WillisBack/dataset-financial-user-claim huggingface dataset:
I have a past due debt with jared 's. I became ill 12 months ago and have had difficulty with their insurance protection company not accepting my paperwork and refusing to open a claim. In the process I have made all attempts to make minimal payments, but unable to do so any longer. Jared 's has called 20 times per day, and now they are contacting my family members and disclosing information about our debt. They have called my spouses employer in an attempt to contact me. They are also calling under false pretenses. Pretending to be a tire service and other insurance companies as XXXX and banks, XXXX XXXX. They are also calling and not identifying themselves on caller ID.
Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. XXXX XXXX was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XXXX XXXX XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. Trans union says verified on XXXX XXXXXXXX XXXX. XXXX says verified on XXXX XXXXXXXX XXXX.
On XXXX I deposited an insurance claim check ( signed by my mortgage company and myself ) into a BBVA Compass ATM at XXXX XXXX XXXX XXXX XXXX CO XXXX. I then received a letter on XXXX stating that " multiple payees-payee not an account owner ''. On Monday XXXX I called the customer service line and they were able to pull up an image of the check and stated that there was no reason why this check could not be deposited. I had the check image faxed to the BBVA branch at XXXX XXXX XXXX XXXX and then went into the branch to speak to a supervisor. When I got to the bank I asked for a supervisor, XXXX XXXX who was completely incompitant stated she was a supervisor and would try and answer my questions. Come to find out she is only a Sales Advisor and completely misrepresented herself. After showing her all of my documentation and explaining the issue she stated that the checks in the ATM are not picked up until Thursdays and that there is nothing they would do. She refused to obtain the check prior to Thursday and would not explain why. She verified that they have an image of the check both front and back and that she could see XXXX signatures, However they needed the physical check which was in the ATM. I stated that there was no sign of any kind on the ATM telling customers that if you are depositing an insurance check or check with multiple payees that it should be taken inside. She has no response. When I asked her why I am able to make deposits with my phone and they deposit those checks with images only yet they can not do that now even thought they have the physical check in their custody she stated they just could n't. It is completely unreasonable to tell a customer that they can not make certain deposits at the ATM after the fact when there is no sign, and no notification what so ever. After returning home I called the customer service line again. I was again informed that there was no reason for the bank to not deposit the check and that it was " already in route back to me '' I asked how this was possible after I was told by XXXX that they could not access the check until Thursday. The customer service rep stated she did not know. It is obvious that XXXX XXXX is unethical and a lier. She misrepresented herself and lied about the whereabouts of the check.
My mortgage lender, Planet Home Lending, contacted me about refinancing my existing VA Home Loan. I decided to pursue a cash-out refinance with Planet Home Lending and during the closing ( XXXX XXXX, 2015 ), I was made aware that the money in my current escrow account ( $ XXXX+ ) would be used to pay my real estate taxes ( due XXXX 2015 ). During the closing, I noticed I was charged another {$4100.00} for escrow to pay the taxes ( due XX/XX/XXXX ). I called the loan officer ( XXXX XXXX ) and he informed me that it 's imperative to get the loan closed, and he would research the issue and get me my refund of the Escrow. To date, Planet Home Lending has paid me {$240.00} ( balance between taxes due which was {$3200.00} and the total amount in the escrow which was {$3400.00} ). However, they charged me the {$4100.00} to pay the taxes again and they have flat out refused to refund my escrow of {$3200.00}. To make matters worse, I am paying on a loan that includes the additional escrow amount that should be refunded to me. I really need help resolving this issue.
XXXX XXXXs failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to XXXX for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXXs failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata,  under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or  judgments of any kind in this matter having herein been already decided.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.
I sent Experian a dispute letter asking for my loans ( Acct : XXXX and XXXX ) listed as transferred from XXXX to be removed from my credit report immediately. I also sent them a copy of my letter I was sending to XXXX XXXX Exhibit D ''. I sent the dispute by certified Mail ( Exhibit XXXX '' ). I contacted XXXX XXXX and XXXX and they said that Experian never contacted them. XXXX weeks ago, I received notice from Experian that they investigated and no change to my credit report was needed after investigation. It is very clear they did not investigate, because XXXX and XXXX was never notified as well as my proof of deletion letter from them did not allow Experian to delete the accounts.
I continuously tried to explain to the representative that this was NOT my debt!! I also explained to them that I am in the process of getting a home loan and it is creating a problem for me to get my loan.. Due to the fact that it was stopping me from qualifying for my home loan I just decided to pay them.. But still acknowledging it was NOT my debt! But I needed to get this house for my family I just paid them to get this off of my report.
This company repeatedly calls me at work. and they leave a message on my work phone that it is about a debt. My voicemail clearly states the number is for a company. It is not my personal phone.
New public record/ child support law took affect XX/XX/2017 since then I have been writing, faxing and calling in to get items that are reporting to my credit bureau file invalidly removed and XXXX  and Experian have refused to compile with states law. IL Dept of HC and  Family services is child support which is reporting invalid account status, dates, amounts and to my knowledge is not suppose to appear on files any more because account does not have any contractual agreement for services or products offered and XXXX XXXX XXXX is not my account I do not recall having any services or contract with this company. Other account that appear on Experian only that need to be removed in addition to the two mentioned above are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Hello, In XX/XX/XXXX I made a payment that was past the due date, and Loancare, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing Loancare a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, Loancare took over the servicing of my account from XXXX XXXX XXXX at the end of XX/XX/XXXX just before this incident. This was a poor transition and I never received any information from Loancare instructing how payments and late payments would be handled going forward.
Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Ally Financial ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Ally Financial is still currently reporting on my XXXX   credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
This is the second time I am reporting and issue with how Equifax is handling a dispute on my credit report. I previously reported this same issue in XX/XX/XXXX. After reporting to CFPB the fraudulent collect was removed from my report. Equifax has listed the same collection on my report as of XX/XX/XXXX and will not remove. 

