WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is a continuation of my initial complain ( complain # :XXXX ) about XXXX XXXX. The bank keeps sending me letters confirming that they approved my dispute but they do not want to allocate proper credits to my credit card. They issue credit in the disputed amount of approximately, {$1600.00} under the revolving transaction history but also, at the same time, they add debt in the same amount of approximately, {$1600.00}, which zeros out the deputed transaction. When I called and spoke with the account supervisor, XXXX, since the dispute department does not have phone number, she reviewed the account and confirmed that this was an oversight on XXXX XXXX / XXXX XXXX end and that it will be addressed within 72 hours on my statement. 72 hours passed and my credit card statement did not change. I called again on Thursday, XX/XX/11 and spoke with another account supervisor, XXXX, Employee ID # XXXX who was arguing with me over the phone for more than 20 minutes, very rude and condescending. When I asked for proof of receipts for the fraudulent debt referenced above, she was not able to answer my question. I told her that, initialy, after i returned unwanted items with XXXX XXXX, I should have received a credit for approximately {$1600.00} not only under revolving transactions but also the plan ( back then, plan # XXXX ) should have been closed. 

The plan was closed but they refusing give me proper credits to my credit card statement. I am the account holder, so they have no right close this case without providing explanation and additional information as to why they fraudulently, without my authorization, charging my card in the amount of, approximately, {$1600.00}.
I purchased a vehicle from libel financial back in XX/XX/XXXX-XX/XX/XXXX. we since XXXX the vehicle back since I lost my job and ended relocating to a different state. Since then Libel Financial has reported multiple different amounts ranging from XXXX to XXXX. Now most recently they doubled the amount to nearly XXXX dollars. More then the original price of the loan. I believe these are frodulent charges in order to try an inact legalncharges More than 3 years after reposession and are falsely reporting amounts.
I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over 8 thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX XXXX sent this request in writting. XXXX, Transunion, and XXXX are still reporting this negative account on my credit report.
I was in a business XXXX XXXX and we were approved for a loan using a CD as collateral. after the partnership dissolved, we were unable to continue paying loan and the bank used the CD to pay the outstanding balance. It has been over 7 years and the negative scar is still showing up on my credit report. It shows as a " charge off '' and has a zero balance. how do i remove?
I applied for a mortgage loan modification with SLS, LLC. The process began over a year ago. After countless phone calls, mails and faxing of my personal information they finally approved a loan modification that was reasonable and i was able to pay it on time. They entered me into a Trial Payment program. I paid it on time every month. I was out of town when SLS, LLC claimed they mailed me some documents that i needed to sign to finalize the loan modification. I never received them, i was n't aware of such documents they did n't call me or mailed me a second notice at all. They did call me about a month ago to tell me that I no longer qualify for the loan modification program because they did n't receive the documents they claimed were mailed to me. I explained to them that I did n't receive them, i searched everywhere in my house, even went to the post office to make sure they did n't have any mail for me. I asked them to please resend the documents and i will sign them and send them back thru certified mail. The representative from SLS was very rude to me and she stated that i no longer qualify for anything at all, and that no one can help me with this and that they are going to proceed with a foreclosure on my house. She said you can fill out another request for a loan modification but that, I will be wasting my time because, I do not qualify for anything. Things happen, mail can get lost, I do n't understand why they refuse to help me, nor understand that the mail could have gotten lost. I have made and continue to make my new modified mortgage payments every month. It makes no sense that they are not willing to help me they rather take my home.
