WillisBack/dataset-financial-user-claim huggingface dataset:
Please none of the option for " Which best describes your problem '' related to me.

Which best describes your problem? Making a false statement or verbal contract in exchange for full payment.

On XX/XX/XXXX I noticed my loan writer noticed a item was reported to my credit report on XX/XX/XXXX. It was from a company called Professional Bureau of Collection on Maryland Inc on behalf of XXXX XXXX XXXX XXXX. I was informed that I owed a company called XXXX. So I called XXXX of XXXX   and was informed that I indeed owe the money. So early morning on XX/XX/XXXX I called this company Professional of Maryland to see what was going on. They informed me that I owed {$310.00} informed them that I confirmed it with XXXX that I did owe the money and that's why I was calling to settle the debt now over the phone. I inform the customer service rep that i was currently in escrow and that this collection on my credit has blind sided me. I informed her I have spend the last 18 months cleaning up credit to get this house and now on XX/XX/XXXX without making any attempts to contact me what so ever I'm hit with a collection. I explained to her that I had no problem paying right now but I must have assurance this item in question would be " REMOVED '' not paid in full. She informed me that only her manager could approve that and I informed her that I will hold for her manager. A Mrs. XXXX XXXX came to the phone and informed me that if i paid this {$310.00} today they will have this item removed from my report on XX/XX/XXXX once they update the report over to the credit bureaus. Only after being told times that they would update the bureaus on XX/XX/XXXX did provide Professional of Maryland my debt card and paid the {$310.00}. Now it has been 74 days and 5 ordered credit reports later and this item continues to show on my credit report. Every time I call Mrs. XXXX  I am told the same thing. " they have already updated XXXX to have this item removed '' So after running my report onXX/XX/XXXX for the 5th time in 74 day I still see this item on my credit report as paid in full and not removed as Professional of Maryland have been telling me since XX/XX/XXXX. I called XXXX and spoke with the fraud department only to be told that Professional of Maryland has only reported my account as " paid in full ''. They have never asked XXXX to have this item removed from my credit report. Professional of Maryland enter into a verbal recorded contract with when they stated they will have this item removed once paid in full. Now they continue to blame XXXX  for not updating my report. I have HOURS on hold with Professional of Maryland trying to resolve this and i am getting nowhere. They have already cost me a higher finance rate and per hardship and stress. I need Professional of Collection of Maryland to honor our verbal contract and have this item removed ASAP.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I called in and made my payments to you when I received my statements. I got a confirmation that the payment was received. I never got any phone calls or notices that the payment was not received for any reason. This is inaccurate and not my fault. I need you to immediately remove this false late pay from my credit or I will get an attorney involved.
I purchased a new vehicle on  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my  XXXX   XXXX  which was Financed with  XXXX   XXXX   XXXX ,  XXXX   XXXX  obtained a 10 day payoff in order to send   XXXX   the correct amount owed. I started receiving collection calls from   XXXX    around  XXXX   XXXX  asking for payment from me I stated that I traded the vehicle in on  XXXX   XXXX  and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with Experian but they did not remove it. The Dealership overnighted the payoff check on  XXXX   XXXX  and now my credit suffers because of it.
EQUIFAX CREDIT REPORTING AGENCY IS REPORTING A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX AS HAVING A {$15000.00} BALANCE AS WELL AS A {$15000.00} PAST DUE AMOUNT. I HAVE DISPUTED THIS ITEM BEFORE AND HAVE HAD IT SHOW A {$0.00} BALANCE AND {$0.00} PAST DUE AMOUNT. XXXX XXXX CLOSED THE ACCOUNT AND NOW SHOW IT AS PAID WITH A {$0.00} BALANCE AFTER A XXXX FORM WAS FILED AND THIS MONEY REPORTED AS ADDITIONAL INCOME TO THE IRS. XXXX XXXX AND XXXX XXXX AT XXXX ARE THE CONTACTS AT THE CU. I NEED THIS BALANCE REMOVED FROM MY CREDIT REPORT ASAP.
On XXXX/XXXX/XXXX at appropriately XXXX I contacted a male by the name of XXXX XXXX who had been harassing a friend in regards to a debt they say is from XXXX. XXXX XXXX of XXXX XXXX and XXXX stated that XXXX XXXX brought this debt from HSBC. He went on to say that they will be serving me papers for court to sue me and if I did not pay they would be garnishing my checks or seizing my bank account unless settled before court. I informed him I do n't recall this debt and how am I sure its mine he presented me with information he had and stated that its clearly is mine. I told him I am not sure of this debt. He went on to say that they will be serving me next week at my home or come to my job. On XXXX/XXXX/XXXX I called the number that he left. A gentlemen answered I asked who was I speaking to he stated XXXX XXXX I asked what is the name of this company he stated XXXX XXXX XXXX. I then asked for the address of the company in which he refused to give me unless I provided him with docket number. I feel as though this is a violation I not sure if one needs to give there docket number in order to receive the address of their business which should be public information. Please look into this.
