WillisBack/dataset-financial-user-claim huggingface dataset:
XXXXXXXX XXXX  Acct # XXXX should no longer report on my file. All of my previous reports showed that this item would be removed from my credit report by XX/XX/2018. 

My current online reports now shows that they have removed that date and thus have re-aged this item. 

This reaging is a violation of the FCRA. 

Enclosed is print screen copy of my report from XX/XX/2018 showing the " On record until date of XX/XX/2018 ''. Also enclosed is a print screen copy of my current report no longer showing a remove by date.
Select Portfolio Servicing has not given me proper credit for payments on my mortgage for the XX/XX/XXXX and XX/XX/XXXX.I sent in {$4100.00} on both these dates to make up for past due payments that I missed. For the past 3 years I have been consistently making payments. My wife has several health issues and I have to spend money for doctor bills and medication. My wife suffered a XXXX and I have tried to explain this to the company. Even though I have been making payments for the past 3 years, Select Portfolio has used aggressive threatening and aggressive tactics to force me to pay more money than I owe. I am attaching the letters from XX/XX/XXXX and XX/XX/XXXX that reflect this. For the past 3 years I have consistently been making payments. Select Portfolio is now threatening to foreclose and sent back a payment I sent in XX/XX/XXXX.I am including the letters which show inconsistent amounts on the principle such as recent statements the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.I also am including an updated payment history dated XX/XX/XXXX.I have included letters from XX/XX/XXXX and XX/XX/XXXX.Something needs to be done to end the illegal practices, the threatening letters and robo calls by these debt collectors.
Portfolio Recovery is trying to collect on a XXXX year old debit, from a traffic ticket, I paid off 5 years ago, and re-acquired my drivers license from the state in question. 

They continue to contact me via calls at my place of employment, during working hours, as well as sending threatening letters to my place of employment. I am about to lose my position with this company, if this harassment does not stop now. They called from : XXXX today XXXX/XXXX/XXXX at XXXX. 

Point in case : " PORTFOLIO RECOVERY ASSOCIATES AKA XXXXGood news, they got slapped hard for XXXX XXXX recently : Also the NY AG slapped them again it seems : ... in new york CFPB fines them for lying : - ... lect-bad-debts/Posted in : I have to wonder why an allegedly legitimate business would need so many phone numbers to call out on? Make sure you read how they just lost an XXXX XXXX dollar lawsuit. Make sure you read how the NY AG spanked them bad on XXXX XXXX, XXXX. XXXX page with XXXX complaints in a government action from the State of New York. ''
Servicing of my mortgage was assigned to a temporary servicer pending completion of the paperwork for the investor to acquire it. The investor took possession and assigned their servicer before the first payment was due, but the temporary servicer continues to send monthly statements, late statements, and collection letters despite several hours spent on the phone with their collections and customer service groups, and a formal inquiry to their research department. I have made all required payments to the investor, but the temporary servicer refuses to contact the investor who owns it, and has spent 30+ days without contacting the originator. 

