WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to Equifax so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with XXXX XXXX XXXX and they keep reporting false information.
XXXX ( Bank of America ), as trustee, settled a trust in XX/XX/2016, that included real estate. It held back {$10000.00} in cash from the asset distribution as " Real Estate Reserve '', to cover additional expenses pertaining to the real estate, such as transfer fees, real estate taxes, etc. We agreed to that when approving the structure of the initial distribution. 

The real estate now has been fully distributed, so XXXX no longer has any related liability as trustee. It did incur additional real estate taxes, and transfer costs for deed, recording, etc. However, it has not distributed the remaining funds held back as reserve. 

I have made four inquiries to the office that managed the distribution, and the last two have been ignored. This appears to be a case of XXXX holding on to our money without any legitimate reason to do so.
I have contacted Equifax on several occasions about 24 hard inquiries that are on my credit report that have not been removed in the time that the agency stated they were going to be removed
TRANSUNION continues to report XXXX XXXX Account # XXXX as an adverse account. Data received from TRANSUNION does not support account being an adverse account. Spoke with company and had been informed that they ( XXXX XXXX ) did not assign account to the adverse accounts list. TRANSUNION continues to insert " Bankruptcy Dismissed ''. on XXXX XXXX account. Investigation and per the Fair Credit Reporting Act ( FCRA ) Chapter XXXX Dismissed Bankruptcy is to be removed with seven years of filing. Chapter XXXX Dismissed Bankruptcy is to be removed from my credit files in 2016. I submitted several request to remove Chapter XXXX Bankruptcy sooner than 2016. TRANSUNION had removed last year. TRANSUNION investigation report revealed that " A non discharged, OPEN or dismissed chapter XXXX bankruptcy ( Public Record ) remains on the credit file for 10 years from the filing date. This is inaccurate. Research revealed that a Chapter XXXX Bankruptcy is to remain on file for ten ( 10 ) years. Reports from the other major credit reporting agencies stated that Dismissed Chapter XXXX Bankruptcy is to remain on files fro seven ( 7 ) years. During the initial phase of Chapter XXXX Bankruptcy, I was to have provided financial information and devise a repayment plan. I was to have completed/file the Chapter XXXX Bankruptcy forms and a plan procedure with the courts. According to the Bankruptcy Law checklist I was to have met with trustees at the courthouse to review paperwork and plans for repayment. Prior to this scheduled meeting with trustees and preparing to attend a confirmation hearing, I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy was not in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, including XXXX XXXX, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ). Any and all comments related to Chapter XXXX Bankruptcy should be removed from this XXXX XXXX account.
My name is XXXX XXXX. My daughter, XXXX XXXX ( formally XXXX XXXX ), and I purchased a home together in XXXX. The mortgage went through a number of transfers of lenders over the years but has been serviced through Shellpoint Mortgage Servicing since XXXX timeframe. When we purchased the home, the members of our household included XXXX of my adult daughters, my wife XXXX and me. At the time, the expectation was that each of us would contribute to the mortgage and overall housing expenses. Unfortunately approximately a year after moving into our home, XXXX suffered XXXX ever since. As a result, XXXX had to retire earlier than anticipated. My children attempted to care for her while I continued to work. After roughly another year or so, this proved to be unattainable and I was forced to retire to become XXXX full-time caregiver. While I am of age to retire, these circumstances forced me to retire earlier than expected. Due to XXXX condition, we have incurred a significant increase in medical bills as the result of routine doctor visits and various medications to treat her condition. Additionally, a few years ago XXXX eventually married and moved out of our home which resulted in another reduction of household income. 

