WillisBack/dataset-financial-user-claim huggingface dataset:
We were advised in writing by Ditech of the incentive payment ( via principal reduction ) of {$5000.00} via the HAMP program for keeping our mortgage payment current for XXXX or more years. This principal reduction was given to us in XXXX, 2015, and then added back to our account balance XX/XX/2015. We feel Ditech has not acted fairly with us or communicated with us in writing about why this was done. We made decisions based on this principal reduction and did n't notice the {$5000.00} was added back on to our mortgage balance again until XX/XX/XXXX. We have been contacting the company since then and have just been verbally told that when the loan was sold by XXXX to Ditech, XXXX gave Ditech the wrong account numbers for this credit. 
As we are now selling the home, we were told we would not ever receive this credit when this is sorted out if we no longer have an open account. But I contest this statement, as in fact we were already given the credit, and then it was retracted without explanation. Additionally, we met the terms of being current on the mortgage for the required time ( and more ).
Capital One Card reports my XXXX score as XXXX, but the actual posted score reads XXXX.
I have paid what my insurance sent in explanation of benefits. the facility itself states I had no further debt. Yet this company has twice tried to get money out of me for XXXX XXXX I had. Now they have made their way to my credit report and are hurting my credit. I am working with my insurance company to dispute these false charges. Ridiculous that I have to waste my time proving I have paid all the medical bills I was given to some company when the hospital itself does not reflect any balance owed and claims to not have any association with this company.
I have requested numerous times to have incorrect address, non updated collections Accts And Unverified and non validated information removed from my report along with invalidated information. I received a letter stating it was verified without informing me how the information was verified other than word of mouth by a creditor. I worked for a company who merged files for tax write offs. Experian employees are very rude, unprofessional and argumentative. Refusing to escalate my call. Placing me on hold for 37 mins before returing to the line with an attitude. A manger will call you. That was 7 days ago.
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages th  at I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored m  y request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any o
f the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of a  n updated and corrected credit report showing that these items have been deleted.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
My identity was stolen in the middle of XX/XX/XXXX, I changed all my banking to capital one 360. My first direct deposit went in onXX/XX/XXXX, the morning I checked my account and everything was frozen, could n't spend or withdraw, transfer funds. Nothing. I was on the phone all day trying to settle the matter, without any resolve. The final person said that I should know the reasons why they were choosing to end the banking relationship. And that they were sending me a paper check and I should be glad of that and hung up on me. I have yet to receive my check for XXXX from them. And now they flag me and send me immediately to an answering machine that nev3r returns my calls
Today I went into the XXXX PNC Bank location on XXXX XXXX XXXX. to cash a check that was written to me from XXXX for overpayment in the amount of {$47.00}. I asked the teller if I could cash the check. He continuously asked what kind of a business was XXXX. I explained that it was my insurance company and that they are an insurance company for military personnel. He had my military ID card and my state issued drivers license. Yet he was determined to prove that the check was not valid. When he finally discovered that the check was good, he said he would have to charge me a {$10.00} fee to cash the check even though the check said PNC Bank. He told me it was because it was a company check. I felt like he was discriminating against me. After service like this I would never open an account with this bank.
The problem relates to a Bank of America XXXX BOA XXXX Credit card credit limit decrease, I have been a customer for 19 years. The credit card had a credit limit of {$21000.00} on XXXX a payment of {$6500.00} was made against the account. The minimum payment due on the card at that time was {$230.00}. However by paying in the {$6500.00} the intent was to pay my property taxes with the card, taxes were due on XXXX for {$5500.00}. However on XXXX Bank of America elected to reduce my credit limit without informing me to {$16000.00} a reduction of {$5200.00} on the credit limit based on my most recent credit report. Finding myself in the very unfortunate position of being unemployed for the past few months, this is the first time I have been unemployed in 19 years. This unilateral action by Bank of America has caused a major problem with our home finances. Having very carefully budgeted the monies we have available, we would never have paid the money XXXX {$6500.00} XXXX into the credit card if we had known the bank was going to take it away by decreasing the credit limit without even having the courtesy of calling us. So when trying to use the credit card on Sunday XXXX for dinner the card was declined. Knowing I had just made a large payment into the credit card on XXXX I was very surprised and called BOA as soon as I got home. Only to be informed by customer service that the bank had reviewed my account and reduced the credit limit and I should call back on Monday morning when there was someone to talk to at the Bank. 
When I asked BOA customers service why I had not been informed about the change, I was told the Bank had sent a letter in the mail. Most of my communication and interface with Bank of America is via the on-line banking software, and there was no mention of this in the communication in the on-line section of the credit card. The formal letter of the credit limit decrease arrived on XXXX in the mail, still no mention in the on-line banking message area. As mentioned before I have been a BOA customer for 19 years and have many different products from BOA. Checking account, Savings, Mortgage, Home Equity and Credit Card. So frankly I was very surprised and felt disappointed and betrayed that a huge and powerful Bank like BOA can unilaterally make a decision like this that profoundly impacts a loyal customer that is struggling. Maybe they consider themselves to be above the law, frankly this type of underwriting behavior is predatory and self serving in the banking business, and should not be allowed. 