I have also been informed by the temporary servicer that it is my responsibility to acquire the documents they are missing ( including servicing transfer notices ), provide them contact information at both the investor and originator, and fax them documents regarding the transfer of my mortgage. Even after providing them with the name and phone number of the secondary market contact at the originator, they told me it would be 15-20 additional days at a minimum before I should expect them to attempt to resolve this, even though they are sending notices attempting to collect 2 months of payments and I submitted a formal inquiry a month ago to have this resolved.
I have an investment savings account along with a new checking account that the company started promoting a few month 's ago all too many times access is limited due to system issues you are unable to get through to customer service due to all of the major issues with the banking platform a perfect example as of todays date is my checking account access has disappeared with no explanation or reason granite only XXXX is in the account but what if I have elected to have my whole paycheck direct deposited I would not have access to my funds and as a consumer these issues are unacceptable
I APPLIED FOR A MORTGAGE LOAN IN XXXX WITH PRIME LENDING AND RECEIVED MY PRE-APPOVAL LETTER FOR {$250.00}, XXXX. I FOUND A PROPERTY AND I OPENED ESCROW ON XXXX XXXX, 2015. I FURNISHED MY LOAN OFFICER WITH ALL PERTINENT DOCS NEEDED TO CLOSE ESCROW. HE DECIDED HE WOULD USE MY JOB AND XXXX MONEY TO QUALIFY WITH ME FOR THE HOUSE. I TOLD HIM THAT I HAVE A SECOND JOB, XXXX, THAT WOULD BE MORE MONEY AND CONSIDERED CONSISTENT RATHER THAN MY XXXX. HE REPLIED BY SAYING THAT THE XXXX BECAUSE IT WOULD HOLD MORE WEIGHT THAN MY XXXX JOB. I SAID OKAY BUT DID NOT AGREE WITH THAT DECISION. ESCROW 'S CLOSING DATE WAS TO BE SET FOR XXXX XXXX, 2015. ON FRIDAY, XXXX XXXX, 2015, A XXXX PRIOR TO CLOSING, HE TOLD MY REAL ESTATE AGENT AND ME THAT EVERYTHING WAS GREAT AND THAT UNDERWRITING SAID EVERYTHING LOOKS GREAT AND WE WILL CLOSE ESCROW ON XXXX XXXX, 2015. ON MONDAY, XXXX XXXX, 2015 HE EMAILED MY AGENT AND I STATING THAT IF I DID NOT GIVE MORE INFO ON MY XXXX TO SHOW CONSISTENCY THAT THE DEAL WOULD BE OFF. HE KNEW THAT I GAVE HIM ALL OF THE INFO. I GOT ALL MY PRINTED MATERIALS FROM THE XXXX IN CALIFORNIA WHO ISSUE THE CHECK TO MY ACCOUNT FROM MY EX-HUSBAND 'S XXXX WAGES. HE KNEW ALL THAT INFORMATION AND HE ACCEPTED THAT ABOUT XXXX WEEKS BEFORE THE CLOSE OF ESCROW. I WAS VERY TRANSPARENT WITH HIM. I WAS SHOCKED TO HEAR THIS. I CALLED HIM AND ASK WHAT IS HAPPENING THIS IS NEW AND HE HAD ALL THE STATEMENTS IN HIS POSSESSION. HE SAID UNDERWRITING SAID THAT. I TOLD HIM THAT IS THE REASON WHY I SUGGESTED USING MY XXXX JOB OR MY XXXX JOB. I EXPLAINED THAT IF MY EX-HUSBAND DID NOT WORK ; I RECEIVE NO MONEY. HE HAS N'T BEEN CONSISTENT. I ASKED HIM TO PLEASE USE MY XXXX JOB. HE SAID OKAY. HE CALLED ME THE NEXT DAY SAYING THAT THEY REWORKED IT SO THE LOAN CAN NOW BE APPROVED. THAT WEDNESDAY, XXXX XXXX, 2015, HE TOLD MY AGENT THAT THE LOAN WAS DENIED. HE DID NOT INFORM ME. I HEARD IT FROM MY AGENT. HE FORWARDED MY AGENT THE INFORMATION AND THEN IN A LATER CONVERSATION, MY AGENT FORWARDED ME THE MESSAGE. WHAT A MESS. IN A SCRAMBLE, MY AGENT SOUGHT A XXXX OPINION AND ASKED ME TO SEND ALL MY INFORMATION TO A XXXX LOAN OFFICER. I ASKED FOR MY COMPLETE DOCUMENTS FROM PRIME LENDING AND IT TOOK THEM FOREVER TO GRANT ME THAT REQUEST. THE NEW LOAN OFFICER TRIED SO HARD BY EVEN GOING UP TO HIS CEO BUT HE SAID PRIMELENDING HAD ALREADY FLAGGED ME AND HE COULD NOT DO IT WHICH WAS A SHAME. HE STATED IF I HAD GIVEN HIM THE LOAN PAPERS FIRST, THAT HE WOULD HAVE GOTTEN THE LOAN FOR ME BUT NOW IT IS TOO LATE. WITH THIS DECISION, I LOST THE HOUSE AND MY EARNEST MONEY. PRESENTLY, I HAVE NO WHERE TO LIVE BECAUSE I GAVE UP MY RENTAL AND NOW THE LANDLORD HAS A NEW TENANT. MY FAMILY AND I WILL HAVE TO LEAVE BY THE END OF THE MONTH. THIS TRANSACTION WAS SUCH A DISASTER AND THERE WAS SO MANY UNPROFESSIONAL MOMENTS. I AM SO DEVASTATED.
Chase Bank holds the mortgage on my homestead located at XXXX XXXX XXXX XXXX XXXX TX XXXX. Loan # XXXX. 


