WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was originally with XXXX XXXX XXXX and was transferred to XXXX then recently to SLS. Once I received the notification that the loan was transferred once again, I immediately requested a loan modification package and sent in all my documentation a few weeks before the foreclosure sale. I was then contacted by SLS informing me that one page was missing an initial so I immediately faxed it over the same day. When I called to follow up the following day, I was informed from a Customer service representative that it was too late and that I would not be reviewed for a loan modification due to it being too close to the sale date. If this was the case, why did they accept the documents just a few days before instead of telling me it was too late then so I could have sought other options. I understand I am behind and am trying to do everything I can to make my payments again and get some type of foreclosure avoidance but it seems no one wants to assist me.
ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN 100 = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON XXXX AND NOW 3 ON XXXX. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT CREDIT ONE REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
XXXX XXXX                        
1. XXXX XXXX XXXX                                     1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX XXXX  3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS XXXX XXXX ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX vs. XXXX    and XXXX, et al v. XXXX XXXX  

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX
I noticed that there is an unauthorized hard inquiry on my Equifax credit report that was processed by XXXX XXXX. I didn't recognize the inquiry and contacted XXXX XXXX   to ask them to remove it since I don't have any business relationship with them. A few weeks later, XXXX XXXX   sent me a letter stating that they don't have any record of me in their systems and that they never did any inquiry on my credit file. 
Finally, I contacted Equifax and submitted the XXXX XXXX letter as a supporting document in order to get the hard inquiry removed from my credit report but Equifax responded with a rubber stamp statement saying " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''. 

I don't think Equifax properly investigated the case or even looked at the supporting document that I have provided and I have firm believe that my credit record was illegally accessed and altered as a consequence of the Equifax 's data breach ( The unauthorized inquiry occurred around the time the data breach was discovered ).
On XX/XX/18 XXXX/XXXX  XXXX reported late payments onto my credit file in era. On XX/XX/18 XXXX/XXXX  XXXX send in a request to Equifax reporting agency to remove the late payments from my credit file. " Please see the inclosed complaint response from your organization, which has responded to and closed '' After XXXX/XXXX XXXX sent in an updated request to the credit reporting agency " Equifax '' to delete any and all late payments from my credit file by XXXX/XXXX XXXX, They did just the opposite and kept it on there. Equifax intentionally refused to delete inaccurate information from my credit file. By law, it is the responsibility to report accurate information on the credit file by Equifax credit reporting agency. My request is that Equifax do their job properly, and report accurate information to my credit file.
This is complaint is a result of civil fraud on the part of citibank and their XXXX branded card. 
I was on the XXXX website booking a trip. EVERYWHERE on the site there appears an ad, offering a XXXX dollar statement credit and XXXX bonus miles ( after spending XXXX dollars ). I clicked on the add the read the fine print. Obviously I had to be approved for the card, which i was that same day, and I used in instantly to purchase the flight that cost over a XXXX dollars. 
I waited for weeks and nothing and called citibankThere agent could not explain why there was no statement credit but said she would add a XXXX dollar statement credit. 
Even though I met the requirements the XXXX bonus miles were denied. These miles cost XXXX dollars. I was told they were denied because i had a similar card within 18 months that was XXXX related. 
Now there are several reasons this denial was unjustified ... 
1 ) I was given no chance to appeal2 ) the fine print on the XXXX site did not mention this potential disqualification3 ) I was aware of this issue previously and I actually called Citibank before i applied to verify if I was over the 18 months since my last XXXX branded card. I was told by the agent i did indeed have a black XXXX card but that was closed by my in XXXX 2014, over 18 months ago. 
I think it is sad XXXX and CITIBANK have to result to such behavior to gain clientsI was damaged XXXX dollars, the cost of the promised miles
The original Debt came from XXXX XXXX XXXX. The debt was an error or their part and was not a valid debt. I contacted XXXX regarding this in XXXX of XXXX, they then contacted Professional Finance, which is the collection agency to advise this was not a valid debt, and requested it be revoked and removed form my credit report due to their error- this was not done by Profession finance. 
I pulled an annual credit report in XXXX of XXXX to discover this debt is still showing from this creditor and collection agency as an open account. So not only is it still showing as an open account, it is still showing on my credit report, which it should not be at all. 
I then contacted XXXX again in XXXX XXXX, they in turn contacted Professional Finance and spoke to XXXX on XXXX/XXXX/XXXX. XXXX advised that she would contact the credit bureaus and have this debt removed. As of today XXXX this debt still shows as an open account on my credit report. Professional Finance has failed to take the appropriate measures to remove this negative information from my credit report after several attempts and requests to do so.
This complain is a follow up to the response from the American Express since the response raised further question. The original case # is : XXXX. 

Why is the conversion limited to Blue Cash Everyday? Why ca n't I convert the discontinued card to Blue Cash or Blue Cash Preferred? 

