WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX Experian said in there relief on original case XXXX they would remove the XXXX XXXX credit cards that are not mine. I have a updated XXXX/XXXX/2017 credit report from experian they do n't have to listen to you. they not removing these XXXX fake XXXX accounts from my credit report. if you could contact them about the relief they told your agency. It would be greatly helpful. They are on my credit and ruining my credit because they will not do what is needed and what they said they would do. I do n't know how to show they file from my first case information in case XXXX.
I have had a reverse mortgage with XXXX for well over 11 years, and I have been in full compliance with the provisions. They have been calling my home daily for the past year at XXXXXXXX XXXX EST, despite my request to please stop calling. I had a letter sent to XXXX from my attorney to advise them to please stop calling, as this is harassment. I am XXXX years old, and their calls are abusive, harassing and an infringement of the privilege of being able to call my home. There must be some guidelines for this type of behavior on the part of a financial institution.
I received a pre-approval letter from a company called mobiloans early in this month and accepted. I was asked to send in a voided check as well as an authorization form allowing them to make ACH transactions on my account. I sent all the info as requested and supposedly the information was updated as I got a confirmation email. So I requested funds on monday the XXXX of XXXX 2016 to give me enough time to receive it by the time I needed it ( XXXX XXXX 2016 ). They promise to have the funds in your account by the next business day but two days later ( today ) I hadnt recived the funds so I called their customer service line and recived the worst customer service ever! The people told me basically that the agent who made the update to my account did it wrong and because of this I had to wait till they received the money back before I could request it again pretty much leaving me to deal with my issues of not being able to handle my emergency in time which was the whole purpose of using the service to begin with.
Around XXXX XX/XX/2015 I noticed a collection debt from Collection Bureau Services , Inc, in lieu of XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX to find out who they were and why they were showing up on my credit report. they explained that my ex-wife had care there. I asked what that had to do with me, not only where we divorced, but the divorce decree said she had to have her own insurance long before this visit. I was told I had to take it up with the collection agency. I called them and spoke to a XXXX XXXX who informed me that if I showed the signed decree they would remove it from my name. So, I sent the collection agency a signed letter ordering to cease and desist all communications and to remove my name from her bill. enclosed i sent the agreement which stated that she was to hold her own insurance from about 5 months prior to her eye visit. They then sent me a letter stating " validation of dept ''. I called them, and they said, " well, XXXX validated it, and said you owe it. '' I then called XXXX XXXX and spoke to XXXX, she said, " sorry, you have to take it up with the collection bureau '' and then hung up the phone on me. Not only were we divorced, but the agreement says she was to have her own health insurance. XXXX XXXX is trying to claim that since she " used '' my insurance that is why I am liable. I do n't know if tri-care paid anything prior to this visit or not, but nothing was every authorized. And I was never her medical care giver or provider.
This. company Medical Data Systems appears on my credit report for {$2400.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
On XX/XX/XXXX Advisa Mortgage and XXXX XXXX of Texas put me in a home that they knew that my income could't cover for the VA Mortgage and home expenses and bills. Advisa Mortgage and XXXX XXXX XXXX knew that my income was not insufficient to pay Va Mortgage and home expenses and bills. As I am Divorced and living alone in my new home and been XXXX XXXX and not receiving Social Security XXXX benefits. I provide to lender my XXXX XXXX XXXX letter and paystubs in which Federal Taxes was n't been debited from XX/XX/XXXX. Lender and Builder fail to disclose VA Administration my correct XXXX Lifetime Pension income with Federal Taxes not been debited.I owed the IRS {$9100.00} and have payment arrangement of {$120.00} a month for tax debt years XX/XX/XXXX. A Emergency VA Loan Modification should be implemented immediately so I can have a affordable mortgage payments. A comfortable and less strained VA Mortgage monthly payments of {$900.00} to {$1100.00} with property taxes and home insurance will ease my financial hardship and struggles.