They raised my payment from {$2200.00} to {$2600.00} because of escrow calculation for the end of XX/XX/2018. I have lowered my insurance cost by 40 % and my taxes are not that much higher to justify an increase of {$5400.00} this year. 

They deny my request for another review on my escrow with the new information. 

Sincerely XXXX XXXX
I applied for a mortgage at Chase bank to purchase a property in XXXX XXXX. XXXX XXXX was my loan officer. The loan eventually went through after a nightmare of a process. XXXX XXXX was completely incompetent and unprofessional in every way. We had a very short 21 day escrow without loan contingencies. XXXX recommended we do that because he promised he would have no problem closing the loan in 14-17 days as he had had my paperwork for months because he was working on another loan for me. Not only did he start out by switching two numbers in my annual income ( {$150000.00} became {$190000.00} in the loan application! ) he then went on to failing to disclose to the underwriter that I have a $ XXXXmonth child support payment that he's known about since day one. He also did not submit my divorce agreement to the underwriter. He was either trying deliberately to hide it from them, or actually just forgot about it - either is equally bad. The result was that my loan got flagged all the way through the system, we went to national exemptions desk and eventually closed over 2 weeks too late with huge financial and personal costs for me and my family. We had to pay contractors waiting fees for weeks and cancel work and family vacations because of XXXX 's incompetence. It turned out my debt to income ratio was too high, which XXXX had known all along since he had all the numbers for months. But he still pretended to me he could close in 14-17 days when he knew very well that would be impossible. He basically dragged me and my family along on an incredibly risky journey, that he had no idea if he could even finish, or when. And all along he kept telling me everything was fine, we would close tomorrow. Then the day after, then the day after. Just completely unprofessional and unacceptable. He had no idea if he could even close this loan, because he knew the numbers were off, and he still took it on. 

My experience working with XXXX was terrible. He never told me the truth about what was going on. He was never on top of the situation, and was constantly surprised by things that should be super obvious - Like the fact that he can't hide a $ XXXXmonth child support payment from the underwriter, or that my debt to income ration has to be at a certain level. He also was never right about timing. He ended up closing 2 weeks too late. Which had grave consequences for me and my family. All in all my experience with XXXX was a nightmare, and I hope nobody ever has to be exposed to what he put me and my family went through again.
I 've spent 3-4 hours trying to get XXXX to  provide my Transunion and XXXX credit reports so that I can negotiate a mortgage with a lender on a home deal that will expire soon. I received the XXXX report online just a few minutes prior to requesting my Transunion and XXXX, so why suddenly have I lost access to those reports? VERY FRUSTRATING! 

Unfortunately, they refuse to provide it to me online, requiring me to order by phone. So, instead of getting my credit report immediately, like everyone else, so that I can have a chat with a lender next week they 're now telling me that it may take up to 15 days just to process my report before they will even send it. The house I 'm interested in wo n't wait that long. 