The response raised further question. Because American Express purposely delays the rewards unlike other credit card issuers ( 1 month behind giving the earned rewards ), there is an issue if I would not let the conversion goes through. If I cancel the card and apply for the Blue Cash today as it stated on the response, I have to forfeit two months ( XX/XX/XXXX and XX/XX/XXXX since my statement date is on XX/XX/XXXX ) of what I righteously earned. Due to the discontinuation of the card, can you accelerate the rewards so that I can close this Cash Rebate card after I redeem both XX/XX/XXXX and XX/XX/XXXX cashbacks within this month, and apply for the Blue Cash within this month? I just do n't understand why I 'm being penalized for the American Express 's decision on this forced conversion.
My mortgage company is charging me excessive escrow amount. I bought my property XXXX, XXXX. This was a new building. The taxes on the land only was XXXX per XXXX. In XXXX the property was assessed and the additional amount for the improvement was XXXX covering XXXX XXXX to XXXX XXXX an eleven month period. my total for XXXX was XXXX and my XXXX estimate is XXXX. Their escrow analysis shows my taxes as {$18000.00} which is wrong. They use the XXXX as taxes for XXXX and as added assessment for 11 months. I have been trying since XXXX to explain but and have my escrow at an accurate amount but they refuse to have an accurate amount. 
Thanks for your help in this matter. 
My Mortgage company is Ditech, XXXX XXXX TX. Tel. # XXXX
Our authorization was faxed XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a rep who said they had received our authorization and there was no foreclosure date scheduled. 

On XX/XX/XXXX we also faxed and emailed the Purchase Agreement, HUD, Buyers LLC Docs and Buyers Proof of Funds. 

XX/XX/XXXX we called in to make sure they received the offer documentation. We were told SLS will not review the file for a short sale since it was received less than 45 days before the auction date..Suddenly there is a foreclosure date of XX/XX/XXXX? AND they are refusing to work on the short sale? 


I want SLS to work on the short sale as there was no foreclosure date when the offer was submitted.
I signed up for a debt relief program through XXXX. They are representing me to help me settle my debt for certain creditors. All my creditors except for one has abided by the process and dealt with XXXX except for one. Their name is synchrony bank. Per XXXX i have given synchrony bank XXXX number and their address and excercised my right not to talk to them. Somehow they got my parents phone number which i never gave them and have called them 5 to 6 times a day harassing them and they have been told numerous times by parents not to call them. Synchrony bank has my XXXX number and obviously is refusing to take the time to call them but feel their time is more valuable harassing my parents.
On XX/XX/2017 I sent money to XXXX using money gram. However when my receiver went to pick up the money to XXXX they were not able to give it to him due a expired IDI so he call me back and said he submitted his renewal idi but he will get it in XX/XX/XXXX way to long so next day I called money gram and since that day I am still calling them every day 3 times at day and every time I have to explain them the same situation some of them had told me I am receiving less then what I 've sent so but at the end always they have been telling me the refund is pending, call back in 45 minutes. Or 48 hours or next day or tomorrow or let me transfer you. Then they hang up or said the same thing. I am afraid they end up not giving me my money back neither my receiver in XXXX. Please help me in this matter because I am getting upset about this situation and there is no one in moneygram staff that has been able to help me and give me my money back is been a week already. Thanks
This company is making it impossible to repay my loan. There are no options for payment that do not result in additional charges. Trying to make a payment by phone, only open from XXXX to XXXX mon - Fri. Wanting to pay online is a percent, costing {$17.00} or more in fees. Pay by check is a {$2.00} fee. Auto withdrawal is n't working and they charge a {$20.00} late fee. 

This is robbery. The interest is bad enough, but the inability to pay without extra fees is ridiculous.
Both Experian and XXXX show a withdrawn federal tax lien as being a released federal tax lien. I have communicated with XXXX agencies concerning the fact that the IRS has withdrawn the lien and should have been treated as not being in effect. While the information is reporting an event that happened, i.e., the lien was released by the IRS, the IRS also filed documentation showing that the said lien was withdrawn. 
This information has been harmful to my credit worthiness and has had an economic impact.
On my XXXX report this doesn't appear, I have the same creditor and they are charging me from 3 different companies.And the amount keeps getting higher. Can this be done? Because i have read on your page it is called double jeopardy. I had insurance. And if my insurance did not pay i was not aware of it. 

COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$1800.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$1000.00} Highest Balance {$1000.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH FINANCIAL SYSTEMS Last reported : XX/XX/2018 {$940.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$940.00} Highest Balance {$940.00} Opened XX/XX/2018 ( 1 mo  ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX  XXXX XXXX
In XX/XX/2016, my monthly auto payment on NationStar 's website experienced a technical glitch and caused my monthly mortgage payment to not be credited. All other months had been paid up to this month, but due to the technical issue, my payment was " kicked out '' of the system. I was eventually notified and paid the mortgage payment immediately. 

