WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted XXXX XXXX XXXX after being told I could never open an account. I was robbed have proof that supports my claim. I have gotten nowhere. My next step will be to have my lawyer file intent to sue letters, in which I will seek to have this resolved if not done so in a timely manner.
XXXX XXXX reported a hard inquiry on my Experian Credit Bureau on XXXX/XXXX/14. I have no knowledge of what this company is.
I opened an " Ultamate Rewards Mastercard '' in late XX/XX/2017 at a store and was told I would be mailed the information required for paying the bill. After two months, I had still not received any bills or the physical card and was receiving robo-calls demanding payment. I explained to a customer service representative that I did not have the information to pay the bill and they kindly allowed me to immediately pay the bill over the phone and forgave my late fee. They stated that they would send out another physical card and bill. 

By XXXX, I had still not received my card, so I went to the store and they said they could just look it up using my phone number and other information. I bought my products and they said they were sure another card was on the way. 

In XXXX, I had still not received a card! I was now receiving robo-calls again but I couldn't seem to catch a real representative on the phone to pay again. Since I was working 4 jobs and finishing my thesis, it took me a couple weeks to schedule a time that I could physically go into an XXXX store and ask them to give me my card information so I could use that to go online and pay a bill. 

When I finally acquired this information, I paid precisely off what I had spent but I asked that the company remove my late fee as I had not had access to pay the bill until I went beyond what should be deemed reasonable to do so, due to never receiving my card. They refused immediately and in frustration, I closed my account. 

I had double checked that my address was correct and I have never missed payments on any of my credit cards in my adult life. Now they are all accumulating with late fees. I have nearly {$70.00} in fees that are the result of their mistake. When I called again, they said they couldn't adjust anything because my account was closed.
Experian and XXXX are continuing to report a collection item the collection agency has discontinued reporting to them. See included documentation ...
XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX mortgage. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to Shellpoint, who has a debt service contract with them. Shellpoint assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, Shellpoint transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXXShellpoint was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
On XXXX I had a Seller account with EBAY, in good standing. Due to health problems, I could not continue selling my products on EBAY, with the inability to pay a balance of {$140.00}. 

On XXXX XXXX, XXXX, all my debts, including the {$140.00}, were discharged on Chapter XXXX Bankruptcy Court. 

On XXXX XXXX, XXXX, ( XXXX years later ), after having resolved health and financial issues, I decided to sell small items on EBAY again, but found the account was suspended because of an unpaid account balance of around {$140.00}. 
I proceeded to call EBAY by phone Customer Service to solve the suspension issue. According to the Accounts supervisor, XXXX XXXX, I was not authorized to be an EBAY seller any more because my account was suspended due to unpaid fees. 
I explained XXXX XXXX about the Chapter XXXX discharge, but he insisted that " The bankruptcy filed is not the cause of the suspension it is from the fees ''. 
XXXX XXXX said I could open a new account, however, he contradicted that it would be problematic, because it will be link to my suspended account. 
In other words, EBAY has no problem at all with the Bankruptcy discharge. They are for ever penalizing me for suspension of fees on my records. 
Bottom line, there is no way I will ever be able to open a seller 's account with EBAY no matter what. 
XXXX XXXX was not able to provide me with copy of EBAY Sellers policies regarding the matter in question. 
I would like the CFPB to investigate if EBAY is complying with the Consumer 's Federal Laws. 
My opinion is that there should be no problem in opening a new fresh Sellers Account, without having the burden of an eternal negative suspended record. 
The Chapter XXXX gave me the opportunity to put in order all of my finances. Now, I have an excellent record in the Credit Bureau, including a good standing with several Creditors and want to start new with EBAY. 
Following is copy of XXXX XXXX 's letter. 
Thank YouFrom XXXX XXXX, today, XXXX XXXX, XXXX. 

About our phone conversation SR # XXXX ( XXXX ), This is XXXX XXXX, eBay Customer Service Supervisor. As what we have discussed about your question in creating a new eBay account. 
You can freely create a new eBay account at the same time our system is designed that if XXXX or more accounts are related to each other then those account will be linked. Since this account ( XXXX ) is currently suspended then this account may be linked to the new account. The bankruptcy filed is not the cause of the suspension it is from the fees. The purpose of the bankruptcy filed was to offset the charge meaning we are prohibited from collecting the money from the account. And because your eBay account was suspended prior to the date you filed for bankruptcy eBay is n't required to reinstate the account. 





