for those accessories. Since then, XXXX XXXX has attempted to re-charge me for the returned accessories or other items. I have communicate with multiple debt collection services over the years and with XXXX XXXX. XXXX XXXX continues to report this as a debt and has damaged my credit standing significantly for several years. This ongoing attempt to collect a non-existent and false debt has amounted to harassment. At this point, I intend to file an action against both XXXX XXXX, XXXX XXXX and any debt collection agency in accordance with the provisions of the FDCPA, FCRA and state laws governing attempts to collect a debt not owing and damage to my credit standing.
Fruad account account was deleted twice from credit report then keeps reappearing mid XXXX XXXX XXXX XXXX   creditor change name to the back of Missouri and readded account with the same account number that was deleted I attached proof Amount XXXX XX/XX/2015 account was open
TRANSUNION REFUSES TO DELETE UNVERIFIED CREDIT INQUIRIES Hard Inquiries hard inquiries which have made a dent in my score. Here are the inquiries on my TransUnion report. 
XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX
State Farm Bank is the XXXX mortgage holder on my house, they received all the requested documents for modification/settlement review. I have provided all the items they requested but despite my numerous phone calls they are not responding to me about the status of my file. Their phone numbers are always busy and I have to wait for more than one hour and then finally the call gets disconnected!!!! 
I have tried many times to get some ressponse from them but State farm is not responding!!!.
I received an offer in the mail from CIti Bank promoting a zero percent interest rate on balance transfers for 14 months. The offer stated to apply by phone or go online. I went online and applied and was immediately accepted. When I received the card the information included showed 24.78 % interest on balance transfers. I contacted the company immediately and was disconnected after talking to one individual, called again and the rep was difficult to understand and when I asked to speak to a supervisor I was told that they would tell me the same thing that I did not have 0 % interest. He said he would send a ticket and I would receive a response in 3-5 business days. A week later I called to ask a status and was told would take up to two weeks to receive a response and they were working on it. I advised the rep that they should know what campaigns were mailed and this was ridiculous and very misleading. I need someone to research this issue and advise why Citi can bait and switch consumers.
I 'm sorry to say I don ; t have the exact date I purchased a wireless home phone from XXXX but it was in 2016. It came with a 14 day return policy no questions ask, so, because of low quality performance on the equipment I decided to return it within 7 days, remember I had 14 days to return it. So I took it in to the XXXX store here in XXXX, tx only to here them say I would owe a restock fee, that 's strange because at the time I made the purchase the sales person never once mention a restock fee, I informed them of this fact but they insisted that I owed the restock fee. The said it was in the paper work but they neglected to inform me of this. They became rude and started calling me trying to collect this restock fee but I refused because of their neglect to inform me. 
So now XXXX has turned it over to a company called Convergent XXXX XXXX the account number is .... 
XXXX I had already been in the hospital with a XXXX issue going on and did n't need this kind of non sense. Now they ( Convergent ) has reported this to XXXX  FICO 8 score further damaging my report. I want this non sense removed from my report. 
Thank you in advance for your help, I have herd you guys are great with helping people resolve issues. 
Thanks XXXX
The is at the least the 2nd complaint that I 'm filing against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Discover within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving 7 debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all Discover has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and Discover investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with Discover 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor XXXX, and the Governor XXXX about Discover and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what Discover has done to me and possibly many others.
1. Bayview Loan Servicing agreed to do a new appraisal 2. The value agreed with the offer of {>= $1,000,000} 3. Bayview denied some costs, but the agent will pay the costs from the Real Estate commission. 
4. Bayview Loan Servicing indicated to give approval if some seller costs will be paid by someone other than them. 
5. Why are they are desperately trying to sell the property at Foreclosure Auction at the same price, but refusing to give approval for the current buyer to close. 

1. Bayview Loan Servicing gave conditions for approval and the conditions were accepted by the seller and the buyer, but they are delaying giving us approval, so that we can close, despite the fact that we have accepted their terms.
For years, I 've been forced into forbearance with Navient, which, mind you, they charge you for you, about {$100.00} each time, that you have to pay that day, on the phone, as though asking for financial assistance means having those funds. Anyway, I 've never been allowed an income-based repayment plan. And currently, my student loans from Navient exceed what I borrowed ... and I have been paying on them for nearly 10 years with no relief. And this is n't the only set of loans I have. I make less money than I owe per month for my loans, and I 'm given no assistance. I can not continue to pay the forbearance fees on them, for a 3 month period, in which time I do n't magically make more money. I also feel they 've messed with my interest in some way, because how have these not gone down at all since 2009? I 've attached copies of my statements and proof of payment. But I have to say, to be charged that type of capitalized interest, offered no financial assistance to someone who needs it, and to disqualify me for an interest rate reduction ... it all makes me sick.
In the month of XX/XX/XXXX I opened a new account with fortiva credit card for a {$400.00} credit limit in the same month I went over my limit and immediately made a payment to get the over limit payment down. In the same month of XX/XX/XXXX, Fortiva closed my account and put my card in collections. I understand I went over my credit limit but they were unable to answer why I was put into collections even though I made a payment.