I made a request to Experian to lift my credit report freeze permanently. I complied with all of their requirements and asked for confirmation. Experian has not answered to mu request. I have been denied credit XXXX times based on Experian 's incorrect information. Please asked Experian to comply.
I am victim of Identity THeft and I can not login into Equifax system to check my credit report because it keeps blocking me from the site. When I enter in my personal information, I get a message stating that records do not match information entered which is a lie. My address as well as my personal information have not changed.
In XX/XX/2016 I applied for a HAMP loan modification from U.S. Bank. My husband 's untimely death due to XXXX forced me to request a loan modification. I provided all the paperwork required by the bank as well as additional documents requested after my weekly follow up calls. In some instances I sent documents 2 and 3 times. I was recently informed that my request was denied due to lack of documentation. This is completely frustrating as I provided all that was requested and then some. Plus on several occasions I was told that nothing was required. So to be told I did n't provide enough documentation is ridiculous. It is my firm belief that my application was rejected without cause.
My Mortgage was with Bank of America from XX/XX/XXXXthru XX/XX/XXXX around that time I was unemployed and had to file bankrupted but from XX/XX/XXXX thru XX/XX/XXXX the payment were being made by the trusteed and Bank of American start out receiving payment in the amount of {$1100.00} and the payment drop to {$1000.00} but in XX/XX/XXXX I loss my job and the bankrupted case was dismissed and the last payment that was sent to Bank of American was in XX/XX/XXXX but I received a letter from Bank of American stating that the account was soled to XXXX XXXX  however I received a statement from XXXX XXXX stating that I own over {$11000.00} XXXX dollars but my attorney stated that the account was current and I 'm not sure who made the mistake ... ..Trying to clean up my credit report and I need some help ... .Thank you.
I requested and paid {$420.00} to Flagstar bank to facilitate an appraisal on my property. The appraiser spent 15 minutes at my house and a couple days later submitted an error riddled report that reflected both a failure to perform the due diligence required in an appraisal as well as basic mistakes in measurements and calculations. The most glaring mistake was in the recording of the square footage of my house. The appraiser left out XXXX square feet from my XXXX square foot house. This resulted in choosing less comparable homes as well as undervaluing the comparable homes chosen by {$4500.00} to {$6000.00}. When the square footage was corrected the appraiser refused to change the opinion of value even though XXXX of the XXXX comparable homes used in the basis for his opinion, increased in value from {$4500.00} to {$6000.00}. When correcting the square footage error, Cost Approach method increased by nearly {$16000.00}. In addition to the square footage errors, the appraiser failed to account for the increase in market value from the sale date of comparable homes to the date of my appraisal, in XXXX case a period of eight months. I provided three separate letters detailing the errors and omissions committed, and none of the responses addressed more than one of the issues I addressed in the letters and none addressed the inconsistency in the comparable values and impact to the Opinion of Value. Flagstar bank claims to have its hands tied and has been unwilling to facilitate an accurate and error free appraisal.
On XX/XX/XXXX I contacted Transunion, XXXX, and XXXX about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from XXXX and XXXX. Transunion said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!
When XXXX switched over to Navient as my student loan provider, I was given no choice to do otherwise. I am currently a stay at home mother with XXXX children. My husband and I have been through a number of financial difficulties ( including my husband losing his job at one point ) and Navient never offered alternative repayment options or any options that would give us a measure of relief. We have a cosigner on the account but she is in as hard a time as we are. The problem is that when I called Navient to see what options might be available, they said they would have to speak with my cosigner. When they did, they determined that she makes enough to cover our payments when she actually does not. So, I 'm being told that there are no options ( there never have been through Navient ) and that my cosigner can pay ( which she ca n't ). The financial strain has been causing me a tremendous amount of XXXX, especially because once I use up all of the forbearance, I 'm going to have to choose between feeding my family or paying Navient 's steep payments. That 's not a decision someone should have to make.
We received a permanent HAMP approval for our first mortgage on XXXX XXXX, XXXX. In accordance to HAMP 2MP, the bank/servicer has an obligation to review the borrower 's XXXX lien, offer a trial period on same, and or extinguish or reduce payments on it ( rate/principal/term waterfall ) in proportion to the HAMP granted first lien. 