On XX/XX/2016, I was notified that the payment was late for XX/XX/2016. I had made a regular payment and then proceeded to set up automatic payments from that point forward. Once we submitted the request we were under the assumption the set up was complete and the payments would be timely made. It was not until we were notified in XX/XX/XXXX that payments had not been made timely. We promptly made those payments online. We then proceeded to set up recurring bill payments through the local bank since the original set up had not occurred As with most folks these days we relied on technology and in this specific situation it failed. Certainly, the payments were not intentionally late as I was confident that automatic payments had been established. 
Both " late '' payments resulted in a reporting to my credit agencies and severely damaging my credit rating. I am requesting that your company update the late payment in XX/XX/2016 credit reporting due to this being a technological glitch and not a consumer oversight or avoidance.
I have an inaccurate status on my credit report. I have tried disputing it several times with no prevail. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting my case 180 days past due. The problem is, I have not missed a payment in almost 2 years. The problem is with experian, and XXXX XXXX XXXX  XXXX XXXX XXXX. My job directly takes the monthly obligation out of my paycheck every two weeks per court judgement that was mailed to them when i first started working there. This is directly effecting my credit score and giving me a bad name.
On  XXXX / XXXX /  XXXX   I went to Bank of America, located on  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  in order to obtain a signature guarantee to transfer funds from my  XXXX  IRA account to my ex-wife 's  XXXX  IRA account, in accordance with the " Consent Final Judgment of Dissolution of Marriage. I was referred to a Merrill Lynch associate -  XXXX   XXXX . The service was denied to me in spite of the fact that I had all documents they need it to perform it and they were available to him. I was asked if I have an account with Merrill Lynch. My answer was " No '' moment when I was told he can not perform the request and I was asked to try other Financial Institutions ( which I did  ).  I wandered what the would 've been if i had an account with Merrill Lynch which is part of BOA. Fortunately, my ex-wife has an account with  XXXX   XXXX   XXXX  and based on the documents I had they performed that "  Signature Guarantee '' in less than 15 minutes. Under these specific circumstance I want to complain about the way Merrill Lynch, part of Bank of America tries to force consumer to buy their products. I think was unfair and discriminatory the way my matter was handled by BOA and I will do  everything in my power to correct this way of doing business.
Wells Fargo has been has been taking claims and then reversing the fees even after I worked with the consumer and was advised by the consumer themselves to contact the bank. The company, in certain cases even authorized a partial refund as the problem continued. I contacted the bank they issue a refund and file the claim but, then would reverse the charges at very inopportune time during the holiday. As well as all year. I had another issue where they just out right refused to file the complaints fully through at all and the error was their own and I even had a banking reference number and contacted to make sure the funds were available before submitting the payment. And in addition, I was offered a presidential reimbursement, where Mr. Trump, Mr. Obama and my dad as well as a couple friends ... left checks written out to the bank with my name on it as the person it to be in care to. I understand this may not be a typical form of payment to some, but I was advised they leave the checks at the branches they are typically closest to and will even reach out to the other ones in moat cases. There is no reason that my claims should be reversed back especially my claims are of legitimacy even with out compensation offering to my claim filings. Also, I noticed anywhere from a 50 to 150 with holdings from my balance Like is just lost in air space. Please help ASAP to have this situation financially reimbursed on my behalf immediately.
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXXon my credit card accounts.
so ... here is some fraudulent paperwork I have asked the company about but to no avail do I get an answer ... no ... you can clearly see XXXX set of papers no scribble scratch on top left corner ... clearly endorsed by decision one mortgage ... these are from XXXX ... next set..some scribble scratch top left corner ... certified true copy ... its says ... no readable name ... no date ... and clearly decision ones signature disappears ... these are from XXXX ... next set ... clearly top left ... scribble scratch has disappeared ... and clearly decision ones signature appears again ... this is XXXX ... decision one has been put of business since XXXX ... .this is clearly wrong!!! looks to me like someone is made up papers to get my home with!!! i have more too ... let me get answers on this first ... thank you!! and this stuff is now going out everywhere bc the company will not answer me!!! I tried
i have account with chase bank, & i noticed several times my account balance was low & i thought my figure was not right. but this morning when i opened up my account the balance was remarkably low & i called chase bank customer service & calculated balance with her, named XXXX & she agreed with me. The system was wrong. i captured the screen & will enclose with this report. i make report on Chase bank manipulating account balance many times & i need all the fund i lost from the bank.
I tried to use the annual credit report website. I was able to get my XXXX and XXXX reports, but Equifax kicked me out, instructed me to use a paper request with unduly complicated instructions and then when I went to try and access it through the annual credit report website, displayed a screen falsely saying that I had already accessed my free report for the year. I attempted to call them and their automated system is useless.
in reference to these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence datedXX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. <P/>I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX