WillisBack/dataset-financial-user-claim huggingface dataset:
I have written the credit reporting agenecies Transunion and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX MANAGEMENT that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX XXXX and Transunion ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.
VOLUNTARY REPO OF A CAR BY XXXX. They falsely state their terms of their loan. They sold the car for {$700.00} and want me to pay almost {$10000.00}. XXXX and XXXX XXXX has deleted from my credit report but it still remains on XXXX. They are also in violation of the arbitration clause.
I recieved multiple calls from a CMRE FINANCIAL SERVICES before XXXX and after XXXX CT on multiple occasions as well repeated calls to relatives from XXXX XXXX. These appear to be from CMRE FINANCIAL SERVICES.
I have paid the debt owed and I was told the account will be removed from my credit credit report.
Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me.
I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by XXXX charged on XX/XX/2015. They contacted me after I clicked an ad for a " work from home '' business opportunity from an email. They offered me leads, advertising, increase traffic to my website resulting in sales. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.
on  XXXX / XXXX /   17  i received an escrow account disclosure indicating a shortage of {$3300.00} from PennyMac loan services.   The notice indicated that i had to pay immediately or the amount would be added to my mortgage.   On  XXXX / XXXX /   17 i r eceived a notice from my credit monitoring service showing that PennyMac had raised my loan amount from {$150000.00} to {$150000.00}. My latest mortgage statement shows my monthly payment increasing from {$1000.00} to {$1200.00} An increase of {$190.00} which can cause financial hardship to my current finances. I did not agree to any new terms with this company and have been told by their representative that they made an accounting error when applying the funds received from me. I was told that this happened due to increases in taxes and insurance but my insurance cost actually went down and my taxes increased by only {$400.00}. annually. PennyMac has failed to clearly explain what has happened here and violated the terms of my loan through negligence and poor accounting. They have sent disclosures with varying mathematical discrepancies that are so confusing that i cant understand. The amounts they ask for greatly exceed anything i can find in relation to taxes/insurance. My  credit score  has been damaged by them increasing the balance on my loan. PennyMac has put me in a difficult financial situation and now their marketing department is sending me offers to refinance my loan. I have good credit and always make payments on time. I feel fearful and threatened by this company and believe they are trying to force me into a new loan or force me out of my home by nefarious means. I have also contacted HUD/FHA and been unable to get a response from anyone at their national office.  PennyMac  has not followed agreements made between the original mortgage company (  XXXX   XXXX   XXXX   XXXX   ) a nd myself. I have attached the original first payment notification with this complaint.
On XX/XX/XXXX, I tried to payoff my loan on XX/XX/XXXX. I was told I needed a debit card which I replied no because my bank will freeze the payment thinking its fraudulent. I was told by my contract legally I need to provide a debit card. I reread my contract and nothing is mentioned about needing a debit card. Told them if they can not accept my payment ACH like on file they are refusing payment and to stop further deductions. I was told that was no way to stop payments, within my consumer rights I can refuse and take off ACH for any reason! They have also failed to report to my credit agencies of payments maid which I was told they would!
A person calling from XXXX telling from quicken loans called me, I suggested not to go for refinancing now, called my wife and told your husband is ok with the loan from us and your husband has told to take the Social Security Number from you. So we are calling you and provide us ure husband social security number.
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MOVED/NO FORW AVAILABLE, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX
Long story, short ; I originally took out loan from XXXX XXXX XXXX. Secured by auto title. Original loan for around $ XXXX. Made ALL payments on-time. With around $ XXXX left on loan balance received a letter from Green Tree Servicing that they now owned loan. Agreed to continue payments as long as they sent proof they actually had loan. Could not contact anyone from XXXX XXXX XXXX to verify. Made a few more payments but never received any proof of loan by Green Tree. Stop payments. They started harassment campaign. I sent Cease & Desist notification. The reported my loan as " charged off '' and farmed off loan to XXXX XXXX XXXX and they immediately sent proof of loan and paid {$950.00} to resolve matter and they reported as paid in full to all credit reporting service. And sent me back car title. Green Tree still reports loan as a " charge off '' and has reeled havoc on my credit report. Can not close kids college loans because of it. Hired a lawyer to try and resolve with no luck. All of this over a very small amount of money. Craziest thing I have ever dealt with. Even sent them letter I 'd pay whatever they want to just make it go away. They said NO! I 'm 100 % in right from start to finish on this.
In the process of trying to refinance my home in XXXX XXXX, my credit was pulled on XXXX/XXXX/XXXX, and this Real Time Resolutions collection was showing up on my credit, which essentially ruined my opportunity to refinance my loan. 

