WillisBack/dataset-financial-user-claim huggingface dataset:
I have a rental property that is now vacant. I can not afford it. The tenants left with 4 months of rent due. After the tenants jumped XXXX, my husband and I were helping my daughter and her XXXX children. I am now retired. Green Tree Servicing service this mortgage. I contacted a realtor and begin applying for short sales starting 18 months ago. I had to fax information and so did the realtor. We got a short sale approval then we were told we did not get a short sale approval. We needed to start over again. I had done everything they told me to do, the few times I have talked to someone I was told to leave a message with my account representative. I have left messages sent emails and left more messages. I got a supervisor 's name left messages and included her on emails. Collections continued calling, we would tell collections we are doing a short sale they would not know because one department area does not know what the other area has on file.. Personnel changes did not help the situation. In these XXXX months I have had XXXX different persons working with my account, if not more. We went to court ( XXXX/XXXX/XXXX ) and Ditech Foreclosure XXXX was present, I told her we have had offers on the property and have not heard from Ditech. She said she did not know anything about that in her area. My realtor told me they sent the offer to Ditech. I physically handed her ( the specialist ) a copy of the offer there at the courthouse. She said she would image it. I called ( approx. XX/XX/XXXX ) Ditech they said they did not see the offer. I called the Foreclosure Specialist she checked the file and the offer was there and had been there since XXXX/XXXX/XXXX. This has been the same kinds of scenarios we have had to endure all these months. Last week I was told by my realtor that Green Tree, who is now Ditech, actually called and I needed to fax more information to go forth. I faxed the information and I am waiting to hear from Ditech. Yesterday XXXX/XXXX/XXXX I got an email The buyer now wants their deposit back/withdraw their offer for the property because of the length of time this has taken. The house goes to foreclosure XXXX/XXXX/XXXX. I do n't want foreclosure on my credit report.
XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. 

XXXX XXXX/XXXX  account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. 

See exhibits.
An {$1100.00} debt that was charged off  in  XX/XX/XXXX  t hrough  XXXX   XXXX , was purchased by  JH Portfolio Debt Equities  in  XXXX , MO.  JH Portfolio Debt Equities  illegally re aged the account ( reporting as opened in   XX/XX/XXXX  ) and refuses to follow federal laws regarding the accurate and correct reporting of consumer financial information. I have disputed the information with each CRA and  XXXX  deleted the account due to the illegal re aging, however   XXXX   and   XXXX   did not thoroughly investigate the situation and the negative information is set to remain in my credit files well beyond the 7 year mark as a result if illegal re aging.
Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XX/XX/XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  Trustee for XXXX XXXX ( was XXXX   XXXX XXXX then Nationstar ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XX/XX/XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XX/XX/XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XX/XX/XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from XXXX saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent XXXX  XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been 7 years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.
Victim Information : Name : XXXX XXXX XXXX Age : XXXX - XXXX Address : XXXX XXXX XXXX XXXX/XXXX./XXXX XXXX : XXXX XXXX City : XXXX Country : United States of America State : Minnesota Zip Code/Route : XXXX Phone Number : XXXX XXXX Email Address : XXXX Description of Incident : On XX/XX/2018 morning, one fake person hacked my friends ( Naming XXXX XXXX ) XXXX account and sent me a message that his mother is very ill and is in XXXX. He needs {$3000.00} immediately and he would return that in couple of weeks. 
He provided account details as XXXX XXXX XXXX XXXX : XXXX and account # XXXX. He also provided a phone number XXXX but told me not to call as he is in XXXX. 
I know XXXX XXXX from last 14 years, so I decided to help him out by sending {$1500.00} via money transfer service called Remitly via express transfer which takes place in 4 hours, but because it was early Saturday morning it did take place immediately. 
It was Saturday early morning, as the transaction did not go through and in the afternoon, I realized that it was scam as I called up the number to know the condition of my friend 's mother. 

I immediately contacted Remitly to stop the payment, but they did not take any action. I reached out to them many times after that, but they failed to take any action to stop the transaction, they have given me complaint number XXXX. 
Remitly later harrased me asking for XXXX $ more when i filed a dispute on transaction with XXXX XXXX XXXX. 

I contacted XXXX XXXX customer care, but they asked me to contact XXXX XXXX XXXX instead. 

I contacted XXXX XXXX XXXX on Saturday and Sunday, but they told me that they can not file a dispute unless the transaction goes through and as soon as that happened they have taken the case and launched the dispute. The Case ID # XXXX.On XX/XX/2018 XXXX XXXX XXXX declined my claim stating that as I initiated the transaction i have to bear the charges. 