Please feel free to publish this bad banking experience at Bank of America, so people can understand that customer loyalty is not appreciated at Bank of America. All they want are the deposits and fees the people are less important. This is why the regulators should breakup the big banks, basically no customer service and no communication other than XXXX numbers with faceless people or letters in the mail.
Seterus is charging me fees to see if I lice in my house. They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. They took the account over in XXXX of " XXXX ''. I was disputing some payments. And if you looked at my account I made payment every month. So I tryed to pay extra to get caught up. so setures stole the money for fees and charges I was NOT aware of. Why would you send a guy out to check the house out when I call ever month and make extra payment, unless you care ONLY about profits and are trying to steal house? If they give back my money I payed extra, I would almost have enough to get caught on my payments. Please help me end this over burden greed bank practice so I can own my home.
I was making payments to a medical imaging company and they still turned me over to collections. I told them I could make at least {$50.00} payments a month minimum and they refused it. They said they needed more and that I had to give them a credit card to charge. I was actually sending them more the {$50.00}. I paid {$320.00} on XXXX, {$100.00} on XXXX, {$50.00} on XXXX, and {$170.00} on XXXX. Can they legally turn me over to collections when they refused my payment arrangement, plus I was still making payments?
I was served a law suit for a medical bill. My wife and I found money to use to settle this bill we had allowed to go delinquent. My wife called into the agency to attempt to settle the dept. The company took her payment information and told her that they would withdraw the lawsuit. I later called in to request verification in writing that if we paid the debt with them the lawsuit would be removed. The agent, XXXX XXXX, proceeded to become rude and question why i would allow my wife to proceed if i disagreed. I then told him i was uncomfortable with the deal multiple times and he kept interrupting and repeating what i was saying. He then offered to cancel the payment and allow us to start over. When I said I wanted that option he became ever ruder and combative. I told him all i wanted was to settle the debt and i was not comfortable. We then ended the call with him cancelling the payment. 

I then immediately called back to speak with a manager XXXX XXXX. I informed him of what happened and he did not care at all. He did treat me better, but then he also informed me that they would not have withdrawn the lawsuit and that we had to pay the debt in full. I told him I wanted to know if i could settle with a lump sum payment and he said i could call back and work it out with XXXX XXXX. I told him I did not want to work with XXXX and that i was not comfortable. He proceeded to tell me i had to work with him and that he was the only person on my account. Not until I told him I would be filing a CFPB complaint did he let me know i could settle and that I could call back and speak with him. 

Their practice was deceptive, inappropriate, and unprofessional. I called in to pay my dept and take care of things and they treated me with disrespect. This company also mislead my wife and XXXX strong armed her into a payment arrangement we could have never met. This was a clear care of bully mentality and this feels business as usual. 

As a person who works for a debt collection company I know how important it is to have a willing paying consumer ... this was inexcusable.
Everything about this collection is incorrect. The date opened is wrong. I never had XXXX in XX/XX/2018. The balance is incorrect. The account number is WRONG!!! This company is illegally reporting inaccurate information. They need to provide the last statement from XXXX proving date opened as well as the alleged balance and the account number. If they can not, this account needs to be removed immediately or further action will be taken!
Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like few days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores. I 've spoken to them over the phone and has asked to put my payment on auto withdraw and they assured me that they will fix it but to this date I am getting a pay by mail ( bill ) sent to me. I speak XXXX as my main language. please have them call me with a XXXX speaking representative.
I 'm writing in regards to an amount of {$62.00} under METRO REP COMM SVC INC # XXXX that still continues to show on my XXXX credit reporting agencies reports as unpaid, despite it being satisfied. I would like COMM SVC INC to contact XXXX other reporting agencies noting that this amount ( {$62.00} ) has indeed been satisfied and to remove from my XXXX other credit reporting agencies. Would like a letter of satisfaction mailed to me as well. 

COMPANY : METRO REP COMM XXXX account # XXXX XXXX Address XXXXPhone : ( 951 ) 273-7700
I dispute this debt because it is a charge for services that were not provided according to my contract with the company. I had technical problems with my XXXX cell phone/internet service. I reported these to the technical department within the 30 day time period for free cancellation. The process of attempting to solve the issues went beyond the 30 day period, but did not solve the problem. So I cancelled my contract. Because I gave notice of technical problems before the 30 day period expired, and they were not able to be resolved by the XXXX technical support staff, then in effect I had cancelled my contract at the time I first called for support. Nevertheless XXXX wants payment, even though they could not solve the problems.
I tried to go back to school in XXXX, at XXXX Jr College I was in class not even a month and told because I didnt have a high school diploma or something equivalent I didnt qualify for any student loans, and was asked to dismiss myself. Now over 20yrs later I have all these student loans I'm to pay back I cant seem to get any help in this matter I thought it was taken care of only to find out the loans have been sold to collection company 's. My credit is a mess I keep disputing these issues and cant get it cleared up they have intercepted my taxes my wages and I do not owe anything I NEVER SIGNED FOR ANY CHECKS REGARDING ANY STUDENT LOANS, some one had to for them to be cashed and used on a student that wasn't even in school how do they get away with that? I have contacted the school which is now XXXX college spoke with XXXX XXXX from admission she went back to XXXX and shows no record of me ever attending college they have all the XXXX jr college records and transfers, no record of me. Over 20 +yrs I have been dealing with these loans that should of never been. PLEASE HELP ME. 
XXXX XXXX XXXX XXXX XXXX
I got a loan through spotloan and paid them almost triple what I owned. I called and said how come my bill goes up every month even though I made payments to no answer was given. I told them I 'm done paying cause it 's not right to charge false fees and then found out it was illegal for them to operate in washington state and they still tried to collect and even sold my loan off. No after paying almost XXXX grand they want another XXXX for a XXXX dollar loan. This is extortion and flat of theft. I want them to leave me alone and realize the state of Washington does not recognize them as a legit buisness and per RCW law it is illegal to collect. I was honest and paid back what was owed but it was never enough for them. I 'm done trying to be bullied and harrased into paying more
I 've tried numerous times to remove this debt that does n't belong to me from this company, diversified solutions. They sent back information stating that it was mine but never had proof I signed anything. They have used ridiculous tactics and harassment to get me to pay for something that I never even had.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so..Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate reporting ), and Chapter XXXX Bankruptcy Discharged XXXX
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, 2015 Honorable Senator : I am in need of your assistance. The situation is thus, a few years ago I cosigned student loans for my Daughter XXXX. Situations that were unforeseen occurred. My Daughter XXXX reneged on repaying the student loans. XXXX of the loans went to collections, when I was contacted by the collection agency I was threatened. Not knowing any better, I started to make payments. I later found out that what they did was illegal. 

I am getting on in years and ready to retire. Things have gotten worse. I had to file for bankruptcy to protect my home. Tried to take advantage of the HARP program, but was denied due to no credit. It 's to the point, We are living paycheck too paycheck. 
We have no funds available to cover any unforeseen problems that may come. 

The funds should 've gone directly to the college instead they went to the student. In our case, she spent all the money on herself and not for further education. The funds should go directly to the college. Out Daughter XXXX, scammed us and the loan originators. 

We are at the point that we can no longer afford to repay these student loans. I believe your office can help us. Why is it that the student is not responsible for repaying the loans, the loan companies go after the cosigner? 

I believe you could submit legislation to prevent this from ever happening to anyone again. The student should be held accountable and be responsible for repaying their student loans and not the cosigner. 

But in the meantime, I need any assistance Your Office can provide Me. Any help you can offer would be greatly appreciated, in regards to programs or legal legislation that can offer student loan forgiveness. 


Respectfully, XXXX XXXX XXXX
I have tried many times to get Equifax to take this off my credit file for XXXX XXXX XXXX XXXX XXXX XXXX that bill was paid in XXXX of XXXX by my insurance company XXXX XXXX and XXXX XXXX XXXX Tennessee and I paid a {$22.00} copay this has gone way past Fair Credit Reporting I need this removed
This is in response to Equifax 's results on my reinvestigation on XXXX XXXX, 2015 regarding my dispute of XXXX XXXX XXXX account number XXXX. 
Equifax has not submitted any reinvestigation results to me or to XXXX XXXX XXXX regarsing this misinformed account. This account is reflecting numerous inaccuracies which I am disputing on my behalf. I am entitled to a legal and informed reinvestigation and but they have failed me and have not verified, proved or corrected anything regarding my initial dispute Please have Equifax formwrd me every signed documentation which was reviewed by XXXX, who informed me over the telephone, that their investigation was complete. 
Upon my phone call tI was refused any and all information that was verified to me and the payments information was held from me. I am disputing its accuracy and completeness and have nothing to go XXXX. XXXX XXXX XXXX has informed me that all information is non-verifiable and in archive and nothing can be verified beyond a name. 
If I have no signature, proof of payment, correct payment history how did Equifax get this verified? 
I believe there is fraud and lies on Equifax 's behalf and this seems like a blatant violation of the law. I will not accept these results and have nothing further to say.
I have a hard inquiry from XXXX I believe it 's XXXX I have never applied for XXXX or gave them any info of mine. I called XXXX and they have no records of me having an account.