WillisBack/dataset-financial-user-claim huggingface dataset:
To the best of my knowledge and memory I make the following statements. Zwicker and associates ... 2 separate incidents on 2 separate calls on XX/XX/2018 in regards to myself asking about what is a " consent to release form. XXXX XXXX ... think I have last name spelled correctly may or may not have misled me. He stated that the consent to judgment was " basically the same letter " that was emailed to me earlier ( settlement agreement ) and that it would be my way to agreeing with the settlement for lower amount ... also, called XXXX XXXX lawyer and spoke to a woman. I asked her to connect me with the attorney to please explain the papers sent. She said that the papers were sent earlier that day ... ... in the same conversation she stated to me about the rule 11 and consent to judgment " if you do t sign it we will take you to court '' these statements are concerning to me. Are they to you?
I have a monthly car note with XXXX XXXX XXXX of {$500.00} with a past due balance of {$980.00}. I would like full validation of the loan to prove I owe anything. And If it can not be proven to be paid in full.
On my loan Closing Disclosure on my house that I closed on XXXX/XXXX/XXXX. The tax credits provided by the XXXX were based off of XXXX 's tax numbers. However, my lender used XXXX 's tax numbers to seed my escrow and as the base for my house payment. It is now XXXX, and I have an escrow shortage of over {$6000.00}, and my house payment is going up by $ XXXX. The title company has explained that this is the practice of XXXX, but I am at a loss at to how it is ethical, or at the very least not disclosed to the buyer. My payment at closing was $ XXXX. Now I am being asked to pay back the shortage, and keep the account caught up to the tune of $ XXXX. 

Line XXXX of the closing document ( attached below ) in section XXXX or L clearly states the taxes for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX were XXXX for tract XXXX, and then {$240.00} for tract XXXX Add those numbers and you get : XXXX Divide that by XXXX, as that accounts roughly for the first 7 months, and you get : XXXX. Our escrow was seeded based on a much lower number $ XXXX month. That is the issue. Along with our payment not being based off the higher tax amount. By my calculation, my escrow should have been seeded with {$1200.00} XXXX XXXX XXXX {$13000.00}, and not the {$11000.00} that is itemized on line XXXX in section G of the closing document. Thats a shortage of {$2700.00} roughly and then if you add the extra {$250.00} a month the our payment should have had added to it over the past 13 months, you get {$3200.00} Adding those together is just over {$6000.00} which is right where we find ourselves short.
Ability Recovery Service XXXX has called me far too many times that it is bordering on harassment and they refuse to listen to any explanation I give them because all of my student loans are in repayment plans. However they Say that they represent XXXX for a repayment of a loan that is in a repayment plan, and every time they call me they are rude and unwilling to accept the truth and their calls end with threats and an abrupt hanging up on me. And I have Explained to them many times that my student loans are in repayment plans but they refuse to listen to that or accept it - they say I am playing games and then threaten legal lawsuits. And, I do n't know why they have this but I have heard that this company buys accounts that have passed the Statute of Limitations in order to make false claims in order to make people believe that money is owed and collect money that is not owed under false pretenses. In Addition I am not even sure what loan they are talking about because they do not specify the debt type or the amount all thy said is that they had this since XXXX of 2015 and my student loans have been in repayment plans long before this time, so something is not right about this company because of the claims they make and the harassment and threats because a Professional or legitimate business would not harass or threaten people and they would be willing to listen to you instead of dismissing anything you say as excuses, lies, or games, and I have spoken with XXXX before a they said that Ability Recovery Service is not a company the school uses because they have their own service for that purpose.
i live on ssi and capital one let me have XXXX credit cards and credit XXXX gave me a credit card also payday loans gave me advance on my ssi knowing i couldnt pay it back im barely getting by and i will not be able to pay these debts then i was a victim of loan fraud XXXX called me saying he would pay off my debt if i first sent him a cash advance on all my cards well i did not send it because money gram said it was probably a scam you dont wire money to individuals only companies
I purchased a vehicle back in 2008 and when the economy crashed I lost my job. I tried to keep the car but was not able to. I asked for help from Santander but they would not. I surrender the vehicle back to them. Santander sold the car at an auction for much less than what I owed. I have asked them to remove the balance from my credit but they refuse to and even though I have asked them over and over again the balance still remains. I just tried again and was told by the credit bureau to contact you if they still refuse to help. Let me know what information you me.
