WillisBack/dataset-financial-user-claim huggingface dataset:
The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last four years and this was explained to MCM Midland Credit Management , Inc of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XX/XX/XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a XXXX % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you.
On XXXX XXXX XXXX, I pulled a copy of my credit report from Equifax. There was a medical collection on it for {$360.00} with an unknown creditor. On XXXX XXXX, XXXX, I wrote to Equifax to dispute said alleged debt and asked for validation. Equifax responded on XXXX XXXX, XXXX, after the 30 day time frame, and indicated and updated that the alleged debt was for {$410.00} and that it was paid in full. Equifax did not validate said debt nor did they mark it disputed. To date, XXXX XXXX, XXXX, this alleged debt has never been validated nor has my credit report been marked " disputed '', but Equifax continues to report.
I Have had several things added on my credit due to identity theft and this is one of them. I have tried to talk to this company and solve the problem with them, but there has been no budge. I did not open this account and feel that it is wrong that i continue to suffer for it. Please resolve this immediately.
Synchrony Bank, the original creditor of Gap credit card sold an " unknown '' old debt to a debt collector XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ). I closed this account in XX/XX/XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called Gap card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

XXXX turned it over the XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. XXXX XXXX  sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XX/XX/XXXX and all of a sudden they called me early this year XX/XX/XXXX to tell me that I owe them. After 5 years??
In XX/XX/XXXX, TD Auto Finance reported that my account was late. In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.
i have been trying to pay this bill for 3-4 months now, every time i've tried to make a payment it has been returned, or the tried to process it multiple times resulting in over drafting my checking account. i've contacted the company by phone and email and they haven't helped me to fix this problem. i had to close my checking account because they kept trying to process a payment that i didn't authorize, which was continually over drafting my account and causing me to have to pay over draft fees.
I have reached out to XXXX and Transunion in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or e-Oscar verification is unacceptable.
My husband and I have been trying for years to refinance our home mortgage. Wells Fargo, the lender, XXXX mortgage owns the loan. We bought our home in XXXX, have not missed a payment + we have great credit scores. Currently, our home value is less than what we paid for. Wells Fargo wo n't lower the loan to the current property value, unless we 're in a hardship! Wells Fargo just sends letters with XXXX numbers, so they can give you the run around and pass you off to other staff until you get frustrated and hang out. 
Meanwhile, we 're busy and do n't have time for this. Perfect scam. Why would they help!?!?
I received a phone call from XXXX. The computer voice identified the company as " Check Into Cash ''. The voice thanked me for calling them. I never placed a phone call to them. They called me. The computer solicited me for a loan over the phone without any of the proper disclosures required by TRID or TILA. When finally connected to a human being, they refused to believe that I had n't called them to apply for a loan. They insisted that I dialed their number to apply for a loan and claimed that it was impossible for them to have called me. 

This is a deceptive practice.
I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my XXXX  account ( it isn't shown as open, it isn't shown as closed, etc. On Equifax it is showing as closed, XXXX % paid off, but no payment information ( Highest Balance = {$0.00} ) - Equifax screen shot attached.

I disputed with XXXX  on XXXX  XXXX  & XXXX   XXXX  ( via XXXX website ), details attached. I also disputed directly with Equifax on XXXX  XXXX  ( details attached ).

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).
I made this mobile deposit for my account and it got declined XX/XX/2018 for XXXX and I want to know why it was declind
According to the letters that Chase has sent out, they closed my account on XXXX/XXXX/XXXX, after reviewing an application submitted for the XXXX credit card product. I spoke with a lending team member on XXXX/XXXX/XXXX. The representative informed me that she was not willing to reinstate my accounts for having too many accounts and that I was not putting charges on their cards with annual fees. I was extremely confused, and felt unfairly treated ; my FICO score is higher than XXXX, I have never defaulted on a payment, and I paid the annual fees for the cards.
My mortgage company underestimated property taxes by a large amount. As a result, my payment has increased by approximately & XXXX due a an escrow shortage. This took effect at the beginning of this year
On or around the beginning of XX/XX/XXXX we began receiving phone calls from Radius Global Solutions ( RGS ) in regard to a medical bill from XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. They provided the account details and balance of {$500.00}. 