I simply want to register how unfair it is that these credit reporting companies can hold our credit hostage despite no fault on the part of us consumers. Fact is, they have my information within easy access, but simply refuse to send it. Why on earth does it take 15 days just to process it? I can understand 24, or even 48 hours, but 2 weeks? And it 's 2018, for crying out loud, why am I having to receive it by mail?
I have been trying to correct this entry since  XXXX     2017  with the collection agency and the letter was returned to me undelivable. The credit bureaus keep telling me it was verified but how can it be verified when the letter was never delivered and the investigation started in  XXXX     2017  and continues now  XXXX   2017
On XXXX XXXX, the Midwest Recovery Systems company in XXXX XXXX, MO placed a collection on my credit report stating that I owe {$480.00} from XXXX XXXX. This company called me twice and when I asked for documentation about the collection, they decided to place this collection on my credit report without further notification.
In XX/XX/XXXX, I wrote a letter to Toyota Financial Services requesting a late payment for XX/XX/XXXX be removed as a courtesy. I received a letter back from the company after 30 days claiming that I have disputed the late payment & that the results were accurate reporting was being made for the late payment. My initial letter did not state I was disputing the late payment on my credit report, but I was asking for a courtesy removal for the late payment. My credit report now shows I have disputed the late payment which I never intended nor did write on the letter for the dispute. I continue to call Toyota Financial Services & I am told they are unable to have me communicate with the credit reporting team & that I will have to send a letter instead. Toyota Financial continues to report the late payment on my credit report, without any proper communication or feedback. Under the FCRA, a lender may not put my account under " dispute '' if a dispute was never intended not initiated by the consumer.
Citi credit card customer for 4 years. Pristine record until the day I switched my banking relationship and forgot to update the auto-pay info with Citi and was charged {$31.00} on a {$31.00} account balance. Customer service was horrible. In fact, horrible is an understatement which led me to close the account. ( {$22000.00} credit limit ) and an existing brokerage, IRA relationship totaling {$600000.00}. Yep that 's right for {$32.00}. Never again will I do business with Citi, especially that the level of customer service has taken a nose dive from where it was. Poor command of XXXX, the person sounded like she wanted to get rid of me, transferred me 2 times to the wrong person and seemed to care less if the issue was solved. Great job Citibank!.
I 've been getting recorded calls from EOS but I can not get a response to the origination of the debt in collections - if they would tell who was originally owed but they 've been vague and no details provided
An Original Mortgage done in   XX/XX/XXXX  h as been CANCEL LED  XX/XX/XXXX . A load mo dification has been done on this mort gage  XX/XX/XXXX  for  a greater amount of sums included. I bear NO signature to this loan modification, as well as I was not aware of this being done, as I no longer resided at this address. Nationstar Mortgag e /    XXXX   XXXX   XXXX   did a loan modification on this and did not contact me in doing so. This is now on my Credit Report and I need the full amount of this unpaid balance taken off my credit. I did not sign or preform any act of modifying this mortgage. The amount is false and untrue of me owing. Once again, I bear no signature allowing this amount to be modified in my name. I need the amount of Mortgage shown on my credit removed.
Chase has issued a XXXX to me for debt that is not mine ; I have no known liabilities with Chase. I 'm assuming the debt regards a personal Visa credit card account once held by my deceased wife, that the company now insists was a joint account, though the source of the alleged liability was not described. A XXXX was also issued to her name ; later a XXXX request for her own taxpayer identification was sent. 

Under the assumption that the defaulted debt in question was, in fact my wife 's credit card, I researched what records I still have on hand back to the 1988 origination date and am convinced that Chase has made an error with regards to account ownership. I am attaching my letter to Chase along with a number of supporting documents that suggest the existence of joint liability in this regard stretches credulity to absurdity. 

Yet, I can operate only under assumptions, as Chase has provided no historical evidence of the debt beyond the assertion that it I share it jointly with my former wife, who 's tax identification is still unknown to it. 

Insofar as the XXXX will impact my personal tax filing and financial aid determinations for XXXX sons who will be attending college next year, I am hoping for rapid resolution of the matter in hopes that their education will not be impacted.
I co-signed a loan with my grandson for a college loan through XXXX XXXX. The original amount was XXXX. No payment was made on the loan until XXXX XXXX. XXXX when a cashier 's check for XXXX was sent to XXXX XXXX as payment in full. It was signed for in their mailroom and was deposited on XXXX XXXX. The deposit stamp on the back said " deposit to XXXX XXXX XXXX, XXXX XXXX, Account # XXXX. A copy of that check was sent to XXXX XXXX by XXXX on XXXX XXXX, XXXX and signed for by XXXX XXXX at XXXX XXXX Mail room. When I talked to XXXX XXXX about this their answer was " that 's not our account number ''. It 's stamped XXXX XXXX XXXX so??????????????????
I wanted to continue my membership, but had an issue with the account after a breach of my bank card. I called them to try to resolve the matter, but they were unwilling. I did not hear from them for months, when I did I asked that they send me a letter so the issue could be resolved. I did not receive a letter, instead they sold the debt to First Credit Services who contacted me at work.