Every month I make 2 payments towards my mortgage. Suntrust mortgage holds the payments until I call and advise them that I've made the full payment. They charge me a late fee and they have heavy handed collection agents harass me every month. I have advised multiple times to multiple agents of my payment pattern to no avail. I I feel I'm being harassed by the collection agents for a debt I've paid. The representative who are on a call system told me they NEVER REVIEW CUSTOMER ACCOUNTS BEFORE THEY SPEAK TO YOU. That's monthly harassment. 
I have made the full and most times more than the minimum monthly amount, why the malicious collection calls? 
I received multiple collection calls in the same day which I believe is against the law if I've made payment. 
Once I advise the the ignorant annoyed disrespectful representative it can take multiple business days to be adjusted. Why am I being punished? 
The banks bi-weekly payment plan is cost prohibited. I'm unable to make 2 full payments in one month. 
Please assist me on stopping this collection harassment and total disrespect that Suntrust Mortgage.
Dear CFPB On XX/XX/XXXX I went to my bank ( US Bank, located at XXXX XXXX XXXX XXXX, XXXX Illinois ) and deposited a check for {$3900.00} from a company by the name of XXXX. My husband is ill in Florida and has been there since this last big hurricane and I have been looking for work by way of the internet to get money so I can relocate. I previously went to the bank in XX/XX/XXXX and asked for a loan of {$5000.00} and they turned me down and said not at this time. Later in XX/XX/XXXX I explained to the teller that I had a job offer for an advertisement from XXXX XXXX to put a decal on my car and advertise for them because their sales were down and I would be paid {$500.00} per week. I was suppose to keep {$500.00} for my first weeks pay and send the balance of {$3900.00} to an account specialist at either XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX form XXXX XXXX had XXXX text me with an account number ( XXXX ) at XXXX XXXX XXXX because it was closest to my home address. My bank, U S Bank released the funds to me on XX/XX/XXXX without any complaint. I thought the check was good because XXXX XXXX XXXX was not extending me any credit and they cashed it right away. I do not have that kind of money in my checking or a savings account in U S Bank or any other bank. When the bank cashed the check I felt good about the job because I thought everything was legit and that it would workout for me. On Monday XX/XX/XXXX my sister and I was going to the grocery store and I called U S Bank to see what was my account balance and passed out when I was told by customer service that my account was over drawn by {$3900.00}. U S Bank blames me and have taken my pension check {$460.00} plus money from my social security check {$1900.00} and reversed the payment for my car note of {$65000.00} to XXXX XXXX XXXX. My car insurance was an automatic deduction and everything is lost. I received a letter from U S Bank on XX/XX/XXXX stating that the check would be held for seven days but the teller cased it and released me the funds on XX/XX/XXXX. I have since filed a police report case number ( XXXX - XXXX ) and have received two more checks. I hold U S Bank responsible for this mishap. I took one of the checks to the XXXX XXXX XXXX on XXXX and XXXX and right away they recognized that the check was fraudulent and said it was no good and kept it. I need U S Bank to return my funds because I have no money to live off of. My husband has been ill since XX/XX/XXXX with medications costing {$500.00} or $ 600 monthly and we live from pay check to pay check. He is XXXX years old and I an XXXX years old and we need the money back. All of this pain and suffering could have been avoided if U S Bank would have protected me as their customer. The bank tellers are suppose to be sharp enough to detect criminal acts and protect their customers unless they are part of these criminal acts.
On XX/XX/XXXX I mailed a certified letter to Synchrony bank, they signed for the letter on XX/XX/XXXX. In that letter I requested validation, made pursuant to the Fair Debt Cololection Practices Act and the Fair Credit Reporting Act, that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. 
On XX/XX/XXXX they responded with a generic letter that did not contain my signature or any form of a contract with them. 31 days after they signed for the first letter I sent them, they did not mark my account on any Credit Bureau as disputed. 
On XX/XX/XXXX I sent a letter stating that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
