WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint about 2 weeks ago regarding this account after requesting debt validation in XXXX and still have n't recieved anything. This account is constantly flagging my account as collections DAILY and it is affecting my credit score negatively. I am not sure how that is even possible because i have NEVER done business with NOR have i ever been contacted by this company. Furthermore, this account is listed under medical and i am more than 100 % sure i have NEVER given a doctor 's office or medical facility any permission to share my Medical information. This is clearly a violation of not on my FRCA rights but also my Hippa rights. I demand XXXX to furnish me with a medical release form and a contract bearing my signature stating that i have done any business with them or i will be filing a complaint with my local government agencies.
One Main have sold this account to XXXX XXXX were my husband is making {$50.00} payments every week. I need to get One Main off our report report as a charge off. Now that the other creditor have the account and receiving payments.
During the year of 2013, I called Sallie Mae customer service to ask for options about repayment. I do not make enough money to complete the $ XXXX monthly payment option, and at that time I was unemployed. I called Sallie Mae customer service about deferment, and they refused, stating that " due to the nature of the loan, your payments are due regardless of whether you have the ability to pay them or not, and will keep accruing interest. ''
Hi, I have been working with my Servicer and requested to be reviewed for a loan modification. They advised of the instructions to submit and all the documents were provided on XX/XX/17.  When i called yesterday to confirm they received them, they are now telling me they will not review them due to the foreclosure sale date. I advised them that if they would not honor a modification review that they at least consider more time to allow me to qualify for a Reverse Mortgage. They said that they are not willing to do anything to postpone the foreclosure sale date. I just dont understand why they are not willing to help me. I am elderly and have worked very hard to have the home I have today but due to unfortunate set of circumstances my mortgage fell behind. I really need your help to allow me more time, to at least continue to push forward for this Reverse Mortgage. Thank you for your time and consideration.
WELLS FARGO ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
This is a follow-up to Case Number XXXX. US Bank acknowledge in their response that they misplaced a check and once a new check is issued and paid they will resolve the outstanding loan and ensure the " credit bureau is corrected effective the total loss date. '' On XXXX XXXX, the insurance company sent a mailed a check replacing the check US Bank lost. I immediately went to the bank to sign the check over and to being the stets to resolve this issue. To date, I have not received a release of the lien. Instead, I received a " Notice of Intent '' demanding {$5600.00} considerably more than the {$3200.00} balance noted in the XXXX XXXX letter mailed to be in regards to my previous complaint. Furthermore, US Bank has failed to pay back the {$180.00} overpayment ; stating it was recouped to pay for fees. I advised US Bank that I was unaware of being charged any fees. I inquired as to what the fees were pertaining to and again advised that if they were related to charged that would not have been incurred if the original check had not been misplaced. The bank representative ( XXXX ) could not advised. I did inform US Bank that without being informed of any charges and their ability not to justify retaining the {$180.00}, is nothing more than theft.
On XX/XX/XXXX I brought a check for {$130000.00} payable to myself, my husband, and our mortgage company, Whitney Bank to the bank. The check resulted from our claim due to flood damage. The bank said they would send the check to XXXX ( XXXX XXXX ), the company which services their accounts. I also gave them copies of receipts for {$26000.00} that we had already paid out toward renovating our flood damaged home. XXXX later sent us a check for {$22000.00}. I had been told during two phone conversations with them that I would receive a XXXX of the insurance check amount in XXXX draws as we progressed on the renovation. I have contacted both Whitney and XXXX to try to find out why I did not get a XXXX of the insurance money. XXXX says they wish they could help me, but said it was up to XXXX. XXXX with XXXX called me yesterday and said the amount was determined by " a federal law '' ( her exact term ). When I questioned that, she said the local bank manager could decide how much to disperse. I asked if the bank manager could make a decision to override a " federal law, '' and she said yes. She said her company just does the paperwork for the bank. My husband and I are frustrated that the bank is not giving us a fair amount of our insurance proceeds, and that the XXXX companies involved say the other company is responsible. While the mortgage company ( XXXX or Whitney? ) holds most of the money, we are paying for the renovations, by writing checks on our second mortgage line of credit at Whitney which means we are paying them interest while they happily hold on to our insurance proceeds.
