WillisBack/dataset-financial-user-claim huggingface dataset:
In regards to CFPB Complaint # XXXX : Seneca Mortgage Servicing LLC claimed that they " ... previously responded to [ me ] regarding [ my ] complaint on XXXX/XXXX/15. We have attached a copy of that response for [ my ] reference. " This is a false statement, as evidenced by the XXXX mailing label which they provided as proof, dated XXXX/XXXX/2015, clearly showing that they did not in fact previously respond to me regarding my complaint. In fact the copy of the response that they reference which they attached to their CFPB response was the first time I had seen it. 

This just goes to show that Seneca is at best, incompetent, but I suspect there is something more going on here and implore you to open up an investigation of Seneca Mortgage Servicing for possible predatory mortgage servicing practices.
Voluntary surrernder of a manufactured home in XX/XX/XXXX as part of the agreement between my wife, myself and the seller XXXX XXXX XXXX. There was a balance due and paid for the amount of {$1000.00} around XX/XX/XXXX or XX/XX/XXXX. This account was disputed with all three credit reporting agencies and resovled because it was keeping me from the purchase of my new home. Now it is showing again on my Equifax credit profile as a debt of {$1000.00}. This account should n't show on my credit profile at all and if show it should read current and the account should be noted as a voluntary surrender.
On or around XX/XX/XXXX I sent a request for validation of a supposed debt to Portfolio Recovery Associates, LLC ( " Portfolio '' ) regarding a XXXX XXXX XXXX XXXX account with a supposed balance of {$3800.00}. I received three responses, datedXX/XX/XXXX, XXXX, and XX/XX/XXXX, all of which stated that I " had the right to request substantiation of this debt '' but containing no substantiation of the debt in response to my validation request. On or around XX/XX/XXXX, I sent a second request for validation and received two responses. On XX/XX/XXXX Portfolio sent a letter advising me that they had " already responded to a previous dispute substantially the same as you present dispute '' and would not be providing the requested validation. OnXX/XX/XXXX, the sent me a nearly identical letter to the first three, stating that I " have the right to request substantiation of the debt '' but without substantiation/validation as required by the Fair Credit Reporting Act. They continue to report this debt on my credit report despite not responding to my validation request as required by law.
I Have been attempting to get reviewed for a loan modification And have submitted a complete package but I am not getting answers or any communication from our single point of contact XXXX XXXX at extension XXXX even through several messages on her machine and have spoken to other home preservation specialist XXXX with extension XXXX and claimed he would send a message for our SPOC rep to contact regarding the modification. At this point I am desperate, I am afraid ASC/wells Fargo is setting me up to lose my home. Please help me get through this tough time with the servicer
On XXXX XXXX I checked my credit report and all of my inquiries was deleted. I logged in today and all my inquiries are back and it caused my score to go down.
I have asked XXXX XXXX XXXX for proper validation of debt NUMEROUS of times. The company 's responses have been copies of an old bill. Their responses are not proper validations of that debt. I have explained to the collection company that the debt is not mine and that I was with another carrier at the time of the date of the computer generated bill. Because I have had numerous fraudulent accounts pop up on me, I have an extended 7 year fraud alert currently on my file with all three Credit Bureaus. I am fed up and will have to judicially file against this company for allowing this fraudulent account to be connected to me.
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
On XX/XX/2018, I applied for a Lowe 's credit card in order to take advantage of the finance option the store offered so that I may remodel my home bathrooms. However, during the application process for XXXX XXXX, a key code was provided. The store associate contacted XXXX XXXX and the associate whom we interacted with advised my application had timed out on their end and that I should reapply and the application would be overridden. The application was processed literally a minute or two before the call. Again, I reapplied as instructed, but the application declined. We proceeded to contact XXXX XXXX to inquire and were told the application was declined. I personally contacted XXXX XXXX as the receipt from Lowe 's stated my application was submitted for further review. After nearly over an hour on the phone, I was told my various associates and Contact Center supervisors that my application is at the " main office '' pending further review and that I would hear back from them in 10 to 30 days. I am unable to initiate my project because I don't have a decision from XXXX XXXX and fearing having to use an alternate payment method after being approved.
There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, Equifax, and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  and Equifax ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  )
Citi Cards has DELETED REWARDS points from my online account : 1. XXXX plus reward points on Prestige Card 2. XXXX plus reward points for Citi Checking Citi Bank cards continue to be incompetent ad DISCRIMINATES attempting to DENY me POINTS!!
Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last two years. my score has gone up almost 100 pts., which I have been so happy about. 
I wrote yall back in XX/XX/XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan officer the letter. I've reached out to the credit reporting company several times to get it removed and the loan officer faxed them the letter also but no luck so far.

