WillisBack/dataset-financial-user-claim huggingface dataset:
The attorney from this office is trying to assist his client, who has a mortgage loan with CitiMortgage on property in XXXX, XXXX, and has been attempting diligently to release his interest to the secured property with either a deed in lieu of foreclosure or a short sale. 
Background : Due to losing his job a few years back, our client and his wife filed bankruptcy as he continued to look for work. Our client finally found a job in late XX/XX/XXXX in XXXX, so he uprooted his family and moved to XXXX XXXX at that time. Our client put his house in XXXX on the market with a realtor, and began work with CitiMortgage on a deed in lieu of foreclosure at that time. 
He came to us in XXXX, XX/XX/XXXX, for assistance. He had no offers on the property and no help from CitiMortgage, who began foreclosure proceedings. 
We have dealt with several representatives at Citi, who ask for the same information over and over again ( Bank statements, paystubs, hardship letters, Citi 's Uniform Buyer Assistance Form, Income/Expense records ; tax returns ), until the file gets assigned to a new department or representative who again requests the same information. Our client has continued to follow Citi 's requirements for short sale or deed in lieu, and has always provided all documentation requested, even if it is duplicative. 
We now have a buyer who signed a purchase agreement ( in XXXX ), and have dealt with no less than XXXX different people assigned to the file at Citi, again requesting the same update information over again. XXXX appointed agent sent correspondence saying the review and decision on the short sale would be made within 30 days. It is now XXXX, and a new negotiator has just been assigned to this file. His latest emails state they have no hardship affidavit from our client since XX/XX/XXXX, which is not the case. They are asking our client to provide updated listing agreement extension and purchase extension for at least 60 days. We miraculously still have the same buyer, but they are now living in a rental XXXX bedroom apartment with XXXX people, hoping this will close soon, as XXXX Citi Representative ( who is no longer working for Citi ) requested updated HUD statements. At one point during the last 2 weeks, our client was advised Citi did not get a timely response to their counter offer to this short sale, which was never received by this office or our client. We were provided with a realtor 's name and email address who received the counter offer, who is not involved in this transaction. After we requested who this is and when the counter offer was sent, Citi has refused to tell us anything more on the counter offer recipient. 
Our client now has a letter that outright says, the purchase offer is insufficient and no response was received to the counter offer provided. 
Our client has XXXX children, XXXX of whom has a XXXX that needed surgery last year. Also, over a year ago, our client was diagnosed with XXXX which has spread, and he is still in treatment to try to halt the disease. He does not need the additional anxiety of what Citi is putting him through.
I got a loan for a truck in XXXX, XXXX. Even though I was told the truck was still under warranty, a warranty in the amount of XXXX was placed on the loan of the truck. During the first part of the loan, I attempted to use the warranty but no one would accept the warranty. When I informed the lender, no action was taken. In XXXX, after filing a complaint with Michigan XXXX, the lender provided me with a number regarding the warranty. I contacted them and sent a letter in getting it off my loan. It was XXXX XXXX, XXXX it was finally cancelled. they only gave me XXXX of the warranty. I know they do n't have any information because I was told I could change the billing date from the XXXX to the end of the month but later I was told it could not be done. When they contact me they always ask me the same questions, why am I am late and it is not in the records.
Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card
I have received calls almost daily for months from XXXX indicating that they are attempting to collect a debt for XXXX XXXX ( this is not me ), and to call XXXX to be removed. I have dialed this number and followed the instructions at least 10 times with no resolution. I called XXXX to " resolve the debt '' so I could speak to a person at least 3 times to indicate that I 'm not XXXX XXXX, and to remove me. They will not stop calling.
Authorized background check for employment on XX/XX/XXXX to XXXX XXXX who used XXXX XXXX XXXX for background check. Background check showed a misdemeanor from XX/XX/XXXX that was expunged on XX/XX/XXXX.
I was NOT sued - it 's the closest radio button to what occurred. My FIRST notice of this outstanding debt was an Alert from XXXX credit monitoring on XX/XX/2016. I contacted the collection agency and spoke with XXXX XXXX for information. Turns out its a bill from a drs office - I never received the bill for XXXX b/c they were admittedly mailing it to an address in XXXX XXXX - instead of my City of residence in XXXX. I informed them that they needed to remove this since I never received proper notice. After speaking to the Drs office who was apologetic about the mistake and indicated the collections agency would correct and remove as a mistake. Today I see that they added it AGAIN as UNPAID debt. Meanwhile the outstanding amount was paid YESTERDAY after a discussion with the Drs office. It 's retaliation and harassment. XXXX XXXX was refusing to acknowledge that their reporting was in violation of the FCRA during our phone conversation and intentionally pushed through an " UNPAID '' report to XXXX after I paid. According to the Drs Office - they notified the collections agency to cease and CORRECT the report - Clearly it was pushed through incorrectly on XX/XX/XXXX.