At this time, our income is limited to our monthly social security checks. These circumstances have resulted in our inability to make our mortgage payments. We had explored loan modification to no avail and were also considering a short-sale however this would have resulted in us becoming homeless due to our income and the housing crisis in the XXXX XXXX. In XXXX XXXX, we received notified that Shellpoint issued a Full Reconveyance of our first mortgage. We were not aware that they decided to do this and attempted to contact them on numerous occasions and they would not return phone calls to explain the situation. We ended up contacting the company that filed for the reconveyance, XXXX, and they confirmed that Shellpoint instructed them to remove the loan from title. After a few more failed attempts to get clarity from Shellpoint, we sold the home to downsize and bought another home. XXXX and I was working with a reverse mortgage lender and right before closing, Shellpoint issued a foreclosure status on my credit. This occurred after we already sold the home in which they removed the lien. Given that this was non-recourse debt, we are not sure why or how they are considering foreclosure on a home that they no longer held a lien on plus we sold the home. We would really appreciate some assistance on this matter as it effectively resulted in our inability to close on a reverse mortgage and it is also still on my daughter 's credit report.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Late Payment XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
i have a reverse mortage with reverse mortage solutionsI am on a fixed income they require me to pay XXXXper month to pay the premium I only receive XXXX permonthI have a home onwers policy and auto insuranceutilites and dr and XXXX bills
XXXX 's client XXXX XXXX was a victim of ID theft. Her information was used to obtain medical treatment and services at a location in Colorado that she never authorized. Several collection accounts were established related to that service. While the majority of those accounts have been disputed with success, BC Services has failed to remove the data from her XXXX  credit reports ( obtained XX/XX/XXXX ) as outlined in the FCRA.The first formal dispute was provided to BC Services XX/XX/XXXX, and again XX/XX/XXXX and again XX/XX/XXXX. Even after submitting this information BC Services still attempted to collect on this debt after the data was provided to dispute this account as fraudulent. Address confirmation information was provided to BC Services to show she did not live at the address of the first established medical account as well as a police report indicating the issue was ID theft related. 
BC Service continued reporting of these accounts is a violation of the FCRA and FDCPA and my clients consumer rights.
A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work.
I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Franklin Collection Services ) which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge as a result of the identity theft. After receiving this information via a certified, registered and tracked letter ( Franklin Collection Services ) has not responded and continues to report the unknown fraudulent medical account ( s ) on my credit report ( s ). The account ( s ) are : XXXX ( {$480.00} ), XXXX ( {$380.00} ), XXXX ( {$660.00} ), XXXX ( {$380.00} ) XXXX ( {$3100.00} ). I also requested that ( Franklin Collection Services ) advise me as to the names and addresses of the health care providers, the name of the patient, medical service ( s ) provided and the reported dates of medical service ( s ). ( Franklin Collection Services ) did not respond to this request either.
I was shocked when I reviewed my credit report and found two late payments on the following date : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
In XXXX 2016, Citibank was offering a promotion of " XXXX XXXX XXXX points after opening a Citigold checking account and making XXXX or more bill payments in two consecutive months. Expires XXXX XXXX, 2016 '' under a promo code XXXX. At the time of the account opening, I 've reached out to Citibank online chat to verify the terms of the promotion and opened the Citigold checking account online. Once I 've received the debit card around XXXX XXXX, I 've called Citigold customer service and once again verified the terms of the promotion, which was as stated above and Citi representative has confirmed that I will receive XXXX points upon meeting the requirements. I 've also opened Citi XXXX credit card with an annual free and Citi IRA. After completing all the terms and conditions, I 've reached out to Citi customer service who is now refusing to honor the promotion after it has been confirmed and reconfirmed by Citi representatives. I 've attempted to get this matter resolve under case # XXXX & XXXX, however, I 've received a rejection.
Resurgent Capital Services keeps calling at all times about a debt that is not valid under different names XXXX XXXX/ Resurgent
I have had repeated problems with XXXX  XXXX giving inconsistent information in the five years I have been working with them on repaying my substantial student debt. 

To start, I am a XXXX and have been diligent in making payments since finishing my training. 

The latest example of trouble came this summer when, in XXXX, I was sent a note askng for me to recertify my income that had the following phrasing : " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2018, your monthly payment is estimated to be XXXX, first due on XX/XX/2018. '' I completed these requirements at my first convenience, thinking XX/XX/2018 marked a deadline, not a target. 

I received a note in XXXX stating that my application was denied because I had applied too soon. I mentioned that I only did what I thought I was being asked, but I was told not to recertify until the fall. 

Come XXXX, I see that my month payment jumped up to the XXXX level mentioned in the XXXX note, suggesting that my income driven repayment plan must have lapsed. I called back in early XXXX to better understand what happened, and I was told there was a mixup in dates, that the paperwork I sent in XXXX would be used to recertify my income and recalculate my monthly payment, and that I did not have to worry about the XXXX payment because they could not review and recalculate in time for an XX/XX/2018 payment. 

