WillisBack/dataset-financial-user-claim huggingface dataset:
jh portfolios re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with XXXX ..., XXXX and XXXX deleted it ... XXXX has not
Last year I refinanced my mortgage with the bank that was servicing it M & T Bank. M & T Bank had bought the servicing from XXXX. I was very careful to make sure the new account number got on the Bill Pay I use from my XXXX XXXX checking account. M & T claimed they did n't receive the very first payment after I refinanced. After many calls and submission of payment information I ended up in a XXXX way call with XXXX XXXX and M & T before M & T went back and found the problem. I was told the payment somehow got posted to an internal M & T checking account instead of my mortgage, which is why they could n't find it since they were only looking at the mortgage accounts. This has happened XXXX times in a row now. The way I have fixed it the last XXXX times was to call the lady at M & T who solved the problem the XXXX time. They are after me again for a payment I have already made calling me on a Saturday at XXXX. My fear is if I lose my contact at M & T ( the lady who cleared it up the first time ) I will have to deal with incompetent people who have no clue. It 's in my account record what has happened in the past. Does n't it seem logical that they, number 1 fix the problem so it ca n't happen again and 2 if it does happen again, check to see if the error just might be on their end?
An offer was submitted in late XX/XX/XXXX for {$280.00}, the Building and safety conducted an inspection and found multiple substandard issues with the property and issued a substandard lien. The cost to remove the substandard lien was Estimated by a Licensed XXXX and factored into a revised purchase offer addenda for {$250000.00}. after a complete submission the lender countered back with the same amount of {$280000.00}. after more research it was discovered that the last XXXX conducted was on XX/XX/2016 for an amount of {$260000.00} This seems to be going nowhere and they are not very good at returning either phone calls or emails.
I got a private student loan for my first and second year of college with Sun Trust Loans. my first year I took out XXXX with a fixed rate and my second I took out XXXX with a fixed rate. For my first loan I planned on paying the interest while in school. My payments started out pretty low and kept getting higher and higher when finally it got to {$370.00} in a month. This is something that I did not agree upon and was not in the payment plan in our contract. I kept calling and saying that I was in school and ca n't afford those payments and that was not agreed upon. After numerous calls and being late on payments, I am behind by 500 plus dollars. Finally I called again and a gentleman answered and had said that it was not on record that I was in school, so I was paying the payments that I should be paying when I am out of school. I have already payed them over 2,000 dollars in my second year of school. The man said that it would take 2 weeks to process, but I 'm still not sure if my payments will be lower. This has caused me fianancial stress and I have had to have XXXX jobs while being a XXXX XXXX XXXX. I had also a call by a debt collector and she made me give them my credit card number to make a XXXX dollar payment. Please I need advice or help to see if this is even okay for a loan company to do. Anything would help!
I had a mortgage through Residential Credit solution for the past three years I continually sent information to have our mortgage refinanced. They not only gave me the run-around they continued to put are home up for a Sheriff sale. In the past three years we have put {$30000.00} on our mortgage only now we owe more money then what it was owed. XXXX continually to refinance stating that we did n't give them all the information which was not true they just continually gave us the run-around only XXXX have the company shut down and we come to find out that they done this to other people this company stole from us lied to us and all we want is that money credited properly to our account.
I was contacted by the firm of Robinson , Reagan & Young ( RRY ) regarding a disputed debt with XXXX XXXX. In their letter dated XXXX XXXX, 2015 RRY indicated that they would not submit negative information to a credit reporting agency about this credit until after 30 days had expired. I was notified by a credit monitoring service that RRY filed a collection notice with XXXX on XXXX XXXX 2015 ; with XXXX on XXXX XXXX, 2015 ; and with XXXX on XXXX XXXX, 2015. RRY failed to follow the terms of their letter and provide me with 30 days to contact them before reporting to the credit reporting agencies.
The company Navient has continued to call multiple times a day. I have let them know that we have filed a forbearance and that the loans are being consolidated with the Department of Education. i have been polite speaking with these people but i have now explained the situation 4 times and they continue to call.
PenFed artificially inflated at least XXXX fee it charged me to pay off my mortgage. The payoff statement ( attached ) listed a {$48.00} " release fee. '' No such fee had ever been mentioned in my loan application or loan agreement. When I questioned that fee, PenFed said it was a County-imposed mandatory fee. My own research revealed that the County 's lien release fee is actually only {$41.00}, and that I could submit the request and pay the County directly. See XXXX and attached excerpt. So I told PenFed to send me the Certificate of Satisfaction and I would handle the release request. XXXX refused, and insisted I pay the entire {$48.00} before my loan would be considered paid off. I paid it to prevent PenFed from dragging out my payoff ( and holding my credit hostage ) any longer, then sought a refund from PenFed. PenFed refused. Inflating fees for bogus services associated with mortgage loan payoffs seems an unfair, deceptive and abusive practice. 