Hope this information clarifies everything.
In XXXX 2016, my mortgage company ( ditech ) completed a new escrow analysis and erroneously entered a duplicate property tax amount of $ XXXX- which in turn caused my escrow estimated payment to nearly double. On XXXX/XXXX/2016, I contacted ditech via phone and brought the error to their attention. The representative confirmed the error and assured me that it would be corrected. From XX/XX/XXXX-XX/XX/XXXX, I continued paying my normal mortgage payment amount. No further correspondence was received until XXXX/XXXX/2016, when I was contacted via phone by a ditech rep. and advised that I was now " delinquent '' on my mortgage payment since the ( inflated ) mortgage payment was not being paid. I was also informed that I was now accumulating " late payment fees ''. I advised the rep. of the incorrect escrow analysis and my prior contact on XX/XX/2016 to which I received a " sorry, there 's nothing we can do '' response. After a lengthy discussion, I was eventually transferred to a customer service representative, who subsequently contacted my local property tax office and confirmed the proper tax amount. Even after she acknowledged that ditech had not only mistakenly duplicated the tax amount, but had also failed to correct it on XXXX/XXXX/2016, and also failed to notify me of the failure to correct it -- I was still told by this customer service representative that I was " responsible for paying the incorrect amount due anyway '' and that " when ( they ) eventually sorted it all out, the difference would be applied to my principal ''. I have since received several additional phone calls, attempting to collect these erroneous escrow and late fees ; threatening that if I do n't pay, my credit could be impacted, etc.. Since purchasing my home, I have always paid my proper mortgage amount, on time. I do n't understand how I can be held responsible for ditech 's ( admitted ) mistake. Please help.
Not a valid collection - balance paid to  ORIGINAL CREDITOR.      At the time of the payment to the ORIGINAL CREDITOR the account with receivable management was CLOSED. They had nothing to do with the payment I made directly to the ORIGINAL CREDITOR  XXXX . Now they have opened a false account on my credit report stating I paid this debt in full. I paid this debt to the ORIGINAL CREDITOR   XXXX  , not receivable management.
I questioned an item on my EQUIFAX credit report. This was originally a dispute between XXXX XXXX XXXX XXXX XXXX ( XXXX ) and services provided by XXXX. I left the XXXX area in XXXX, and was not aware of the status of this claim until just recently. I requested that Equifax delete the item as the statute of limitations ( SOL ) in the case ( 3 years ), had expired. The case was filed by " XXXX '' on XXXX XXXX, XXXX. Equifax has not responded to my request. Furthermore, this item is not showing up on credit reports of other credit reporting agencies ( e.g. XXXX ). Can you help me to get this item deleted from the Equifax credit report and resolve this case?
On XX/XX/18, I attempted to apply for a Discover IT card through a link on XXXX. I had just recently moved and was unable to verify my new address with a bank statement at the time of application. I immediately attempted to rectify this by opening a local bank account ; unfortunately I was informed that I wouldn't be able to get a bank statement from them for around two weeks. 

Concerned, I called Discover 's customer service number and was informed in no uncertain terms that they would put a hold on my application for 30 days so that I'd have time to receive that bank statement. I was also informed that I had been pre-approved for the card pending that change of address confirmation. Upon finally receiving the bank statement and attempting to resume the application, I was informed that the application had already been denied, well before that promised 30-day window was up. The customer service rep I spoke to ( XX/XX/18 ) promised to have a supervisor reach out to me. No call was received. 