Lenders can implement Grants to cover for any loss and pay for all lost dividends for investors. Can First Continental and XXXX XXXX implement a Grant to give me a Grant Certificate to pay for my property taxes and keep my VA Mortgage affordable for 30 years? My close of escrow was on XX/XX/XXXX. I am XXXX XXXX and Retired .I am Divorced and live alone in my home.I do n't Receive Social Security Benefits.
ARS Account Resolution, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Three unauthorized credit inquiries for medical bills in the amount of {$340.00}, {$290.00}, and {$970.00}. XXXX XXXX. XXXX XXXX is using my social security number to advance funding and conceal fraud with my medical bill from my XXXX on XXXX, mortgage and income tax fraud with XXXX for property address XXXX XXXX XXXX, XXXX, VA XXXX, knowledge of IRS Valuation XXXX forms that were sent to the IRS, check fraud payments with XXXX that has resulted in a {$170.00} million class action suit revenue that is due from the IRS, fraud of phone bills payment with XXXX XXXX, and forgery and fraud with XXXX and XXXX XXXX XXXX, and knowledge of XXXX letter that was sent on XX/XX/XXXX, fraud with XXXX, and release of information from the City of XXXX XXXX XXXX Department. I am imposing a {$560000.00} denied participation fee for this entity. XXXX XXXX XXXX
To whom it may concern good afternoon I have a huge issue with Ditech XXXX account number of my loan is # XXXX The phone number is XXXX and their address is XXXX XXXX  XXXX XXXX XXXX Washington, XXXX XXXX United States On XX/XX/2017 I had to call Ditech XXXX to found out what my pay off is, they told me a payoff of {$1800.00} they also told me that the company policy I could not make the payment like I normally do on the computer or online I would have to mail my check with the payoff letter that they were going to send me in the email to a different location office on XXXX XXXX in XXXX Illinois the letter that they sent me was generated on XX/XX/XXXX I got the letter in the mail I cut a check for {$1800.00} for the pay off amount which you would see in my evidence file Im forwarding to you come to found out on XXXX XXXX the second day they generated the payoff letter my payoff had increase because they decided to pay my property taxes for XXXX XXXX of XXXX XXXX when they got my {$1800.00} check they never cashed it, I got call from them In the middle of XXXX telling me that I was delinquent on my mortgage when I question why so they told me that the payoff had changed I ask them why did not you and please cash the check I wouldnt of been late on my XXXX payment plus I never instructed you to pay my taxes after me paying off the whole loan with you We have no more business to conduct together they kept telling me that they will have a manager contact me and XXXX this matter out never heard from anyone what there are trying to do to me now Is ruining my life and Report to the credit agenciesmy XXXX payment is late Please I need you help this is a company if you look them up they are currently under two different class action lawsuit because what they did to me they did it to many other consumers I have paid these people XXXX payments perfectly on time never missed one in at the last payment they trying to my life Please please help me I was not late on the last payment in the evidence you would see a copy of my check
This is an exact copy of the letter to the NH Banking Department. They have refered me to the Department of the Comptroller. I will contact them but its my fear that the process is going to slow down and get caught up in RED tape unless I stay proactive which is why I 'm contacting you. If you need me directly my personal cell phone # is XXXX my personal emaim is XXXXXXXXXXXX. Thank you! 

XXXX XXXX XXXX PLEASE FIND DUPLICATE LETTER SENT TO NH BANKING DEPARTMENT : XX/XX/2014 I was forced into bankruptcy. XXXX of my properties an XXXX in XXXX XXXX.had been mortgaged with Peoples United. Even though all my payments where current Peoples United hired the law firm of XXXX XXXX. As things turned out I refinanced this property and paid off a rather minor first of {$17000.00} that Peoples had on that property. I was stunned at the closing when it was revealed that XXXX XXXX had billed Peoples United over {$7000.00} which went against my closing costs. I have requested an accounting and explanation of these charges and have repeatedly been denied this accounting from XXXX XXXX and Peoples United. Most recently XXXX XXXX had thrown this decision back onto Peoples United by stating that permission needed to be received from XXXX XXXX before they could release the explanation of their fees. I have requested permission from the loan officer and the bank president since I have only received a break down of charges by the day that the charges occurred. 

