WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was serviced by Residential Credit Solutions. I tried to work with them, including having the city foreclosure prevention office contact them while I was in the office. The city 's representative spoke to the same person I dealt with, and offered a {$10000.00} good faith payment with the request to help me modify my loan. The woman flat-out refused, and when I called her shortly afterward, she first denied having spoken to anyone, then said she had spoken to someone, but that no offer of money had been made ( I was sitting next to the man when he called her ; I did n't tell her that ). The loan was transferred so many times, the original loan documents were lost. The lender filed an Affidavit of Lost Documents with the court, which is how I found out. I went to my foreclosure hearing and brought up the lost documents to the judge, XXXX XXXX. His response : " They 'll find them. '' He signed the foreclosure order promptly. I continued to try to work with them, even finding a company who tried to negotiate with them with me on the conference call. The Residential Credit Solutions representative was very friendly, very nice, and said he would work with us to have the foreclosure order cancelled. Not long after, I learned that my house was being sold in a week, and it was. 
I tried before, during, and after the foreclosure right up until the house was sold to get anyone to help. I came across this site today just making another query to be certain I had exhausted all my options. My issues are : 1 ) the company did not operate in good faith when they refused the offer of money to partially cure the outstanding payments ; 2 ) the company similarly did not show good faith when an offer to cancel the foreclosure order was made to me and I was lead to believe they were working with me, when all they were doing was stalling until the sale ; 3 ) the original loan documents were never produced, although someone signed an affidavit stating he/she " personally '' was involved in the sale ( which was not possible since the loan had been sold and transferred long after the sale ). 
When I read about the order for penalties against Residential Credit Solutions, I was hopeful there would be some recourse for me. Losing a home is traumatic, but losing XXXX due to someone 's unscrupulous, unethical, and deceitful practice makes it that much worse.
I opened an American Express XXXX rewards account back in 2011. Recently, American Express sold the XXXX loan portfolio to XXXX due to XXXX dropping American Express at their stores. When I recently viewed my credit bureau report with XXXX, American Express is failing to accurately report my credit history from XXXX to XXXX. Specifically, they are not reporting my monthly balance, my monthly payment, or how I paid the account. When I went on XXXX 's XXXX page, others are reporting the same problem. Many are stating their credit scores have dropped by XXXX-XXXX points. Mine has dropped as well. American Express should accurately report the customer 's credit history despite the loan transferring to XXXX. It seems like a really manipulative way to get back at XXXX for not renewing their contract. While I have filed a dispute with XXXX, I believe the Consumer Financial Protection bureau should be made aware of the situation anyhow. Plus, American Express should report my credit history accurately on all XXXX of my credit bureaus. Lowering my credit score could cause me and other consumers to pay higher amounts in interest on future loans.
I have been a victim of identity fraud. I have never had any apartments in my name. I've recently been working to get everything cleared up on my credit, I have filed an FTC report, a police report, I submitted numerous documents that have my correct information on it noting where I lived during the time of the fraud, a driver 's license and a copy of my social security card. I have disputed the accounts numerous times with XXXX and they will not help me at all. They keep saying I own the accounts when I do not own the accounts. The other bureaus have cleared my record and have been most helpful with getting this issue resolved, but XXXX  does not care to help me. I've called multiple times and spoke with numerous representatives to no avail. I need these fraudulent accounts removed from my credit report, I can't afford a lawyer since I am a college student. I dont know how many times I have to dispute the accounts with XXXX. Please help I thought the ftc report would help prove my case, but XXXX doesn't care about that or my police report submitted. The accounts that have not been removed are National Credit Systems for {$90.00} and National Credit systems for {$11000.00} and NCC business services for {$3600.00}.
DATE : XX/XX/2017 Amount : {$10000.00} Sitauation : Sister searching for used car, loan was supposed to be {$9000.00} total, but due to aggressive sales tactics, my Mother and Sister agreed to have the warranty put onto the loan, which I would have avised against. 

Approximately 2 weeks after buying the car, my Mother and Sister read an article about the car they had just purchased, a XXXX, was having a recall due to frequent transmission failures on the vehicle. My Sister then tried to use the warranty she had purchased to return the car free of charge to be given a replacement transmission. This request was denied. 

Issue 1 : XXXX XXXX XXXX knowingly sold a car currently under recall to consumers, and sold a faulty warranty to these consumers, offering no protection. 

Issue 2 : XXXX XXXX XXXX ( XXXX, IN ) requested auto loans to 6 different credit agencies, causing 6 different credit checks to be place on my sister 's and my credit reports. Acourding to XXXX my credit dropped 45 points because of the incident. If I, the cosigner, would have known 6 hits on my credit were to happen, I would have applied for the loan myself in my own name at my own bank. This is careless, and quite frankly, willingly ignorant for a company to take this action.
Please help.