i lost my business and lost almost XXXX doller and my debt collecting companies were keep calling frequently and any how i managed to pay off all their debt and i made settlement on time, but the have destroyed my credit score history and they put as a charged off account on my credit report. i need please attention to the issue
I received a letter from XXXX dated XXXX/XXXX/2017 in regards to my initial dispute with invalid personal information, invalid credit reporting, and inadequate reporting that was simply copied and paste from credit report. For example, the XXXX account 's date updated and Loan Type on the investigation report is different from the credit report. I requested to remove both accounts from my credit report. Especially, the XXXX account that has been closed for more than seven years closed without a balance. Also, my personal information was entered incorrectly, which I requested to update yet they failed to update my information. Hopefully they will comply with your department. Thank you.
XXXX XXXX ( XXXX XXXX ) {$250.00} XXXX XXXX XXXX x 2 ( XXXX ga ) {$200.00} & $ XXXX XXXX x 2 {$76.00} & XXXX Withdrawal @ atm XXXX XXXX XXXX XXXX ga XXXX ( XXXX XXXX  ) {$230.00} All took place on XX/XX/18 Stroller rental {$5.00}
On  XXXX   XXXX , I sent a letter to Equifax, asking them to investigate several errors that appeared on my credit report with their agency. Nea rly three month s have passed since I sent the letter, but I have yet to get any response whatsoever. They are supposed to respond within 30 days. I have even attempted to follow-up with Equifax several times, but I still get no response.     I am attaching a copy of the letter than I sent to Equifax in this complaint.
On XXXX XXXX our credit card account was closed without any notification. I contacted Bank of America who stated the account was closed because of a business decision not to support the type of account we have. They stated they mailed a notice on XXXX XXXX to advise they no longer support the account, which is the same day they closed the account. This put our company in a difficult position and left several of our employees stranded, unable to obtain fuel or make the purchases they needed to make. I understand Bank of America has the right to make a business decision to close an account that may not be profitable to them. However, I believe they should be required to provide advance notice before accounts are closed, especially when the account is in good standing and has not been paid late. Please note : I was a customer of Bank of America for 12 years and this came as a complete surprise and caused substantial disruption to our day to day business.
XXXX XXXX ... ... .. i have tried many times too get an account thru either a credit union or an actual bank. iam trying too fix my credit but behold XXXX they are holding me back from getting an account thru anyone due to the lack of their filling how things are on my reports. it just shows two available accounts. every time people say its due to XXXX XXXX either its fraud or something they are doing that isnt letting me get on with my life.. i have disputed and disputed and disputed and i dont know if they are doing something that is stoping me or if they have not updated my file. i have asked them to remove all the names except for my real name and the adress and still nothing, and i dont know why they are holding back for me not to get approved for anything.. i need something done cause they are just making my life hell. all the inquirys removed from my report thank you so much
On XXXX/XXXX/2015. I opened a dispute with Transunion due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the XXXX. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Transunion is legally required to conduct a " reasonable investigation '' of this matter. 4 days later on XXXX/XXXX/2015 Transunion " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Transunion did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Transunion to conduct a reasonable investigation, I demand that the report be removed from my account immediately.
after multiple attempts to tell them I won't pay over the phone and that I need an itemized bill in the mail, they are still calling and I haven't received anything and its been months. Last call was today, XX/XX/18 at XXXX. From TSI. XXXX. Also calling parents and others I have no contact or association with to get a hold of me. Pushy and harassing
Transunion fails to update my credit report numerous medical from corrupt debt collection agencies that do not belong to me mortgage payments that continue to not be updated even with documentation from mortgage company ( nationstar ) old outdated information from over 10 years ago I have not received one update or letter or email from them
On  X/X/XXXX  I started paying  Works and Lentz  {$75.00} a month a total of {$3000.00} as of this day after being threatened to sue on first notice of this debt, threatened over the phone that if I did not pay at least this amount every month that they would have to proceed through legal actions. I never received a bill from the hospital. I had no acknowledgemention of this debt. I did however receive other bills from the hospital (   XXXX   XXXX   XXXX   XXXX   XXXX   etc. ) Which were all paid for. I was caught completely off guard when Works and  Lentz first c ontacted me and because of the manner of which they decided to address themselves I was to scared to question or do anything about it and did not know I could do anything about it. I have asked Account manager  XXXX   XXXX  from m Works and Lentz t o send me verification of this debt and account summary 3 times and have never received. The amount of this debt is currently {$11000.00} it started at {$14000.00}  Works and Lentz f irst received our account on  X/XX/XXXX . After already paying thousands to the hospital for the other bills and never even hearing about this one I was very upset that the hospital never even gave me a chance to try to pay this bill by never sending me anything about it and now this bill has hurt my  cr  edit score  significantly. Works and Lentz  reported to the credit bureau   XXXX   before even contacting me. The amount reported was {$13000.00}. {$1300.00} less then what they say I owe.