When I called in again, ( XX/XX/18, spoke to a supervisor named XXXX based in XXXX XXXX XXXX ) I was told that another hard credit pull would be necessary to restart the application, a completely unsatisfactory resolution. I do not believe my credit should suffer two hits due to the incompetency of Discover 's customer service team. I am incensed that they refuse to own the mistakes of their employees, and I do not believe they should be able to misrepresent their services in a favorable light when it suits them to attract customers, but then completely deny all accountability when their false promises fall through.
I applied for a job online through XXXX the temp agency and there was a job on there called XXXX which is a job you do working from home and they sent me checks stating that I had to deposit it mobile into my USAA account to buy products and that I had to send them {$1000.00} on XXXX XXXX 2015 and {$1000.00} on XXXX XXXX 2015 once the money came available in my account. I went to XXXX XXXX to send them the money back. When I tried to use my USAA card for personal items for myself out of the money I had in my account before that money from that job got in there it said not available when I swiped my card in the store and I tried to access my USAA account it said account restricted and I called and they told me that my account was froze and they are going to be ending my service with USAA because of the checks I deposited I tried to explain to USAA that I got a job offer online and I did not know it was a scam and I did not know something was wrong with the checks they gave me but they were not hearing me out, they told me they would send me a letter in the mail with their determination an every time I would call back to explain myself myself about it all the representatives would tell me they could not see my account and that there was a note on my account. I 'm young and took a job offer because I was seeking another job I did n't know that the job was n't legit and I feel USAA should have known something had happened because I never had any issues with my account with them. They also said it was different checks I only have XXXX checks and the job XXXX could have hacked my account because they were supposed to be a company from XXXX and opened a new building in XXXX Florida. I have never been in a situation like this and can not afford to pay back all that money to USAA. I 'm having a hard time with this right now because I have never experienced something like this and the job really seemed real. USAA also stated that I called multiple times but I only called three times and that 's when I was trying to explain to them my situation so someone was using my information is what I 'm assuming. When I called I was crying and ect. Because no one would help. An when I talked to a man he transferred me to a lady saying she was the one handling my information I was like I never even talked to a lady about handling anything so it seemed like another person was calling also. The person who was hacking my account realized that they could no longer access my account. I just do n't know what to do. USAA just was giving me the run around and they should have realized something different was going on with my account and something was wrong. I 'm young and they just took advantage of me and it 's hurting me that people would do things like this. USAA should know from the time I got my account nothing like this ever happened and my account never had this much funds the most I 'll have is $ XXXX {$200.00}
I am the co-signer of the loan and I believe the borrower has " tricked '' me into this private student loan obligation by misrepresentation mainly because of my XXXX and XXXX which resulted in bad financial decision. Since my XXXX and XXXX are worsening by every minute the borrower does not pay a single dime and deliberately avoid my calls and his obligation of this private student loan, I have wrote a letter to the student loan lender to ask for " co-signer release '' because of my medical condition. I have not received a response yet from the student loan lender but I highly doubt they would release a me since I pay each payment on time with a stable income.
Portfolio Recovery purchased an old debt from XXXX XXXX XXXX XXXX which I believe is a XXXXXXXX XXXX card. I contacted them about the validity of the account amount and dates which I believe to be incorrect and recieved no proof in return. They began reporting delinquancy on my credit report and changing the year of the account open date to more recent dates in order for it to remain on my credit report. I disputed with the credit reports and the only resolution that came from it is the account now states dispute resolved, cunsumer disagrees. Not only are they reporting wrong information damaging my credit but they call multiple times daily, at odd hours, from different numbers, sometimes leaving messages pretending to be legal companies.
XX/XX/XXXX. I made a {$4.00} transaction at a city gas station and the took out an {$80.00} authorization that I did not  approve. I immediately called the card company ( XXXX XXXX ) whom told me to reach out to merchant or give up to 3 days to be put back on my account. I waited over a week and the money still was n't added back. I spoke to the merchant who referred me back to my card issuer ( XXXX XXXX ) multiple times. Its now been over two weeks and the money still has n't been returned. I once again spoke to the card issuer ( XXXX XXXX ) who now says the money was added back the same day when it clearly was n't. I 'm now filling a complaint against my card issuer ( XXXX XXXX ) for not properly assisting me with this issue.
My mortgage that I took to buy my home in 2001 originally was with XXXX, when XXXX went through bankruptcy the loan was sold, changed to Green Tree then Ditech. After missing two payments during a divorce I was threatened with foreclosure. For missing two payments of {$1300.00} each, I ended up paying them over {$8700.00}.