Our XXXX mortgage lender, XXXX, is required to report the permanent modification using the HAMP Reporting Tool. Our XXXX mortgage lender GMAC, serviced by an XXXX Call Center in XXXX, keeps transferring me to Ocwen 's Collection Agency or XXXX . They finally advised me that the XXXX mortgage was " written off '' to their affiliated collection company, XXXX XXXX, back in XXXX of XXXX and there is a XXXX balance as it relates to Ocwen. I am cognizant that " write off '' is an accounting terminology and by no way removes the lien or debt. 

Back in XXXX of this year, XXXX XXXX sent us an offer to settle just after we had been verbally approved for our HAMP permanent modification in XXXX of XXXX but had not yet received the attached documents. 

I reviewed the mortgages and liens via our county 's Comptroller 's Office and Ocwen nor GMAC ever processed a lien on our property in addition to the original mortgage. 

Please note, both the XXXX and XXXX mortgage were DISCHARGED AND NOT REAFFIRMED in bankruptcy under Chapter XXXX back in XXXX. 

I have taken the initiative to fax the HAMP permanent modification approval to Ocwen and can not verify receipt of the fax as the loss mitigation department will not speak to me. 

We were advised that the HAMP has to be " matched '' and the Department of Treasury has to officially notify GMAC/XXXX. However, no one can verify nor deny that our HAMP approval on our XXXX mortgage was reported and reflected in the Lender Processing Services ' Applied Analytics Division ( LPS ) data base. 

Our HAMP permanent modification on our XXXX mortgage has " fallen through the cracks '' and no one can assist us as to the status of the tandem 2MP process. 

We seek your help!
I became aware of this debt when I checked my credit report for the first time in many years recently. I saw that Southwest Credit System has an amount of {$190.00} reported for XXXX, however this was the first time I saw this. I had not received prior notice of this debt, along with account information and what the debt is for. Since I had my identity stolen in XX/XX/XXXX, I wanted to make sure this is legitimate. 

I disputed it with XXXX on XX/XX/XXXX and also wrote a letter to Southwest Credit System requesting verification ( USPS notified me that my letter was received on XX/XX/XXXX- proof available ). XXXX has not notified me that the agency has responded, and I have not received a response to my letter. 

I understand that a collection agency does not have to respond to verification requests within a certain time frame, but in this case I was never notified of this debt or what it is for and need verification.
The company never send me a final bill but instead disclose and send my account to a collection agency without my knowledge. I received collection calls all days with strange number and when I answer them I get treated and intimidation. I do not know the collection agency who calls and most of the time am at work because I work second shift and always calls during this hours.
A company called XXXX XXXX calls my residence each and every day starting around XXXX XXXX in the morning. They called 3 times on XX/XX/XXXX, 3 times on XX/XX/XXXX and 2 times on XX/XX/XXXX. This is when I started to keep up with the calls but it has been going on for weeks. I don't owe this company any money I have never done business with this company and it is annoying.
XXXX XXXX XXXX account No. XXXX out of XXXX XXXX, Tx submitted a delinquent account on my behalf, XX/XX/XXXX. I did not apply for credit with XXXX bank and they list an address of XXXX XXXX XXXX XXXX, XXXX, Fla.XXXX. I have NEVER lived in XXXX. This account is not MINE. 
I wrote a letter to Experian, disputing the report. I sent them copies of my bills at my present address, which I have lived at since XX/XX/XXXX, and proof of my previous address for 27 years prior to that. I sent a copy of my Ms. drivers license, copies of my cable bill, copies of the security system, copies of my power bills, etc, proving that I live at XXXX XXXX XXXX XXXX, XXXX, Ms . 
I mailed all of this on XX/XX/XXXX, signature required. I received Experian 's reply today XX/XX/XXXX, stating it would remain on my credit report. 
Can you help me. 
Thank you
XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX. 
I just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job.
No proof of Debt - I have tried repeatedly to have them provide proof of debt. They became hostile, rude and argumentative. They have provided zero proof of debt.. No original billing has been provided.
They are calling my job my parents number and other family members telling them that a claim was issued aganist me and do they know of my where about using a robotic dialer. I have spoken with them and they refuse to give me any information in regards to what it is about unless I provide my ss number.
The actions being taken against my dwelling by OCWEN LOAN SERVICING , LLC and it 's agent XXXX, XXXX XXXX XXXX , XXXX & XXXX XXXX XXXX in the Circuit Court of XXXX County is in violation of the Consumer Financial Protection Bureau Consent Judgment # XXXX against OCWEN FINANCIAL CORPORATION and OCWEN LOAN SERVICING , LLC ( OCWEN ) for violating numerous laws, including but not limited to the Unfair and Deceptive Acts and Practices law and the Consumer Financial Protection Act of 2010. 

