WillisBack/dataset-financial-user-claim huggingface dataset:
Case # XXXX-Update I wanted to add more detail to my response to MT Bank response : -XXXX-check received by MT Bank with letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. Check was mailed back. 
XXXX XXXX - overnighted check - letter was attached that broke down the insurance checks MT had already and a check for remaining balance was sent to MT as instructed by MT. 
-XXXX - Postal tracking confirmed MT received the check. Spoke with XXXX at MT-she confirmed that this payoff needed to be processed AND informed me that SHE was immediately reaching out to the attorneys so that house did not go to sheriff sale. Two days later house listed for sale. 
Payment not processed- check mailed back AGAIN- different story every time MT Bank is called. 
-Spoke with Attorneys- Overnighted the same check on XXXX/XXXX/16. It is now XXXX/XXXX/16 and account is still not paid off. 
-M T Bank has had the first two insurance checks since XXXX. 
So there response that they can not waive fees is not only ridiculous but should be illegal. There should be notes all over the account at MT of all the discussions. The time spent on phone calls ( which were usually hour or so long ) is frustrating and stressful. How do they get away with treating consumers like this. There should be a class action brought against M T Bank-reading other consumer complaints on the consumer protection bureau about this same treatment makes me wonder how many consumers were charged more then they should of been or worse yet lost there homes.
Information not removed from credit report after being paid or discharged in bankruptcy and credit each credit bureau is showing different information and different accounts to I have filed bankruptcy twice and I should not have any negative items on my credit report
Due to the job change, I moved from XXXX XXXX to XXXX XXXX on XXXX XXXX with my wife and XXXX old baby boy. It was a long journey that was not very pleasant. A few days later, I was called once by a stranger, who said she was from a collection agency for collecting the balance ( {XXXX} ) I owed to XXXX XXXX XXXX in XXXX, where we stayed when I worked in XXXX XXXX XXXX XXXX. Although this lady used very tough and unpleasant languages, I did not see any reasons that I was going to refuse to pay. I waited for the formal and written notice about the collection, so I can pay off the balance. At that time, I did not even know the name of the collection agency. 

After a while, I suddenly saw that my credit score from XXXX drops from XXXX to XXXX. I was so surprised because I keep my credit score above XXXX for a long time. I believe that the huge score decrease is due to this collection event. 

However, the problem is that I have never received any written notice from this agency. I do not even know how to pay the balance. If you look at my credit history, you will find that I have dealt with other collection agencies before, and I paid every balance I owed in a timely manner. So I have no collection in my credit history before. 

I was very angry to get involved into such unprofessional and unfair events from both the collection agency and XXXX since these careless mistakes have a very negative financial impact on my mortgage plan. I have a very great credit history ( > XXXX credit score ) and do deserve a fair treatment and evaluation. So I strongly suggest that both the collection agency and XXXX take the right action and correct their mistakes on a timely manner.
I was supposed to receive a pre-paid credit/debit card for {$2000.00} for a rebate on the purchase of new appliances through XXXX XXXX. My rebate email status told me a card was to be mailed in XX/XX/XXXX and received sometime in XX/XX/XXXX. XXXX XXXX XXXX, then sent the prepaid card to an address that was not listed on my rebate in any fashion, to a residence that I did not live. In late XX/XX/XXXX or early XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about the status of my card, as I had not received it. The customer service rep indicated they could send a check, but it would take 2 weeks. I have now waited for 6 weeks, with 3 follow up phone calls and a {$2000.00} card or check has not been received. On XXXX XXXX, I asked that the company send the funds directly to my bank via ACH or XXXX, they declined and wanted to take another approach. The customer service Manager said she could issue a stop payment on the check ( a 3-5 business day process ) then issued a new check with and send via certified mail ( 4-7 business days ). 