XXXX
I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over XXXX inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being deceased. XXXX had many security breaches and this bureau was assessed along with Transunion. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you
Progressive Finanical calls up to ten times a day or more. They call from several different numbers and states, including the XXXX XXXX. The calls start before XXXX and do not stop until after XXXX.
I can not sign into my online account so that I may manage my credit card account. I have called the credit card companies Customer Service department many times in the last 2 months and my issue is still not resolved and they will not give me any kind of timeline in which it will be resolved or what they will do to resolve the issue. I do not feel safe using my credit card if I can not track my account online myself.
A credit card account, previously charged off, was settled with XXXX XXXX as agreed. [ See attached letter from XXXX XXXX ]. XXXX XXXX has requested that credit bureaus do update this account to reflect that no balance is owed. 

Despite XXXX XXXX request, XXXX XXXX and Experian have refused to do update this account. 

I am requesting that XXXX XXXX and Experian update this account to reflect a balance of zero since the account has been settled and nothing is owed.
in 2016, i went to XXXX XXXX and open a XXXX account. Right after i got home, my wife told me to return it since she already open a second line for me under her plan. I returned the same day to XXXX XXXX and returned my phone plus cancel contract. I was told by XXXX XXXX, I had 7 days to change my mind and return the phone which i did. Now, comes to find out, several years later, i got a collection notice and account reported in all credit bureaus that i owed XXXX {$890.00}. They sold a fraudulent account to a collection company. I went back to XXXX XXXX and dispute with them. They said that they have cancelled my contract and that my account should have never existed with XXXX. I did not even have my phone or account with XXXX for even 24 hrs. XXXX XXXX reassured me they will take care of it. I have disputed that this is not a valid debt to the collection company but still got denied. My english is limited and I feel XXXX took advantage of it and never cancelled my account which i took back within the same day. Please help me as I have been denied credits and humiliation from this.
on XX/XX/2016 as we were closing on our house our credit was pulled one last time and we found out a account was opened at Best Buy by someone who stole our info while applying for our home loan someone associated with our lender took our info and applied for a Best buy card. We called Best Buy they researched it the people bought thousands of dollars worth of merchandise they maxed out the account they opened and Best Buy acknowledged it was fraud and not us who opened the acct. We asked the account be closed and not be reported on our credit. We found out the name and social didn't even match to us yet this showed up on our credit report and we have been trying to get it off since XX/XX/2016 with no luck. Best buy tells us to contact the credit bureau which we have disputed this on our report a few times. The credit bureau says to contact Best Buy to have it removed we have and still it remains on our report.
While I was overseas I became a victim of identity theft. The following inquires were not authorized by me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I am a XXXX XXXX XXXX  Veteran who began experiencing hardship in XX/XX/2018. I contacted the sub-servicer of my mortgage ; Dovenmuehle Mortgage in XXXX to request assistance. I had missed the XXXX and XXXX payments. 
Since then, I have repeatedly attempted faxed and/or emailed my documents to Dovenmuehle and have been given incorrect information, different people to speak with, and received no help whatsoever. 
What started as 2 missed payments has turned into a default and now a trustee sale because of this. I am consulting with an attorney to file a civil complaint if I can not resolve this. 
I have attached a timeline with dates, names and numbers in support of this complaint. 
XXXX XXXX XXXX XXXX, XXXX is the master servicer of my VA loan
in XXXX 2011 Wells fargo took {$320.00} from my checking account for an over draft from another checking account that was over drawn, SinceI only had 1 account with wells fargo I protested and was denied any satisfaction. several months later the same thing happened with {$190.00} in my checking account and so forth, every time I deposited oney, I verified with bank there was no over drawn account, it was clear, several days or weeks later it would happen again. Finally we found out there was a 2nd invisible account tied to my checking account that was accruing overdrafts to the tune of {$1400.00}, the account was never closed and kept accruing charges, I paid nearly {$900.00} towards these charges before the bank manager closed the account. then several months later i was being served for debt in the amount of {$720.00}, whereas I was found liable and scheduled to pay this amount, I was able to pay approximately {$380.00} of this afterwards due to a XXXX I was no longer able to work. All told Wells fargo took around {$980.00} from my checking account and an additional {$380.00} from the judgement. I still do n't know if the account is actually closed or not, I can not get a straight answer from Wells Fargo.
In XX/XX/2011, I developed a XXXX and found myself in numerous XXXX. In every case, I asked if I would be held responsible any costs of treatment. I was told that I would not be liable for medical services, the main importance was that I receive the proper medical care for my XXXX XXXX. I just discovered that those hospital visits have been deferred to eleven collections agencies. My credit score is now terrible.
I C systems has reported a medical debt from the same event as XXXX multiple occurrences listed as derogatory marks on my credit report. This debt should have been paid by my secondary insurance at the time was not aware of any balances would arise.
On XX/XX/2018 I was having issues trying to make an international transfer through MoneyGram online services. After several attempts, the transaction finally went through taking the agreed sum of XXXX {$71.00} from my debit card. Without prior notice or security verification of any sort, I received an email from Money Gram that the transaction had been cancelled and I should wait 3-10 business days before the amount will be credited to my account. 