I will be extremely grateful if you can help in take any action and recover my money.
I received a collection notice from RMS stating I owe $XXXX from XXXX however when I submitted a complaint to the XXXX and I was advised in writting I should disregard the bill that was issued, and in fact I was to receive a refund. Instead of the refund, I receieved a collection notice. I am attaching both the collection notice and the letter XXXX sent to the XXXX.
Dealing with SunTrust Mortgage has been a nightmare and it just continues on long after closing. During application process I encountered the following : 1. lost documents they claimed held up processing when docs had been there for wks. 
2. claimed had converted to new system and all staff not trained to do both so that was reason for constant delay ; got preapproval at 30 day mark and then barely made closing. I had been told entire process would be 2 to 3 weeks 3. at closing failed to send a HUD doc that had been requested the week prior ; then failed to wire the closing money to pay seller, etc. Delayed closing for 1.5 hours. and when monies arrived were {$500.00} short 4. failed to enter my autodraft and then when I changed to new bank clerk failed to key in my account number correctly causing more delays. 
5. had to send in money to escrow and was given wrong address ; further delay & calls 6. sent in money to escrow with coupon for this years ' increase and they did n't record it in to my account until I called. I got email telling me I would have higher payment and then after calling twice more to get it straight got an email telling me mortgage payment for XXXX 2016 would be double what should have been ; when I called corporate ( XXXX ) told me told me to simply disregard it as it was an error yet no rebuttal email arrived. 
7. I have filed numerous complaints with conflict resolution ( attaching some ) and nothing ever really changes. However, after several they sent me a check for about {$1300.00} saying their post closing review determined they overcharged me. I doubt if that would have happened had I not been complaining. 
8. I could give numerous examples of minor problems and large ones through the past months but there is n't enough space ... ..everything they touch they XXXX. I have begged to have my mortgage sold. If they are this incompetent on all levels it makes XXXX wonder how efficiently they do all things. Maleficence comes to mind on at least two occasions.
Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of Suntrust and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.
This collection agency place a collections on my credit reports that do not belong to me. They tried this last year too. 
GOLD KEY CREDIT INC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compliant : Sentry Credit XXXX XXXX XXXX XXXX, Wa XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : Sentry Credit account dates are : XXXX for {$710.00}. This amount is incorrect. I am requesting that the item be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
My wife and I got calls from I.Q. Data International on XX/XX/2018. We were called in regards to a fee we have with our former apartment complex ( XXXX XXXX  ) for the amount of {$1300.00} for breaking our lease earlier than expected. After the introduction and disclosure to attempt to record the call, the callers from I.Q. Data International went about collecting the entire sum. When I told them I don't have the entire sum, they said that this would negatively impact our credit scores, and that there was nothing we could about it, if we didn't pay the entire sum now. I told them, that if they needed to impact our scores, then fine. We didn't have the {$1300.00} at that very moment, but we could work out a payment plan and eventually even out that credit impact. They said no, and said that they took my unwillingness to pay the entire sum now as a rejection of my obligations and that they will move forward with legal action to obtain their funds. On top of that, their callers harassed my wife and berated her on the phone, while she was at work. She is XXXX XXXX and had a patient waiting for her, and they refused to let her go. Then I was called, and explained that I could work out an agreement, and that was the best we could do. The caller went on to say he didn't believe my wife and I don't have {$1300.00} dollars laying around to pay, since we make enough to pay. I told him I have other bills, plus the holiday season to worry about, and he got mouthy with me, stating " Do you think I don't pay my bill because of Black Friday? ". To which I replied, " I don't know you, how would I not what you do? ". This seemed to irate the clerk more and he said I needed to be more focused on meeting my adult obligations. The clerks that called were rude, spoke over us, didn't let us explain our side of the situation, refused to work with us on creating a payment plan, and even disrupted my wife 's work with sick patients so they can yell at her. This was unprofessional, rude, insulting, and demeaning. Finally, after the clerk hung up with me, he called my wife to threaten her with credit damaging and freezing assets until she paid. She gave over a credit card number under the force of threat. We want this fixed. We looked up this company online and they have hundreds and thousands of negative reviews, due to their customer service harassment techniques. Why are they still allowed to practice business? I will have that credit card payment blocked, as I refuse to be bullied and threatened into action. That is not how to work with me. They can contact us, when they are willing to work out a payment agreement, which I am more than willing to do. Or they can sell off our debt to another company with better service. I'm willing to pay my fees, I am not willing to be treated like a criminal for it. If you need further proof of my statement, please ask for the recording from our phone calls. The ones made to me were on XX/XX/2018 @ XXXX and then again at XXXX. My phone number is XXXX, my wife 's number is XXXX.
