WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and Experian with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to XXXX so they no longer report any updates. 
XXXX states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
Experian states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Select Portfolio Services has failed to allow me to be reviewed for all potential retention options on my mortgage loan. They received millions of dollars of tax payer money, but have kept me at bay for assistance for over four years. I have been through some very difficult times personally and professionally, but am back on my feet and can make a reasonable mortgage payment, if given the opportunity. I am finding it impossible to engage SPS in a constructive conversation to bring my mortgage loan current. SPS seems to want to help since I continually receive letters from them stating they are interested in helping me with my loan and their representatives seem to be trying to get me into a modification. However, their entire process falls apart and my application process never gets beyond the application stage. I am not sure if their representatives can not get the job done or if their process lacks the structural integrity to get me through to modifying my loan, but I am at the point where I would like your office 's assistance to ensure my requests for help gets through the review process of SPS. I have an assigned single point of contact, but they have blocked every effort I have made to save my home. I have never had a full review of my loan for mortgage assistance options. 

Life was going very well until I the company I was working for closed its ' doors in XXXX and I had a hard time finding employment. I paid on my mortgage as best I could, but couldn't keep up. I reached out to get SPS to work with me on a modification, but the process went nowhere and they advised me to stop making payments to get assistance. This was bad advice and now I have a foreclosure date on XX/XX/XXXX. 

I have landed on my feet and am making significantly more income. I also have my husband 's income and our combined income fits into guidelines to qualify for assistance. I want to save my home and I want a review based on my current income. 
The representative I speak with didn't give me any opportunities or chances to resolve this issue and instead make excuses for why I am not getting a review. I am running out of time and am afraid that the big banks are still rolling through homeowners and putting them on the streets instead of doing the work to help them.
There are 70 pages on this attached scan : Pages 1-16 from XX/XX/XXXXI showed citbank how XXXX XXXX XXXX   illegally increased my move after beginning to load my property per 49 CFR 375.401.

Pages 17-20 XX/XX/XXXX was a reply from me to citibank with receipts they asked for.

Pages 21-24 Was me sharing 12 news stories about XXXX XXXX XXXX  onXX/XX/XXXX.

Pages 22-34 from XX/XX/XXXX Was me again explaining to citibank how XXXX XXXX XXXX   illegally increased my move after loading began.

Pages 35-69 from XX/XX/XXXX was me providing citibank with the indictment info about XXXX XXXX, who is the employee of XXXX XXXX XXXX that signed the contract ( yousee it twice in this scan ) citibank keeps showing me I was involved with from XXXX.

Page 70 was the final letter mailed to me from citibank, saying they have declined my third dispute.

On XX/XX/XXXXwhen I called after receiving the above final letter from citibank, I requested a Supervisor, and his name was XXXX. XXXX described to me per the federal guidelines a dispute is only allowed to be opened once and never opened again. XXXX could not explain to me why my charge was allowed to be disputed three times. XXXX  declined to give me any contact information for his, and said this is not allowed. He did however attempt to offer me a {$250.00} credit for citibank incorrectly advising me that I could dispute a charge three times. I declined the credit, and requested he " XXXX '' research all three disputes. He stated he does not do that as part of his job. He stated no one has a job to do this. But he did say he would call me back. On XX/XX/XXXX someone from citibank called me back and left me a voicemail, saying if I have any issue with the resolve of my last dispute to contact them back.

OnXX/XX/XXXX I tried to contact XXXX again, I specifically left a message for him again.

On today XX/XX/XXXX I tried again to contact XXXX, I specifically left a message for him.
I am an authorized user and disputed a missed payment in XX/XX/2017 on my report. when The missed payment occurred At the time, I took over payment of the account. When the missed payment was disputed The entire account was removed from my credit report in error and Transunion refuses to investigate the issue properly upon my request and/or send me documentation of their investigation of my claim about the account removal in error. They refuse to supply me with information but insist I contact the creditor about an error I assume to be on their part. 

In XX/XX/2017 Transunion had the entire creditor ( XXXX XXXX ) removed within 3/4 days of an original dispute over a missed payment and never reinserted the creditor. I called within days to correct the error after receiving the surprisingly quick report of the investigation, explained to them the XXXX XXXX creditor was an actual account and the removal of the entire account was a mistake - only the missed payment was disputed. They then told me I had to contact the creditor because They did not remove the item and only the creditor can add and report an item. I contacted XXXX XXXX and The representative relayed that they had no contact from Transunion about the account at all. I called transunion to let them know and the y said there was nothing they could do and to wait until the creditor reported the account. So i did. 