I am not a difficult person to find, but I do not answer phone calls do not identify the caller, but will return a message if one is left with clear information as to who the person or organization is. Calling my job was not only embarrassing but completely out of line, since they really had not made adequate attempts to contact me by mail and email. 

I let them know I would be filing a complaint, and that they have ways of reaching me, but were in no uncertain terms to try to contact me at my place of employment ever again.
On XXXX17 an online payment was made paying off balance of {$1200.00}. I did not initiate or make this payment as I had made a payment 3 days prior. I called Citibank and reported this to be fraudulent. As my checking account is tied to the CitiBank card via their website to make paying my bill easy. The credit card account had a very small available credit left on it. Asked to speak to fraud as again I stated I had not initiated this payment and was concerned that my information had been compromised and another made payment using the bank account on CitiBank website thus freeing up credit line enabling fraudulent charges to be made. CitiBank informed me that fraud does not work that way and that there is nothing they can do as it was an online payment. My personal bank was informed, they immediately put a stop payment on this charge being presented and advised I call CitiBank back and inform them of the stop payment. 
CitiBank was notified via phone and I was informed that I would incur a return check fee, as again they did not feel this was fraud. 
I made a 3rd phone call to Citibank again asking for the fraud department, I was denied speaking to them as they deemed this payment was not fraudulent. A supervisor did speak with me, she closed my account and promised to refund the return check fee when it appeared on my account. She also stated this is not a fraudulent transaction and that she was doing this as a precaution. 
This was a potential disaster, I had to beg and insist that it be remedied. I felt it was naive to deem it nonfraudulent because it was a payment. Again my bank account information is on the Citibank website so that I can easily make payments. It seems to me if someone got my info, got online and initiated payment allowing credit limit to be restored, they could have gone out on a spending spree with newly freed up credit limit.
I went to a dealership in XXXX Texas and bought a new F 250 I was approved for Ford Motor Credit if 5.45 interest rate after I signed legal documents and I left the finance manager printed out new copies and send them to Ford Motor Credit with my signature that she forged@5.99. this all took place on XXXX XXXX of 2015 the dealer admitted to fault my first payment was due on XXXX XXXX I file a complaint with Ford Motor Credit on XXXX XXXX of 2015 I was told that it would not go on my credit as long as the company was at fault the company was at fault speaking about the dealer. I file a complaint with Ford Motor Credit fraud department and was told that it would not hit my credit and it did it took over XXXX points off of my XXXX XXXX off of XXXX because they had reported it as 60 days late in the state of Texas my up. ed that if the contract they had was fraud then the contract was invalid I did not have to make a payment all of this has come out to be true the Ford Motor Credit did removing off of my credit but they have not gotten in touch with the bureaus to get my score back up. I have filed it on the XXXX & with the DMV of the state of Texas to investigate the dealer for the fraudulent ways. there is an ongoing police investigation with XXXX XXXX Police Department CID. I feel that the dealer has done this to other people and the bank is not doing anything about this.
I fell behind on my mortgage payments XXXX years ago after losing my job. US Bank Home Mortgage offer loss mitigation at that time. I filed all the paperwork but after XXXX months I contacted my case manager because I had not heard if it been denied or approved. At that time I was told that my application had been lost. I submitted all the paperwork via email so I had proof that it was submitted to my case manager. After re-submitting, it took almost another XXXX months to be told I had been denied. at this point all I wanted to do was resolve this issue and get out of debt. By this time I had another job. I wanted to short sale my home so I submitted all the paperwork for this process. It took another year for this process to even get started. By this time I had already moved out of the house for fear that the mortgage company would come in with " eviction '' papers. after a year of trying to short sale, I was finally told that I was eligible to do this because I showed a positive income. Well of course I would if I had another job and was n't paying a house note. So at this point I am at the mercy of my mortgage company waiting for them to close my case and stop the negative impact to my credit report. I do not recommend anyone using US Bank Home Mortgage and hope they never have to be put through the foreclosure process with them.