In short, I am fully entitled to a rebate of {$2000.00}, but XXXX XXXX XXXX has been unwilling to work with me on a timely solution.
I filed for a Chapter XXXX Bankruptcy in XX/XX/XXXX to obtain relief from medical bills and credit card debt. My mortgage and car loan with US Bank was included in the case, but I was never more than 30 days late on a payment for either obligation. I completed the attached reaffirmation agreement, which was filed with the courts. I reaffirmed the debt, and the bankruptcy case was closed in or around XX/XX/XXXX. A couple months ago, I discovered that US Bank is not reporting my payment history to the credit bureaus. I contacted them via phone, and advised them that I reaffirmed the debt with the sole purpose to continue making payments and for my payment history to be reported. They advised they would send a letter in the mail. I received a letter in the mail, and the letter essentially stated that since I filed Chapter XXXX, it was US Bank 's decision to discontinue reporting to the credit bureaus. By reaffirming the debt, I resumed my contract with US Bank, so they should be reporting to the credit bureaus for both my mortgage and car note. At this point, neither obligation is even appearing on my credit report at all, and I have no credit score.
A foreclosure of this property is currently in process. Bank of America holds the second mortgage, a HELOC loan, on the property. The property is held in a Trust in which I am the sole Trustee. I am also the daughter of the mortgagors who are both deceased. The default on the loan is due to the mortgagors deaths and a lack of any funds whatsoever in both the Trust and Estate. I am trying to personally attend to these debts. A restraining order is in place to halt a foreclosure sale that was scheduled for XX/XX/XXXX at which point I immediately placed the property on the market so as to resolve the debts on the property. Despite the fact that this restraining order is in place, we received notice on XX/XX/XXXX from a law firm advising that Bank of America has moved forward with a foreclosure. This is a violation of the restraining order. It is also not in compliance with the Fair Debt Collection Practices Act. I have attached the letter from the law firm with this complaint.

Despite the fact that this debt is not my own, I have been trying in earnest to get this resolved. The property has not yet sold though it is still on the market. I have been advised that I am unable to be reviewed for modification or assumption options, despite my being Successor Trustee, and that my option is settlement of the HELOC, as it is a second-position lien, or sale of the property. With Bank of America moving forward with the foreclosure despite the restraining order and the property being listed, it seems settlement of the debt is the only way to avoid foreclosure. Unfortunately it has been a source of great frustrationand has cost time and moneyto pursue a settlement through a customer relationship manager. In the past I have been provided incomplete instructions, had documents lost, spent money to have them re-sent only to be told they were never reviewed. I have been told I am unable to be in direct contact with the department that handles HELOC settlements which would be the simplest, most efficient and quickest route to a solution for all parties. I am deeply concerned that Bank of America will foreclose before I am able to correspond with the settlement department and resolve this debt.
I 've requested my credit report from Experian and received it. Upon review I noticed many discrepancies. I 've reached out to the companies listed and informed them about the information listed on my credit report. They do not have the information being reported by Experian in their records and informed me to contact Experian to dispute. I have sent 2 letters to Experian in regards to a claim to make the change and no response. I am also unable to dispute online and receive a message that I can not dispute online. I do not have my complete report number in the credit report sent by Experian and I am unable to complete a dispute online with my personal information or entering a credit report number. The contact number Experian has, is automated and only for requesting a copy of your credit report. No live representative option is given for disputes.
This company has ignored my request for validation which was sent in XX/XX/2018. instead they are harassing me with settlement letters. They want me to settle a XXXX debt for {$170.00} yet, will not validate this debt as I requested and my right under law.
I feel i'm a victim of identity theft because someone attempted to apply for items in my name. I went to file a police report but they told me because nothing was stolen only an attempt that I would have to file a complaint with the Consumer Financial Protection Bureau in order to get a solid resolution and report to the bureaus. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX FIN - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
On XXXX I submitted certified letters to the credit reporting agencies XXXX, Experian and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.
The Best Service Company reported a collection trade line to my credit somewhere around XXXX/XXXX/2016. I was never contacted via US mail, email, facsimile or by phone about this. The way I found out about this was from an alert from XXXX monitoring services. On my credit report it has an ID Alert statement with my cell phone. Also in the contact information my mailing address, work number and cell phone are listed and are accurate. Therefore there is no excuse why I was not afforded the opportunity to dispute the matter under the previsions set forth in the governing laws. 

