WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to process a shortsale. My client lost their XXXX year old son in their home and want to move. The buyer is pregnant and wants the house. My client as a result of Chase delay in this matter is not receiving the HAFA relocation fee they claimed last year the house was worth more but a subsequent dispute revealed that the price of the home was correct on the contract. They ask me to remove HAFA because deadline was XXXX/XXXX/15 which expired because of the banks handling on this matter. Now we have been waiting for months on what is the THIRD CONTRACT ON THIS HOME because CHASE needs to confirm that CHASE XXXX mortgage department filed a lien release. The delay in this matter has been extensive. My clients need money to move and this entire ordeal has been a debacle.
I opened an account with Commerce bank. My initial deposit was for the amount of {$450.00}. I then made a second deposit for {$200.00}. I wrote a check for {$90.00}. and one for {$270.00}. and made a withdraw for {$100.00}. Thats a total deposit for {$650.00}. and a total withdraw of {$460.00}. Leaving a balance in the account of {$180.00}. But then the bank decided to shut off my debit card and not allow me access to my remaining funds. I called them to find out what the problem is but the customer service girl just kept repeating that it was at the banks discretion. It does n't make any sense to me.
Our mortgage was purchased by Freedom Mortgage in XXXX of XXXX. In XXXX of XXXX, we made an extra " mortgage only '' payment that was incorrectly processed by Freedom resulting in interest and escrow being deducted from the extra payment. I discovered the error in XXXX, XXXX and are still trying to get the situation corrected with confirming documentation from Freedom. In addition, in XXXX of XXXX we received notification that our escrow account was deficient {$440.00} and we could pay it in a lump sum or they would increase our monthly payment by {$39.00} for the next 12 months. We submitted the {$440.00} payment, but they incorrectly allocated that payment and instead increased our monthly payment. Over the past 18 months they have increased and decreased our monthly payments without cause or notification. Freedom has been difficult to contact, as you typically speak to a different customer service representative each time you call and must re-explain the situation each time. The escrow department is not communicating with the payment department, hence incorrect information is being used for analysis. I have been dealing with Freedom on these issues for 4 months, but there is no urgency to get the problems created by Freedom Mortgage resolved quickly.
All people are the same. In XXXX, I purchased XXXX used cars The first down payment was XXXX, the Toyota loan, interest rate was 15.89, the monthly payment was XXXX, 72 months, and the full payment was XXXX, which was higher than the price of buying new cars. .. XX/XX/XXXX trailer This company dragged the car, I looked for two months, went to the trailer company twice, saw the car, but did not let me get my things back, my tools in the car, not On a fair loan, I bought a car and the dealer actually gave me a budget statement that deceived me as a contract and mailed the contract to my house within a few days. Does the Toyota creditor operate credit? Given that the maximum loan interest is 16, Toyota Credit gives me 15.89 interest, is it now a law to maintain a dealer like Fraud Robbers? To provide 2 to 5 interest rates for local residents, I read on the Internet every day and can see Fair loans, regardless of race, so I am a fair loan? The discrimination against me is that XXXX people do not speak English and English pays more than my credit. Credit companies fraudulent loans. As a result of future generations, I definitely Do not recognize such credit companies, for those who have a wealthy and poor value, laborers, how the labor force repays this unfair loan. Legal, legal, legal, all people in the world must abide by and believe, fair law, I beg you to have the rights and the law enforcement person to help me escape this dilemma.
On my  XXXX  report I disputed   XXXX   XXXX   account for {$380.00}. I paid the original creditor AAA on  XX/XX/XXXX  in the amount of {$310.00}. The original creditor AAA shows my account as a   XXXX    balance. I called everyday from XX/XX/XXXX  through  XX/XX/XXXX  to check the status of getting this collection account removed. I spoke to   XXXX    who escalated my account to her supervisor to email   XXXX   XXXX    that my account balance is  XXXX .   XXXX   XXXX   claim they have n't received any notifications from AAA. I spoke to an  XXXX  supervisor  XXXX   XXXX  ext  XXXX  who claims no email has been sent and that he verified the account and the balance is still owed.  XXXX  from AAA is adamant that her supervisor sent over the email to  XXXX  and that the balance is  XXXX . This collection account was added to my   XXXX    report as of  XX/XX/XXXX .
My fraternity dues ' debt was sent to Parson Bishop for collection, though the amount they are stating is incorrect. They are saying I owe {$650.00} when I have an e-mail from the original creditor stating I only owe {$290.00} for the XX/XX/XXXX semester. They are charging me an additional semester ( XX/XX/XXXX ) for which I was already terminated and did not take any part of. My debt was recently reported on my credit and dropped my score over XXXX points. I was unable to pay before because of my low income, but have recently deferred my student loans while I get my XXXX, and plan to use those funds to pay off my debt.
This company has re-aged the debt in an attempt to continue to collect the debt after the statute of limitations has passed. The debt was originally delinquent as of XXXX XXXX, and was incurred in Nevada which has a 7 year statute of limitations. This debt was slated to be removed from my credit report as of XXXX XXXX. In XXXX XXXX this company changed their internal account number for my account and changed the date of first delinquency to XXXX of XXXX, and now the debt is slated to be removed from my credit report in XXXX of XXXX, another 7 years. This is affecting both my XXXX and XXXX credit reports. I have filed disputes with both XXXX and XXXX, but when they confirm with the collection company, the collection company falsely represents the debt as current, and it has not been removed from my credit report. I have copies of old credit reports from XXXX  and XXXX which shows the correct date of delinquency. 