I have evidence of their violations such as, the original letters that I sent, time stamped credit reports, their responses as well as documentation provided by the USPS showing when they received each letter from me.
Conserve has been calling my number since XXXX stating that I owed a student loan for {$3900.00}. They indicated that I could be placed in a repayment plan and after XXXX months, another provider would take over and I would be out of default status. At that time, I started paying {$150.00} per month. They still called constantly requesting financial info such as pay stubs, XXXX and XXXX form. They called once and stated that I needed to start paying {$1600.00} per month on this loan. I told them that I could not afford this. They continued to call and call. They then stated that I needed to pay {$900.00} per month which I stated that I could not afford. All the while, they were drafting {$150.00} per month. At XX/XX/XXXX, their XXXX XXXX indicated that I was never really in a repayment program, when I asked why they drafted my bank account monthly if I was not. She started lying at that time about how I needed to pay more. Then XXXX XXXX started calling me and stated that I need to submit more financial documentation and that my payment would be $ XXXX monthly which I agreed to. The XXXX payment due XX/XX/XXXX. On XX/XX/XXXX, I received my pay check and that Conserve had my check garnished. I called XXXX and she asked like she knew nothing of this and stated that she needed to speak to her manager. She came back and stated that if I made payments along with the garnishment, that after a XXXX months, they would stop the garnishment. I told her that was ridiculous because my check was garnished {$450.00}. I stated that the loan was only {$3000.00}. She stated that I now owed {$5400.00} which is ridiculous. She then stated that they would offer me a XXXX settlement of {$4200.00}. This company has lied, took money illegally and was deceitful. Conserve has unfair collection practices. I called the Dept of Ed about this and they stated that any actions taken was not by them nor order by them but it was done by Conserve only. They did n't know where the increase came from and had no knowledge of how Conserve was handling the accounts for them, They redirected me to Conserve which is a waste of time since they violate all of the Fair Consumer Act. Conserve needs to made to answer for all of their collection practices. The New York XXXX has numerous complaints regarding this company. Please help the consumers who are being harassed and deceived daily by Conserve. When I questioned XXXX XXXX why I was not notified about the garnishment by them, she stated that they mail a letter to me on XX/XX/XXXX regarding this. I asked what address was it sent to and she then gave my current address. I told her that she was lying about this because I purchased a new home in XX/XX/XXXX which is the address that she stated. I was not living at this address in XX/XX/XXXX. When I stated this she became belligerent and wanted to argue with me at which time I discontinued the call.
JJ MARSHALL ASSOCIATES INC PRETENDS TO BE LAWYERS COLLECTING ON A DEBT WHEN THEY ARE NOT. EVEN A RECENT ARTICLE WRITTEN ON THEM BY XXXX XXXX GAVE EVIDENCE OF THIS, We're not lawyers, we don't give legal advice, XXXX said. We have to seek the debt, and seek a reasonable way to pay that debt. '' ( http : XXXX ). I HAVE DISPUTED JJ MARSHALL FROM MY CREDIT REPORT MULTIPLE TIMES DUE TO THE FACT THAT I AM NOT THE PRIMARY HOLDER OF THE DEBT THEY REPORTED AS A COLLECTION ON MY SOCIAL SECURITY NUMBER WHICH VIOLATES MY FAIR CREDIT RIGHTS. I SPOKE WITH A CREDIT FRAUD LAWYER AND RESEARCHED JJ MARSHALL AND FOUND THAT SEVERAL PEOPLE HAVE THE SAME ISSUE WITH UNRESOLVED CONFLICT FROM THIS COMPANY SCAMMING THEM OUT OF FUNDS AND NOT REPORTING CORRECTLY TO THE CREDIT BUREAUS. I AM JUST ANOTHER VICTIM. JJ MARSHALL STATES I OWE {$350.00} FOR A DEBT THAT WAS MY HUSBAND 'S AND WAS CLOSED IN A  BANKRUPTCY UNDER MY HUSBAND 'S NAME. AS PROOF TO THE CREDIT BUREAUS THAT I AM LIABLE FOR THE DEBT THEY SHOWED THE CREDIT BUREAUS A COPY OF MY SIGNATURE A SECOND PARTY TO TERMINATING MY LEASE AT MY PREVIOUS APARTMENT COMPLEX. BY ME SIGNING MY NAME TO TERMINATE MY LEASE THIS DOES NOT MEAN THAT I OWN THIS DEBT, THIS DEBT WAS MY HUSBANDS AND HE WAS THE SOLE CREDIT AND ONLY PRIMARY ACCOUNT CREDIT HOLDER USED TO EVEN GET THE APARTMENT. MY BACKGROUND WAS CHECKED BUT MY CREDIT WAS NOT USED TO GET THE APARTMENT. I WOULDN'T HAVE EVEN QUALIFIED AS BAD AS THAT SOUNDS. 