A year ago I took out a fixed auto loan with Wells Fargo. There are no pre-payment penalties for this loan. The minimum payment due each month is {$220.00}. I have paid more than the minimum payment due several times ( more often than not, sometimes as much as {$100.00}, each time writing on the check " please apply remaining balance directly to principal. '' However they have continually applied my over-pay amount to the following month 's in minimum due ( thus reducing my minimum payment for the following month. ) I still continued to pay more than the minimum due, and this cycle continues to this day. I assumed that eventually this will even itself out by reducing the amount of time it will take me to pay off this loan. 

This morning I thought it best to call Customer Service to verify this instead of assuming. The representative stated that this was not the case. Since I pay via Bill Pay ( through Wells Fargo online ) they do not process this pre-payment request, early principal payments can only be made by signing up on their Auto Pay Program. I once again reviewed the back of the statement and there's nothing indicating that this is required. In fact, all of my other creditor 's are able to accommodate my payment overage 's via bill pay without a problem. 

I feel that this is deceptive in that I reviewed the " Payment Options '' section of the back of the statement prior to pre-paying any of my principal and their " special '' requirement was never disclosed. 

Very deceptive!
Company failed to due an adequate investigation of my dispute on an entry on my credit report. A company called XXXX XXXX XXXX has two entries on my consumer credit report. When previously disputed it has come back verified. I then requested in writing full verification of debt from the company but these letters went unanswered. I have since found out that this company is no longer in business per the BBB website. In additon this same collection agency recently entered into a consent agreement with CFPB for violations of FCRA laws and was fined. So I am wondering how was this debt verified with a company that is no longer in business???
THIS IS NOT A DUPLICATE TRANSUNION IS NOT LOOKING AT THE INFORMATION PROVIDED THEY MARKED IT AS DUPLICATE THIS IS WRONG. XXXX is past the statue of limitations and for whatever reason they keep reporting the account and wrong information. I have attached proof from XXXX showing the last payment date was back in 2011 and it should not be on my credit file
PayPal refuses to close my account stating they require documentation from my credit card about a charge-back. ( Case # XXXX ) The charge-back was requested due to the following fraudulent transaction on eBay on which the item was not received. 
eBay has closed the seller 's account after an investigation of over XXXX fraudulent transactions from this seller and PayPal has refunded the transaction 's amount of {$36.00} to my credit card following their investigation. 


Seller 's Name : XXXX XXXX Seller 's Email : XXXXXXXXXXXX Seller 's Transaction ID : XXXX Transaction Date : XXXX XXXX, 2016 Transaction Amount : - {$36.00} USD Your Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX
I had a outstanding credit card debt with Capital One. I was contacted by XXXX XXXX XXXX debt collection agency ). I agreed to pay XXXX payments of XXXX to settle the acoustic in full. Upon settlement I was to receive a release from debt letter and upon settlement a deletion letter to credit bureau. As if account never existed. No adverse credit on report. Over XXXX years later after I paid in good faith. Still on credit report terms of settlement not followed as promised. Contacted Capital One and XXXX to no results
US Bank Home Mortgage continually calls me, as much as ( 4 ) times per day at my desk at work. They call XXXX, which is my work cell phone. I am delinquent nearly 30 days on my mortgage. I have spoken with a US Bank home Mortgage representative each day since XX/XX/XXXX and run through my financial information and the fact that I have moved to XXXX from XXXX after losing my job in 2008. I have kept up the mortgage payments since I lost my job utilizing my savings and my 401k funds, which are both now exhausted. 

I do have an offer on the home ( finally ) pending. I have asked them to stop calling and to see what happens after the home is sold where upon I can satisfy the mortgage in full. No kidding, their representative XXXX ( ID # XXXX ) told me they will call as much as once an hour until I satisfy the mortgage. This needs to stop.