Please help me remove this from my credit report, and punish this company for their harmful illegal tactics.
I have been receiving telephone calls on my mobile phone from American Accounts & Advisers ( AAA ) out of XXXX XXXX Minnesota. Today someone who identified themselves as " XXXX XXXXXXXX '' called my mobile asking for someone else. He proceeded to tell me about how they did not have a good number for this person and " thought they would call me ''. I asked why he would call my cell phone when I was not this person. He again said " we do not have a good number ''. I asked if I was listed on the account as a contact and he said " no ''. I asked him " then why are you calling my cellular phone '' and he said he had a personal business matter with the person ( and again gave their FULL name ). I asked if it was a collection and this was " skip tracing '' and he said " yes '' - illegally disclosing that this was a collection. He then ended the call without allowing me the chance to get a word in edgewise to tell him not to call my mobile number. I called back and he would not answer the telephone. I called the company and asked for the supervisor ( who turns out to be the owner XXXX XXXX XXXX but he also would not answer the telephone. 

I have been in contact with the person they are calling MY mobile number for and have been disclosing information about and let her know what happened and the violation of her rights that has taken place. Needless to say, she is irate and plans to take action herself as well.
There are things on my credit that should not be on there. I had my wallet stolen and my information was all in there and now i have things that are under my name that was in my wallet that needs to be disputed with the creditors and taken care of immediately because of it damaging my credit.
OnXX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with Capital One Auto Finance to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter onXX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX XX/XX/18 proving I tried to dispute the account XXXX  received and signed for the letter XX/XX/18. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but Capital One is when XXXX XXXX XXXX bought the account. How is Capital One still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
The address indicates on my background report is incorrect on date XX/XX/2017 in XXXX county which I never live there.
Hello- The is regards to a wire transfer sent from my account at Huntington Bank XXXX On XXXX/XXXX/XXXX I initiated a wire to XXXX XXXX XXXX via XXXX XXXX XXXX. I received a phone call on XXXX/XXXX/XXXX advising me as follows. I have a recorded transcription of this as well. " This is XXXX from Huntington bank and I am calling about the wire on the XXXX for {$2400.00} this wire was going to XXXX to XXXX XXXX XXXX they are unable to apply these funds stating that the beneficiary name is incorrect. we are requesting these funds be returned to us, if you have any questions please call us at XXXX reference # XXXX " I called on XXXX/XXXX/XXXX and was advised that the beneficiary did not receive the funds and would NOT receive the funds as a recall had been initiated. I subsequently initiated a wire in the same amount of {$2400.00} on XXXX/XXXX/XXXX under the auspice that my original funds had not been received by our vendor. 

I was advised to call back in a week and check if the funds from the 1st wire had been credited back. When I called back I was advised that the funds from the first wire had not been credited to the XXXX XXXX XXXX, and that Huntington was waiting on XXXX XXXX and XXXX XXXX XXXX to return the funds. I was advised that this process can take up to 30 days. 