The courts have him paying our 1,000 a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XX/XX/XXXX and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number one IT consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.
90 days have passed since i sent in the information asked of me to to fix my credit standing with and old mortgage from chase. I am on the phone for hours everyday speaking with hundreds of customer service reps that are either combative or not knowledgeable enough to understand this simple request on a mistake made on their end.
Please Help! I believe I am being discriminated against by JP Morgan Chase while trying to refinance my home. 
On XXXX XXXX, 2016, I started the process to refinance my home. After checking my credit and sending all the appropriate documents to determine eligibility for the refinance loan, I was approved. I sent all the appropriate documents to the underwriting department ; each time I send the paper work that is being asked. The underwriting department comes back with something else that needed. 
The underwriting has documents and proof that prove I can afford the loan and will pay the loan promptly ; however the underwriting department with JP Morgan Chase bank continues to make the process difficult for me. I am not asking JP Morgan Chase for a favor ; I am just asking to reduce my interest rate through the XXXX program. With my credit score, equity of my home, and mortgage payment history, the interest rate for my current mortgage should not be 7.11 %. 
It has been almost three months since I have been going through this nightmare. I feel I am being discriminated against because I am XXXX. The Bank has proof I can afford the loan, because I have been with my employer for 20 years, and pay all my bills on time. For the past month, every time I check my XXXX XXXX it is above normal. The underwriting department is request information that does not pertain to me paying my mortgage. I have never encountered such discrimination in life. The underwriting department should not judge the consumer by XXXX their skin on the identification card picture sent to them ; but instead by the individual financial status and history of repaying a loan. 
Sincerely XXXX XXXX
I have had an american express credit card for 2 years. I have the green card. The card is advertised as 'no limit ' bu then later they claimed it based on your average balance. My card was up to approximately $ 6K average balance. American express then took the card and changed it to a set limit each month which is about {$2300.00} I believe ( I am not even sure since the card was not advertised this way and I never received a new account number or card ). The limit is based on if the credit analyst decide to open up the limit which is false advertisement. It should be based on the TERMS. If American Express is going to change this to a preset limit then they should OFFER to change the card or go back to my average spending balance. I am appalled they have been paid each month and decide to change terms as they decide versus sticking to their offer. For a while, I just stopped using the card altogether.
Hunter Warfield is a collection agency for XXXX XXXX XXXX.They are fraudulently and incorrectly stating on my credit report incorrect date opened or dat of service. I would like to appeal date of service when i occu ] ied residence. I move in the apartment homes at XXXX XXXX in 2010 i  gave a 60 day notice and move out. It still showed as an open collection account. I will like to have them verify my signature on the contract that i signed to where this is not legal. To keep reporting a substantial amount of XXXX owed as past due. Which should allow my monthly payment amounts on the contract that doesnt even show on 2 credit reporting agencies. This dishonest action has caused me to be denied credit for a home for my family. By appealing this request to verify Date of service, wriiten contract and signature allow me to provide a warm safe home for my family.
ON XX/XX/2018 I SEND A LETTER TO Total VISA XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX CRET MAIL. 

AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. 

I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. 

I CALLED BACK ANOTHER TIME SAME DAY AT XXXX EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... 

I ASK HIM DID U GET THE LETTER I SEND OUT ON XX/XX/2018 HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... 



Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. 
Postal Address : Total VISA XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX ) XXXX. 
To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX ) XXXX.
As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from Trans Union, XXXX  and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to Trans Union, XXXX, and XXXX  as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
This debt pertains to an old apartment community which I believe is illegally attempting to report debts, as the community itself is in extremely poor condition and we were not originally notified of any problems upon move out. The company they have hired to collect the debt has refused to provide verification in the previous 4 years that I have been trying to obtain it. Three letters and three phone calls and they continue to call despite the fact that it is illegal. They threaten and condescend despite the fact that this is n't about the money, it 's about the legality of the debt to begin with and their failure to comply with the law.
a representative by the name of XXXX repeatedly calls from a company called " XXXX '' saying they received a complaint of XXXX allegations to be filed against me. They say their company is actively pursuing me at my place of employment and residence. 

They call my cell # XXXX and XXXX
My husband and I bought a house in XXXX 2014 with a mortgage from Citibank, with a payment of {$2600.00}. Today I received the Annual Escrow Analysis stating that we have an escrow shortage of {$2100.00} and that our payments will increase to {$2800.00} for the next year. Upon calling Citibank, I learned that our actual escrow shortage is closer to {$3000.00} because of a recent insurance payment Citibank made. Citibank explained that this happened because of the way they calculated our tax bill. However, they should have calculated our tax payments correctly to arrive at a more accurate payment. It seems that they did not include insurance in their escrow calculations either, resulting in the total shortfall of approximately {$3000.00}. I believe Citibank deceived us as to our payment amount, giving us a smaller number at the outset and failing to calculate correctly and inform us of the real cost. If I had known that our payment would increase by {$250.00} a year after buying our house, I may have decided to go with another bank or may have decided not to buy the house at all. I was not able to make accurate financial decisions because of Citibank 's failure to provide correct information.
Account # XXXX .... 

I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. I am a victim of identity theft, and I did not make or authorize this charge An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK DELAWARE mistake. BARCLAYS BANK DELAWARE has resource to enable accurate information about the clients inquiring new services. BARCLAYS BANK DELAWARE allows an account to be placed under my name erroneously. BARCLAYS BANK DELAWARE should verify all information prior to approving any application 's for services. 

