WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX-18 @ XXXX XXXX I contacted Nation Recovery Center about a debt that showed up on my credit report that i wasn't completely sure of what it was. I was transferred to an agent XXXX XXXX who i inform i wasn't 100 percent sure of the debt and when he informed my of what the debt was I told him I thought it was cleared in a previous bankruptcy. XXXX XXXX inform my it wasn't. I proceeded to inform XXXX XXXX that I, m currently unemployed and would like to try and settle the debt, when XXXX XXXX proceeded to inform me that I'm lying and that I am current working. He then gave me the name of a former employer when i attempted to inform him that the information was incorrect but was told once again I'm being untruthful. I asked for a settlement amount on a {$1700.00} debt when i was put on hold and was offered a {$1300.00} settlement. When i tried to get a lower settlement amount and explain that I'm currently unemployed, XXXX XXXX proceeded to in form me that I'm lying. I was also told that " how can i afford to buy a {$30000.00} car last year with no job '' I explain that I brought it last year when i was employed. XXXX XXXX continued to claim I was lying and then inform me that I'm gone pay this debt one way or the other. He told me that they could garnish my paycheck, also that they can put a lien on my bank account at XXXX and at XXXX. Then XXXX XXXX told me that I'm going to have to pay them anyway because I'm trying to buy a house and the place where I'm trying to get the loan will make me pay which I never informed him of. I then told him I never said I was trying to get a house and he proceeded to tell me I was and name 5 other creditors that I paid off. At that point I asked to speak to a supervisor and then was told by XXXX XXXX that he is rejecting my settlement off and i have to pay in full then transferred me to a supervisor XXXX XXXX XXXX ( supervisor of civil judgement ). I explain to XXXX XXXX that I don't appreciate the threats and the interrogation tactics, XXXX XXXX seem to condone XXXX XXXX actions. I then asked that the call be reviewed by a supervisor and the appropriate actions be taken. I then inform XXXX XXXX that i want to settle the debt, When XXXX XXXX inform me that the settlement amount was off the table. I honestly feel violated and no company should have the ability to threaten you and call you a liar to make you pay a debt in which I reached out to settle.
Citizens Bank accepted my deposit of {$150000.00} on XX/XX/XXXX. They claim they can not " verify '' the amount with XXXX XXXX XXXX. I asked them what they mean by " verify '' but they could not. I confimed with the title agency who has the XXXX relationship with XXXX XXXX and they they had over $ 5Million in funds available at XXXX. The name of the title agency was " XXXX XXXX XXXX '' of XXXX XXXX NJ.. They refuse to clear the check until XX/XX/XXXX. 

Citizens is clearly delaying the clearing of these funds to make money on the float. I suspect I 'm not the only customer getting screwed. 