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Citibank is reporting inaccurate and outright false information to the credit reporting agencies. In XXXX 2015 Citibank started reporting a new account number, ****************, on my credit report. I disputed the account with the credit reporting agencies and Citibank verified it with the credit bureaus as being mine. I then initiated a direct dispute under FCRA 623 ( a ) ( 8 ) ( D ) with Citibank telling it that that account has never been issued to me and asking it to investigate the suspicious account since it has confirmed with the credit bureaus that it was mine. This was beginning of XXXX 2015. On XXXX XXXX, 2015, Citibank sent me a letter ignoring my request to investigate account XXXX and telling me that " we received your request to update credit information on your credit bureau report '' In the same letter Citibank continues saying : " Our records indicate that the information appearing on your credit report is correct. If you wish to add a brief statement of explanation to your file, you may contact the consumer reporting agencies to whom we report your account information. This will become part of your credit record, which they retain. " ( letter attached ) To me, after reading the statement above, it felt like Citibank was trying to mock and embarrass me. 
How can a negative account that 's never been issued to me become part of my credit record? 
On the same XXXX XXXX, 2015 I overnighted Citibank my response telling it that I stand by my FCRA 623 ( a ) ( 8 ) ( D ) request in regard to account XXXX and that I was expecting completion of the investigation within the time frame specified by law. In that letter I again asked Citibank to provide proof that XXXX XXXX : XXXX was issued to me in a form of an account statement bearing the said account number with my name and address. In that letter I informed Citibank that if by XXXX XXXX, 2015 I do not receive proof that account XXXX was actually mine, I will escalate the issue with the competent authorities. ( letter attached ) I honestly do n't understand why Citibank has decided to insert that account number on my credit file and is stubbornly insisting that it 's my credit card account number with Citibank.
Citi pr estige Account was CLOSEd by  Citi VP   XXXX   XXXX , ruthless employee.       LOTS  XXXX  of REWARD points due to a HOSTILE employee  XXXX   XXXX   ! !!       1. D enied access to  XXXX  reward points both online and on phone.    2,   XXXX  reward points are equal to {$1300.00} in travel value.      Citi ha s BLOCKED me from every opportunity to access my reward points forcing a SEC complaint and lawsuit.      XXXX   XXXX  is a ruthless employee who is retaliating aginst  me. Citi Th ank You employee said ONLY writing into  XXXX   XXXX  about account but said it can not be opened again forfeiting ALL EARNED reward points.  XXXX  is a BULLY.      Citi T hank YOu online response. Service center REFUSES to HELP!!       " We do n't recognize y our Sponsor Account number. Please verify the number and try again. If the problem persists, please call our Service Center  at  XXXX   (   XXXX   ).  The  ThankYou Service Center  is open from Monday to Friday,  XXXX    XXXX   to  XXXX   XXXX  ET and Saturday and Sunday,  XXXX   XXXX  to  XXXX   XXXX   XXXX .     If you are attempting to add you r Citi PremierPass  /  XXXX   XXXX   XXXX  Card to an existing account but are experiencing problems doing so please  call the ThankYou Service Center. ''
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 have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more th an one oc casion to advise of my credit being pulled without my permission.     These are the accounts that are unauthorized inquiries :  1.   XXXX   XXXX   XXXX / XXXX / XXXX   2.   XXXX   XXXX   XXXX / XXXX / XXXX   3.   XXXX   XXXX / XXXX / XXXX  4.  XXXX    XXXX    XXXX   XXXX / XXXX / XXXX
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-XXXX, Reference # XXXX ( Experian, XXXX  ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX, Reference # XXXX ( Experian, XXXX, XXXX ), XXXX XXXX   XXXX XXXX, Account # XXXX ( Experian, XXXX, XXXX ), XXXX   XXXX, Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX, XXXX ), XXXX XXXX IL, Account # XXXX { XXXX ), XXXX XXXX, Account # XXXX ( XXXX, Experian, XXXX  ), XXXX XXXX, Account # XXXX ( XXXX, Experian, XXXX ).
PMI Cancellation request denied a second time by Nationstar when my loan is current and balance is at {$28000.00} / XXXX %. The original loan originated in 2007 for {$40000.00}. Home purchase price {$42000.00} in XXXX 2007. Home at XXXX XXXX XXXX XXXX XXXX KS XXXX. XXXX County Appraised value {$42000.00}. XXXX I understand the law says PMI must be taken off at XXXX %. That would have been when the balance was at {$31000.00}. I have paid on time, and have made upwards of {$2000.00} of extra payments towards the principle since XXXX 2007. I am a XXXX vet on a limited income. Nationstar wants me to pay for an appraisal and title search which will cost over {$600.00} which is XXXX % of my XXXX payment. As far as I understand, they have been taking PMI for some months after the law says they have to take it off.
Any accounts I 've had with XXXX were paid in full and closed prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal yet Experian continuously allows. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).