So, then I waited until the next reporting cycle in XXXX and still saw no updates to my credit file. Afterwards, I called transunion again to reexplain my dilemma. Again, I was told i needed to contact the creditor. So i did. Again I was told home deport reports to all agencies and all of its authorized users. They said they were reporting the item as usual. This back and forth continued for weeks and still Transunion refused to add the account. They insisted the creditor was not reporting the account. 

Finally in XXXX, I was then told for the first time by Transunion that I needed to contact the creditor and have them submit a reinsertion request to have the account reported again due to their policy. So I did. Initially, the creditor said they had no knowledge of the form, but The XXXX XXXX updated my account and added my SS number just before the reporting cycle to ensure it was reported accurately. Still did not result in the account being added by Transunion. 

Finally, I called Transunion/creditor again and the creditor sent a reinsertion request document on XX/XX/XXXX. As of XX/XX/XXXX, My phone call to transunion to verify receipt revealed that Transunion still claims to not be in receipt of the form even though the creditor explained they would within 72 hours of my request. Transunion then put me on hold with dead air for over 5 min after i requested to speak with a supervisor and was told I was being transferred. 

They have mishandled my credit report and refuse to correct the action. I am seeking a home and it it vital my report reflect accurate information.
Call several times a day for years. Told them more than once, the person you are calling has not lived here in 30 years, I ask that they please take my name out of their database. They literally have been calling for years.
I have contacted Convergent debt collection company on my own to resolve a debt that I noticed on my credit report. The debt was originally acquired from XXXX mobile company. Convergent collections company refuses to send me a bill with an account number via mail or email so that I can pay the debt. I have called more than three times a week XXXX XXXX XXXX. I have spoken to the supervisor on XXXX occasion who assured me everything would be handled correctly, and still nothing. I do n't know what else I need to do to get this company to send me a legit bill so I can pay the debt. I am also nervous that if I do send money, they will not properly process it and the debt will remain current.
I always check my account before making a purchase. Wells Fargo has always posted my transactions as pending and subtracts my purchase from my balance and I see how much i have left. As the pending transactions start to post something happens that I end up negative in my account and end up with an overdraft fee. Even though my transactions are pending they show my balance as if it was already taken out and supposedly it all depends on when the merchant puts the transaction through but then why put it as pending and actually subtract it from my balance if they are supposed to wait until it post. This has happened to me about 4 times already and it only seems to happen when I make a lot of purchases in a couple days time one after the other. When I make a lot of purchases they seem to get me with an old transaction from like a week ago telling me that it just posted and that's why I become overdraft. Everytime I make a purchase whether its online or in a store I always look at my account and make sure it went through and it Is at least pending and I see that it was subtracted from my balance and I see what balance I have remaining. I would not spend money that I don't have and if the money wasn't in the account my card would be declined it really just doesn't add up.
I have a Macy 's American Express Card. I made a payment on XXXX/XXXX/2016 that was more than the minimum balance due. They applied the payment to the Macy 's Store Account which had a {$0.00} balance. They then proceeded to call me on XXXX/XXXX/2016 at XXXX am from XXXX ( no message ), at XXXX pm from XXXX ( no message ), at XXXX from XXXX ( no message ), and at XXXX from XXXX ( no message ). These are central times. I looked the numbers up and called Macy 's. I was told that when an account is delinquent they can not control how many times a phone number is called.