Please call me at XXXX.
There are XXXX accounts on my TransUnion Report that are reporting as delinquent and they are not. They have never been delinquent and should be reported as paid as agreed.
We closed on our place recently. The closing documents we received from the title company contain blank forms with only a signature, missing notarization, and lastly with regard to the termite inspection is inaccurately completed. E.g. the name of the pest control company on the form is completed with the mortgage companies name. We've asked the lender multiple time for an explanation and none has been provided. The lender claims " the loan is closed '' and there's nothing to do. We've asked the lender to resolve these errors and they are refusing. They've asked us " what's your motivation? '' " what answer are you looking for '' via a phone call last Friday. I response that I would like them to respond one of two ways : 1 ) There was a clerical error and we will correct it. 2 ) There is no error. The latter of which, seems suspicious since other council to us has advised that these forms are required for a VA loan and certify appropriate housing conditions & new home warranty. If the lender will not provide the completed documentation, this seems fraudulent - we would like this resolved by having the errors corrected and new completed documentation sent to us. We are also asking for the completed closing package that the bank has for us to make sure those documents match what we returned to the title company.
See attached series of emails sent to   XXXX   XXXX    customer service. I purchased a diamond ring from   XXXX   XXXX   in  XXXX  and was promised on the day of purchase a 8.9 % money back within 30 to 50 days. I was later told by  XXXX  's customer service that the payback period is 90 days. It has now been 148 days and I am now out of pocket over {$600.00}. This is fraudulent promises. My internet research shows that I am not the only one with this complaint. I realize that the initial promise was made in  XXXX  and may be out of the US jurisdiction, but I have hopes that a complaint can be generated since  XXXX  home office is in New York. Their address is   XXXX   XXXX   XXXX   XXXX    XXXX , NY  XXXX . I also realize that the money back program is a  XXXX  government program. But,   XXXX   XXXX   is surely well aware of the problems with this program while making false promises to US citizens in order to make a sale. I have also attempted to contact   XXXX   XXXX   XXXX   as they are the ones who vouched for   XXXX   XXXX   as a reputable company prior to me making the purchase.  XXXX  has been non responsive.
I have been attempting to make a payment to my account online. The payment did not go through because the creditor did not process it. I pay the debt in full every month. They stated that the issue was my problem regardless of the fact that I have submitted the payment and it did n't process due to their website error. My credit is effected.
Good Morning, I have been dealing with this nightmare for way to long. ive had my identity stolen and apparently it still is. I have all kinds of cell phone debt on my credit report but i never opened them. I can not get ANYTHING because of this! 
i try and apply for any type of credit and they can not help me because what was one XXXX is now - .... My credit score can not be found. 
Please help me! 
I want to start college and can not do anything!
XX/XX/XXXX Credit Bureau Services was contacted in regards to notice received in mail. Notice received in mail was in regards to collection in amount of {$360.00}. Upon contacting Credit Bureau Services, a collection agency representative notified me of the attempt to collect a debt on behalf of a company. I asked if the account was already reported to the credit bureaus. I was told no. I asked if I paid in full would the account be reported to the credit bureaus. I was told no. I provided payment information for the aforementioned amount in full. The full amount was debited from my account 3 days afterwards. 
XX/XX/XXXX Credit Bureau Services was contacted in regards to collection account showing on XXXX  credit report despite having paid in full and being told they would not report if payment was paid in full. Representatives of Credit Bureau Services retracted their original statement that they would not report on my credit after paying in full. Instead, Credit Bureau Services then told me that they report regardless, even if the amount is paid in full. I was told they went back to listen to the call made between myself and the representative. I was told I did ask whether or not it would be reported. I was told the representative explained to me that it would be reported anyway. Despite contesting this claim, I asked if I could hear the recording and was denied. I was told Credit Bureau Services reports in the middle of the month and that they specifically reported to the credit bureaus on XX/XX/XXXX. I asked again, if I paid in full prior to the reporting date, why did they go forward with reporting. I was told it is their policy.
My wife and I are in the process of buying a home. We were approached by BBVA Compass Bank and so we decided to apply for a loan with them. The complaint is that we have put in an offer on a home back on XX/XX/18 and on XX/XX/18 we heard from the underwriting department for the first time with a long list of requirements. This was 1 day before the original scheduled closing date. We gathered all of the information requested over the weekend and when everything was finally submitted we were told our tax transcripts were needed, so they requested them on XX/XX/18 I do not understand why they were not requested earlier in the approval process but this was the case. We were informed today that the tax transcripts were not received and the lender asked me if I could go request them myself. This is a step I myself had offered a week ago to speed up the process but was assured it was not necessary, clearly not the case. I have to travel to XXXX TX from XXXX TX on Thursday XX/XX/18 because this the soonest IRS could have an appointment for us. I received an email again today from the underwriting department requesting yet again all the documents that were requested on XX/XX/18 and already sent. VERY FRUSTRATING!!! 

Through out this process I have been sending countless unreturned emails and texts, left unanswered voicemails to the lending company and have had very little responses. I have requested to speak to a manager and the manager is also terrible about communicating, which he assured me he would stay in close contact with me. Both the loan office XXXX XXXX and the manager XXXX XXXX have accepted that the bank has never gone through a situation like this one and that everything that could go wrong has!! 