It is my opinion that both XXXX XXXX and Peoples United are involved in some kind of cover up as to what these charges involve. I 'm concerned that by their actions or lack of they both are obviously covering for one another. 

I 'm just a small business person. Obviously having a challenging and difficult time. I am no match for an underhanded law firm and a huge corporate bank. I 'm determined to see this through though so I 'm asking for your assistance in this matter. Please contact me with what ever assistance you can provide. Thank you.
I asked for a letter to be mailed to me. I do not want to keep receiving phone calls and I told them. They rudely told me they are not going to send me anything and that I should just pay the bill. Then they said they would remove my phone number from the call list. I do not believe they removed my number and I expect to hear from them again by phone.
Equifax has a great deal of incorrect information on their report. I can not access the results of any of my complaints ; because they have an invalid address for me on their file. Each time I try to access information, I am unable to do so, because my accurate data does not match their files. I have notified them several times, and they will not correct the data. Once, I received a reply asking me to fax personal data, including my SSN, to an un-monitored fax location. Since Equifax has already proven that they can not protect data, I refused. Note : their recent hacks have made the situation worse. Their data is so bad, that I feel that my situation is hopeless. I have paid all debts that were mine, and I can not do anything about the bad data. I have filed over 100 complaints, and they do nothing.
Credence Resource Management LLC ( XXXX ) continues to call our home on a regular basis. They have phoned here on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They are searching for a XXXX XXXX according to the last caller. I have explained we do not know a XXXX XXXX, No XXXX XXXX resides here and never has and this is a newly issued phone number by XXXX XXXX which has been in our name for only 4 months. I have explained that we are on the National and Florida DNC registry and have requested they stop calling us and to remove us from their call, skip tracing, debt collection list. Regardless of what we say to them, they continue to call and persistently harass us daily at all hours of the day and night. The debt they are attempting to collect is not ours, never has been nor do we have any association with this company or the individual they are searching for. This is nothing short of pure harassment and they have continually bothered and pestered us with this issue.
Our loan originator failed to lock our rate in time, even after we requested him to do so and reminded him before the deadline. Interest rates have now gone up and downpayment assistance has decreased. We asked to confirm that this had been acted on with time and he lied to us and told us that he had locked our fate which was not the case.He now wants us to make-up for the loss in downpayment assistance from our earnest money instead of adjusting origination fees to make-up for the loss that was a result of their negligence. The LO and both branch managers have lied to us in the past in regards to other parts of our loan, but this has been the one with the most financial impact so far.
This company is attempting to collect on an item that belongs to XXXX. I reached out to XXXX but privacy laws and statutes of limitations hinder me from receiving any information on this matter making this unverifyable ... this company is very aggresive in there collection efforts and i need confirmation and validation from XXXX that this company is associated with them. Also i need a letter from them, or a copy of their license, saying that they are authorized to collect in Florida. We want all the statements of this account, not just the last XXXX or XXXX. We want original creditcard application showing date and my signature ( and not a print screen print out of there computer screen. They are showing theywant to collect {$4200.00}, and this item shows to have been for {$3100.00}. So you can see why its important we receive all statements to completely 100 % verify and validate the accuracy of this company and the item they are collecting. I am asking for a letter from XXXX and XXXX XXXX, on XXXX and XXXX XXXX letterhead, that this company is collecting on an item that shows as belonging to XXXX, and the letter shall have XXXX and XXXX XXXX contact information and my account information on it as well, so i may confirm its authenticity. I dont want a " print screen '' print out of there computer screen. I want them to stop all collection efforts either by mail, phone or litigation, and to remove there item from my consumer credit reports.