Due to marital problems, we have applied for a short sale with Chase bank. I also have an attorney who was retained to help with foreclosure defense. Because of this, Chase will not allow the mitigation company who is negotiating the short sale to discuss the account, even though I have signed an authorization and my attorney has also sent a written, signed letter verifying that they are authorized. Chase has promised the negotiators on more than 15 occasions that they will get a call back from the appropriate department, and no one has ever called them. Since XX/XX/2017 I have submitted 2 different complete applications for assistance and have not once receive a response from Chase. We have gotten their foreclosure attorney involved as well and they have not been any assistance in seeing why Chase will not communicate with anyone about the short sale specifically. I am afraid that I am not getting a good chance at avoiding the foreclosure and we have had a viable offer on this home since XX/XX/2017!
I received XXXX American Express prepaid reward cards as rebates for purchases from XXXX and XXXX from XXXX. I was informed that they were accepted nearly everywhere, but was embarrassed time and again as I tried to use the cards in crowded lines at local stores including chains like XXXX and XXXX and online retailers as I scanned card after card only to be rejected and having to find another way to pay. On XXXX XXXX, XXXX I called their automated, XXXX phone number to get the amounts remaining on each card. I was told : {$14.00} remained on the XXXX {$20.00} cards, {$6.00} on a {$10.00} card, {$4.00} on another {$10.00} card, and {$0.00} on the remaining XXXX {$10.00} cards even though I had been denied use on these cards. ( The only card I had been able to use in the past was the {$30.00} Am Ex card from XXXX for a purchase of {$23.00} so it had a balance of {$6.00}. ) Later on XX/XX/XXXX I made a purchase at XXXX and was denied XXXX cards with balances remaining, but the receipt showed that {$0.00} was taken from XXXX card and declared XXXX-out, though the automated phone called an hour earlier said it had a balance of {$14.00}. {$1.00} was taken from the {$30.00} XXXX card with an actual balance of {$6.00} and declared XXXX. {$1.00} was taken from another card and XXXX-out though the phone call claimed there was {$6.00} remaining on it. And finally {$14.00} was taken from a card that the phone called claimed had {$14.00} on it and declared XXXX-out. This has been a confused, embarassing experience in which I saw my money randomly disappear with no logical explanation. There is no web address to contact and Amercan Express 's phone number is automated.
1 ) wells Fargo sold my home when they said I was under review I had XXXX set of copies I sent the XXXX set via XXXX they told me they did n't received all the paperwork I also had to fax missing documents then I was told there was deadline but I never received any letter for the deadline and I never received notice of the date for sale date, the bank set up mediations while I was in active bankracty the note on my home on public record said superior mortage it was n't until after I was served that my note was changed, I was being charged 14 % an adjustable rate when I ask for a hamp modification I get adjustable arm with the last payment being XXXX so it was adjustable arm with a balloon payment at the end that suppose to help homeowner, I was had force insurance put on my home when I had insurances but I later found out class action suit because they were doing it to all there clients I believe this is fraud foreclosure.
I have stated multiple times not to call my cell phone & stated this is not my debt and i continually receive calls as well as emails pursuing this debt.
On my request, Experian sent a notice tha t one of  my accounts,  XXXX   XXXX   XXXX   XXXX , had been updated on  XXXX   XXXX ,  XXXX . It is clear this was an automated update and not via human review. Any person of reasonable senses could see the payment history is incorrect. It is not possible for an account to show late payments once it has been charged off, then show charged off again. That is exactly what  XXXX  's payment reporting shows. No other credit reporting agency has this error.  XXXX  solely has caused me financial loss, including the loss of a home purchase last month for which my underwriter sited this specific issue as the reason for my not getting the home ... that is now sold to someone else.     Specifically, the account was originally charged off in  XXXX  of  XXXX . The updated reporting shows that event correctly BUT then shows the account 180 days late starting  XXXX   XXXX  through  XXXX   XXXX , THEN shows the account as charged-off AGAIN starting in  XXXX   XXXX . This is causing my underwriter to view the file as just charged off this last  XXXX  rather than the actual date of  XXXX   XXXX , almost 5 years ago. In addition, the account is not showing a  XXXX  balance which is required on a charged-off account.
