WillisBack/dataset-financial-user-claim huggingface dataset:
Specialized Loan Servicing XXXX company owes me {$3000.00} money they held in a suspense account and never payed me back after close of escrow per XXXX XXXX at XXXX XXXX.
XXXX XXXX- ACCOUNT SHOW LATE IN XX/XX/2018, XX/XX/2018. IT SHOWS A BALENCE OF {$48000.00}. MY TOTAL LEASE AMOUT IS {$18000.00} AND {$14000.00} REMANING ON 28 PAYMENTS. I PROVIDED THEM WITH BANK STATEMENT TO SHOW AUTOMATIC WITHDRAWL AS WELL AS LETTER FROM XXXX XXXX, AND THEY KEEP PUTTING BACK IN DISPUTE INSTEAD OF UPDATING. I AM TRYING TO GET MORTGAGE
In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and may affect my employment. Based on the result they received on    XXXX    I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  XXXX   XXXX   XXXX  bank who notified me that my debt was sold to  midland funding . When I contacted  Midland Funding  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less t han 1  week to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 recur ring payments of {$250.00} beginning  XX/XX/XXXX ,  15 month ly payments of {$150.00} beginning  XX/XX/XXXX  and a final payment of {$87.00} on   XXXX  . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital  XXXX  stated to look into the judgement against me. I contacted the court on    XXXX   XXXX   XXXX    and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at   XXXX   XXXX   and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, th e 3rd  party, and the civil judgment reporting on my credit reports and the amounts are different.
I financed XXXX XXXX XXXX XXXX with XXXX XXXX XXXX spa on XXXX. They closed their company permanently without notifying me. I am still having to pay the finance company and have not received the services.
I 'm tired of the bureaus ignoring me and not assisting me. I have inquiries on my file that I did not authorize and they are in charge of making sure that my file is correct and accurate. I reached out to them as well as the companies that put the inquiries on my file to no avail. I do n't understand why no one will assist me and the reply from the bureaus I receive is that inquiries are made when companies pull my file and are a matter of record. I do n't need an explanation, I need for them to be removed! I did n't make these inquiries, I didnt authorize them and they need to remove these immediately! 
Equifax unauthorized inquiries : XXXX on XX/XX/XXXX
On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account.
They call with automated message that says : " if you are ____ please stay on the line and we will discuss a debt, if you are not ____, please hang up now and we will know that you are not ____. '' I called them and told them we are not the person they are looking for. I asked them how could I respond to an automated message when it was left on my message machine. XXXX said he was not aware the his company did that. The issue : if a live person was on the line, it would have taken 60 seconds to verify that _____ was not the person they were attempting to contact. But because I HAD TO CALL THEM TO STOP THE MESSAGES, that took my time to resolve their issue. I brought this up with XXXX and he hung up on me. I consider this business tactic harassment. They are " fishing '' without having to pay someone to call. Using an automated system that requires the contact to call them back is harassment. These calls continue until I call them.
I paid my account in full, no warning showed up that there were any interest charges pending. {$2.00} and some change in interest charges kicked in after I Paid the balance in full. No email or other warnings were sent until I logged in to my account and found out that the {$2.00} was built up to {$26.00} and have been reported on my credit report as late payment. I have two cards with this bank and both of my cards should have been on auto pay but this particular card for some reason was n't on auto-pay but should have been on auto-pay.
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 
Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 172 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.
I disputed this account with the credit bureau and it was not verified, and therefore, deleted. This account was recently added back onto my credit report without prior notification. This account does not belong to me. I have no contract with this company.
XXXX XXXXXXXX obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.
I have an erroneous collection account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2017, by telephone at XXXX and spoke with a senior representative named XXXX. She advised me that she didn't have any information on this account and if I wanted to dispute it I would need to send a letter to their corporate office at XXXX XXXX XXXX XXXX XXXX ; XXXX, Texas XXXX. I sent several letters via certified mail return receipts ( XXXX and XXXX ) to both Exeter Finance as well as the credit bureau reporting the information asking for documentation and method of verification. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I have never received any responses back from Exeter Finance nor the credit reporting agency.
I have disputed an inaccurate public record Equifax has been reporting. They report that I have a NJ state tax lein of {$11000.00}. I have never had such lein. In fact I received a state refund this year. I have been disputing this since XXXX XXXX. I sent several more disputes throughout the years with no results. I called, disputed online, sent letters. With no response. I called today and they advised that in XXXX XXXX they verified this information. When I asked how this information was verified she could not answer that question. She told me to send supporting documentation. I asked how I would get documentation if I never had a lein against me in the first place. If they verified this inaccurate information as they are required to, then this would not be on my Equifax report. I have asked for a reinvestigation since XXXX XXXX. No response from Equifax and this time still remains and preventing me from getting a mortgage and a new home for my family. This item does n't show on XXXX or XXXX. There is no state or federal lein against me. I am demanding they remove this false and in accurate item from my credit report immediately. Or I will exercise my rights. In addition to the false reporting of the state tax lein, Equifax reinserted a collection account from XXXX XXXX and XXXX for the amount of {$120.00}.
My name and the name of my deceased spouse initially appeared on our mortgage and when he died he did not leave a will and I discovered shortly after his death that my name was not stated on the mortgage with OCWEN. They refuse to give me any information connected to the mortgage and they keep sending me statements stating that I am in arrears of my mortgage and they have stated in writing that my monthly payments are no longer being applied to the mortgage, they are " putting them aside ''. I AM XXXX YEARS OF AGE AND XXXX BEYOND BELIEF!
To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.
I opened the citibank account package for {$400.00} bonus offer with the following terms, Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days I have opened the account on XX/XX/18 and made the required deposit of XXXX on XX/XX/18 into my checking account and linked my saving and checking account. 