The fraudulent collection is from XXXX XXXX, they are attempting to collect a balance from my past account with XXXX for {$370.00}. The amount they are trying to collect is for phones that were allegedly not returned to XXXX at the ned of my contact. Collections began by XXXX and this company in XXXX and I have provided proof of return on multiple occasions. The proof of the return phone is a receipt from the XXXX store where the phone were initially purchased and returned. XXXX and the collections agency are saying the phone did not reach and internal warehouse and I would need to return to the store to track further. My responsibility was to return to XXXX, which was done at one of their corporate locations. The receipt from their corporate store listing both phones returned was provided to XXXX, XXXX XXXX and Equifax and prove beyond doubt that the phone were returned. 

This is fraudulent collections plain an simple. Equifax removed this dispute after CFPB intervened in XX/XX/XXXX. Equifax has decided to allow reporting a second time which is fraudulent on their part as they have previously acknowledge the debt not to be valid. There should be ramifications and penalty to Equifax for not maintaining a standard of protection for consumers. Participating and encouraging fraudulent reporting should carry penalties for this company.
I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my Equifax, XXXX and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.
I ran into hard times and kept in contact with the lender. Every other phone call they were threatening to sue. When I spoke with them two weeks ago I told them I would pay this week. However they could n't wait and I received the papers they were suing me last Friday ( XXXX ). Even after serving me, they continued to call and I spoke with a representative that same day and she never referenced the fact that they were suing me. I find it repulsive that they would do this to a loyal customer who has had three loans with the company. One of them has been paid off, one has a balance of less than {$500.00} ( for which they are suing me ) and another one that I 'm working hard to bring current. 

Yesterday ( Monday ) I was informed by a neighbor that she was contacted by XXXX at First Heritage and was told to give me the message that she was trying to contact me. The law says that they can only contact other people when they believe I have relocated and/or they ca n't find me - and they are only allowed to do it once. Needless to say that is NOT the case since I spoke with them Friday and the fact that they left a message with my neighbor further violates the law. This is the 2nd time they have done this. The first time XXXX called my neighbor less than a week after I had spoken to someone in their office. 

They are also texting me - something else I do n't understand since I speak to them at least once a week. I never gave them permission to text me and I no one in their office has stepped up to pay the rates associated with such texts. No, I do n't talk to them daily because all they do is threaten me and continue to ask for what I do n't have. I was working with their office and keeping the accounts no more than two months behind. I was told by their rep XXXX that I should pay on the secured account the last time I paid and that I could pay the loan account the next time. All that did was manipulate me into being three months behind on one of the accounts so they could then sue me. 