If I was given proper communications a formal dispute and police report would have been provided to them disputing this matter. After pulling my credit last night I 've identified the original creditor. The account they are attempting to collect on was involved in fraud. Documentation was provided to the original creditor almost 4 years ago. 

The CFPB needs to step in and stop this type of behavior with debt collection companies. They should not have the ability to report an account period. Especially in situations like this.
When I purchased my home I was told that I would need to pay flood insurance. I was told that typically conventional loans are less likely given for homes in flood zones unless they have a large down payment. I was also told that I would have no problem getting the home loan because it was backed by the VA. The structural integrity of the property is poor. I 've found that this property was just filled in wetland. Now that the seawall/bulk head has quickly gave way I have learned the repair/reconstruction cost of what is now known as the properties foundation will be more than {$30000.00}. It would not be covered in any homeowners policy. The home was remodeled directly before the purchase. You can see that the home is settling quickly deeper into the earth. I learned last year when a home across the road which is also in a flood zone that it was too purchased by a veteran. The previous owner was leaving because he said it was just floating. I paid {$290000.00} for a small lake cottage in Indiana and will need to put no less than {$50000.00} more into the property which was not disclosed to me. I was told there was nothing to worry about when I questioned a slight break in the bulkhead which has now fallen into the lake with a second 50 foot section breaking way quickly. I question whether veterans are targeted to purchase flood zone properties because the backed VA is most accessible for these locations.
phone call was made to me by " XXXX '' threatening jail time for an unpaid balance. A debt I do owe but not to this business. " XXXX. '' somehow got my credit report and used an outstanding balance to get money out of me and was successful to the tune of {$1500.00} on XXXX XXXX 2016. Satisfied the bill was paid I did not pursue the matter until a XXXX call came in stating I owed more money on XXXX XXXX 2016 ; I know I did not! When I asked for proof they hung up and I tried repeatedly to get ahold of them since and have been very unsuccessful. Can Consumer Financial Protection help me?
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.
I received a motion to transfer letter from Blatt, Hasenmiller, Leibsker & Moore LLC on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted Blatt, Hasenmiller, Leibsker & Moore LLC regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the XXXX letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - XXXX XXXX XXXX. This letter regarding motion for transfer is the XXXX correspondence received from Blatt, Hasenmiller, Leibsker & Moore LLC at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.
been paying for years and amount not going down. cant afford and live at the same time with what they want.
I became aware that my internet service provider, XXXX, had made 3 unauthorized debits to my checking account. The last charge being very large, {$510.00}, taken out on XX/XX/2018 and today 's date is XX/XX/2018. I tried calling XXXX but they argued with me saying that I had approved it for them to make auto pay payments for my internet service. I told them that I had not and it all ended badly with my hanging up. I then went to my bank ( Wells Fargo ) to let them know of the charges. What it all boiled down to and what they told me was that because I still had an account open with XXXX they could not dispute the charges and could do nothing for me. I don't understand this because if I did not authorize them to start taking payments from my account then it is not their account to be going into. Not their money to take!
Chase Bank arbitrarily closed three credit card accounts that were paid timely, often in advance, stating they were over credit limits and had received numerous inquiries.