Loans are with XXXX XXXX. Have miscalculated my payments for the Public Service Loan Forgiveness, have not capped interest as a veteran/XXXX XXXX service member and based payments on gross income, not adjusted.
In XXXX XXXX, I switched cell phone carriers from XXXX to XXXX. After becoming a XXXX customer, I was eligible for the switch promo XXXX was offering new customers. This meant that new customers could submit their final bill from former carrier and XXXX would allot for the payoff. I contacted XXXX several times for the final bill they never did comply. XXXX XXXX, 60 days past which made me ineligible for the switch promotion pay off. Of which time XXXX turns my account over to collections, ( I. C. System, inc. ), who begins reporting this account to all three credit bureaus and is currently still reporting. Again I contacted XXXX several times for final statement of my bill to submit to XXXX for payoff. XXXX never sent me a final document ; email or hard copy. XXXX has since dealt away with the matter. They 've received payment for turning the account over to the I. C. System collection agency, & I 'm now left with the negative reports against my credit through no fault of my own!!
I went to Check 'n Go on XXXX XXXX, XXXX to get a loan to make repairs on my car. Check 'n Go gave me a {$5000.00} loan at 74.95 % APR. 
On XXXX XXXX, XXXX, I went back to Check 'n Go to get a little bit more money. They told me I could refinance my loan with them, and I would have to take out at least {$2000.00} more with them. I did n't need {$2000.00} more, but they told me that they would not give me a loan unless I accepted a refinance loan for a higher amount of money. I signed a refinance agreement for {$3700.00} at 85.08 % interest. 
On XXXX XXXX, XXXX, I went back to Check 'n Go because I was behind on my rent payment and all my bills and needed more money. Again, I wanted less than {$2000.00}, but Check 'n Go insisted that I take out a loan where I would get over {$2000.00} in cash. I signed another refinance agreement for {$4600.00} at 104.57 % interest. 
The Check 'n Go office has, from the beginning of my interactions with them, refused to accept any method of payment from me except cash. They debited my bank card once to get my bank information. 
I fell behind on my payments with Check 'n Go around XXXX XXXX, XXXX. Check 'n Go created a check for {$380.00}, payable to Check 'n Go, in my name and cashed it with the bank. I was never informed that Check 'n Go could do this. I would not have given authorization for Check 'n Go to do this if I had understood what remotely created checks are. My bank charged me an overdraft fee after Check 'n Go cashed a check that it had created in my name that I did not authorize. 
I fell behind on my payments with Check 'n Go again around XXXX XXXX, XXXX. Check 'n Go again created a check in my name payable to Check 'n Go for {$530.00} and cashed it with my bank. I disputed my check with the bank and have attempted to withdraw my authorization for any future checks created by Check 'n Go. 
I have never authorized Check 'n Go to create checks in my name to overdraw my bank account.
On XXXX I filed a complaint against Bank of America # XXXX. 
Complaint was close as of XXXX. Today I received the Mortgage Satisfaction ( SP ). 
But it was only released lien against deed on the land. I've called Bank of America 8 time. to inform them the title had come from XXXX. The SP had on information it about the title. I called the XXXX, found out that after I paid Bank of America {$930.00} in the mortgage contract inXXXX the title was transferred in my name. 
They failed to so they violated the terms of the contract. Law would call that fraud. 
Under SC Law the Bank had 90 days to get me all of the paper work, 138 days and counting.
Credit Check are reporting Potentially Negative Alerts from Experian credit bureau, where I did check my credit report direct with Experian and does not appear this Negative information with Experian, but this is impacting my credit score with Credit Check. 