JJ MARSHALL KNOWS THAT THIS DEBT WAS CLOSED IN MY HUSBAND 'S BANKRUPTCY AND THEY WERE GIVEN DOCUMENTATION OF IT AS WELL AS SEVERAL LETTERS FROM REAL ATTORNEYS. I AM NOT LIABLE FOR THIS DEBT AND I NEVER SIGNED ANY PAPERWORK SAYING I WOULD OBTAIN THIS DEBT IF MY HUSBAND DIDN'T PAY IT, A LEASE CANCELATION IS NOT PROOF THIS IS MY DEBT. I AM SURPRISED THAT THE CREDIT BUREAUS EVEN ALLOWED THAT. 

MY HUSBAND IS A XXXX FOR THE FEDERAL GOVERNMENT AND WE HAVE FREE ACCESS TO LEGAL HELP, EVERYTHING I HAVE GATHERED IN EVIDENCE AGAINST JJ MARSHALL SHOWS THAT THEY HAVE A HORRIBLE REPUTATION FOR NOT LETTING GO OF DEBT THEY CAN'T PROVE IS LEGITIMATE, THEY IMPERSONATE ATTORNEY 'S, AND THEY REFUSE TO REMOVE COLLECTIONS THAT HAVE BEEN PAID OR FILED UNDER BANKRUPTCIES. 

MY HUSBAND AND I HAD A JOINT CREDIT CARD WITH XXXX XXXX THAT WAS CLOSED IN HIS BANKRUPTCY AND THAT WAS REMOVED FROM MY CREDIT REPORT, SO PLEASE TELL ME WHY A DEBT I NEVER EVEN ASSUMED IS STILL ON MY CREDIT REPORT? THE ANSWER IS BECAUSE JJ MARSHALL THINKS THAT SINCE THE BANKRUPTCY WASN'T MINE THAT I AM NOT THE PRIMARY HOLDER OF THIS DEBT WHICH IS ILLEGAL, FALSE AND UNTRUE. THAT WOULD BE LIKE GOING TO A RESTAURANT WITH YOUR FAMILY AND THEN SPLITTING THE BILL, ONE PERSON CAN'T PAY THEIR BILL SO NOW THE RESTAURANT WANTS SOMEONE AT THE TABLE TO PAY FOR THE OTHER PARTY EVEN THOUGH THEY DIDN'T EAT THE FOOD. YES, SOMEONE TYPICALLY PICS UP THE BILL SO THE PERSON WHO CAN'T PAY DOESN'T GET IN TROUBLE AND OUT OF KINDNESS, BUT THEY AREN'T LEGALLY RESPONSIBLE TO PAY THEIR BILL. 