FTC Report XXXX : XXXX
I was charged a $ XXXX monthly fee on my checking account. The first month it happened I called Wells Fargo Bank. They refused to reverse the fee.
I received a letter that had my husband name on it and I call EOS CCA and I told them I received a letter and found out it was for my step son ( they have the same name ) and I was told that I had to return the letter and they refused to make the address as a bad address and then I ask to be transferred to a supervisor and was hung up one
I sent a check to pay my Citibank credit card bill in full, {$13000.00} and the check was cashed on XXXX XXXX and cleared the bank account on XX/XX/XXXX. As of today, XXXX XXXX, Citibank can not find the check and has not applied the amount to my account. 

After 5 calls from me and 5 calls from XXXX XXXX company, the company that sent the check, we have been stalled, asked to supply various details ( check number, account, etc. ) and have on multiple occasions with no resolution. Citibank hung up on me today when I called again for a follow up and answer to the issue of where my money is. 
This is unacceptable. They need to be able to find that check and respond in a courteous and professional manner. They are unwilling to call me in a proactive process and instructed me to just follow up in 72 hours for an update. 

NOT GOOD!
I had a debt with a credit card company. I received a letter from them greater than 5 years ago stating that they could not do any legal action against me due to the age of the debt. Recently they have been calling 3-4 times a week though I have requested them not to call.
The seller, XXXX XXXX XXXX, represented by its servicing agent, XXXX and its listing agent, XXXX XXXX XXXX XXXX XXXX utilized XXXX as an auction platform to sell to the public their bank owned property known as XXXX XXXX XXXX, XXXX XXXX. 
Approx XX/XX/XXXX, we were the winning bidders and signed a contract to purchase said home and property. 

We initially were going to attempt to finance said property, but it appeared the condition of the home may not be financeable, so we dropped the price dramatically on a property we had in XXXX so we could perform and close escrow in a timely fashion. 

I was emailing the servicing agent but they were not responding so I called them around XX/XX/XXXX to get pay off information as our closing date was to be XX/XX/XXXX. 

This was when the servicing agent informed us that the seller could not perform or close escrow as ( 1 )  they owed a $ XXXX lien/there was a $ XXXX cloud on title and ( 2 ) that foreclosure had been done incorrectly. 

Shortly thereafter, the servicing agent, XXXX XXXX informed us it might be very easy or take six months to remove the cloud/lien, so they extended closing pending finding out. 

We were initially told that the attorney had a solution, but then we were called by our real estate agent and told that the servicing agent and listing agent needed to conference with us. This was approx. XX/XX/XXXX. 

Finally, the listing agent and senior escrow agent for XXXX XXXX told us in a conference call that ( 1 ) the seller did not have the legal right to sell the house or enter into a contract to sell it, ( 2 ) the $ XXXX first mortgage was sold to another bank and was having it serviced by XXXX, and ( 3 ) XXXX was canceling its contract as the sellers agent. 

XXXX, the servicing agent, then brought their Ombudsman in to resolve or find us a replacement home, to which we have gotten absolutely no help at all and no advocacy. 

This house was to be for my son and his family who were moving back to XXXX from XXXX so my baby grandchildren would have a stable home. 

My son and his family were on their way to XXXX when we had the conference call and they had to live in a motel, extend the time on their moving truck. They have XXXX small children and two dogs, so it was a nightmare.
The company XXXX said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party company
I purchased items at Kohl 's on XX/XX/XXXX that totaled over {$200.00}. I paid for the purchase using a combination of Kohl 's cash, XXXX gift cards, and my Kohl 's credit card account. After all credits were applied, I still ended up putting {$120.00} on my Kohl 's credit card. On XX/XX/XXXX, I returned one item totaling approximately {$31.00}. The Kohl 's employee that took my return told me that the refund would go back on my card. I assumed that she meant my Kohl 's account. A couple of weeks later, I went online to check my Kohl 's balance and noticed that I never received my refund to my Kohl 's account. When I call their Customer Service number, I was advised that the refund went back to a XXXX gift card that belonged to my sister. When I told them that they  sent my refund to another person, they told me there was nothing they could do about it because that is " how the system works ''. They told me to call my local Kohl 's and talk to them about it. I then called my local Kohl 's and had several conversations with a manager and eventually, the store manager. Both employees advised me that my refund was sent back to the XXXX  gift card automatically because that is how the system works. I was offered store credit for my purchase ; however, neither subject seemed to care that a system is in place where a customer 's refund money can be sent to someone else. Also, I did not want my refund in the form of another store credit. I wanted it to go against my outstanding balance to lower the amount that I owed. I was told that this was not an option because the " computer would not let them do it ''. This whole situation is not ok. My refund money was sent to someone other than me. Then they would n't refund the money to my account because they want to force me to spend it at Kohl 's again. I was also told that my sister would have to call Kohl 's to have the money re-issued. This is not acceptable. They sent my money to someone else, so they should get it back. In this instance, the money was sent to my sister. I was able to just get it from her ; however, what if my sister did n't want to give me my money? What recourse would I have? I have already complained to the BBB ( see attached files ), but Kohl 's response does not address the issue of the system that is in place. I have also complained to the Illinois Attorney General, but have not received their response yet.