Mtg was transferred and after this was done I was clocked from seeing statements and tax information from the selling mtg company
Credit Collection Services is contacting me regarding debt for XXXX XXXX XXXX. I have never had XXXX XXXX of any kind, and have had the same insurance for the last 5 years, which is XXXX XXXX.
We recently checked my credit report on XXXX 2015 and I was not aware that their are XXXX accounts that was open and did not know about.
On XXXX XXXX 2015 I filed a dispute with Bank Of America for a XXXX charge for a company that promised delivery by XXXX XXXX, which was within the 120 day period. Bank Of America Admits that they got the information to the Merchants credit card LATE, and because of their late submission I am out the XXXX. I will refuse to pay off that XXXX, which will now result in my credit being damaged.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX XXXX XXXX MN XXXX XXXX XXXX TX Navy Federal FCU placed 2 inquiries instead of 1 XX/XX/2017 Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
In XXXX XXXX I had an American Express, XXXX XXXX credit card. In XX/XX/XXXX I canceled the card for I was not traveling as much anymore. In XX/XX/XXXX I received an offer for a new XXXX XXXX American Express credit card. The offer stated I would get XXXX bonus XXXX XXXX points after spending {$750.00} in the first three months. I applied on line, and received the card inXX/XX/XXXX ( American Express letter datedXX/XX/XXXX ). Neither the initial offer nor the letter accompanying the card mentioned any restrictions related to the XXXX bonus points. Out of abundance of caution, before using the card for the first time, I called American Express and I was told by the agent that I was qualified for the XXXX bonus points. However, after spending the requested amount I did not receive the bonus. I called American Express, and I was told that it would take 6 to 8 weeks to get it. The bonus was never posted to my XXXX account, so onXX/XX/XXXXI called again. This time I was told that I did not qualify for the bonus because I previously had a similar card. On XX/XX/XXXX I contacted American Express for the last time. I tried to use e-mail, to have a written proof of the discussion, but this form of communication is not supported by the American Express web-site. So I had to use online chat. I explained the situation, but the agent wrote back that I was not qualified for the bonus. She provided a pointer to American Express terms and conditions. The documents referred to by the agent are enclosed. Neither one mentions the restriction invoked by the last two agents I communicated with.
In my opinion American Express has the OBLIGATION to give me the XXXX XXXX XXXX bonus points for the following reasons : -The offer sent to me did not mention any restrictions related to previously having a similar card.
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-I met the requirements of the offer ( I spent over {$750.00} in the first three months ).
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-Two American Express agents confirmed that I was qualified for the bonus.
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-The Terms Conditions documents provided to me by an American Express agent did not mention that restriction either.
Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.
I bought a power supply from XXXX XXXX with my Chase Credit Card because of all the alleged protection services, but I was n't able to return it to XXXX XXXX because they limit returns to 15 days. Chase offers protection for purchases for returns up to 90 days, so I contacted them. They told me to file a claim at their external website. So I did, after I did, it said It 'd take up to a week for them to respond. Two weeks passed, no response, so I emailed them, and they said 3 business days, yet still no response after 2 weeks. I called them, and they looked up my case and the rep was completely unhelpful. I asked how long it 'd take, it 's been a month, she said I do n't know. I asked for an ETA she said a week so I left it at that. It 's been an additional two months and they never reached out to me, never responded to my email, and nothing has been done. I looked up their return protection services online and it seems to be just a sham and false advertising.
They are reporting to my credit that I have late/missed payments when this was discharged in BK in 2012
A. Received voicemails that were unclear. B. Received letters indicating different amounts of debt -- -1st {$600.00} then {$5000.00} ( approx. ). 
C. Never received statement of presumed debt from presumed original creditor. 
D. Never received notice of validation. 
E, An erroneous credit report was filed Company is Wakefield and Associates-XXXX, Colorado
In 2015, my partner lost his job, his sister died at the age of XXXX and a XXXX on me. In the midst of all this going on we had a few returned checks at the XXXX. They were placed with Meade and Associates in XXXX Ohio. I spoke to a lady named XXXX who said that I could pay the checks off a few at a time and she would work with me. On XXXX XXXX, 2015 I receive a call at work from XXXX a collector at Meade and Associates. He said he was turning them over to the courts of XXXX County and wanted to give me the opportunity to make them right. I said I could pay half of the balance in XXXX payments and he said no. He said that if I did not give him a debit card number to hold or debit card number he would turn them over to the court house. There website stated that they work with people. I said that I would call him back with the information on the card. I work as a XXXX and I thought, try and work it out. I called back and asked for a supervisor. I spoke to a gentleman and explained the situation. The man said " let me put you on hold and see what I can do and get approval ''. I was on hold and voice audex came on and said now being transferred. XXXX who originally called me picked up and began yelling at me and then screaming at me saying what do n't you understand etc. I ended up giving him my debit card number and said this will be my car payment plus other bills, he said ok I will turn them over to the XXXX County Prosecutors office then. I have spoken with the prosecutors office and the lady was nice, she said they do n't need to use their office to bully people. I ended up researching Meade and Associates and their are numerous complaints. I own the debt will right the wrong but do n't scream at me at work and threaten me. This XXXX has done this to other consumers and I would like to know why he is still employed there. My understanding is the Ohio Attorney General has been contacted before but nothing done. Why? Can all these consumers placed in collections be wrong? XXXX XXXX is by far collecting in a thug like mentality and it is not ok. I plan on contacting the XXXX County Prosecutors Office again in a written letter form and advise them that this individual needs to stop using their office as his own personal collection tool. Meade and Associates are located at XXXX XXXX XXXX XXXX Ohio, again if you research you will see that I am not the only one who has been screamed at threatened. They say they record the conversations but lets be real, they can record portions of what they want to be heard. All of these people that I have researched are not going to have the same story.