Now it's been more than 5 months since I opened the account and I already fulfilled the requirement and keep the XXXX in my account more than 60 days. But still no bonus. I have contacted Citis customer service more than three times over the last three months to make sure the promotion is on my account and I have completely the requirement to receive the bonus. All three times they said yes.

The details say that the Bonus will post within 90 days from the date you complete all of the requirements. It's more than 150 days since opened the account and more than 90 days since I fulfilled all the requirements but still no bonus so far. 

I will attach here my chat history from Citibank here as evidence. The first agent told me to wait and call Citibank if I don't receive the bonus by first week of XX/XX/XXXX. The second agent told me they will give me a response after two days but I didn't receive any response. The third agent told me they didn't find any record about response and have to submit a new investigation. I believe this is just keep delaying me further from receiving the bonus and I never receive a proper response. Citibank should credit customers the bonus they deserve after they complete the requirements.
Medical debt from XXXX XXXX PA, {$25.00}. Was paid by customer in XXXX receipt # XXXX. Then in XX/XX/XXXX debt was sold to collections and placed on credit report as collections showing past due amount of {$25.00}. Debt was disputed through XXXX and was not deleted as requested. But was marked as account information disputed by consumer. Debt was paid in XXXX, and was brought to the attention of original creditor again on XX/XX/XXXX and was informed that they were working on the issue and that it would be corrected. Credit report was viewed again on XX/XX/XXXX and is still showing past due {$25.00} in collections not being updated since XX/XX/XXXX. This collection should have never been placed on credit report.
The name of the original creditor : XXXX at XXXX and he told me that the XXXX had the collections and that if I did n't begin to pay on it I would have all bank accounts cleaned instead my wage was being garnishI the original creditor was XXXX its been since 2003 when I was served at my place of employment until now. I was not aware of a cell phone that is XXXX for a month or so service. XXXX served me with a wage garnishment and still too today my check is being garnished for something I believe in my heart is not accurate. I was young at the time and pay no attention of not showing up in court to have a Judge listen to the case. I am older I want to fight what is right and I need to hear it from someone who has the knowledge.
- In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. 

- On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. 

- Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted.

- Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing.

- Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. 

- In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. 

- At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. 

- Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. 

- XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. 

- XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.
On XXXX XXXX, 2016, I opened a PNC Virtual Wallet account pursuant to PNC 's promotion of a {$300.00} bonus for meeting these requirements within 60 days : 1 ) establish a direct deposit totaling {$5000.00} per month ; and 2 ) make an online bill payment. I satisfied these requirements by establishing a $ XXXX monthly direct deposit on XXXX XXXX, and making a bill payment on XXXX XXXX. After 90 days, the bonus had still not posted to my account. After considerable run-around by PNC via its " Secure Message Center, '' with no explanation as to why the bonus still had not posted, escalation representative XXXX XXXX informed me that her escalation manager had concluded ( without informing me ) that the bonus had not posted because I had not made debit card transactions. She admitted that was NOT part of the promotion applicable to my account. She said she would look into this further, and communicate with me by telephone. I reiterated, as I had emphasized to her escalation manager, that I prefer communication by email or PNC 's Secure Message Center. She said those options are not possible, despite the fact that communication to date about my dispute had in fact been via email and the PNC 's Secure Message Center. She said electronic communication is not " secure '' enough. Surprised, I asked, " so PNC 's Secure Message Center is not actually secure? '' All she could say was escalation reps are not allowed to communicate in writing. PNC clearly does not want any written record of the errors it is making on my account and false promises it makes to consumers, and it continues to drag its feet on posting the promotional bonus that indisputably applies. This appears to be PNC 's pattern and practice, and PNC appears to be waiting for me to submit a complaint to the CFPB before correcting my account. Thank goodness for CFPB and its Complaint Portal, but PNC should not get to evade scrutiny by simply correcting their errors once individual consumers complain. This foot-dragging practice allows the bank to hold consumers ' money and profit from the interest " float, '' when the funds should already be in consumer 's accounts, earning interest for the consumer, not PNC. Please help.
XXXXXXXX XXXX began contacting me in XXXX. Sending me dozens of statements and collections. I was unable to make payments due to decreased earning. Once I became stable I was notified that they tacked on a 16 % increase in the debt that was not reflected on the statement. And when I asked they stated that it was just the way it was and that I had agreed to it in my contract and there was nothing I could do. When I requested to begin making payments I was made aware that the interest was greater than what I could pay. When I asked settle or arrange a payment plan that I could handle I was told that they would not work with me. And that my credit would continue to be affected for at least 27 months before they would consider settling.
I filled a inquiry with Experian in reference to an unauthorized credit inquiry that i did not do on XXXX/XXXX/17 with XXXX XXXX/XXXX XXXX. Experian sent out the investigation request and answer was to be given back in 30 days showing that i authorized XXXX XXXX/XXXX XXXX to pull a credit iinquiry, they did nit respond, Experian gave them another 30 days and yet again XXXX XXXX/XXXX XXXX did not respond, so the inquiry was removed off my credit report. I received a copy of my credit report showing that XXXX XXXX/XXXX XXXX is back on my credit report for the same inquiry date. I did not authorize that inquiry, i do not have an account with XXXX XXXX and i was not notified that it was going back on my credit report.
on XX/XX/2018 Discover Bank checked into my credit report and they did no help but just hurt my credit and i have dont recognize them. thanks!
On XX/XX/2018 I made an electric payment of XXXX in error and can not retrieve my money. I have gone back and forth with both banks with no resolution. The payment was made electronically to XXXX XXXX by Santander and both report they dont have it.
I received a notice to collect debt from procollection from a leasing apartment XX/XX/XXXX I didnt not lease from. They did not mail anything in mail previously before and account was filed in XX/XX/XXXX. Now they reporting my name to collection XX/XX/XXXX and I never signed document for XXXX XXXX XXXX, I have a family member who did however my name is not on the lease. I called XX/XX/XXXX they demanded a payment even after I sent in the move in statement from family member name on it and I explained to them to email the with proper documentation. The manager sent my sister and I an question mark.
My salary got reduced and payments were high. XXXX XXXX XXXX my mortgage company filed foreclosure. Unable to come up to the huge amount they demanded I filed for chapter XXXX motion to stay since I only had 21 days to respond or lose my home. Later XXXX XXXX XXXX transferred my home to Rushmore. I found Rushmore inflated the amounts i owe and made it impossible for me to maintain the payments and increase the interest higher. I absolutely disagree on the amount they came up with. After making a steady payments and staying current they sent a letter calming I missed payments for 9 months and filed a foreclosure for a short sale. In between I received a letter from the government stating I qualified for a new program called Harp for a fixed rate. I was filled with hope and agreed and singed on. Front cover looked like a government offer for home owners to keep their home from Obama. HOPE and Hud were on every page approving this modification. Later XXXX which was working on behalf of XXXX XXXX XXXX asked a retaining fee and lawyers fee which I paid informing me the money would be added or count as a payment for my mortgage. I paid {$1600.00} each month to them for a period of 3 months. I do n't remember the application fee amount. The process took more than 5 months and i was warned not to speak to the mortgage company since they were the lawyers they must speak to them. One of the documents I signed stated I was not allowed to contact the Rushmore. Later on I received a letter and a auction sale on my property with an eviction notice from Rushmore. Heartbroken I contacted my chapter XXXX lawyer and asked how this can happen. I found out the XXXX part was fraud and I was a victim of scam. I did not question it because the flyer looked like it came from the government. I need help. I want to keep my house. I 've worked to hard and believe in the American dream.
My nightmare began XXXX XXXX when Ditech sent me a letter indicating that my property taxes were no longer going to be escrowed and I was going to be responsible for paying my own taxes. Along with the letter was a refund check for {$1900.00} for escrow overages. I called Ditech to inquire about it and they stated yes they removed my taxes from my escrow account and the check that was sent is to cover my XXXX taxes. I cashed the checked and the following month I paid my property taxes. I was excited of the new changes because it meant my mortgage payments were going to be lowered. Little did I know, I was being set up for failure. I find out later that Ditech made an attempt to still pay for my XXXX property taxes which my county did not accept their funds and sent Ditech a refund check XXXX XXXX. Ditech received the refund check cashed it from my county however they never applied the funds to my account. I have been fighting with them to apply the funds to my escrow account and provided numerous proof that I paid my own taxes but Ditech is firm and saying that I still owe them. 

Everything seemed fine and I was preparing to pay for my XXXX taxes this year when Ditech sends me another letter XXXX XXXX indicating that my escrows were short and my property taxes were not paid and they 've paid my taxes for me and I owed Ditech {$2800.00}. I called to inquire again about this matter and they stated to me that it was an error last year that my property taxes were removed from escrow and that it should n't of happened and to send it proof that I myself paid my own taxes and they would resolve the issue. It has been months and nothing has happened with Ditech and now my mortgage payments will drastically increase XXXX XXXX which will put me in a hardship and they claim that I owe them which I do not. Please help, I do not want want to lose my help as I have made my payments every month on time and paid both XXXX & XXXX property taxes out of my own pocket.
Trans Union continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.