At this point my family and I are in a difficult living arrangement because of this situation, the sellers have moved out of the house and are in the airline business so the lack of communication to the realtors has frustrating for them too. My family and I do not know if we will get this house especially now since after multiple closing amendments signed by both parties ; the seller has given a final ultimatum of closing by XX/XX/18. It is now after XXXX and my lender has yet to communicate to the realtors if we will be closing by that date.Through out this entire process we have felt as our loan is nowhere on someones priority list.
I received a collection from healthcare receivables on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX XXXX. I am XXXX XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.
A while back we were forced to open another checking account in order to obtain a savings. I never wanted XXXX checking accounts but was told that was how pnc bank had to do this to open the other savings. In total I had XXXX accounts, our regular checking. The account I did n't want and XXXX savings. We never tried to use the other checking but some how it got mixed in to our pay pal account which charged XXXX transactions to it. PNC never notified us of the over draft instead they kept charging the account penalties until reaching {$290.00} then they took that XXXX out of our checking with out notifying us and closed that account. I called talked to a very rude person in their REG team who said all these penalties are valid and it was n't their fault they did n't notify us cause we could of checked the account balance online or called them. After yelling he agreed to a XXXX refund but I still feel cheated out of my money that they stole from a veteran trying to feed his family of XXXX. The end I do accept some responsibility but notification from PNC should of been sent, not just XXXX the account with penalties and then take money out of the other account. Money that we had already used to pay a mortgage.
My bank account had a court ordered hold placed upon it and when I contacted them, I was told that a debt collection agency, called Cavalry Portfolio Services, had done so. I received some paperwork about the debt from the collection agency after I contacted them, and found that they delivered paperwork in 2015 to a XXXX  woman, and did not get her name. No one of that description lives at my residence and I have no knowledge of opening the credit card with the original credit, XXXX XXXX XXXX XXXX.. The bank deposited the amount that was originally in my account back in my account, which I used to pay bills, and afterwards another hold was placed. The bank does not who placed this hold, however, I am suspecting it is the same collection agency. They have also caused my balance to be negative because I used the previously released funds to pay my bills. This a case of identity theft as I did not open this credit card at all and was not notified of any balances I had due nor did I have any inkling of who opened the account or that it had been opened in the first place.
On Friday XXXX XXXX 2017 at XXXX XXXX, I received a phone call from my mother stating that someone named XXXX from a company named AP Services called her asking for me about a " business matter ''. I have not lived with my parents in many years for them to receive any phone calls at their home. She gave me their phone number XXXX. I called this number and received a prerecorded message stating that someone would be with me shortly. I was on the phone for 22 minutes and never  spoke to anyone.
Allied repeatedly called multiple times per day some times multiple times within minutes back to back in an attempt to harass.
This company is attempting to collect for an account I never had or opened. This is a fraudulent account that I did not open or affiliate with. I want this collection account removed from my credit report immediately.
I have had an account with Capital One since XXXX of XXXX. For years, I made on time payments, every month. I went through a financial hardship due to a job loss and was unable to make payments besides my rent, car payment, and car insurance. I could n't pay my credit card bills at that time. I got a job with a XXXX company last year, and was just promoted last week to an excellent position with a large pay increase. 

Capital One closed and charged off this account in XXXX after my job loss and my inability to make payments. Since then, they have reported that I have been 90 days late XXXX times on my XXXX report, and XXXX times on my XXXX report. This reporting is simply erroneous as there is no way that I am still late on payments every month after this account has been charged off and closed. 

I called to tell Capital One that I would pay off the remaining charged off balance yesterday, as long as they properly updated that the errors would be corrected. I talked to a few representatives and they told me that there was nothing they would do for me because the reporting was correct. I find it impossible to believe that a closed account can still have payments reporting as late. 

Please investigate this. I am willing to pay Capital One every penny I owe them, as long as they delete my errors from my credit report. There are so many errors, that the best resolution would be for them to accept my payment in full for the {$390.00} balance I owe them and they could just remove my trade line permanently. 