I contacted their customer service line who transferred me to the Online Department, which told me that it was as a result of security concerns. I enquired why such a drastic measure without any notification or request for verification or something. I was notified it was their policy and that was that. I then asked to be transferred to another level which was their Escalation Department. I spoke with a XXXX who could only give me the same information and could not escalate my call any further. 

The main issue I am having is that if there was a security concern, why not instead freeze the transaction and in the same way, send an email to say I need to call Money Gram to verify or why not put a verification system in place. It was very rude of them to ruin my business without any sorts of prior contact or anything. I had to make contact with them after receiving notice that the transaction had been cancelled. This is bad business practice ; they had no problems withdrawing the amount but now because of " laws '' as they notified, I am now left to suffer waiting another 3-10 days before I can put that money to use again. 

The only means by which to make a complaint as I was notified by XXXX from Money Gram 's Escalation Department is to leave a note on the " contact us '' page of their website and wait 48 hours to be contacted for a mishap I never did but is being severely punished for nonetheless. They had no real sense of urgency for the inconvenience it is causing. 

What recourse do I have as all I had really needed was for that amount to have been transferred today but Moneygram is instead stuck on procedures that does not benefit the needs of the consumer.
I submitted information to all 3 bureaus about bankruptcys on my report and XXXX and experian have not followed suit abd XXXX removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also XXXX has continued to update and afe accounts that were closed! Like XXXX XXXX  which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX  car6d and XXXX XXXX
I paid XXXX XXXX ( XXXX XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.
OnXX/XX/XXXX, I logged into my WELLS FARGO Online portal to utalize the XXXX money transfer feature. I was trying to send {$580.00} from my WF savings account to myself via my telephone number as the recipient. This was the first time I had tried using this option to send money to myself. After completing the transfer I realized there was an issue because I did not receipt an alert on my phone number indicating that I have money received. I called WF immedietly to figure out what was going on. The money had left my instantly yet it had not come to my phone as an alert. I panicked as WF told me theyd have to open a case claim that could take 10 days. I kept calling them every few days and I was concerned and unsatidfied by their response. They claimed that the funds went to someone that had my phone number formerly registered to them yet the name on the transfer did not match. Then WF told me that Im basically XXXX  and that theres no way to retract the funds back and that Im left without any resolution of getting my money back. Im very irate at Wells Fargo and at their lack of due dilligence in trying to protect their customers funds. There should have been a third step in verifying the transfer. The manager whom I spoke to told me that this happens all the time with customers. That is extremely alarming and concerning given that telephone numbers are recycled all the time. I have had my number for approx. 5 years so I am completely still confused as to how this happened and the fact that I have been without this money for over a month now.
I received a phone call at my place of employment from someone who identified them self as a XXXX XXXX at XXXX who was trying to collect a debt. This is the first contact I have had with this party and have received no mail etc I do not know the name of the company and I have no address to send a letter to request a verification of said debt. I do not want to be contacted by phone at work or at home and would prefer email contact. I need verification of said debt and original creditor and any supporting documents.
I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to TransUnion. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
I received a credit alert that someone opened a new credit card in my name fo r BP gas stations.  I previously had a card for this back in high school, but this was closed years ago ( probably around 2011 ). It was recently re-opened and sent to my parents house, despite there being no request for a new card. As a result, my credit score has been lowered and it now shows I 'm carrying debt related to my parent 's credit card.
I received a telephone call from a XXXX XXXX XXXX representative in regards to XXXX credit card account : XXXX. I was asked by the representative did I apply for a XXXX credit card account. I informed the representative that I have never applied for a XXXX credit card account, someone stole my personal information and identity, applied for the XXXX credit card and has been impersonating me for years. I am a victim of identity theft and has been a victim of identity theft for 11 years. I have never ever applied for a XXXX credit card account. The XXXX credit card account : XXXX do n't belong to me.
I am writing to inform you I have been a victim of identity theft/fraud and many of my accounts were compromised without my consent. Someone form your company Carter Young Inc. acc # XXXX contacted me about a alleged debt that showed up on my XXXX credit report. Date XX/XX/XXXX amount XXXX . I sent a certified affidavit to XXXX and the company Carter-Young Inc, disputing the alleged debt. I did not authorize the account, and on my credit report says " JOINT '' account and I did not have a contract with the company Carter Young Inc. As stated above I have been a victim of identity theft. I also provided proof with a police report and didn't get a response from the company. I am requesting that the following account be removed immediately from my credit report.
My credit reports are reporting the incorrect employer. I received an alert on XXXX/17 that I work for " XXXX XXXX '' and that is not accurate. My employer has already been reported and the correct name is XXXX XXXX.