However, the balance they provided was not the last balance we had received from the original creditor. On XX/XX/XXXX we requested a statement from the original creditor and received a XXXX balance statement from them just days later. This XXXX  balance is for the same account number provided by RGS. 

Since our last payment to the original creditor had occurred just 30 days prior, we thought this discrepancy odd and disputed the balance with RGS - requesting statements/media from them to confirm a correct balance. 

We made this request on multiple occasions and emailed disputing statements to the supervisor at Radius Global Solutions. In the email I confirmed our request for media in writing, along with proving the bank statements that listed our payments towards this particular bill. 

One week passed and I did not receive any response from Radius Global Solutions. We spoke with them on the phone and they denied receiving our request for media and also stated that we were refusing to pay the balance. The supervisor called us liars and began putting words into our mouth in regards to refusal to pay/unwilling to resolve the debt. We clarified that we were not unwilling to resolve the debt and were disputing the balance and continued to request media before we could make any steps towards resolving a potential balance. 

Upon completion of this phone call I again emailed the address provided with the disputing documents and again requesting the statements/account media and again received no response.
I have an account that is incorrect on my credit report XXXXXXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX XXXX XXXX XXXX even had the right person or the proper account!
Filed a dispute with the credit bureau all 3, Experian, XXXX and XXXX and the collection agency ( XXXX XXXX XXXX ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.
Sears Credit card company adding late fee and different balance due amounts bill clearly different then the one customer receive.
The debt was settle and I requested the debt collector to delete the account from all three credit bureaus but did not happen.
I have TWO hard credit inquiries on the SAME DATE from the SAME lender organization XXXX XXXX, 2015 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
I went to suntrust bank to open 2 accounts on XX/XX/XXXX and XX/XX/XXXX. The day before the funds were scheduled to be available from the bank placing a hold I was told my account was being closed by suntrust bank. They refused to provide me any reasons and referred me to a consumer agency they used to make this decision. The accounts I set up were on behalf of my son. When a I contacted the consumer reporting agency they stated I had a XXXX XXXX XXXXXXXX account. I never had an account with them and told them it was inaccurate. They refused to listen and told me the info is correct.
I placed a call to XXXX XXXX XXXX in XXXX XXXX, New York on Monday, XX/XX/XXXX to request that they fax my Form XXXX for XX/XX/XXXX. The fax did not arrive in the 24 hour period that they promised as the delivery deadline. I called them a second time on XX/XX/XXXX, and they said that they would fax the form. I let the representative know that the first request to have the from faxed to me went unanswered and this time the representative promised to fax the document within 3 hours. The document was not sent, although I received many faxes throughout the week and on that Friday. Their is a disconnect between their call center and the delivery system. How can they promise to send information out at a time certain, when the people responsible for the fulfillment are probably in a different country, or the call center is in a different country? Alternatively, I tried to retrieve my Form XXXX from their website, XXXX, but the website was not functioning and I could not retrieve the form. This is pitiful.
My realtor representing the me, XXXX XXXX of a property financed through Ocwen. 
we both would like to file a complaint regarding the misinformation that was given to my client regarding doing a short sale for XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I the owner, was informed to submit Hardship package on XX/XX/2018, which she did. I then contacted regarding a Loan Modification, which I could not do due to my finances. On XX/XX/XXXX, I received a letter stating that since I would not be able to do a loan modification that I would be able to do a Short Sale. XXXX days later I received a letter stating that I could not do a short sale due to Foreclosure date ( XX/XX/2018 ). And I received from XXXX that the short sale documents that they received were denied. I shouldn't have received an email from XXXX, because I'm not an agent and no documents had not yet been submitted to the bank by my realtor. 