I see today ( XX/XX/2018 ) that my account is listed as delinquent. I call back, and a condescending agent suggested it was my fault all along because I sent my paperwork shortly after they requested it, and not specifically around the time of XX/XX/2018. I explained how no reasonable reader of that original letter would suspect they had to time the arrival of the paperwork for the deadline, and that I was essentially being punished for sending in paperwork shortly after asked. 

Fundamentally, I am trying to do the right thing by keeping up with payments and the requisite paperwork. The operational inconsistency from the agents not only undermines confidence but leads to unfair labeling of my account that can have negative credit ramifications and delays in payments while interest continues to accrue. 

I check my balance at least weekly and keep up on this ; I can only imagine what happens to those without the time or curiosity to keep XXXX  XXXX  honest.
I reviewed my credit report and noticed XXXX XXXX XXXX placed and account as an collection account, which does not belong to me. 

On XX/XX/XXXX & XX/XX/XXXX, I emailed XXXX XXXX and informed them of the frivilous account that has been reported to the credit reporting agencies. I requested deletion of the account effective immediately, which they have ignored. Since, I've placed a fraud alert to my credit file. 

Sincerely, XXXX XXXX
I have contacted them trying to get information on this debt, I was given the information and after contacting them they have continuously called me to try and attempt to collect this debt ... XXXXthey call and tell me that I will pay either way if they have to deduct from my checks or sue me ... has also been told that I will be arrested and brought to court by a lawyer ... .soon after that I stop answering the phone when they call. I do n't believe that I owe this amount I have also asked them to send me the information in the mail and has yet to receive that info.
Discover card open during a XXXX month arrest ex husband decided to charge up my credit and used my name and social security for fraud. enclosed is documentation been fight this company for XXXX years.
I mailed a certified signature request letter to Experian on XXXX XXXX. 
The never responded its been past 30 days. 
I mailed another letter XX/XX/2018 certified signature request requesting verification.
I have been trying to get my mortgage service r to explain to me for 9 months why i owe more money then was agreed to when i modified the mortgage. They have hit me with force-placed insurance multiple times totaling XXXX even after i have shown them time and time again that i have insurance policy with my Home owners association. They keep saying they never got the policy that i sent them. They have also hit with Attorney fees as recent as XX/XX/XXXX. The total i owe them for differed interest is listed on the attachment i am sending you with this complaint. XXXX. This is the agreed terms of the modification. They are claiming i owe them XXXX. In addition to that they want {$2600.00} for the force-placed insurance. Now they have sent me letters that they have sold the mortgage again. I have reason to believe they are doing this to complicate matters further.
A mortgage held with OCWEN Loan Servicing was paid off by my credit union. At the same time OCWEN withdrew the next payment from my bank, although that amount was included in the payoff. 

The credit union contacted OCWEN who acknowledged they were holding funds not due to them, and said they would try to expedite the return of the money. 

Two weeks later, with no funds received back, I contacted OCWEN, received a huge run around, and finally I was told they would send my funds back after 20 business days had passed. They knew the amount due two weeks ago, but would still hold them until they elected to send them back. They couldn't provide me with any document I had signed authorizing that delay, could not show me a notice I had signed indicating that funds could still be withdrawn, though not due, until I notified them to stop taking money from my bank, and they could not provide me with any legal reference that allowed them to continue holding my funds. Finally, they refused to make any effort to expedite (? ) the return of my funds. 