On XXXX XXXX, 2015 my attorney submitted my most recent updated financial information to my servicer SPS. On XXXX XXXX, 2015 SPS gave my attorney a list of items they needed for my review. My attorney then forwarded all requested paperwork to SPS and then on XXXX XXXX, 2015 my attorney confirmed SPS had a complete application. On XXXX XXXX, 2015 SPS advised my attorney that they needed clarification on some of the bank statements for deposits of rent and my husbands contribution. On XXXX XXXX, 2015 my attorney again confirmed all paperwork was complete and no additional documents wer needed. Then on XXXX XXXX, 2015 SPS stated the paperwork sent was not clear enough. Everything was faxed again by my attorney on XXXX XXXX, 2015 and XXXX XXXX, 2015. On XXXX XXXX, 2015 SPS spoke with my attorney and now states they want everything again, but updated. Per my attorney and per RESPA Reg x, SPS was supposed to review my file for assitance within 30 days of having a complete file. My attorney has verified SPS had a complete file on : XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. They continually string me along stalling and then asking for the same paperwork over and over. They are evading reviewing me for assistance by simply allowing the paperwork sent to expire and then asking for it all again. RESPA Reg x was put into place in order to stop this type of behavior, per my attorney. They can make a decision based on the paperwork they have in hand. Three times in the past 60 days they have had a full and complete file. I would like them to stop stalling and make a decision. The last time they confirmed they had a complete file was on XXXX/XXXX/15. The paperwork I sent in XX/XX/XXXX was valid through XXXX/XXXX/15. I should not have to send the newest paperwork over and over and over simply because they are stalling or not underwriting my information in a timely manner. My situation is not that complicated. They are making it complicated on purpose in order to evade reviewing me for assistance.
Recently, I've grown an interest in monitoring my credit. I am ready to purchase my own home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these negative items from my report, they are indeed fraudulent and do not belong to me.
We are in the process of trying to purchase a short sale and Wells Fargo is our lender for our FHA XXXX renovation loan. It seems they are doing everything they possibly can so we do not get this home. Our account manager has left the country multiple times without handing our account to someone else and ignored many emails, calls and even text messages. Our account manager does not respond to emails until XXXX in most cases so that an entire day is lost, when he decides to respond. They have ridiculous requests and Wells Fargo was aware we needed a mold inspection on XXXX XXXX but did not relay this information to us until XXXX XXXX. Wells Fargo was under the impression that we were to close on XXXX XXXX ( per the extension that was granted ) and we were told from Wells Fargo that and extension to the XXXX would give us plenty of time to close in time. Now, Wells Fargo is telling us that we may close on XXXX XXXX but they wo n't know until after our current close date, so we can not give the short sale lender ( XXXX Bank ) an appropriate date that we need an extension until. There have been many instances of incompetence on Wells Fargo 's part and they seem to be working against me to get this loan instead of working with me. Wells Fargo terminated my closing attorney and replaced him with a Wells Fargo closing attorney without notifying me although that was an item I could " shop for ''. They also told me I could not order a " rush appraisal ''. When my appraisal was scheduled for XXXX XXXX Wells Fargo apparently put my appraisal on hold for no apparent reason according to the appraisal company. I had already paid for the appraisal and had offered to pay for a rush. We did not find out that the appraisal never happened until XXXX because my account manager was out of the country and not responding to my emails or calls. Wells Fargo ordered a rush appraisal ( which they then charged me for although they told me we could not do a rush appraisal ), which the listing agent was able to convince the appraiser to come out on XXXX. Wells Fargo received the appraisal report around XXXX. We were able to get an extension to XXXX which surpassed the date Wells Fargo said we could close on XXXX. Now, Wells Fargo is saying we should be able to close on XXXX but I have no confidence that they will be able to close by this date. Their incompetence paired with their list of unrealistic demands in such a short amount of time is unfathomable. If they gave us all of the information needed up front then we would be able to close on time. Now, we are being held up because they decided last minute that we need to paint the house and that we need an inspection for the mold. If they gave us this information up front then we would have had sufficient time to close this loan. 

This has caused me unnecessary stress and our entire savings is on the line and Wells Fargo is acting extremely unprofessional. This has been escalated to higher management and they still can not communicate in an effective and professional manner.
On XX/XX/XXXX, I spoke to Bank of America 's credit lending department for reconsideration of my closed credit cards. During the call, I specifically asked if them re-attempting to re-open my credit cards would incur a hard inquiry on my credit report ; they replied it wouldn't. During the conversation, I was never asked for permission to perform a hard inquiry nor did I ever verbally allow them to do so. However, I am now seeing a hard inquiry ( XX/XX/18 ) from Bank of America on my XXXX   report.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account ( s ) I disputed. 
Being that they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly Delete ALL information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
Thank You.
The debt was to be payed by the father who the child lived with.. not the person who had no choice but to sign the paper so he could get treatment at the ER.. the child was on a vacation to Florida from iowa.. and this company XXXX XXXX for XXXX XXXX XXXX XXXX XXXX has taken my credit score down alot thats not right and I have never received a letter from them..
I have sent in 2 certified affidavit in regard to my file. I did not au authorize anyone to pull my credit and put inquiries on them. ple please have these inquiries removed : ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XX/XX/XXXX ( 3 ) XXXX XX/XX/XXXX XX/XX/XXXX ( 4 ) XXXX XX/XX/XXXX ( 5 ) XXXX XX/XX/XXXX