I recently discovered that  XXXX   XXXX  reported my account as a Charge off on my credit report when I was denied a loan by  XXXX   XXXX  due to the Charge off. I immediately contacted  XXXX   XXXX  by phone in an attempt to rectify the error. I was informed by the customer service representative that my last payment was received on    XXXX   XXXX   ,    2011  and that my account was reported as a Charge off on   XXXX   XXXX  ,  2011 . We both agreed that it did not make sense that my account would be reported as a  Charge  off 2 days AFTER my payment was received. At the time  XXXX   XXXX  reported my account as a  Charge  off, it was paid in full with a  XXXX  BALANCE. I have spent HOURS on the phone with numerous customer service representatives. The phone calls have been extremely frustrating and have not produced a positive outcome. Every representative has told me the same thing " due to the age of this account, they do not have account records and can not provide me with the information that I am requesting '', yet they refuse to remove the inaccurate information from my credit report. I was told that a Supervisors would call me back on  XXXX  separate occasions. To this day, I have not received a call back from a supervisor. I have sent numerous certified letters disputing the  Charge  off that is currently being reported on my credit report and negatively effecting my credit. I have asked for validation of my account including details explaining my why my account is being reported as a charge off with a   XXXX   balance. I have asked for them to send me a copy of my payment history along with account notes. The letters that I received in response to my letters have been a one paragraph response stating that " they only report accurate information to the credit bureaus ''.
My Discover card was closed on XX/XX/XXXX for 18 months of inactivity. Because I had never used the card they did not have to notify me in advance of my account closure. Obviously closing a {$12000.00} line of credit will hurt me even though I did nothing wrong except not use my available credit. They should be required to provide notification.
I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint PortaXXXX : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which  requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
1. On XX/XX/XXXX, I sent a certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, disputing adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 2. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 3. Under the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), CHASE CARD was required by law to place a " notice of dispute '' comment on my account with all of the credit reporting agencies they report to within 30 days of receiving my dispute ( in this case by XX/XX/XXXX ). 4. On XX/XX/XXXX, well after the required 30 days, I pulled new credit reports from all 3 credit reporting agencies ( XXXX - Report Number : XXXX, XXXX - Order Confirmation : XXXX, Report Confirmation : XXXX, and XXXX - File Number : XXXX ), and noticed that CHASE CARD had never placed the notice of dispute comment on my account with the credit reporting agencies, as required by law. Therefore, by law, they are required to remove the adversely reported information that was in dispute. 5. On XX/XX/XXXX, I sent a new certified letter to CHASE CARD, XXXX XXXX XXXX, XXXX, DE XXXX, notifying them of their violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ), and instructed them to remove the adverse information on my credit reports ( XXXX, XXXX, and XXXX ) that I was 30 days late in XX/XX/XXXX and 60 days late inXX/XX/XXXX, as required by law. 6. CHASE CARD signed for and received the certified letter on XX/XX/XXXX. 7. On XX/XX/XXXX, CHASE CARD responded to me and stated they " can not delete the information from my credit report because it is correct ''. 8. Whether the information is correct or not is irrelevant at this point. Since they did not mark my account as in dispute on my credit reports within the 30 days as required by law, they must delete the adverse information. 9. To date, CHASE CARD has not deleted the adverse information on my credit reports as required by law for failing to mark my account on my credit reports as being in dispute within 30 days of my notice of dispute.
I enrolled in automatic payments for my student loans with Navient a year ago. 
Navient advertised 1 % interest rate reduction for enrolling. 
There was no disclaimer ( unless it was buried in fine print ) indicating that the loan source, or type, or the loan guarantor determined eligibility for the interest rate reduction. 
I spoke with someone at Navient today, and they told me that I did not receive the interest rate reduction during the period my loan was on automatic payment because the guarantor was ineligible. 
I have been unable to receive adequate assistance from Navient in this matter and with the servicing of my loans since they began repayment. 
I had assistance from U.S. Department of Education Ombudsman group in getting this set up about a year ago, and felt comfortable with my arrangement. 
I have received paperwork from Navient that requires me to complete annual re certification of my income driven repayment plan. They acknowledge the paperwork received XX/XX/XXXX, and told me it will take them until XXXX/XXXX to process the application. I should not have to go through this annual stress fest. I need reasonable repayment terms, and Navient needs to correct their errors, and their processes to prevent this consumer stressing, time-consuming bottleneck.