I sent them a certified letter asking them to provide me with documentation that this debt was mine or that I had any business with them, including any contracts, my original signatures on their documentation, etc. They did not respond, so I filed a complaint with the bureaus. After the credit bureaus got involved, instead of providing the documentation I had requested confirming that the debt was mine or that I had any type of business contract with them, the company just removed the debt from my reports, which showed clear when it was pulled again on XXXX/XXXX/XXXX. 

As I was getting ready to apply again this month for the loan which has a balloon payment due in XXXX XXXX, I checked my credit again, and the same company is reporting the debt again, but now they 're using a slight variation of the original company name. They have again ruined my chances of refinancing my loan, which is due now in XXXX. 

I need this debt removed immediately so I can refinance my balloon payment loan, and I need this company to stop placing this debt on my credit report. I fear that they will wait a few months and again place the debt onto my credit report. 

I am forwarding copies of the credit reports which show the timeline of when the debt originally appeared, when it was removed and the date it showed up again, showing the same debt but with a slight variation in the company name.
I do not know This amount is listed on my credit report three time for three different companies, these companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, for the amount of {$350.00}. The last two number provided on this credit report ends in XXXX. The second recording of this amount, Southwest Credit System, XXXX XXXX XXXX, XXXX, Texas XXXX, the last two account number are XXXX and the third listing on this credit report is XXXX XXXX, this account ends in XXXX for the same amount of {$350.00}.