After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - XXXX ( XX/XX/XXXX )
I have 2 open paid perfect XXXX XXXX auto leases. XXXX XXXX has not reported my payment history on the accounts since XX/XX/2017. They inform me they stopped because they went to a new record keeping system and because of technical problems they quit reporting to the credit bureaus. My score went from XXXX to XXXX as a result. I'm in the process of trying to secure a mortgage. Obviously my interest rate is being negatively affected. Transunion says their system records the lack of repOrting as a serious delinquency. XXXX XXXX was absolutely no help and Transunion wasn't much help either. I don't understand how XXXX XXXX can do this. I have talked to several other people who are experiencing the same treatment as I am. Any help wI 'll be deeply appreciated.
I had terminated a phone contract with  XXXX  at the end of   XX/XX/XXXX   or beginning it  XX/XX/XXXX . The account showed as derogatory in my credit. However, I recently checked my credit and I believe the account was purchased by convergent and my account was re-aged to  XX/XX/XXXX . I never agreed to the re-aging.
I am entitled by law to get a copy of the appraisal made for my refinance in XXXX. I never got it. Failure to provide it would constitute appraisal fraud and I understand that I can report the bank or servicing company if they refuse to comply. Recently, I have been in touch with the new servicing company. I had requested it via email on XXXX to no avail. I called back in XXXX and spoke to the manager. During our phone conversation, I insisted I would have to report them ( Fay Servicing ) to your offices if she would not provide me with the appraisal used for that refinance. This was during my last follow-up attempt when I reached XXXX XXXX who transferred me to another rep who was then handling my file, who then in-turn tapped me into the manager. She was not a nice person and focused more on how I mispronounced XXXX XXXX 's name than my relevant concerns. She was using an intimidation tactic to scare me off. Although that email had been acknowledged She insisted I must re-write them a full letter - again. The company contact info is : XXXX XXXX, Fay Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX toll free XXXX direct XXXX fax www.fayservicing.com
This is in response to Complaint XXXX and XXXX. Capital One in their response to my complaint agreed to remove references to the accounts which I proved in XXXX XXXX XXXX XXXX to Judge XXXX XXXX were paid in full. To date they have not lived up to their response letter of XXXX XXXX 2015. Both accounts which I proved to be paid in full still appear in my credit report with all XXXX agencies. Capital One after the suit by the law firm of XXXX and XXXX sold the account to XXXX XXXX of XXXX VA. I have not only paid these account in full but proved my claim to a judge how agreed the accounts were paid and XXXX and XXXX withdrew the suit.
We were billed {$25.00} because TD Bank stated our checking account balance fell below the required $ 2.5k minimum. When we opened the account, we were advised that it was the balance of all of our accounts, not just checking which is why we agreed to that account type. There are other options we would have chosen had they made that clear. In fact we were steered away from their relationship checking because it had a higher combined minimum balance even though the total of all of our accounts exceeded the minimum. If the terms of my account have changed since we opened a several months ago, I do n't recall notification of it.
Six months after i earned an student loan in XX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the XXXX XXXX XXXX are incomplete are in accurate. I was an XXXX XXXX  who's XXXX career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XXXX Before XXXX my whole life was stolen.
portfolio recovery does not have ANY valid contract with me and is using methods of extortion by defamation of character to collect a debt that was never owed to the m, Im not their cus tomer, Im not their member, Im not their consumer, They need to show me a valid lawful contract or they must CEASE AND DESIST AT ONCE, because they are in violation also of information breach!!! see applicable law, s. A breach occurs when a customers personal information was, or is reasonably believed to have been, accessed by an unauthorized person.   N.J.S.A . 56:8-163 ( a ). Upon discovering the breach, the first step is to notify the Division of State Police,   in the Department of Law and Public Safety, for investigation or handling.
I performed a re-finance of an existing mortgage with Quicken Loans. Two months after the closing, Quicken sold the mortgage to XXXX XXXX. I do not want XXXX XXXX to be my mortgager. Is there a process that I can go through to stop this transaction?