I was also informed that I could do the short sale and was never made aware that a foreclosure date was set for XX/XX/XXXX. I was also informed that she had to get the short sale documents by XX/XX/XXXX and they missed informed me on which documents to send in. This was all coming from the Relations Manager. We submitted an offer on XX/XX/XXXX and have been going through the process of doing a short sale. A BPO was even done. 

Up until this day, my realtor has been missed informed by XXXX overseas regarding amount to pay to stop foreclosure and finally was allowed to speak with someone in the US who gave my realtor the proper information regarding amount that was needed to stop foreclosures. My realtor was also able to understand her better.
Address XXXX XXXX ct XXXXIs not nor ever been my place of residence or any affiliation to my life. 

Please remove from my credit report.
I am attempting to link my CapitalOne account with an external application called XXXX. I am receiving a message that states this is unauthorized access. 
I have the right to see my financial accounts and to access them.
On XX/XX/17, person X agreed to send me {$1100.00} dollars to purchase a few supplies for him. He sent me a total of {$1100.00} via the XXXX app. After confirming that the money has been transferred as indicated by " X paid you + $ '' I went out and made the purchase of the items for person X. I checked and saw that the balance went through and so I scheduled a transferred of the balance in my XXXX  account to my checking account. The next day, I notice that the balance did not go through as scheduled. I checked my email and found that my account got frozen with a request for me to send in my driver license to XXXX. '' I called XXXX and wanted to know what was going on. According to the customer representative, the person who paid me made an unauthorized transaction. In response to this, XXXX reversed the transaction and withdrew the balance from my XXXX account. How is this possible? Their website states " Once you make a payment to a registered user the funds are sent to the recipients XXXX balance for them to use. At this time, its not possible to cancel a payment thats been sent to a registered user in XXXX. '' This is obviously not true. it continues " Only in instances when the funds are still in XXXX system, can we reverse the funds with the recipients permission. '' This is also not true. XXXX reversed the fund without my permission. As a result, I 've lost {$1100.00}. The app also says " your withdrawal could be delayed or blocked if we identify an issue. It does n't happen often, but if it does we 'll send you an email. '' This is also not true. No email was sent to indicate that that there was a problem with my transfer. Instead, the only email I got was that my account got frozen without an explanation. I believe that XXXX violated their own policy and is abetting scammers. False advertisement is illegal. I did a simple XXXX search and found that many people are having the same problem, some are reported to the BBB. There are many websites out there specifically highlight this exact problem. I checked their app review on the XXXX store and again, many people are facing the same frustration. This is a class action lawsuit waiting to happen. XXXX must be aware that scammers are exploiting XXXX 's vulnerability but has failed to close this loophole. When you are aware that there is a problem and choose not to fix it, you are legally liable for damages caused by your inaction because your platform facilitated fraud. I just want my money back.
My name is XXXX XXXX XXXX and I have been a CitiBank acct holder since XXXX. In addition to a checking account, I also maintain a savings account, credit card, and personal line of credit with CitiBank. Since opening my accounts with Citibank, I have always maintained my deposit and credit accounts in an outstanding manner. 

On XXXX, I logged into the Citi mobile app to make a payment to my personal line of credit and that was when i realized there was over {$500.00} worth of ATM withdrawals conducted on my account days before. I immediately called Citibank to report the unauthorized transactions. I hardly EVER use my debit card and primarily conduct all my banking via the consumer website and the mobile app. On XXXX Citibank took my dispute and began the claim. 

SINCE THEN, I have had no response from Citibank and I am still out $ 500+, it has now been MORE THAN 10 BUSINESS DAYS. By law I shouldve been given a provisional credit while this " investigation '' is still going on. 