Please remove these items from my credit report. I have a contract on some property.
The matter is in reference to a XXXX XXXX XXXX ( XXXX ) utility account I held from XX/XX/XXXX XX/XX/XXXX. The account 's final bill was reported to XXXX XXXX XXXX as not being paid. I have attempted ( three times ) to resolve this issue directly with XXXX, yet have received no response from them. While the XXXX electric utility account was in my name, payments were handled by a third party ( a roommate ) who failed/overlooked closing out the final XX/XX/XXXX bill. In XXXX, when the final bill was past due, I did not receive any email, mail or phone notification from XXXX that there was a past due balance. ( XXXX had all of my contact info. ) Therefore, I did not have a reasonable opportunity to fulfill the obligation and make final payment before the account was reported to XXXX XXXX XXXX. In XX/XX/XXXX, I learned of the collection and immediately paid the account in full to clear the balance of {$240.00}. The collection account now shows as " closed '' with a zero balance on my Experian report. Considering the facts of this matter, I am asking Experian to remove the closed/paid XXXX XXXX XXXX account from my credit bureau report.
On XX/XX/XXXX, I had a procedure done with my XXXX in their office. I paid the doctor 's office the amount that was owed to them and my insurance, XXXX XXXX paid their covered amt. I never received any other correspondence in regards to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for {$260.00} from XXXX XXXX XXXX for a lab service for the XX/XX/XXXX Date of Service. Upon opening the bill, it had a completely wrong address for me. I contacted the company and they advised me that my doctor 's office sent them the address and they were advised that this was a self-pay account. That information is incorrect. I provided my doctor 's office my insurance information and they were paid for their services. I then contacted my doctor 's office to confirm what information they have for me and they confirmed the address they have on file is the address where I currently live and have lived since XX/XX/XXXX. I have continued to dispute this collection with XXXX XXXX XXXX and XXXX who handles the billing for this company and they are not providing a satisfactory resolution. I 've sent them a copy of my lease from XX/XX/XXXX showing that the address they have is not my address. I 've contacted my doctor 's office and they have the same information. My final contact with XXXX/XXXX XXXX XXXX was on XX/XX/XXXX and XXXX XXXX who is a supervisor, advised that the mailing of a bill is the only correspondence that they sent and no phone contact was ever attempted by their company and that the address they have " did n't drop out of the sky. '' I feel this is completely unacceptable as I do n't know where they obtained the address that they have on file or that fact that my account was a self-pay account when I was insured and my doctor 's office had that information and had no reason to send this lab anything different. I never received any notice of this bill and would n't have known about this bill as I never visited this lab and was never made aware that they had a bill or claim for me. I sent this company everything that I have including an explanation of benefits showing that my doctor 's office got paid and proof of coverage letter from my insurance covering the date of service. How could I have known about a bill from them if they can state that the only correspondence they sent was to an incorrect address and no phone contact was even attempted?
on XXXX of 2017, central credit service placed a collection on my credit report in the amount of {$2100.00} and i dont know what for.
I have attended XXXX XXXX XXXX since 2009 in XXXX Michigan ( XXXX XXXX Big XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX ), took a break and due to the opportunity scholarship that they promote decided to go back and finish my XXXX Degree. I was informed that I qualified to attend two years free tuition with no payments having to be made. Not even a full XXXX semesters in, I am getting e-mails and calls that I owe {$600.00} plus tuition for each semester. I informed XXXX XXXX that I was set up by a fin-aid representative by the name of XXXX that I would be attending free for two years due to me being a former " student '' and qualifying for the scholarship. She informed me that it was only for XXXX semester and that I now owe {$600.00} plus for a prior semester of which I was supplied with the " scholarship. '' I informed XXXX XXXX that if I knew that I would end up having to pay the upward amount of {$600.00} per semester I would not have attended XXXX XXXX. I feel that I was lied to and manipulated into receiving said scholarship. I am now receiving bills for having to pay unsubsidized and subsidized loans around the mark of {$18000.00} and {$16000.00} respectively. I would like my information to be added to the lawsuit because they are predatory and falsify information to benefit the schools profit.
I have three American Express Prepaid cards and two of them were declined by American Express and I was charged {$1.00} when each card was declined. I have n't tried to use the third card yet. I have called American Express 5 times and was hung up on twice by someone who can hardly speak English. When you call the number on the back of the cards you get an automated recording that does n't provide any options to resolve the problem. You do n't get an option to speak to a human. The two people I spoke to answered two other American Express customer service numbers. Two of the three cards have values of {$50.00} each and one has a value of {$25.00}. American Express gladly takes our money, but makes no effort to all us to resolve issues. I guess keeping my {$120.00} is more profitable than the 3 % they get when I use them. I am going to file a suit in small claims if they do n't fix this.
we were originally trying to do a modification, then a deed in lue to get hafta relocation, our application was never processed for the hafta relocation nor the modification
Hi, I have a XXXX account that was a moved to a business account and was never notified that the final bill was due and was finalized after receiving devices. I never received one notification or warned that this was going to be sent to collection. I returned my devices as soon as the account was closed to a local XXXX department and chatted and called XXXX constantly to get the amount paid off. I even logged in to find my balance but the account was deactivated as the account had been closed. Every time I had to reset my password, the account information was not existance on the account. I have been on an automatic payment plan monthly with XXXX. I then saw the negative mark on my credit score and did n't even know it was XXXX till I had my loan officer send me what it was for. I called XXXX to explain my ordeal on a personal account, they pulled up my number and continue to tell me that I had a XXXX balance, I have a case number for it. They continuously tell me to wait for the final bill and I will be okay as it 's still XXXX and I can't-do anything about it now. I finally get to an account supervisor and she tells me to just do n't worry about it and they have told collections that this should n't have been sent to collections and my balance is in fact XXXX. Then I get so confused because it 's not off my record, and give them my actual account number, which they should have seen in their system instead of continuously telling me it 's XXXX. I then call business number and told me that I have to deal with it through collections now. I then Call GC services and explained to them the situation and that I did not receive any kind of letter or notification of collection and already have paid XXXX. Collections verified it with XXXX account that it has a XXXX  balance, that I already paid it. I should have been notified by XXXX with a phone call the least, after paying them over thousands of dollars for service that they received my phone and that this is a final bill. I did not. GC also should have contacted me by letter and I still have not received anything to dispute the claim that I was notified about the bill.
I have contacted XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/2018 at XXXX and signed for by XXXX ; XXXX XXXX XXXX XXXX on Wednesday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Thursday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Friday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Wednesday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX. 