Date incident occurred : XX/XX/XXXX Date contacted Chase : XX/XX/XXXX Transaction Amounts : {$800.00}, {$500.00} I contacted Chase on the morning of XX/XX/XXXX when I noticed that my debit card was missing. I noticed that there was two new withdrawals ( {$800.00}, {$500.00} ) that I did not withdrawal. I reported the withdrawals to Chase that same morning. I told Chase that I had my card number written on my card because I have a babysitter that uses my card for my daughters needs while I work. Chase told me that they were going to reverse the money back into my account and investigate. Chase then contacted me a week later and told me that they were going to send me two papers that I needed to sign so they could further investigate the issue. I returned the papers and two days later I received a letter stating that my claim was denied. I contacted chase and asked them why and they continued to state that I still had my card when these transactions were made and that the person that used my card didnt put the pin in multiples of times ( WHEN I TOLD THEM MY PIN WAS ON MY CARD ) and they also said because a XXXX XXXX automatic payment came out of my account on XX/XX/XXXX. I continued to tell chase that I did not have my card and that the XXXX XXXX automatic payment was processed on XX/XX/XXXX. Chase then asked me if I had documentation like a work schedule that could prove that I did not make these transactions. I provided Chase with my work clock in/outs and dates. My work schedule said I was at work from XXXX the day of the incident. The fraudulent transactions were made in an area that is 2 hours away from where I live/work. One day after providing Chase with my work schedule they still stated that my claim was denied. Chase then sent me to the executive claims department in which a lady named XXXX said that she was going to look further into my claim and get back with me. XXXX never contacted me once I contacted XXXX numerous of times and left messages in order for her to call me back regarding my claim. XXXX contacted me back and told me that she looked at my claim and that my claim was still denied. I asked XXXX why and she said that the dates did not add up. I told them I was taking this to court in which Im in the process of doing so. I was without any money for two weeks. I could not buy gas, food or diapers for my daughter and my account is still in the negative.
We are applying for a Reverse Mortgage. We have a current mortgage closed inXX/XX/XXXXwith First Guaranty Mortgage which is being serviced by XXXX XXXX XXXX. When the underwriter processing the new Reverse Mortgage pulled our credit, something odd came up on the report. Under Mortgage History it listed a RERECORDED DEED dated XXXX/XXXX/XXXX for a mortgage amount exactly the same as our original principal amount of {$140000.00}. However, the XXXX/XXXX/XXXX recording shows a Mtg. Term of 28 years rather than the 30 years on the original mortgage. 

This entry on our credit report caused the new underwriter to request written verification that this latest entry is in fact a rerecording of the original mortgage deed and not a new or additional mortgage. Seems pretty straight forward, but neither First Guaranty Mortgage nor XXXX is responding. I received an initial response from XXXX XXXX at First Guaranty that he was communicating someone at XXXX ( indicating that XXXX must have filed the rerecorded mortgage deed ). I initiated communication with XXXX XXXX on XXXX/XXXX/XXXX, received a voice mail message on XXXX that he was in contact with someone at XXXX, but XXXX did not tell a name or give me any contact information. Since that date I have been unable to reach XXXX or get any return calls to my voice mails. 

WE NEED SOMETHING IN WRITING EXPLAINING THE RERECORDED MORTGAGE DEED TO THE SATISFACTION OF OUR CURRENT UNDERWRITER. 

Thank you.
I contacted Fifth and Third bank back in XX/XX/XXXX 2017. I spoke with a XXXX who would not give me her last name and she told me that my account was sold to collection agency and if I would pay it could be removed from my credit report. I contacted the collection agency who is XXXX XXXX and paid a settlement of XXXX out of my XXXX account. I feel this bank is using deceptive tactics to collect old debt. from my understanding phone calls are recorded therefore I am requesting for phone transcripts to be release of my phone call made in XX/XX/XXXX. Also according to 623 ( a ) ( 7 ) Section of the Fair Credit Reporting Act consumers are suppose to be notified of any negative information that is being reported to credit agencies. I did not receive any letter that this information was being put on my credit report. If a letter was send I am requesting a copy of that as well.
