WillisBack/dataset-financial-user-claim huggingface dataset:
I stopped payment on a private student loan with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. On XXXX XXXX, I and my co-borrower were sued by XXXX XXXX XXXX for non-payment. In XXXX XXXX, the case was dismissed by the XXXX County Clerk Court XXXX for non-suit as they brought suit against statute of limitations. On XXXX XXXX, Transworld Systems Incorporated has only verbally contacted via my place of employment. It has been over thirty days, I have not received notice of debt from this particular collection agency. They have attached the XXXX XXXX XXXX XXXX XXXX to my credit report and state that I owe {$41000.00}. I am disputing this amount and also attaching documents to where the matter was dismissed in county court. I have offered to settle with XXXX XXXX but to no avail.
Experian is reporting incorrectly my balance on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. Current balance of {$240.00} is incorrect and needs to be {$170.00} as the other two bureaus are accurately reporting.
On XXXX/XXXX/2018 I accidently sent {$610.00} from a Bitcoin cash wallet on Coinbase to a Bitcoin Wallet XXXX ) on XXXX. Here is the XXXX. I have tried reaching out to COinbase and XXXX for the last 4-5 days requesting that the funds be credited to the proper account. I have received no response from XXXX or Coinbase.
XX/XX/2018 XXXX XXXX  should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently
Mid West Recovery Systems Re:XXXX XXXX XXXX XXXX Mid West Recovery is listed on my Credit Report Claiming that I Owe a Payday loan to Their Client XXXX XXXX, I never took out any sort of loan with this company, they are demanding payment for Something that never happened, When I went online and did some research in Both of these companies it seems that they are running this kind of Scam on plenty of People Also Payday loans Are not even legal in NJ, I have No documents to upload as I never took this loan and Midwest Recovery will not send me anything
View " Document '' of " Display A ''. I endure harms since I have to depend on an exact and finish statement of my credit record and request that you expel the questioned things from my report promptly as you neglected to conform to the law. Otherwise, I will contact the Federal Trade Commission and inform them with respect to your evident carelessness for consumer security laws. I am asking for your help with putting a conclusion to this matter.
XX/XX/2019 My issue with GM financial was corrected with GM, I was sent a letter that my account was current and no payments were late. ( XXXX ) I asked GM to take care of my credit report as well. It is continuing to report 2 late payments and I am receiving notices we are credit risks because of it. I want my credit reports taken care of immediately. It is adversely affecting our financial statement. I called GM, and they said I should check at the end of the month, no our finances are being impacted now.
In XXXX 2015, SunTrust Bank notified us that they had returned a deposit we made to our checking account. The check for the deposit was not returned to the payor, but was actually paid when initially presented to the bank on which it was drawn. SunTrust 's return notice resulted in a negative balance in our checking account along with the pursuant penalties and fees. SunTrust has tacitly admitted culpability by voluntarily crediting all return and overdraft penalties and fees associated with this transaction. SunTrust has not replied to our XXXX written requests to remove the negative balance from our checking account. SunTrust will not explain how this paid deposit became a " returned '' item. Please help us get a response from SunTrust.
We purchased our home in XXXX and the loan was modified in XXXX as we had difficulty paying about {$3000.00} monthly for house that we purchased at {$360000.00}. 

We received a letter from our present mortgage company, Mr. Cooper dated XX/XX/XXXX stating that XX/XX/XXXX marks the anniversary of the successful completion of your loan modification. Congratulations on reaching this important milestone This letter is to remind you of some very important changes that will go in effect on the above anniversary date. 

It also stated that an interest rate of 4.000 % would be applied starting XX/XX/XXXX and a monthly payment of {$2300.00} would begin from XX/XX/XXXX with a total number of payments of XXXX. 

I am attaching a scanned copy of the aforesaid letter. 

Our present mortgage company, Mr. Cooper, formerly Nationstar Mortgage, is trying to talk us into a refinancing agreement that will cost us more ( including a closing cost of {$3300.00} and an yearly interest rate of 4.75 % instead of 4.000 % ) than continuing with the term stated in the aforesaid letter from Mr. Cooper dated XX/XX/XXXX. 

I am attaching a copy of the recent communication from XXXX XXXX, the Loan Processor of Mr. Cooper dated XX/XX/XXXX. 

XXXX XXXX contact information : Email address : XXXX XXXX address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX ; FAX : XXXX In spite of insisting them to act according to the letter and emailing its copy, they are not honoring the commitments made in the letter. 