I continued to call in weekly and check the status of the {$2400.00} from my original wire that Huntington repeatedly advised me was not received by the beneficiary. And was told the same thing each time. Nothing to worry about. Recording of all these phone calls should be available. 

Finally on XXXX/XXXX/XXXX I received a phone call from Huntington bank, XXXX in the wire transfer department. in regards to the recall request that was sent on XXXX/XXXX/XXXX. There is a denial from XXXX XXXX XXXX to return the money. And we are considering this case closed. Please contact the beneficiary for any further information. reference # XXXX I am requesting my original wire of {$2400.00} be credited to my account immediately by Huntington Bank. I was repeatedly advised throughout the process that the money would be coming back to me and the beneficiary never received the money only to be told 30 DAYS later that the beneficiary in fact received both wires and was refusing to return them. 

The communication breakdown in the wire system with Huntington Bank is unacceptable and fraudulent. They repeatedly advised me no further action was necessary and " not to worry '' all while the stood idlely by doing nothing to recall the original funds. There wire process and wire department needs to be investigated throughly so this does not happen to customers in the future.
I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and XXXX and Experian credit reports.
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They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
CMRE Financial Services just popped up on my XXXX XXXX XXXX, that i owe them {$210.00} for a medical service in XXXX of XXXX. I am a 100 % sure that I do not owe them any money at all. I am outrage by the face that this company is committing fraudulent activities on my credit account. I have done my research and a lot of people are being scammed by this company.
West lake financia had this item on my credit report as inaccurate. I have been disputung this item on my credit for 3 years now and they will not remove this negative item as not being my account. I have never purchased a vehicle using this company. The information that was presented was not my signature, address or do they have a copy of my license being submitted.
I have hired a company to resolve this and they have not been able to do so. XXXX XXXX has reported information correctly about my payoff. The Credit Bureau is mispresenting the information. There were two late payments because of XXXX 's error. The mortgage was paid in full and closed in good standing.
Upon refinancing my mortgage, the servicer incorrectly reported it as a short sale. It was always paid as agreed, never late, and paid in full.
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 XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$490.00} done on my card by XXXX charged on XXXX/XXXX/2015. They contacted me by an unsolicited telemarketing phone call.XXXX is a " leads program '' where they call you up and act as " your coach '' to convince you to buy " leads '' of a list of people who are supposedly " targeted leads '' who wish to be part of an online work from home program ( though you do not know if there is actually a list of leads you purchased ). You supposedly get a commission for each person on the list you bought who joins the scam.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 and get my refund but they ignored my requests.
XXXX XXXX XXXX SS : XXXX XXXX XXXX XXXX XXXX NY XXXX TOYOTA MOTOR CREDIT A/C XXXX ( XX/XX/2015,XX/XX/2015,XX/XX/2015 XX/XX/2015 ) late payments reporting.

I had made all payments on time trying to resolved late payment issue with Toyota, they keep denying it i feel like hopeless and its effecting my life.i am in contract buying house and won't to be able to get mortgage because of this late payment.

Attaching Credit reports.
I was in Jail at the time that this loan was taken out so i do n't know how I am anyway liable for this.
For the past few months, I have been receiving unwanted phone calls from " XXXX '' at Gateway One Lending. If I answer the calls, there is a short pause followed by a recording by " XXXX '' stating that she must contact XXXX XXXX immediately. She leaves the following contact number : XXXX ext XXXX. I am not XXXX XXXX ; nor have I ever know a XXXX XXXX. My wife and I have now returned the call twice. The first time I was told by the representative who answered that she could not find my phone number in her system and that I should answer when the phone rings to tell XXXX ( or whoever is calling ) that I am not XXXX XXXX and request that my number be removed from the files. When I answer the calls, there is not a real person on the line, just a recording by " XXXX ''. Today, my wife returned the call only to be told again the representative answering could not access the files to delete my number. My wife then spoke to a " supervisor '' who could do no better. She did offer to leave a message for her supervisor and promised to have the problem rectified in a day or two. Frankly, I do no believe that will happen so I have decided to report this harassment. My next step will be to contact an attorney in an attempt to sue for the unwanted calls. I am on the " do not call '' registry.
XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.
I have tried to see a copy of my credit report from the XXXX XXXX XXXX  website. XXXX, experian, and XXXX all would not show me my report.
Hello, Citibank currently currently owns my loan with the following account number : XXXX.The loan has been discharged and I am currently making payments to XXXX XXXX XXXX ( as the attached paperwork will show ). 