1 ) Company XXXX XXXX XXXX Collections Status Date XX/XX/2018 Balance {$30.00} Address XXXX XXXX XXXX XXXX XXXX, IN XXXX 2 ) Company XXXX   XXXX XXXX Payment Status Collections Status Date XX/XX/2018 Balance {$30.00} Address XXXX XXXX XXXX, PA XXXX 3 ) Company XXXX XXXX XXXX Payment Status Collections Status DateXX/XX/XXXX Balance {$29.00} Address XXXX XXXX XXXX XXXX XXXX, FL XXXX
On XX/XX/2017 I checked my XXXX Credit report and this company out of nowhere appeared on my credit report from Conserve. Who ever this company is they did not send me any letter of this debt, which they violated my rights to dispute any debt that is in my name. I have never seen nor heard of this company until I got an alert of an collections on my credit report. This company violated my rights.
We were forced to short sell our home. The sale closed, the title was transferred to the new owners. Under duress, we were forced to sign a promissory note to pay back the difference to the lender. Our financial situation has deteriorated since then unfortunately by a divorce, with XXXX young children involved. We need relief and feel as though it is unjust to pay for a mortgage on a home that we no longer own. This may force us to go into bankruptcy.
I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by Allied Interstate LLC that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. Allied Interstate is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue teaching ; financial, personal, and professional sacrifices. Please rectify this issue.
On XXXX/XXXX/XXXX I called Transunion and disputed a Bankruptcy ( Docket # XXXX ). The representative stated that the dispute would take up to 30days. On XXXX/XXXX/XXXX I got an email saying my dispute was completed and the Bankruptcy had been " verified '' by Transunion. I called Transunion on XXXX/XXXX/XXXX and spoke to XXXX. I asked him how the dispute was verified and also the source of verification. XXXX advised me that Transunion sent a letter via US Mail to the Bankruptcy Court located in XXXX IL and that the court verified the bankruptcy by letter and mailed it back to Transunion. I told XXXX that it is physically impossible for Transunion to mail a letter out on XXXX/XXXX/XXXX and already have received it back from the bankruptcy court on XXXX/XXXX/XXXX which is less than 24 hours from the time the dispute was entered. He insisted that the letter was sent to the courts and that the courts had verified the bankruptcy. I asked him for the name of the person from the bankruptcy court that had signed the letter and verified the bankruptcy. He said he could not give me that information so I asked for a supervisor. While on hold waiting for a supervisor I called the Bankruptcy Court ( XXXX ) and spoke to XXXX. I asked her if Transunion had requested verification from them or if they had signed a verification letter and sent it back to Transunion, she said that the Bankruptcy Courts do not report or verify information for any of the credit bureaus so Transunion was not being truthful. I then spoke with supervisor XXXX from Transunion and advised him of what the Bankruptcy Courts had just told me and also what the other rep XXXX had said. XXXX then stated that the bankruptcy was verified by a third party vendor but he could not legally tell me who the vendor was. I stated that per the FCRA a Consumer has a right to dispute and also know the source of the data furnisher. He said that he would not release the name of the Vendor. I then advised him that I wanted the name of the individual from the 3rd party vendor as well as the method that was used to verify the bankruptcy and be also refused to give this information. I ended the call with XXXX and I immediately called Transunion back. This time I got a rep named XXXX and I asked him how my Bankruptcy was verified. He stated that a Transunion rep or 3rd party rep for Transunion drive to the Bankruptcy court and verified it with the courts. When I advised him that this was not true, he hung up on me. Transunion is not and has not verified the bankruptcy and are lying over and over again about the source and method of verification which is a violation of the FCRA. Transunion responded back to my CFPB complaint and did not address the issue nor provide name of the third party agency that supposedly verified the bankrupcty
LVNV Funding Has frozen my personal bank account and removed money, claiming that I knew I was being sued. Which I did not! Also I had to go to the court to get copies of the suit and the return card from registered mail. ( which does not have my signature on it ) The frozen bank account has caused me to borrow from a friend just to get by, to say nothing of the bills that are now over due because I could not access my bank account.
I bought a XXXX XXXX XXXX XX/XX/XXXX. The pink slip says my payments are {$270.00} for 72 months. I borrowed {$11000.00} and my interest was {$8700.00} making my total payback {$19000.00} which is {$270.00} for 72 months. I have had a lot of late fees added on to my account but what I don't understand is that I have added up all that I have paid them and I have looked at my account with them. Records show that I have paid {$6200.00} in principal and I have paid {$14000.00} in interest. Which totals {$20000.00} As of today, I still owe {$4900.00}. I don't understand. I have tried to call them to have them explain it to me but no one will take the time. I have paid well over what my wife and I signed the pink slip for. How does that work? Their phone number is XXXX XXXX XXXX XXXX
On XXXX XXXX, 2016 I reviewed my credit report from the XXXX Credit Bureau and noticed an account from CMRE Financial Services , Inc . This agency claims that I owe them {$280.00}. Therefore I sent a validation letter requesting specific information about the account they claim I owe them. On XXXX XXXX, 2016 I sent the letter requesting proof on the account they claim I owe them. On XXXX XXXX, 2016 they sent a letter stating that they looked into my dispute. The letter I sent on XXXX XXXX, 2016 was a validation letter requesting specific information regarding the collection account that CMRE Financial Services , Inc claims I owe them. It was not a dispute letter. CMRE has not provided sufficient evidence that this account belongs to me.
At the beginning of my loan I made each payment on the scheduled date and payment amount until I became in default on my loan after becoming XXXX in XXXX 2014. Upon my release I have made a good faith attempt to bring my loan current. Santander continues to call and harass myself as well as my family regarding the standings of the loan. I have contacted Santander by phone several times requesting the past due amount and tried to work out payment terms that were both convenient to myself as well as their company. Each time I have spoken with one of their representatives I have been given conflicting past due amounts. I have now been slammed with so many fees that there is no way that I can bring my account current with no explanation of what the fees are for. This company also continues to report this account to the credit reporting agencies as a charge off and have not reported my payments or account history correct.
I was told by American Express on multiple occasions that i would receive the bonus offer of XXXX XXXX points for my XXXX card after completing the required spending limits. However, American Express went back on their word once I completed the spending limit and stated that I would in fact not receive the bonus offer due to owing a similar American Express card in the past. I would like American Express to honor their statement an award me the bonus points for my Americna Express XXXX XXXX card that I met the spending requirements for.