This is harassment and it 's invasive and embarrassing. There was no reason for them to ( 1 ) sue me and ( 2 ) contact my neighbor and leave a message with her regarding MY loan. This has got to stop!!!
Equifax provided a credit score to multiple financial lending companies and specifically reported a score to XXXX on XXXX XXXX, 2015 that was XXXX points lower that the credit I received directly from Equifax. They provided a score of XXXX and I have specific documentation related to that incorrect reporting data. In addition, I have additional request prior to and after that data error reporting incident in which this particular reporting agency adjusted dramatically the credit score. In effect, they are adjusting arbitrarily a consumers credit score without regard to the outcome of the consumer.
Dear CFPB I 'm extremely disappointed on how Discover conveys information to customers like myself. Neither the monthly statement nor Discover credit card website indicates ANYWHERE the expiring date of the promotional APR rate. I have contacted Discover live chat service last Saturday asking when the promotional rate would expire and where I could find this information. The answers were that promotional rate was already expired on XXXX XXXX and that this information would have been available ONLY in the initial welcome documents. This is unfair and unacceptable in my point of view. All other major credit card companies do explicitly indicate both in the monthly statements and in the website the expiring date informing as such properly the customers to avoid occurring interest charges. Actually the statement ending on XXXX XXXX was still indicating 0 % APR on the balance and there was NO WARNINGS whatsoever that it was the last period at 0 %. I 'm afraid to say that the lack of info seems done by Discover on purpose to have as much as possible customers carrying forward their balance outside the promotional period therefore ( consent me the strong statement ) with a deliberate dishonest attitude by Discover. I asked Discover management to reconsider the interest charged and bring them to XXXX since as a matter of fact no information was provided in the website and in the monthly statements with regard the expiring date of the promotional rate but at the moment there was no concrete action from Discover side except to thank me about the feedback and confirming they are striving to provide an excellent service to their customers. I confirmed to them my disappoint about their suspicious lack of information. 
Regards
This Company was hired by XXXX XXXX XXXX XXXX who I was forced to use by my doctor XXXX XXXX, for two dates of service they submitted the bill to XXXX XXXX XXXX XXXX XXXX in 2016 For the mount of XXXX They were paid by a check for their services then they came back and said they were billing three years later for another date of service that I had XXXX XXXX supposedly paid to me I still cant find a copy of that check which I requested from XXXX XXXX, However I paid them back via XXXX XXXX in my settlement {$240.00} this should of never been sold to a third party as its medical records and they are violating Hippa and they were paid. The lawyer threatened to sue me for the difference,
On XX/XX/XXXX I faxed American Express XXXX Team, an Government ID, a receipt with temporary card serial number, and my current address. Each time I call customer service they have an excuse as to why they can not process the replacement card for my lost card that has {$100.00} balance. The CSR always tells me the ID is wrong type, or the ID is not clear or the ID is dark. And they also said my address is not acceptable. 
I have repeatedly sent fax after fax with a different government ID each time. I have faxed a State college ID, and 2 Veterans ID Cards, all with pictures and personal information. 
I sent a fax onXX/XX/XXXX, and one on XX/XX/XXXX. 
In my opinion they are practicing fraud. In my opinion they are stealing personal information. 
They want all of my private information and do not give me the money that was refunded back to the card from XXXX XXXX XXXX, in XX/XX/XXXX. I demand the money be returned to me immediately. 
I have called over and over to try to get my money sent to me. 
I have paid for fax services FIVE TIMES. 
I have faxed XXXX XXXX at FAX : XXXX and have not received any response from the XXXX. 
I am paying for faxing and each time the incompetent XXXX gives me another excuse. 
I have told them I do not have any utilities in my name. I gave them my address from a shipping label that is from a package shipped to me. 
I am a XXXX veteran and I do not feel this company cares one bit about the customer and has extremely poor service. 
I do not have a permanent home. I want the cash money wired to me or mailed to my P.O. Box.
Hi iv deposited a considerable amount of money into my coinbase account and have been locked out of my account since with no access to my funds. I have contacted customer service several times by phone and email. They say someone will be in touch but have had no reply yet. I have tried all the steps on their website and colleagues nothing seems to work. I spoke to an advisor on the phone and asked to speak to a manager and was told no one was available and when asked for the managers name I was told I cant be given it. I am begging for assistance- cant sleep at the moment my case number is # XXXX
A company known as informative research based in XXXX XXXX California ( XXXX ). Pulled my credit four ( 4 ) times. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I hired a company called XXXX XXXX which provided me templates to mail and dispute. These items. The responses I received requested more information as they claim to be a 3rd party. To date I havent been able to determine where these particular inquiries came from, or why they pulled my credit 4 times in 4 months.
Granite State Management never sent the invoices to my correct address. They sent invoices to my father XXXX XXXX 's address in XX/XX/XXXX. I was living in XXXX XXXX, NV from XX/XX/XXXXXXXXXX/XX/XXXX and I now live in XXXX XXXX, CA. I never received any bills or invoices. Furthermore, they never emailed me, called me, faxed me or contacted me. They have zero accurate information about me. 

I only knew about the invoices when I came back from visiting XXXX XXXX in XX/XX/XXXX to my parents home address. By that time, Granite State Management had already had my invoices as 120 days late. 

I paid immediately the amount due and I have never missed a payment when made aware of the invoices. This can easily be seen with my account balance history. However, Granite State Management REFUSES to change these late payments and correct them. I filed multiple disputes with all 3 credit report agencies and none of them will make any changes because Granite State Management will not make the corrections. I never received any invoices or bills from Granite State Management. I was living in Nevada and can prove my residency from XX/XX/XXXX on. I was also never contacted. Granite State Management never spoke with me directly once. 

I have never made a late payment in regards to this account and never will. Granite State Management needs to correct the late payments and remove them. I can provide and will provide all documentation needed.