Unfortunately Citibank is still reporting missed payments even though the loan is being serviced through a debt collection agency. I have attached my most recent consumer credit report as well as my payment history from XXXX XXXX and the response that Citibank had sent me when I initially challenged this -which you will find in the previous case. 

Citibank claimed they are not reporting on my credit which is'nt true, Citibank reported I filed for bankruptcy which isnt true, Citibank stated they sold my loan which they didn't I need to have these payments removed from consumer credit report and an updated letter from Citibank stating their intention to do so.Any help would be greatly appreciated
He called from this number : XXXX and He started telling me, that I owed {$1000.00} to a credit account I had over 10 years ago, and this account was paid. The statute of limitations is up therefore He has no legal right to try and even attempt to collect a debt in New Jersey. He also said ; I opened a account with XXXX XXXX and that has nothing to do with what he's suppose to be trying to do. 

He also said ; I had 2 judgments on my report and I don't and He wanted me to send him the {$1000.00} ; He also said I was embarrassed, He was very threatening too.
This Complaint involves Fifth Third Mortgage Company. My name is XXXX XXXX, and I am married to XXXX XXXX, and we lived at XXXX XXXX XXXX XXXX, XXXX, Illinois. XXXX XXXX suffered from XXXX, and I had an XXXX which prohibited XXXX from entering the house. Fifth Third foreclosed on the house and did not notify me. Then Fifth Third evicted me from the house. During the mortgage foreclosure proceeding, Fifth Third knew that I was married to XXXX and that I was living in the house. Because of Fifth Third, I have no home to live in.
This company closed my account and then re-opened it up without written consent I was not notified they opened the account back up I have proof the account has been closed and no written notice was sent to me. 
I have been disputing this company regarding the debt for months. I have asked them to validate and verify my debt. 
Perhaps thats why this has happened. 
But its a direct violation of my rights
I received at least 2 calls per day including Sunday ato different times as late as XXXX
Key Bank credit-card customer service stated XX/X/17 my card had been "blocked" - that a "block" had been put on my credit card but could not explain why and/or the reason for this. Key Bank credit-card customer service also stated that in order to receive my new credit card (with new expiration date etc.) I must pay my entire overall balance in full.
Experian is reporting inaccurate information on my credit report in regards to XXXX. XXXX has failed to provide any verifiable evidence that I owe them anything ( see your own investigation notes Case number : XXXX ). The credit bureaus legally has to investigate within reason a dispute. Claiming that the company verified the account information simply by responding with " verified '' is not enough to keep reporting inaccurate information. And although credit bureaus can report unverified, false information, they are liable for the information they CHOOSE to keep reporting.
XXXX XXXX is trying to collect on an account that does not exist. It has been confirmed by XXXX XXXX that I am not responsible for the debt.
Please remove this from credit report. This item is past statue of limitations according to the state of Georgia.
Recieved several threatening phone calls to my mother 's phone 's and mine from  United Recovery Services to contact them or they would garnish wages and contact by Human Resources depa rtment. When requested written verification of debt by mail nothing was never received by mail or reported to any of the credit bureaus.
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that. So, if the debt is simply too old to collect, and the fact that XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
I have been disputing with Transunion, XXXX, XXXX on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. They send me back a letter that the accounts have been verified and certified. I don't believe that they have been disputing. The 3 accounts with XXXX  have serveral inaccuries Balance amounts, Status, Amount past due These accounts have 3 different amounts and statements on the 3 credit bureaus. How can that be right when they should all be reporting the same information. I have the letters were XXXX sent me that the accounts are 0 deficiency amount. The 3 accounts are Repression 's from XX/XX/XXXX and are still reporting late payment days.
I have had 8 years of identity theft on my credit reports. They took off over XXXX accounts and XXXX inquiries. They will not put my credit score where it was. It was in high XXXX. I worked hard on my credit and had no late payments. Can you help me fix this.