REMOVE THIS ERRONEOUS DEBT FROM MY CREDIT REPORT OR I WILL SUE FOR PERSONAL DAMAGES WHICH INCLUDE THE INABILITY TO OBTAIN CERTAIN JOBS, LOANS, AND ADDITIONAL CREDIT.
I returned several items to my local Home Depot on XX/XX/2016. The receipt I was given showed XXXX separate credits, apparently because I 'd used different cards for the purchases. However, although XXXX of the credits did appear on my Citibank Visa ( for {$160.00} ), the other XXXX credits ( for {$25.00} & {$39.00} ) were apparently credited to XXXX different prepaid Visa cards. The problem is that because the XXXX prepaid Visa cards had already expired at the time the credits were issued, there is no way at all for me to access the funds on the card. I did call both gift card issuers and they confirmed that there is no way for me to use those funds. I do n't really understand how Home Depot could have credited these XXXX amounts, {$39.00} and {$25.00} to EXPIRED prepaid cards. It seems like the expiration dates ought to have come up on their computers at the time they attempted to process the credit. I should have been offered the option of a store credit, which I could actually have used. As it stands I 'm out a total of {$64.00} with absolutely no way to recover those funds. The identifying info on the Home Depot receipt is as follows : At the top of the receipt : XXXX XX/XX/2016 XXXX PM Cashier XXXX : *ORIG Rec : XXXX XX/XX/2016 XXXX XXXX At the bottom of the receipt : XXXX VISA $ XXXX XXXX VISA XXXX XXXX VISA XXXX Thank you. 
XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx showed up on my credit report XX/XX/2018. Trying to collect on a old account with XXXX XXXX XXXX who as of 2 years ago stop taking money out of my account monthly. This was solely based on their decision to do so. And removed it from my account. This company has now placed this on my credit report as a new debt and has dropped my score 41 pts. They have called and i asked them to send me documentation. They told me that they are not the account holder and that they dont have to provide me any of that information. they threatened to garnish my wages. They also stated that time is of the essence and that they can do what they want. They are horrible people and very nasty to talk to over the phone.
I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. Accounts XXXX XXXX XXXX XXXX XXXX XXXX I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX/XXXX/XXXX ) 2 ) XXXX ( XXXX/XXXX/XXXX ) 3 ) XXXX ( XXXX/XXXX/XXXX ) 4 )  XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) XXXX ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX ( XXXX/XXXX/XXXX )
The mortgage servicer has not paid my county property taxes. I pay my escrow account for the servicer to pay my taxes. I have been in contact with the servicer since my first delinquent tax notice in XX/XX/2018 and I still have a delinquent bill despite being told the taxes have been paid..
I have a mortgage loan with Fifth Third Bank, unfortunately because of the economy I failed my mortgage payments on XXXX, my house has a sale date on XXXX/XXXX/XXXX, obviously I do not want to lose my home, I have a family, it is my heritage for me and my family. I am trying to make a loan modification, but there is a person, XXXX XXXX, who works in Fifth Third Bank, she is the point of contact, the only person who can I talk to to get status of my loan modification, but she is very unprofessional, from the begin she told me that she will not review the work out package because I had three years with out pay my mortgage and I do not qualify with out reviewing the work out package, finally when she review my work out package, on XXXX/XXXX/XXXX she advise that she will close the file for missing documents, I even did not know that those documents were missing because is very hard to contact her, she never is at her desk, always there is answer machine and never responds the messages, finally she gave me until XXXX/XXXX/XXXX at noon to send the missing documents, if the documents are not faxed by that time, she will close the file. The required documents were XXXX, Tax Return XXXX and Hamp hardship Affidavit, I sent the documents on XXXX/XXXX/XXXX, I called to the bank on XXXX/XXXX/XXXX to confirm I sent the documents, I spoke to XXXX he said the status has to be with XXXX XXXX, tel : XXXX ext. XXXX, I called her no answer, I left a message for her in her voice mail, she does not call back, on XXXX/XXXX/XXXX I called her again, answer machine again, I called to the bank tel : XXXX, I spoke to XXXX, she said the file is closed for missing documents I explain that I sent the documents on time XXXX/XXXX/XXXX, she said I have to talk to XXXX XXXX directly to get status, I told her it is very hard to contact her, she said she will send a message to her contact me, she call and let me know the case was closed, I ask why and she said for missing documents, I told her I sent the documents, she said the hamp hardship affidavit is missing, I told her I sent it and it is signed by the Borrrower and Co-Borrower, she said she needs one signed by the Borrower and another one signed by the Co-Borrower, the file is closed and there is no way to re-open it. It does not make sense for me, the form has XXXX signatures, I thing she does not want to help the homeowners, I feel like there is a discrimination. I really need help with this, I do not want to lose my house.
On XX/XX/XXXX Citibank closed my account, which as a result caused severe damage. I had credit card payments returned and XXXX XXXX closed my credit card due to it. 


However I was promised my funds will be released 30 days after the date it was closed which, and it's now almost 60 days. 

I called in, first rep told me it's not closed, 2nd rep told me it's only pending closure, 3rd rep told me, I need to speak to fraud department, 4th rep told me the check was already mailed to me. and on and on and on and on!!! 

Every rep just made up a story out of nowhere, meantime I received a new statement in the mail as I will attach and you'll see the statements is from the date after my account was closed and they charged me a $ XXXX monthly fee. 

I consider that to be fraud!!! and even worse there's no one to talk to!! 



My account number with Citibank is XXXX
On XX/XX/XXXX, I signed a Modification Agreement/Personal Line of Credit with Wells Fargo. On XX/XX/XXXX, I went to pay off this loan and was surprised by an additional {$2300.00} fee. Reviewing our contract, it clearly states that " the Bank has agreed to waive unpaid interest accrued to the Date of this Agreement, and any late charges OR OTHER CHARGES ACCRUED TO THE DATE OF THIS AGREEMENT THAT I MAY OWE OTHER THAN THE PRINCIPAL " ( Section 3i ). Additionally, when writing the check to pay off the loan, I was asked to pay {$46.00} in excess with no explanation/nor understanding of why this amount was added.

Since this transaction, I have tried to get clarification of the additional {$2300.00} and {$46.00} charges. The responses have been conflicting, inconsistent, inaccurate and unsubstantiated. I have resorted to sending written, registered responses via the USPS as we have dealt directly with numerous people at Wells Fargo with differing interpretations. The conditions of the contract seem quite clear and yet, no one seems to fully understand the written terms. With all these conflicting responses, we are now getting notifications that the company has refunded our {$46.00} which, again, is incorrect. 

I am getting no where with this Bank and need additional assistance. Included in this request form, I have included a few principal documents.