I have filed multiple complaints against TransUnion and XXXX regarding the following collection accounts, which I DO NOT DISPUTE. This is a bit ridiculous. I am not a credit repair company as they stated before, I am the consumer. I need these disputes REMOVED. This is preventing me from getting a mortgage. As stated previously, I do NOT dispute the below and have proof that I have a payment arrangements and/or paid these in full. 

I have even called the collection agencies directly and they report no dispute, and that a valid payment arrangement is in force. 

XXXX XXXX XXXX, represented by XXXX XXXX in Florida - original creditor XXXX XXXX XXXX. Not disputed, and have valid payment arrangements with XXXX XXXX XXXX. Accounts XXXX and XXXX. 

XXXX XXXX - original creditor XXXX. Not disputed, and have valid payment arrangement XXXX XXXX ( Multiple Accounts ) - all are paid in full
I filed a dispute with Equifax on XXXX/XXXX/2015 regarding the balance date Equifax is reporting for a short sale we had with XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. The house sold and closed XX/XX/XXXX. My husband and I were denied credit because of Equifax reporting the date for XXXX as XXXX. XXXX reported the date as XXXX. I submitted the XXXX paperwork showing the XXXX date and submitted additional paperwork to explain the dispute. Equifax responded to the dispute on XX/XX/XXXX saying XXXX is reporting the date correctly, however, instead of correcting the XXXX date to XXXX, Equifax updated the date XX/XX/XXXX!!! On XX/XX/XXXX I receive an Equifax alert showing my credit score was dropped by XXXX points from XXXX XXXX as of XXXX XXXX to XXXX XXXX as of XXXX ) due to information changing on my report. Because Equifax changed the date for XXXX to this month, it appears that our short sale just occured a few days ago instead of 4 years go which is why our credit score was impacted. I called Equifax today and talked to a rep and her supervisor. I was informed that a dispute will negatively affect my credit score and I have to " wait until things settle down and it goes back up ''. The XXXX rep said they can not change the date showing for XXXX or restore my score because " they have no control over it '' even though I have paperwork showing the correct information. I asked the Equifax rep and the supervisor to provide me a copy of my credit report from XX/XX/XXXX to XX/XX/XXXX so I can see what changed to affect my score this way. XXXX said they can not do that. On the Equifax website, the latest credit information I can see is through XX/XX/XXXX. The XXXX is the ONLY negative information against my report and NOTHING has changed from XX/XX/XXXX including no additional debt, etc so there is NO reason for my credit score to drop XXXX points in a week! As a consumer, I should be able to dispute inaccurate information being reported against me and it should not negatively affect my credit score. I understood that credit reporting agencies have a responsibility to correct inaccurate information especially if the consumer is being denied credit or refused preferred rates because of the incorrect information. I am filing a formal complaint against Equifax for refusing to correct inaccurate data even with documentation and with XXXX agreement the correct date is XXXX. I am also filing a formal complaint for Equifax dropping my credit score because I filed a dispute to get the data correct. I want this resolved.
XXXX Creditor Contact Details XXXX, PA XXXX XXXX I have no idea who they are or what they do. They keep putting hard inquires on my credit report every number that I have tried to call is disconnected. Please remove them from all of my credit reports. 
XXXX, OK XXXX XXXX
I made a {$210.00} dollar payment to my credit card in XXXX BOA didnt include as a Payment and I was charged a 30 day late ( no notification ). I was n't notified, nor was there any indication that my payment did n't go through. I am also signed up for paperless billing ( have been since it 's been available ). Since that did n't go through, my past due wasnt applied and now they have dinged me for a XXXX 30 day late. The only way I have found out was with a call. When I tried to resolve the issue Customer Support was extremely rude and wouldnt let me speak with a manager since " he wont tell you any different, he told me to tell you that ''. He said the call was recorded so if you listen to it you can hear how horrible they were. The managers name, who would n't speak to me is XXXX XXXX. I work for a mortgage company and have for the past 10 years, the way they handled this is more than unfair and I am seeking out an attorney just for the simple fact that they should be allowed to treat people like this. They have already been charged with unfair billing practices before.