On XXXX, I contacted Citibank and was transferred multiple times till finally I was handed off to an individual by the name of " XXXX '', who claimed to be an Account Client Supervisor. This person was extremely rude and kept interrupting me when I was trying to explain my frustrations to him. XXXX has NO knowledge or Reg E, does NOT work in the disputes/fraud dept., and REFUSED to answer the question of " When will this be resolved and when will I get my money? '' XXXX just kept repeating the same script and saying that it can take up to 45 calendar days and when I asked him about receiving a Provisional Credit, he refused to tell me when I would receive one. I asked to be transferred to dispute department or a manager and he refused and stated that " Special Investigations Unit '' does NOT talk to clients. ARE YOU KIDDING ME? They DONT???? What kind of investigations is Citibank doing if you're not even speaking to the victims of the fraud??? 

XXXX then put me on hold and stated that he would check on the status of the dispute in the back office. When I told him I cant be on hold any longer ( over 45 min ), he told me NO when I asked for a manager to call me back and THEN HUNG UP ON ME!!!
I have never received monthly mortgage statements from SETERUS, Inc. SETERUS XXXX Inc. began servicing my mortgage in XXXX XXXX. I requested monthly mortgage statements via telephone in XXXX XXXX. I was told to make a written request to SETERUS. On or about XXXX XXXX, XXXX, I mailed a written request to SETERUS, Inc asking for monthly mortgage statements to be mailed to me and I requested an account payment history showing payments that I have made to SETERUS, inc. since they started servicing my mortgage. As of XXXX XXXX, XXXX, I have not received a payment history nor have I received a monthly mortgage statement as I previously requested in writing.
At XXXX on XXXX XXXX, XXXX, I initiated an ACH withdrawal of funds ( {$680.00} ) from my XXXXCoinbase account to XXXX XXXX . Previous similar transfers had always arrived within 4 business days, as stated in the XXXX/Coinbase terms. In fact, most had arrived sooner, within 1-2 days. This transfer, however, never arrived at my bank account. It has now been 12 days. The status of the transfer is indicated on the Coinbase website and the XXXX website as " Complete, '' and has been indicated as " Complete '' since at least XXXX XXXX, but the funds have not arrived at my bank.
Equifax has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. There is an account with XXXX that needs to be removed because I have no idea where this came from and the other XXXX bureaus have removed it so why dont they? This is also the case for the XXXX XXXX accounts, why would Equifax keep them on when XXXX and XXXX have removed them? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now and there are XXXX random collection from XXXX XXXX XXXX that I have no recognition of. XXXX and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long. And to top it all off, Equifax is reporting a UNKNOWN account with no name, no creditor name and absolutely no way for me to get in touch with said company so how am i supposed to even pay them? I dont even think I owe the debt let alone be expected to pay my hard earned money to UNKNOWN!
My house was listed last XX/XX/XXXX, but I have made multiple attempts at loss mitigation. We finally got a buyer in and Ditech told us the offer was too low. We put it back on the market and got an offer that met what they wanted and then they issued approval. We were so happy. The buyers are a young couple that had to get a loan. Their lender 's lawyer said they needed until XX/XX/XXXX to close. Ditech only gave them until XX/XX/XXXX to close and then set an auction for XX/XX/XXXX. I can not go through all of this for them only to foreclose right before the buyer is ready. There was no reason for them to set this auction RIGHT before the buyer was able to close. We have short sale approval and the buyers are at the mercy of their lender and they are working diligently to close.
In XX/XX/XXXX we missed a mortgage payment to Specialized Loan Servicing LLC. On XX/XX/XXXX, I talked to an Agent on the phone and made arrangements for XXXX XXXX payment of {$1000.00} to be electronically transferred. We later received a confirmation letter dated XX/XX/XXXX. ( see attached ) Then we received a Default Notice and Notice of Intent to Foreclose dated XX/XX/XXXX. ( see attached ) We are one month behind in payment and are working on bringing the account current.