Capital One is reporting my business credit on my personal credit report. When applied for the business account a federal XXXX was given ( XXXX ) and I was told and told them everything was to be on my business LLC not personal they are reporting on my personal and I want it removed and added to business
XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX While checking XXXX XXXX I noticed that it showed I had a number of hard inquiries ... the XXXX listed above where all made on the same day that I purchased a car. It seems the car dealer shopped around to find me the best rate, but according to the following, the XXXX inquiries should only be showing as XXXX ... XXXX does not have a way to dispute this and no luck contacting credit bureaus. 

" When youre buying a home or car, dont let a fear of racking up multiple hard inquiries stop you from shopping for the lowest interest rates. FICO gives you a 30-day grace period before certain loan inquiries are reflected in your FICO credit scores. And FICO may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For FICO scores calculated from older versions of the scoring formula, this window is 14 days ; for FICO scores calculated from the newest versions of the scoring formula, its 45 days.Similarly, the XXXX model gives you a rolling two-week window to shop for the best interest rates for certain loans. That way, they only impact your credit score once, the company says. ''
This company initially called and would not explain why they were calling me. When I said I would hang up if they did not state who they were & why they were calling then the female caller just said " okay '' and hung up. Today I got a collection notice from Diversified Consultants Inc ( same as the caller ) saying I owed {$28.00} for XXXX. I resolved the bill with XXXX years ago and closed the account. The XXXX bill was resolved after reporting XXXX with the FCC for poor service. I have not had XXXX for 3 years or more. I do not owe XXXX anything at all. After seeing reviews about DCI and seeing people say DCI is " taking advantage '' of the data breach of one of the credit reporting agencies I feel I may be getting scammed.
Citizens bank charged me overdraft fees on an account that never went below {$180.00} then only refunded me one of the charges. There explanation is that there is a time period between when funds on hold are removed from being " funds on hold '' and when they are posted to the ledger which the man I spoke to went on to explain means that there is a time period where a consumer using the available balance they provide online would be operating on information that Citizens bank knows is not accurate but is disclosing anyways. This is clearly an unfair and deceptive practice as the bank is providing a misleading account balance that consumers reasonably will believe is accurate when making decisions.
I have contact ed Caliber Home Lo ans multiple times regarding an incorrrect balance increase they reported to the credit bureau and an increase in my escrow account because of an error of their end for the amount they set my escrow account at and also then paying the e ntire 2016 propert y tax amount when I did n't close on the home until  XXXX   2016. Ea ch time a representative assured me they will find the problem and contact me back. I was never contacted back so I started asking for a supervisor. A supervisor returns my call and assured me she would correct my problems and close my escrow account. I never heard back from her again. I started calling again. Exact same recourse. Another supervisor contacted me and the same spill. Never heard back from her again. My credit is still lower and they are charging me over {$150.00} a month extra each month and wo n't return my call or fix tne issues.     I have documented emails from differ ent Caliber representati ves and there is a customer survey that should be on file of all problems and errors I experienced at closing prior to this new issue. All phones calls were recorded so every minute of this should be documente d. Caliber has  spent my escrow account in error and now charging me more money, lowered my  credit score for a n incorrect balance increase and will not return an email, or phone call. Each new person says enough to get off the phone then ignores me and does not do what they assure me they will do. One representative even disclosed they do n't even have my proper uodat d closing documents on file that they messed up multiple times at my closing when we tr aveled 3 h ours for closing to almost not be given the keys to our new home. My next step will be obtaining legal counsel if this is not resolved and I 'm mislead once more about this being handled.
okay I missed a payment that was due on XXXX and representative from consumer portfolio services her name was XXXX and I told her that I would make the payment at the end of the month because I work for the state and we are paid once a month at the end of each month and she demanded that I give her my banking information and I told her no I would go on there website and submit my payment but she kept trying to get the information from me. I never told that I would not pay them just that I was n't given her that information, since that time I have received XXXX calls XXXX to my job and XXXX to my cell phone can you please ask them to stop calling me at work and on my phone thanks..phone # XXXX
While reviewing my XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CREDCO on XXXX/XXXX/2016. I did not authorize any employee of CREDCO to review my records for any purpose at any time. This is as a direct result of ID THEFT. I personally contacted CREDCO to delete this adverse information and requested for any verifiable signed documents by me, to date CREDCO has failed to provide me any signed documents within 5 business days nor did they delete this information from my report.. As a direct result, I have continued to suffer discrimination and irreparable economic loss of denial of meaningful employment. housing discrimination and denial of credits due laegely to gross negligence of the CREDCO employees acts and omission.