I was called by the Fraud Department of BB & T bank, XXXX, alerting me to the fraudulent use of my credit card. I returned the call and was told a new card would be sent. I received new card but BB & T bank during XXXX branch visits could not verify charges, account numbers or fraudulent activity on any account. 
I am concerned this might be a scam.
I have been with RushCard for about 3_4 years now all of a sudden beginning XXXX of 2015 there has been an issue with me getting my funds into my account here it is again XXXX XXXX and again the same problem no funds from my job direct deposit been calling since XXXX XXXX no answer I have no money and XXXX kids what am I suppose to do mean while I did n't even receive an email or nothing please help me.
This company is repeatedly and harassingly calling employers, family, friends and anyone who may have ever met me at all hours regarding an alleged debt.
I submitted a Deed in Lieu to JPMorgan Chase Bank , N.A . in 2011. It was received and accepted by the lender but never processed. To this day, I am still receiving notices from XXXX XXXX XXXX XXXX about assessment fees. This issue was supposed to have been settled between Chase and the HOA last year. The DIL was supposed to have finally been settled early this year. None of these things were settled and my credit score, along with threats of suit, is suffering.
I purchased a XXXX XXXX XXXX. In XX/XX/XXXX, I was hit from behind and my truck was totaled. I have GAP insurance. XXXX paid the claim and XXXX has been coming after me for the balance even though I have GAP insurance. They call several times per day to harass me. After being called treated like a liar and thief, I got the GAP insurance on the phone with XXXX XXXX  and supposedly everything was resolved. XXXX XXXX was to send the requested information GAP was requesting and they would be able to pay the claim. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. NO WAY!!!! How is it possible that GAP did not fill the gap? I believe that XXXX XXXX  purposely did not provide GAP Insurance with the requested information, so that they could continue to add interest and thus charge me. By the way, I paid GAP through my finance with XXXX and when it was time to collect, they ( XXXX ) quickly claimed it was a third party and had nothing to do with the company. REALLY??? Anything to XXXX people.
I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( Trannsunion, XXXX, XXXX, but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II  always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.
I contacted the CitiMortgage ( CitiBank ) in XX/XX/XXXX and was given the payoff amount to pay my loan in full ... see attached ... {$5800.00}. I was told to pay it by XX/XX/XXXX. I paid it on XX/XX/XXXX through my bank debit and that evidence is also attached. I received a statement dated XX/XX/XXXX and then one XX/XX/XXXX indicating I owed additional money - both contradicted each other and indicating I didn't pay until XX/XX/XXXX. I have evidence I paid in XX/XX/XXXX so called and asked what happened. I spoke to one person early XX/XX/XXXX who stated they showed I hadn't paid until XX/XX/XXXX and I would have to prove otherwise. They made it obvious Citi had failed to process timely. I received my impound funds late XX/XX/XXXX in the amount of {$1500.00} and they withheld {$430.00} as an escrow adjustment because they said I paid in XX/XX/XXXX. I called and talked to XXXX on XX/XX/XXXX and she agreed I paid on XX/XX/XXXX ... Citi 's  mistake ... and I would get my refund by XX/XX/XXXX. Nope. I called again and they hung up on me. I filed a complaint with occ.treas.gov Case # XXXX on XX/XX/XXXX and just found out today they referred the case to your organization on the same date. I talked to XXXX today ( XXXX was no help as she promised send an email but did not ) and she indicated there was no case and I would have to refile. In addition, Citi promised they would send a conveyance document to the County of XXXX so I could get my deed. I paid for this service. As of today 's date, this has not been done. I wonder how many other people have been ripped off by Citi? I volunteer my services to audit this organization 's books. I have the credentials.