A FDCPA demand was mailed in XXXX XXXX and as of this date the Respondents have failed to provide evidence required by the CFPB and under the FDCPA that OCWEN is a 15 USC 1692a ( 4 ) creditor, yet is proceeding in an action that would be in violation of 15 UCS 1692g to cease and desist absent verification.
My complaint is regarding closing my credit card account with XXXX XXXX. First off I would like to say I was never aware of opening this XXXX XXXX 'XXXX XXXX ' store credit card. I did make a purchase with the store back in XXXX XXXX I believe and did give some of my personal information to a store employee just to see what kind of financing I could qualify for. I however was not interested and decided not to use or open a card with them. Since then, it came to my surprise months later, try 6 months later I 've been receiving XXXX XXXX mail regarding the account they 're telling me I opened. In the meantime I never received a credit card in the mail to activate from XXXX XXXX and was never aware of opening an account and here they send me mail regarding my account ending in this specific number etc. 
I called XXXX XXXX and told them I never received a credit card and was not aware of this account being opened in my name. I also told the woman from XXXX XXXX that I would like to close the card. She did tell me the account was never used and there was XXXX balance on the account, and she told me she would close the account. I made this phone call 2 months ago and now I have again received a letter regarding my account in XX/XX/XXXX, which tells me they never bothered to close the account. 
Please help make sure this credit card account is closed. This has seemed very sketchy to me and I worry that someone will get access to this account and use a card in my name. I would like to close it before that happens and receive verification from XXXX XXXX this account is closed. Thanks!
All I know is the thing on my credit report is BRCLYSBANKDE and I dont know what this is
In 2015 I noticed a collection action on my EQUIFAX credit report which I disputed to no avail. I complained to the XXXX XXXX XXXX XXXX XXXX XXXX ( attached ) and received a response from a debt collector ( attached ) resulting in the debt being removed. 
I notice that an incorrect Social Security Number, XXXX, is reported on my EQUIFAX credit report and I believe that it appeared in conjunction with the erroneous collection action. 
I need the incorrect Social Security Number, XXXX, removed from my EQUIFAX credit report.
I have submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX  # XXXX Unverifiable Acct XXXX XXXX XXXX # XXXX Unverifiable Acct XXXX XXXX # XXXX Unverifiable Acct.
And Saturday, XX/XX/2018 I called Chase bank to increase my daily allowed cash withdrawl via an ATM so I may withdraw {$660.00} for that day only. I went to the ATM machine owned by Chase bank in front of XXXX XXXX on XXXX XXXX in XXXX Michigan. I attempted to withdraw {$660.00}. The machine only gave me {$40.00} ( 2- {$20.00} bills ) I saw the machine had only given me two bills so as I withdrew the two bills from the machine I held it up to the machines camera. As I was still at the machine, I called Chase bank. I explained the issue. The escalation department stated that I would have the money back in my bank account within 12 hours. After 12 hours, I did not have the funds in my account. I called Chase bank again and was told that the funds would be in my bank within the hour. I called back the next morning and was told that I would not have the money until Tuesday as the transaction had to go through and not be in the pended state. I received a call on Tuesday, XX/XX/XXXX and was told that the bank had sent a team out to reconcile the machine. The representative from Chase bank informed me there was no issue with the machine and I would not be getting my {$620.00}. I explained to the manager of Chase Bank on the phone that I had held up the money I received and ask them to pull the camera from the ATM. On Wednesday, XX/XX/XXXX I went to the chase bank in XXXX Michigan. I was told by that branch manager that I needed to file a police report and get a subpoena in order to have them pull that camera. When I spoke with a police officer to file a report, he stated that it was not a criminal matter, but instead a civil matter and there was nothing he could do. I asked him to call the branch manager with whom I spoke at chase bank in XXXX Michigan. The police off they said there was nothing more he could do for me.
Sent several Disputes predating XX/XX/2018. Most recent Credit Report XX/XX/2018 purports information verified and investigated. It has not been investigated nor verified. See Date updated section on credit entries. I contacted original creditors several times and verifications not met ; Original creditors unable to produce original signed documents. 

CRA must also update information provided. 

Other credit reporting reporting agency deleted entry because account unverifiable.
My payment has been paid on XXXX/XXXX/2017 which was mailed on XXXX/XXXX/17 and still as of XXXX/XXXX/17 my payment has not been posted to my account, and been advised I will get late fees even though im still under RESPA protections. also the sub servicer XXXX would not admit that the loan is serviced on behalf of The Money Source. so the whole process ive been lied to and no help resolving this.