My payments have been current through auto deduct from my bank account for the last eight years. After the threatened foreclosure Green Tree required me to do a monthly bank draft and charged {$16.00} for every draft, said that was the only way they could accept the payment. When I asked for a loan modification they ignored the paper work I sent them, called and harassed me, had a person showing up every Sunday when all the neighbors were home and made a big display out taking pictures of the property. 
My issue now is they are not showing my mortgage payments on my credit report, not showing me as a home owner, and it looks like intentionally trying to keep my credit rating degraded to prevent me from refinancing. 
Is there someone I can call to help me with this, what documents to supply etc. 
XXXX XXXX XXXX XXXX XXXX XXXX, Wy XXXX XXXX
I received a letter in a mail stating that I needed to contact HESC by the end of XX/XX/XXXX or they would begin garnishing my paycheck. At the end of XXXX after securing over time, I contacted HESC and I was told that I waited until the last minute and that they would move forward with garnishing my paystubs ; if I did not agree to a $ XXXX monthly " voluntary payment schedule ''. I explained that I could not afford that amount but was told if I did not accept that they would move forward with garnishing my check. 

I started making payments as followed : Date Payment Note XX/XX/XXXX {$450.00} Voluntary payment XX/XX/XXXX {$250.00} ( Garnishments started ) I was unaware XX/XX/XXXX {$310.00} ( Garnishment ) XX/XX/XXXX {$450.00} Voluntary payment, still unaware XX/XX/XXXX {$380.00} ( Garnishment ) XX/XX/XXXX {$400.00} ( Garnishment ) on XX/XX/XXXX prior to submitting my third voluntary payment ; I contacted HESC for a detailed payment breakdown. On this date I found out HESC submitted payroll garnishment of which they told me on XX/XX/XXXX. Also adding that there was nothing they could do about it. Please note : garnishments actually started on XX/XX/XXXX after I had already set up repayments with the company. When I told them I could not afford to make three sets of payments they told me to stop making the voluntary payments.

XX/XX/XXXX {$330.00} ( Garnishment ) XX/XX/XXXX {$250.00} ( Garnishment ) XX/XX/XXXX {$260.00} ( Garnishment ) XX/XX/XXXX {$280.00} ( Garnishment ) XX/XX/XXXX {$310.00} ( Garnishment ) XX/XX/XXXX {$390.00} ( Garnishment ) XX/XX/XXXX {$260.00} ( Garnishment ) XX/XX/XXXX {$320.00} ( Garnishment ) XX/XX/XXXX {$380.00} ( Garnishment ) XX/XX/XXXX {$320.00} ( Garnishment ) XX/XX/XXXX {$330.00} ( Garnishment ) I contacted my representative on XX/XX/XXXX leaving a voicemail pleading to have the garnishment released so that could consolidate all of my student loans, including those with the United States Department of XXXX. This was not my first time pleading for assistance. Prior to that date, my last set of requests were in XX/XX/XXXX and XX/XX/XXXX. I did not receive a call back. 

Today, after waiting on hold for 25 minutes, I spoke to my representative siting I would speak to consumer finance and am fully aware that releasing the garnishment is by their discretion. For the first time, since this started in XXXX I was directed to the XXXX XXXX XXXX Consolidation Program website to request consolidation. Additionally, my Representative stated the process would be faster if I submitted my last two paystubs, copy of my XXXX and a detailed financial statement. I am disturbed that help is available ASAP as soon as I mentioned consumer finance. 


Please look into this matter All proof of payments are on my paystubs - I have submitted the breakdown below but have not included my stubs with all of my personal information
In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and XXXX XXXX XXXX which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the first delinquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The seven years has now past, and I have disputed the information with all XXXX credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the first delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Please Help Me!! 

Equifax XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
My escrow account has risen twice in the past year. When I looked through the escrow, Freedom mortgage is charging me for two insurance plans. In XXXX of last year they paid {$690.00} for XXXX XXXXXXXX XXXX for my up to date insurance that is from XX/XX/XXXX-XX/XX/XXXX. In XXXX they again charged me for {$1400.00} for XXXXXXXX XXXX which I had cancelled in XXXX of last year. I have sent the appropriate emails for an escrow analysis four times with no response and have called the company three times. I was told the escrow analysis and change would happen no later than the XX/XX/18 and I still have not gotten any response. This has been ongoing for 2 months and I have never been late on my payment, but I should not have to pay the substantial increase on my mortgage payment d/t a mistake on their part. 
Thank you, XXXX XXXX loan number XXXX
I was astonished once I viewed my XXXX, XXXX and XXXX  credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.