Unauthorized lates fees per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$27.00} ; 2 ) XX/XX/2018 - {$37.00}. 
Unauthorized Finance Charges per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$70.00} ; 2 ) XX/XX/2018 - {$72.00}.
on XX/XX/2017 I sent XXXX, transunion, XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX, transunion, XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.
Filed CFPB dispute towards XXXX XXXX. XXXX XXXX responded in a timely fashion and stated that they would contact Mandarich Law and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from XXXX which has XXXX 's response highlighted in yellow. 

I have attempted to contact Mandarich Law at XXXXXXXXXXXX and tried to reach via phone.
I have been a consumer of XXXX XXXX credit card for years. I called Innovis Consumer as well as filed a dispute with them regarding falsely reporting that my XXXX XXXX account is closed/charged off. They claimed, as of XX/XX/2017, that they reinvestigated it and status did not change. I called XXXX XXXX and complained about them reporting my credit card as charged off. XXXX XXXX assured me that they did NOT report that my card is closed or charged off nor is it deliquent. XXXX XXXX also sent a letter stating the same thing-account IS and ALWAYS has been, in good standing. Innovis did not and can not provide me with the name, phone number and address of the PERSON, not computer, that told them the account is charged off as of XX/XX/2017 for {$690.00}. My card continues to be active and in good standing. Innovis 's failure to accurately report to all major credit bureaus has caused XXXX, stress and financial hardship. Denied credit increases and cell phone purchase due to the recent error it reported. Calling and sending letters to Innovis has fell on deaf ears. XXXX XXXX continues to advise that the credit reports are wrong ... but I am stuck in the middle. Innovis Consumer has caused harm to me financially, with their failure to really pick up the phone and verify information. Clearly there is a computer glitch that no one has the time to correct, at my expense!
A foreclosure Lawsuit was filed against the Borrower on or About XXXX XXXX, XX/XX/XXXX. The Borrower was defaulted from her loan because of several mistakes made by her servicers during various transfers of her loan to XXXX another. 

As a result of their mistakes they stopped accepting her payments and defaulted her. On or about XXXX of XX/XX/XXXX, The Borrower was granted a loan modification trial period by XXXX XXXX following a complaint to the CFPB. 

Immediately upon granting The Borrower a loan modification, XXXX XXXX sold her loan to Selene Finance. Because of the transfer, approximately two months passed before The Borrower was able to make loan modification payments. 

On or about XXXX of XX/XX/XXXX, The Borrower completed her trial payments. In XXXX of XX/XX/XXXX Selene Finance mailed out the final modification packet, and The Borrower immediately signed it and returned it. ( See attached correspondence and loan mod documents ). 

The Default is resolved and settled. The Borrower has continued making regular payments on her loan, and the foreclosure case should be dropped. There is no longer any default. However, Selene Finance has failed to instruct its counsel to dismiss the foreclosure case, and has instructed them to proceed with the litigation. ( see attached documents ). 

Trial is scheduled for XXXX XXXX, XX/XX/2015. While Selene finance has outstanding customer service, their legal department is sluggish and takes months at a time to update their files, complete documents, or instruct their attorneys. 

The Borrower is in her mid XXXX and suffers from XXXX. She is undergoing a lot of stress and fears that the Court will take away her home despite her settlement with Selene Finance.