On Wednesday XX/XX/XXXX I contacted CMRE who is a debt collector attempting to collect a debt on a medical bill. They left me a voicemail, I promptly returned their call. I obtained the details of the account when speaking with XXXX, and we worked out a settlement of {$210.00}, a discount from the original balance of {$310.00}. In that particular moment, I was not able to complete the transaction as I had to review my finances and ensure that the {$210.00} would not leave me with no monies for the rest of the month since I only get paid once a month. I advised XXXX I would call back within 48 hours and finalize this. Once I called back on XX/XX/2018, I had the unfortunate displeasure of speaking with " XXXX '' who was simply rude, unprofessional, distasteful and insulting. I was at a lost for words at the way she was treating me, talking to me, and flat out intimidating me with her tone and inflection. I tried to reason with her, explain to her but kept get getting cut off by her. She was not wanting to honor the {$210.00} pay off quote I was given and was attempting to co-erce me into paying the full amount. I tried to explain to her I could barely squeeze out the {$210.00} and now she is trying to bait and switch me into the {$310.00} - I could not even get a word out. It was her way or the highway. I'm shocked, upset and frustrated. I never want to deal with this person again.
I AM FILING A COMPLAINT ABOUT BANK OF AMERICA. 
Someone stole my ATM card without me knowing when, XXXX XXXX, XXXX they proceeded to use my card on line and then at an ATM withdrew over XXXX in XXXX XXXX I was told taken out of my account I have never taken large amounts of money out of my account, and I asked them to review the video of the thief and they would not let see the video to see if I recognized the criminal. I. I went to file police report when they told me I need it to open a case. I was at Bank of America on numerous occasion trying to get my money. They closed the case and kept {$1900.00} my checking and savings money. how can that be right? I am a hard working woman, not a crook or criminal, I have no reason to be treated this way. It has been 3 months with no answers yet. Then they had the nerve to tell me they closed the case could n't pay my bills, lost my apartment, and on the verge of losing my car. On top of that I am have an XXXX XXXX, because I was treated unfairly. I went to the police department again to complain about the bank and they threatened to put me in jail if I came back. What kind of people do this I need a resource to help me get my money back from crooked Bank of America, who said its not their fault. Well I did not commit a crime they did. This is case # XXXX.
On XXXX XXXX 2017, I requested verification from this company of the debt that they claim I owe. They never responded to me, nor did they provide me with the requested verification. It has been 88 days since I requested this information and they have yet to respond to me. The alleged amount owed is {$28.00} yet I was never made aware of this debt.
I mailed a Multiple  Inquiry Removal Letter o n  XXXX   XXXX  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I receieved the same response for all inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigated and if yo u do not investigate and respond, the CRA must delete the disputes information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I sent a letter to validate the debt to Systematic National on 3 occasions. One on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have not received any validation of the debt or response within timeframe. I spoke with a rep from Systematic today who stated he does not have any proof of the debt and to contact the original creditor which is   XXXX   XXXX   XXXX   XXXX  . I called   XXXX   XXXX    and was told that the debt is with the collection agency so I have to communicate with them for everything. I called the guy back and he stated again that even though they are the ones collecting the debt they do not have the validation of the account. This is illegal and should not be reporting to   XXXX   XXXX   or to the credit agency 's. This debt can not be validated as mine and they are not cooperating with my request for verification.
My mortgage is in foreclosure and I have filed for a loan modification. I have filed all the paperwork involved. This package was completed and submitted by XXXX/XXXX/16. My understanding is that under CFPB rules the bank had 30 days to respond to my loan modification submission. This has not happened. We are in mediation within the state of New Jersey and I believe that the institution involved, Ditech, is dual tracking this foreclosure action and not negotiating in good faith. I have asked for all original documentation and wet ink signatures regarding this mortgage and they have been unwilling or unable to provide the documents.
Jared the Galleria of Jewelry keeps calling and emailing me at my job after repeatedly being told to stop doing so as this can result in me losing my job. They are also calling my sister at her job and keep calling various family members of mine. My account was up to date and being paid and they closed it for no reason and are now harassing me even though I am on time with payments.
Not given proper information of my dispute from the credit agency. Dispute did not resolve my issue of incorrect information on my credit report. It states in the FCRA that I am able to receive information the credit bureau received from the company and was not given any.
I have NCC Business Services on my credit report twice. They claim I owe a debt from XXXX XXXX Apartments. In which I have never lived in these apartments in my life. I gave my financial coach XXXX XXXX with XXXX the consent to speak on my behalf to see about clarifying the paying of this debt. Come to find out that they have this debt under another XXXX and under a different date of birth and social security number. I will provide my credit report and the consent form I signed with my Financial coach.