We would want them to go by Mr. Cooper 's letter dated XX/XX/XXXX word by word by ( i ) bringing the monthly payment to {$2300.00}, ( ii ) fixing the total number of payments to XXXX starting XX/XX/XXXX, and ( iii ) adjusting the extra payments we have been making since XX/XX/XXXX till to date. 

We feel helpless against these giant money lenders and seek your kind help in straightening up the matter so we are not unnecessarily prejudiced.
I applied to have a loan from a company named Duvera Financial so I can paid for my Truck transmission repair for the amount of {$1500.00} in XX/XX/XXXX. I assume they told me 3 months without interest, but I undestood XXXX month without interest so I gave my XXXX XXXX XXXX account number and they withdrawn the monthly payments from XXXX to XXXX XXXX for the amount of {$280.00} each payment. So when I made the XXXX payment I found out that I was only XXXX month without interest not XXXX months so I asked for the amount to pay off the debt and they told me {$1000.00}. 
I asked my daughter to lend me a credit card to payoff and I did it on XXXX XXXX for the amount of {$1000.00}. 
Days later my daughter forgot about the payment and asked the bank for more info about this company, but they never retained/stooped the payment but they only asked more information to this company ( XXXX ). In this time ( XX/XX/XXXX ) XXXX XXXX deposited a temporary sum of {$1000.00} in my daughter 's account while they investigated the issue.That is the moment XXXX called me and said that now I owe them the sum of {$1300.00} to pay off the loan. So in XX/XX/XXXX I paid XXXX Financial the sum of {$1300.00} to stop any confusion and more interest charges. Also we asked XXXX XXXX to stop the investigation and we plead Duvera to return the over-payment they told us they needed more time and they promised they will return the money by the end of XXXX. In XXXX we claimed XXXX XXXX to proceed and return the over-payment of {$1000.00} since XXXX never responded to us. In XXXX XXXX XXXX finally returned the amount {$1000.00}. 
I received a call from XXXX now saying they are going to send to collection because I owe them the sum of {$29000.00} and if I do n't pay them they are going to proceed with the collection process.If I pay them the sum of {$290.00} they will send me a letter to cancel the debt.
Equifax responded to a Disputes for accounts that have been manually updated by them, and even when in the " Closed '' Status. The related dispute number is attached. 

I am the author of this dispute, and all information contained within it. 


XXXX, and in this requested EQ responded in the following manner -Equifax has reviewed the complaint and its records. Please be advised that once a Creditor has reported your account as closed, Equifax is unable to modify the activity designator field reporting on the Equifax Credit File. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " When Equifax updated these accounts ( please see the update dates, and the date these items were disputed ), I assert that they deleted the pay history. 

It must be noted that EQ updated the XXXX XXXX Payment History - to include Pay History through XX/XX/XXXX, even though this account has been closed and not reported by XXXX XXXX, since XX/XX/XXXX. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXXPlease note, that these accounts have been manually updated by EQ, at least 10 times. 

Online ... the pay history has been morphed to allow it to appear. Please see attached the XXXX Equifax Personal Solutions_ Credit Reports, Credit Scores , Protection Against Identity Theft and more.html pdf which shows the PAY history in the records. 

Then, the attached dispute results that show no pay history. Please see Equifax XXXX dispute results no Pay History.pdfBecause Pay Histories impact scores in such a harmful way, as the records are truly incomplete and use these data values to calculate Vantage and FICO scores, Equifax has the details to correct and complete the records in their systems as a whole - and not just in views, and must do so. 

This is not a request to delete the trade line, as they are positive. 