I 've been a Citi credit card member for years. In XXXX 2016, I was late for my payment ( due on XXXX XXXX ) because I thought I already scheduled a payment but actually I did n't. When I realized it, I paid all my balance on XXXX XXXX. Since this is the first time I was late for my payment, I was hoping Citi can waive the late payment fee as a goodwill to a customer who is always making payment on time for years. I called the customer service and was told they can issue a credit for the late payment fee after the payment is posted. But when I called them again, XXXX days after the payment posted, I was told they ca n't have the late payment fee waived or credited.
I have never heard of this company nor have I ever had any business dealings with them. They have placed negative reporting on my credit report causing my credit report to go down tremendously.
I wanted to get my free credit reports online, from the three credit reporting agencies, using the website XXXX. There was some sort of glitch and the website said I could not get them online, that it would mail them to me. Then I tried calling using the number XXXX to talk to someone so I could get the reports online. This is an automated line and it said it would mail them to me. My complaint is there is no phone number for customer service or their corporate offices to redress any of my issues with their website.
There are several things on all XXXX of my credit reports ( Equifax , XXXX and XXXX ) that are inconsistent with each other. I understand that different creditors report with different agencies however, I am trying to repair my credit and I 've been unable to obtain even a local department store card.
Comenity Capital Bank have continued to call me blocking their number and I have continuously asked them to stop calling and they will call and the calls are a few minutes apart every hour. The last time I answered the call the person did not verify who he was speaking with and then proceeded to ask if I had an attorney in regards to my bills for the cards I have with them. The calls have been everyday. Each card is for a different amount.
Wellsfargo bought out the prior company that managed Dillards and I was no longer getting my bills. Account was paid off during transition and then I made a purchase but never received the bill. Now they are reporting it late. A lot of my info did not transfer over from the XXXX company to WF
I have received numerous complaints from friends and family members that this company is contacting them several times a month. I do n't know how they have my friends and family members phone numbers, but it is uncalled for. They are feeling threatened and harassed. 
I researched the company and it states they are a collection agency for XXXX XXXX. I do not have a student loan with XXXX XXXX. Furthermore, my student loan is auto-drafted, so I know it is current and not in default.
To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, Equifax, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.
I have XXXX accounts XXXX XXXX XXXX XXXXXXXX Bank of America XXXX XXXX XXXX services But on my report they show only XXXX accounts and that 's the reason my score went low
I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times and will have to take this up with the better business bureau and FTC as it’s not being corrected . XXXX has failed to remove an account who the original creditor XXXX agreed to have it deleted but XXXX has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX  conducted stated they would.
on XX/XX/XXXX I paid XXXX the balance on my Discover credit card. on XX/XX/XXXX I had an email conversation with a Discover rep, requesting that my account be closed. The rep indicated at that time that she had closed the account. 
Unfortunately, I forgot to cancel a recurring payment at my online bank, so a payment of {$200.00} was made, then the next day I got an email from Discover about an increase to my credit line. I just logged into their website to see that I have a balance of $ XXXX ... they deducted {$40.00} from my payment for interest charges - on an account that I had requested be closed, after paying it down to a {$0.00} balance. The rep who told me the account was closed on XX/XX/XXXX made absolutely no mention that further charges would be applied to the account. I opened a chat with another Discover rep to request that, since my account was supposed to have previously been closed, my {$200.00} be refunded to me and the account closed. She did close the account, but is only refunding the {$150.00}. I feel that the entire {$200.00} should be refunded, as the account closure mistake was theirs, not mine. I have an email dated XX/XX/XXXX from a Discover rep confirming that she had closed my account.
I first got into trouble with making student loan after receiving a forbearance or deferment from First Associates of a few months. Things did not get better with me in that time and their lower payment options were just under {$100.00} which I could not afford that either, But I attempted for 3 or 4 months to pay as agreed but just could not keep up without letting something else go. I communicated this to them, however it was to no avail. The help they give is not really help at all.
XXXX Card had sent XXXX Inquiries for the following dates that were not authorized by me -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have spoken to them countless times and they agree they would send to Transunion but have never done so to my knowledge.