I will be attaching screenshots from my XXXX credit monitoring report so you can see the discrepancies. Please investigate this because there is no consistency to the reporting errors and Capital One is still hurting my credit to this day on an account that has been closed for years.
A company called XXXX called harassing a friend to get to me. On a payday loan that is 3yrs old. Said they were send it to the court to have me arrested. I tried contacting the collection agency that has it with no luck yet. I dont know who this XXXX is.
I recently checked my credit report and noticed i had a new debt from ERC. Immediately I sent checked it out and noticed it was for an account that is obviously not mine because it was opened in XXXX XXXX and I live in XXXX. I immediately sent a debt validation letter to ERC to dispute this debt. I got a response back from ERC with so called 'validation '' which happens to be 3 months of bill ledgers. Whoever opened this account had it open from XX/XX/XXXX- XX/XX/XXXX and ran up {$1200.00} in charges.ERC nor XXXX nor XXXX have any proof of my license or a signed contract proving to me that I indeed opened this fraudulent cable account. At the time this account was opened in XXXX, XXXX ( Which I never even heard of ), I lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At that time i also had cable services at my address with XXXXXXXX XXXX   who XXXX now owns. I am 100 % sure they can research that to verify that I cable in XXXX. But now when I asked them to pull up my account to prove I lived in XXXX   they mysteriously can not pull accounts from XXXX. So how do they want me to verify the address I lived at during the 3 months this cable services was so called in " my name ''. I also called the electric company who told me they can only pull accounts back to 2 years. So this alleged cable account need to be removed from my credit report IMMEDIATELY. I am wondering why all of a sudden it popped up on my reports and I have no debt. Why wasn't it reported in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ,XX/XX/XXXX or XX/XX/XXXX?? I could have maybe had a chance to prove it wasn't my debt. Now 7 years later i'm STILL in XXXX living my good life and they want to pop up now. They need to verify ID from people opening services so things like what I am going through can STOP happening..
Ocwen has misapplied some funds on my account and now they are returning all my payments that i try and send saying that im not paying enough to reinstate the loan I have provided proof of all payments and asked for a corrected reinstatment loan.
XXXX, Experian And XXXX are repeatedly violating the Fair Credit Reporting Act by not verifying information on my credit reports. I keep asking them for written, signed by whom verification for items that are on my credit report and they just keep sending letters back stating that it is verified, not sending me what I requested. Also they have been changing the report dates on items that are on the reports to prolong the reported item to stay on the credit report for a few more years. One account in particular is a bankruptcy that showed up on my credit reports that they refuse to verify, ca n't verify because I already called the U.S. Federal Bankruptcy Courts for this region and I was told by the court that they do not, will not and ever report information to the credit reporting agencies. what baffles me is that they are not sending me signed, written verification, who is verifying the information? According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Lew to verify, Through the physical verification or the original signed consumer contract, Any and all accounts that are posted on a credit report otherwise, Anyone paying for my credit reporting services could fax, mail or email in a fraudulent account. If the account can not be verified or validated, It must be removed immediately!! I will be seeking an attorney and filing a lawsuit on this matter as soon as possible!! XXXX has just settled a class action lawsuit for the exact same thing I am filing this complaint over, And I am part of the class.. XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Experian XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. If they can not send me signed, written verification or signed, written validation on these Bankrupcies listed on their reports, It must be removed immediately!!! Thank You for your time in this matter. If you need any more information, Feel free to call me at this number, ( XXXX ) XXXX. XXXX XXXX.
Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which experian and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.
Based on my discovery, XXXX XXXX, XXXX has accepted and executed an unlawful mortgage assignment from Rushmore Loan Management Services. These deceptive, fraudulent, unlawful assignments are without merit due to my understanding that XXXX XXXX XXXX XXXX ( being represented by XXXX XXXX XXXX, XXXX ) were the CURRENT unauthorized servicer 's for XXXX XXXX XXXX XXXX who in fact conducted an assignment using Rushmore without proper POA that went unrecorded and the notaries were executed fraudulently ( See Attachments ). Ref. Page1 : XXXX XXXX XXXX XXXX & Rushmore Loan Management Services, LLC conducted, organized, and transferred an unrecorded assignment with Rushmore not having POA to do so. Rushmore was not authorized to do so until XX/XX/XXXX. The original lender closed its doors XX/XX/XXXX and never authorized MERS, XXXX XXXX XXXX XXXX nor Rushmore to accept, hold nor transfer an assignment. In fact the assignment that was transferred is the first note and all of these assignments recorded and unrecorded are based off of the second note which is FRAUD. XXXX XXXX misrepresented both XXXX XXXX XXXX XXXX & Rushmore.  The original lender NEVER demanded payment for the second note. The second note never was assigned it was in fact the first note that was unlawfully transferred by ALL parties. Ref Page2 : The assignment transfers were unlawfully notarized and the loan number was used for Rushmore & XXXX XXXX XXXX XXXX. XXXX XXXX unlawfully notarized documents on the behalf of Rushmore Loan Services, LLC who is no were to be found. Page3 : Rushmore unlawfully transferred its servicing rights to SLS however, Rushmore without the proper authorization transferred ownership to XXXX. From my understanding XXXX XXXX XXXX XXXX was the current owner of the fraudulent note that was transferred from MERS as grantor on my deed. Page4 : XXXX XXXX XXXX XXXX confirms ownership that was fraudulently transferred by XXXX  and authorized XXXX to be its servicer. REF Page6 : XXXX XXXX XXXX XXXX and Rushmore confirms that the relationship of mortgage assignments were fraudulently conducted due to Rushmore was executing mortgage assignments BEFORE they had XXXX to do so ( See attachment Page # 1 ). I never surrendered my property. REF Page7 : Rushmore Loan Management Services, LLC unlawfully executed an unrecorded assignment informing me that XXXX   XXXX, XXXX is the current owner. Confusingly, from my discovery XXXX XXXX XXXX XXXX was the owner, XXXX was the servicer and XXXX and XXXX, XXXX represented XXXX. However, due to unfair, unlawful business practices by ALL parties I am left with a " clouded deed '' with no clear understanding of how to stop these unlawful unrecorded transactions that were never authorized by the original lender. Ref Page 8 : Rushmore Loan Services, LLC deliberately mailed this document to a residence where I do not live. Rushmore tried to forward this document so I could not follow the trail of unlawful assignments. Rushmore and all affiliates are well aware of my current address.