Instead it is a request for EQ to wholly correct its error in reporting in printed reports, that there is NO pay history for. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 300XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 500XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED
WHY WESTERN UNION RUNS AN ILLEGAL AND DECEPTIVE ORGANIZATION : ( 1 ) BECAUSE ALL THEIR FACILITIES LISTED ON THEIR WEBSITE ONLINE AS " AVAILABLE '' EITHER HAVE A SMALL DOLLAR AMOUNT LIMIT FOR PICK-UP OR ARE CLOSED EVEN THOUGH THEY ADVERTISE THEMSELVES AS " OPEN ; '' ( 2 ) ALL THEIR TELEPHONE OPERATORS ARE FROM XXXX AND DO N'T EITHER SPEAK OR UNDERSTAND XXXX ; ( 3 ) THEY PURPOSEFULLY MAKE IT HARD FOR YOU TO PICK UP YOUR MONEY SO THAT THEY CAN COLLECT AND KEEP THE DAILY INTEREST AND/OR HOPE THAT YOU GIVE UP AND LEAVE IT WITH THEM FOREVER, THUS ALSO GOING BACK INTO THEIR OWN ACCOUNTS FOR THEM TO KEEP.
I set up payment arrangements to get on a program. They agreed to place all my late payments on the back of the loan. Over the course of one month I made 3 payments totalling {$850.00}. Last week, I began receiving back to back collection calls. I spoke with a rep who said I was n't on a program. I told them to play the tape. They did. They told me that even though the rep I spoke with assured me that I was on the program, that I was not in fact on the program and would have to make another payment to be " considered '' for the program with no guarantee.
I just found out that there are XXXX liens on my primary residence by a creditor named XXXX. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this XXXX is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.
On XX/XX/2015 I went to the doctor ( XXXX ) I paid the co-pay at the time of service. I showed AR resources a copy of my receipt from XXXX. They continue to report that I owe this debt which is effecting my security cleareance
i was renting spot from a man to open a XXXX i pay him first month and a deposit i start open my place on the first month from the first day to the XXXX of the month my place was stolen five times they make me going out stock less in a month i have to move out and lost the place because i cant keep up now the landloard report me to the agency XXXX dollar dont know why kindly asking for help with this man please
The issue that I'm having with the credit companies is that the Bankruptcies which are dismissed on there, they are not willing to removed them. I have worked with XXXX XXXX in which they have sent them several letter pertaining to the issue and they still are not willing to removed them off of my credit report. After I talked to the Bankruptcy court they stated that they never provided them with any information about the Bankruptcy in which when I called XXXX  they told me that the court provided them information about my bankruptcy. I just want them taking off since I never when through with the Bankruptcy I just only filed them and that's it nothing else was done. There was not payment made or anything. It states a XXXX balance and dismissed.
XXXX XXXX XXXX XXXX recent review of my XXXX, and XXXX credit reports alerted me of a collection account that had already been resolved. On XXXX/XXXX/XXXX, it appears that Commonwealth Financial Systems re-reported the service from XXXX XXXX XXXX for the date of service XXXX/XXXX/XXXX in the amount of {$430.00} to all XXXX bureaus. In XXXX, I dealt with XXXX ( which bounced me around internally ) which was reporting at that time. I have attached information regarding where the payment was mailed. Unfortunately, more detailed specifics can not be generated from my prepaid account due to the age of the payment. Sometime last year XXXX XXXX XXXX, I was contacted again about it. When I advised that it was already paid, the conversation did not devolve into an argument and I thought records were finally updated and closed. Now this. 