The amount due back is {$1400.00}. I discussed this with employee ID XXXX, who told me there was no record of a contact on theXX/XX/XXXX, and XXXX who had full documentation of that conversation.
Last year I bought flood insuance for my home. My mortgage company, knowing this also purchased over priced flood insurance that i neither wanted or needed. This caused a short fall in my escrow account which significantly raised my monthly payment.
It is unfortunate that consumer must file an additional complaint against Discover Card for violating consumers right to due process under the law. Consumer filed a complaint ( Case No : XXXX ) with Consumer Financial Protection Bureau ( CFPB ) on XXXX XX/XX/2018. Consumer Financial Protection Bureau ( CFPB ) sent the complaint to Discover Card at XXXX XX/XX/2018. Consumer made every conceivable effort to communicate with Discover Card prior to filing the complaint but had no positive outcome from the effort. Consumer felt it necessary to file a CFPB complaint against Discover Card for " harassing '', intimidating tactics Discover Card was using to frighten consumer. By filing a formal complaint through the portal of the CFPB, consumer was utilizing consumers right to " due process. '' However, representatives of Discover Card continue to display a blatant disregard for consumers rights and adopt a superior attitude that Discover can do whatever it wants outside the realms of the law on any level as demonstrated by sending consumer an " email ' to consumers " private domain '' email address on XX/XX/2018 at XXXX. At no time has consumer given Discover Card permission to send an email ( to a private domain ) outside the complaint " portal '' ( and perimeters ) of the CFPB. By engaging in such blatant disregard for the law, Discover Card is trying to devalue consumers right to due process of law. Consumer had no positive outcome by engaging in dialogue with Discover Card prior to filing a complaint with the CFPB, that is why consumer filed the complaint in the first place. Consumer will not forgo consumers right to due process at this juncture. Discover Card does not have the authority to resolve the matter outside the portal of the CFPB as consumers efforts to communicate prior to the complaint failed. Discover Card is taking liberty of contacting consumer through a private domain without consumers prior knowledge or consent and by doing so Discover Card representatives are engaging in unauthorized access of electronic mail which constitutes invasion of privacy and is a federal crime. At no time does consumer wish to communicate with Discover Card representatives beyond the portals of the Consumer Financial Protection Bureau ( CFPB ) or authorities. Discover Card representatives MUST stay within the perimeters of the CFPB or settle the matter in a court of law. Consumer ask that Discover Card representatives honor consumers right to peaceful enjoyment of consumers home, phone and private email domain. Consumer will  not respond to any emails. Attached to this complaint is the email consumer received ( XX/XX/2018 from Discover Card representative ) in consumers private email domain without prior consent from consumer. If Discover Card continues to send emails to consumer 's private domain consumer will be forced to hire an attorney. Consumer wishes to thank the CFPB for providing this venue of mediation. It is greatly appreciated.
I got an American Express Business gold rewards card with XXXX miles if i Spent XXXX dollars within 3 months. About a month in I had spent {$4000.00} dollars and my accounts were all suspended for a financial review. I was very prompt sending in all of the required documents and the financial review ended up still taking over two months due to the account manager taking a 2 week vacation in the middle of the review, without telling me. During these 2 months, the deadline to spend the {$5000.00} dollars passed. American express made it impossible for me to spend to money in order to earn the bonus. Getting the bonus was a huge decision in me choosing american express, and they suspended my account during most of the time in which I could meet the spending requirement. I filed a complaint with them but they are not doing anything. Since my account has been available for use again, I have met the {$5000.00} spending requirement, but have still not received the XXXX american express my rewards points. My spending deadline was XXXX XXXX, 2016. My account was put into financial review and frozen on XXXX XXXX, 2016. My account was unfrozen on XXXX XXXX, 2016.
Equifax blocked me from accessing credit history, it 's verification list auto loans and bank accounts I never had and then block me from accessing account claiming information does not match, there is obviously identity theft of my account I am not familiar with any car loan or bank account they try to verify prior to providing access to my credit report
I used a XXXX gift card to make a purchase at XXXX on XXXX XXXX, 2014. I maximized the value of the card, so I discarded it. On XXXX XXXX, I returned the merchandise to the vendor and a credit was issued to the gift card in the amount of {$39.00}. I contacted XXXX to find out how to get the credit and have been given the run around. XXXX, I was told to submit the first XXXX digits of the gift card number and the tracking number to the issuing bank. I got the numbers from the vendor and submitted tehinformation to US Bank National Association. I contacted XXXX again and was told to fax a copy of my return item receipt, my XXXX and XXXX name, telephone number, mailing address and email address to teh XXXX and XXXX Unit at XXXX. I faxed this information on XXXX XXXX, 2014. As of date, i have not received any credit or response from XXXX.
In two separate instances, this company has contacted my minor child. Latest attempt was XXXX/XXXX/2016.
I received a mailed promotion from Commerce Bank in  XXXX  for a credit card with a {$150.00} statement credit after spending {$500.00} within 3 months. By  XXXX   XXXX , I had reached over {$500.00} in spending. As of  XXXX   XXXX , I still have never received the {$150.00} credit.     I have called Commerce Bank multiple times over the past few months inquiring when I would receive the bonus. Every representative sees the promotion associated with the account, but they tell me to continue waiting. When I called after 2 months, they told me to wait another month. When I called after 3 months, they told me to wait another month. I feel like I 'm getting the runaround and they will never get around to giving me the credit.