Received letter from Midland Credit Management on XX/XX/2018 with payoff options on {$1200.00}. I don't owe anyone any money. I called the number provided. XXXX and told them that. They asked for the account number and then to verify my name and address, I noted that the name was spelled incorrectly. Then they asked for the last 4 of my SSN and I refused. They said they would take my address off their list but somehow I don't believe it. Seems awfully fishy!
I deposited a check from a fraudulent company/ job scam and deposited the check into Bank of America and withdrew the funds after they did n't initially stop the check. Some time after withdrawing the funds, they put the check on hold, causing me to show and overbalance and they are not cooperating with me at all in order to resolve. I understand that they can not directly go after the company, but at the rate I 'm going, I 'm going to be slapped with overdraft fees when they essentially told me to go get the money myself.
I am being charged principal and interest for a loan and I have not graduated yet. I am still in school and this loan should not come due until after I graduate. I talked with the Conduent people several times and they have my graduation date incorrect. They said it was the college that had the incorrect date. I spoke with the collage several times and this is not the case. My father has been making payments so I do not get charged late fees or get poor credit reported. 
This company seems very suspect in their practices.
I have XXXX mortgages with PNC, the XXXX mortgage has an adjustable interest rate, the XXXX is going to mature next year, at that time the payment on the XXXX mortgage will XXXX. I reached out to PNC mortgage in hopes to do a XXXX mortgage loan modification, during the process they established an escrow account without my consent and offered to extend my loan to 40 years, ( from the current XXXX I have left ), and increase the interest rate for a $ XXXX/dollar savings per month. This offer was a slap on the face and clearly will put me in a worst situation in the long run. 
My loan package, per PNC guidelines, contained over XXXX pages of information.
Navient is not processing my requests for a copy of the promissory note for a student loan. 
I requested over the phone from XXXX XXXX ID Number XXXX that she send me a copy of the promissory note on XXXX XXXX, 2017. I called back later on XXXX XXXX, 2017 and talked with XXXX in the Office of Consumer Advocate. XXXX told me that the request I made on XXXX XXXX was not processed. So I asked XXXX over the phone to process a request for the promissory note on XXXX XXXX of 2017. I have not seen a copy of my promissory note from Navient yet in the mail. I called back on XXXX XXXX or XXXX and spoke with XXXX XXXX in the Office of the Consumer Advocate to see if that the promissory note request was processed in the computer and XXXX XXXX confirmed that the request had been made. I still have not seen my promissory note in the mail. I want a written explanation as to why Navient will not send me a copy of my promissory note to me. I hereby request through this complaint on XXXX XXXX that Navient send me a copy of my promissory note through certified mail. Thank you. If you do not honor the request made by phone on XXXX XXXX, then you need to send me an explanation as to why you will not honor that request. If you do not honor my request today XXXX XXXX XXXX, 2017 ) through this complaint filed with CFPB, then you need to send me an explanation as to why you will not honor this request for my promissory note. Thank you.
I recieved a phone call from the collection agency stating o owed {$500.00} from when i was in the hosp on XXXX for a XXXX.The only bill i ever got was for {$250.00} for the XXXX, which i paid.That was the ONLEY bill i got.All other bills were paid by XXXX XXXX or Va ( veterans adimistration ) .The last time i talked to the collection agency was XXXX when i was on vacation in Az , i told them i would be back home in XXXX and to send me a copy of the bill i owe but to this day i have NEVER recieved a bill from no one for that {$500.00} dollars.
I requested a debt validation with a formal letter around XX/XX/2018 after I received a letter from this debt collection agency with no valid proof that it was my debt. The bill is in the amount of {$190.00} for a credit account.
XXXX is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the XXXX billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them inXX/XX/XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with Experian 3 times and XXXX  2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full. 
Please note that my husband and I have a different XXXX  secured credit card with a limit of {$300.00} that is joint ownership.
On XX/XX/XXXX and application for a Capital One credit card was processed. This was done by my ex husband without my permission.

Upon finding out about the accounts existence and how it could negatively affect my credit, on XX/XX/XXXX, I immediately contacted Capital One and requested that the account be closed.

The account was never paid late and it's current status is " Closed ''
XXXX Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( TransUnion, XXXX, and XXXX  ) in  XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.
I am a member of PNC Bank and on XXXX XXXX, XXXX I noticed that there was a {$7.00} fee classified as a calculated service charge on XXXX/XXXX/XXXX. I called customer service and was surprised to find out that my account terms that I had opened XXXX/XXXX/XXXX had changed XXXX/XXXX/XXXX. The bank only notified me of the change by inserting the change on XXXX XXXX, XXXX online statement that I had overlooked. There was no notification that the terms that I had agreed to had changed by mail, branch, email, or phone. No separate notification or message through the online banking system. I feel that they should have tried more or sent out notifications or text message. I was charged the {$7.00} fee 4 separate times out of 6 months. The bank agreed to waive the fee twice. So I am out a total of {$14.00} plus the time to call them to straighten it out and file this complaint online.
I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.