Any record of this account needs to be re-deleted from all XXXX of my credit reports.
I called and said it was not me and they stop calling me but sold the account to someone and they reported it. I never had a credit card ever. I'm just starting to apply for cards. And they can't tell me where the card was used or for what it was used for. They have no proof but reported this to the credit bueral and they are dening me credit now. I'm XXXX the person that appied was in thier XXXX 's. This is not me and this is wrong.
T o Chexsystem My report is  showing inaccuracies. Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    ( Thes e are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED.
My husband XXXX XXXX XXXX, XXXX, is XXXX XXXX XXXX with a history of multiple XXXX XXXX and XXXX with impaired thinking due to XXXX. He is not able to manage his finances and is solely dependent on XXXX social security per month. He rode on a bicycle on XXXX XXXX, XXXX and acquired a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. The dealers falsified his income ( typed in ) with no verification of proof. They put his income as XXXX per month and that he has a job with XXXX XXXX ... ... None of this is true. They even completed his application on his behalf ( he is unable to write complete sentences and this can be verified by his personal physician ) to get his business. They then had him sign the contract. I tried to return the car XXXX days later and they would not accept it and the XXXX told him " GO GET A JOB ''. This is pure elder abuse. He is now XXXX months back on the payment and is unable to pay. The financial company ( TD Auto Finance, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) told him that they would auction the car and he is responsible for the remainder of the cost of the car. He is now XXXX months back on his payment and is unable to pay. Please help us in rectifying this issue. This is pure elder abuse. Thank you. 
Account # : XXXX. 
.
On  XXXX   XXXX  i visited  XXXX   XXXX  in  XXXX  Nc. I expressed to salesman i did not want multiple pulling of my report. Well it was pulled a total of  XXXX  times. Which drastically lowere d my credit score!   Reading FCRA it states automobile inqiries within a 14 day period shall cou nt as 1.  Experian,   XXXX    and  XXXX  are all reporting each individual inquiry, which in turn harmed my  credit score. I  have already filed complaint against the dealership for going against my wishes. The time between  XXXX   XXXX  to  XXXX   XXXX  my credit was continuosly requested. My complaint is the Credit Bureaus are reporting in error according to the FCRA.
I have received discharge order from bankruptcy court XX/XX/2000 
But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ).
servicer never applied payments properly from the months of XXXX ... they have been inaccurately reporting my payments as late when they were on time. ruining my fico score.
I am receiving repeated phone calls from XXXX XXXX XXXX. I don't know why they are contacting me because they never leave a message. They have called both before XXXX and after XXXX
I had a collection with EOS CCA from XXXX XXXX XXXX. At the time I received a call from the collection company I advised not to call me anymore unless they would do a pay for remova from my credit reports to which they agreed on XX/XX/XXXX for an amount of {$260.00}. Fast forward to XX/XX/XXXX after numerous calls and emails to supervisors and managers to tell me they dont do that which sounds like a complete lie. It is a breach of contract and I will pursue legal action if they do not uphold our verbal contract.
I originally had a credit card with them and paying around {$230.00} a month. I had sent XXXX check XX/XX/2012 and was told that neither were received. When checking my bank statement to verify if that were the case I noticed they were deducting {$650.00} a month for a life insurance policy. I never agreed to nor signed any type of documents for a policy or authorizing {$650.00} to be drafted from my account. I requested proof of the authorization or even a signed document for this policy and they indicated they did not have to provide because there were Bank of America. I then obtained an attorney to get this resolved. I refused to pay anything else to Bank of America until they provided me evidence of the life insurance policy and authorizing payments to be drafted from my account. The total amount they drafted for that bogus policy was {$6500.00} however, I agreed to not sue for the balance if they would settled the credit card for {$1200.00} and release any and all claims or is successors against me. My attorney has been trying to get them to respond and to date they still have not.
I have been working with Mortgage solutions of Colorado since my original submission from XXXX & XXXX of this year to resolve in loss mitigation options. Unfortunately, I feel neglected during this process as I feel as my responses and compliance with all requests are not being taken into consideration.
I am being requested to re-date certain applications, where they have failed to review in a timely manner. Why is it that I am in fault for documents that have been outdated due to their negligence?
ARS Account Resolution does not have a bond in Texas and can not legally collect a debt. They are violating the law and are completely disregarding the Fair Debt Collection Practices Act. This is my second complaint regarding this matter.      ARS  claimed to be a part of  XXXX   XXXX   XXXX   XXXX   XXXX , although the Texa s Secretary  of State does not have this information on file, which means that this company is using dishonesty as a scare tactic.     Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapte r 392 and may also be a criminal offense. Tex. Fin. Code 392.402.      I am in the process of filing a complaint with the BBB and the FTC for ARS Account Resolution 's BLATANT criminal behavior and underhanded attempts to try and break the law.    ARS is not LEGALLY able to collect any debt in TEXAS as ARS does NOT have a surety b ond, SO THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY or I will have to move forward with legal matters for  ARS 's failure to validate the debt, attempt at illegally collecting debt, and violation of HIPPA  laws.
On XXXX XXXX, XXXX I was charged for a pavement assessment fee at the sale closing of XXXX XXXX XXXX XXXX XXXX FL. The fee was paid to XXXX XXXX XXXX for assessment dated back to XXXX XXXX, XXXX. When we purchased the property in XXXX XXXX, XXXX, Island Title Company gave us a clear title to the property. I put in a claim to Island Title for reimbursement of the payment we paid to XXXX XXXX of {$980.00}. After several months of emails and phone calls for status of my claim I received a response letting me know that Island Title would offer me a settlement payment for a portion of the payment I paid which I agreed to accept. I have only received partial payment of that settlement agreed payment and have left several messages and sent several emails and have not heard back from Island Title. Island Title has defaulted on the payment agreement made to me and I am now seeking to receive the full payment due me of {$650.00}.
Hello CFPB, We just read about the multistate action involving  Ocwen Loan Servicing.  Is there a plan to provide consumers victimize d by Ocwen with a s hare of the fines levied  against Ocean?  In   XXXX   after Ocwen claimed we were behind in our escrow balance we initiated our own research and found our escrow account had been mishandled  by Ocwen. After m onths of effort on our part to get our escrow funds back and eventually refinancing our home, we got out from und er Ocwen and their thr eats to dramatically increase our mortgage payments.   We spoke with several attorneys in     XXXX   and they felt there must be many others affected by similar   Ocwen stunts but believed it was cheaper for us to refinance and move on.
Are previous customers of Ocwen going to receive any money for damages ( stress, lost time, lost money, etc. ) from this action? We are Maryland residents and would like to know how to file a claim.   Thank you.