WillisBack/dataset-financial-user-claim huggingface dataset:
This home was refinance by Obama home modification several years ago. The home now has several problems due to poor workmanship of the remodeling that was finance by this loan. The builder and the original mortgage financier went out of business during the XXXX housing crash. 

The builder and the original mortgage financier took advantage for my elderly mother by stripping all the equity out of her home and putting her in a 30 year adjustable interest rate loan when my mother only income was Social Security. Only a predatory would that advantage of an elderly person trying to improve the condition of their home. 

My mother has died ( XX/XX/XXXX ). SPS -Select Portfolio Servicing has  been notified. I have requested a loan forgiveness. I have tried to make payment arrangements. I had power of attorney of my mother during the last three years of her life. I have spoken with SPS several times before my mother death and after my mother deaths. 

Now SPS is refusing to speak with me since I don't have court order executor of estate which I can not afford. 

On the XX/XX/XXXX a SPS representative left a door hanger on the front door for my mother whom SPS knows is dead ( decease ) requesting for her to call. I update all contact information two year ago and again last year when my mother died before I sent them a death certificate. When I call SPS, reps will not speak with me. Sometime they will most times they don't. 

I was making payment by the telephone last year and earlier this year until SPS started charging {$15.00} to process a payment by telephone. 

The staff at SPS can be very evil, vindictive, and unhelpful. I have a case worker by the name of XXXX XXXX whom I have only spoken to once last year. He never has returned my call or do any follow-up. 

Up until XX/XX/XXXX, I could call the automatic line to get account information with my mother 's account number, last four of SSI number, and zip code. Now SPS has added and telelphone number that is invalid so now I have no access to account infomation and SPS reps are now even more refusing to speak with me.

I sincerely believe SPS- Select Portfolio Servicing is intentionally trying to foreclose on this home. It is my understanding the Obama 's home modification protects SPS and SPS will get paid off regardless of foreclosing.
Experian is displaying i have a late on payment on my XXXX XXXX account when it was fixed by the credit about 5 months ago. Experian did their investigation and removed the late payment 4 months ago out of no where they reinserted the deleted information again on my credit report which dropped my credit score drastically. i was denied for credit because of their mistake to add this negative delinquency on my report.
I once again file a complaint of numerous complaints Last complaint you may reference it XXXX, XXXX you state you will remove the negative account from my credit report but it is currently still showing a negative trade line in my equifax file please receive it immediately as it does not belong on my credit file as we had resolved on my prior report. I have also gone ahead and filed a identity theft report with the FTC.
On XX/XX/2017 I sent a letter to Transunion requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, Transunion informed me that they would not remove these names and they still remain on my report to this date.
I received a letter from CCS ( Credit Collections Services ), stating that I owed money to XXXX XXXX XXXX and demanding payment of {$240.00}. 
I contacted CCS and asked the nature of the claim. They could not provide me with a date or reason for the debt. I disputed the debt with them. 
I then contacted XXXX XXXX Collections department and spoke with XXXX XXXX x XXXX. He checked all our information, telephone numbers, SS #, tax ID and could not find any debt of any type associated with my name. 
CCS indicated that they are unwilling to remove this debt from our record. I am requesting action be taken against CCS and our name cleared of all claims from CCS.
I specifically told Bank of America Representative XXXX XXXX on XXXX/XXXX/2016 at XXXX to stop calling our place of employment and I told him they would be turned into the FTC of they called again. Yesterday XXXX/XXXX/2016 another representative from Bank of America called our place of employment for my wife and today a representative named XXXX called for me at our place of employment. They were already warned they would be turned into the FTC if they contacted me at our place of employment. I have XXXX XXXX 's phone number at XXXX XXXX XXXX XXXX.
I have had an account with NetSpend Debit for three years. On XXXX XXXX, 2016 filed a dispute for an inaccurate purchase that took place on XXXX XXXX, 2016. Because I did not receive the product from the vendor. After 15 days plus, I was told that I was not going to receive credit for the amount disputed because the transaction was over 120 days. I requested to have a copy of the Statutes of dispute filing limitations of which I was refused. I received a call on XXXX XXXX 2016 from the NetSpend corporate office and was told that I was not going to receive credit or further investigation based on their policy of " Safe Harbor Law ''. My issue is that their is nothing in any of the marketing literature, documents that I signed in entering the agreement etc. I am demanding to have in document form the policy that states the statutes of filing disputes over 120 days based or due to the " safe harbor rule ''.
These people call, text, and e-mail me constantly. I 'm positive that they call from different numbers as no other places call me. The only time that I 've actually talked to them the guy demanded that I make a payment now.
I opened a {$6000.00} line of credit with XXXX flooring on XX/XX/2018. I was told I would not have any payments due until the next month. Initially, my account was supposed to be with XXXX XXXX, but it was changed to XXXX   without my permission. I was against this from the beginning because of the negative consumer reviews on XXXX, but could not afford to pay off the entirety of the loan at that time. I received a bill the next week from XXXX. When I called questioning the month grace period, they said I had opened the account just before the start of their billing month so I would be responsible for the immediate payment. On this call XXXX, I confirmed the last day I could pay the balance on full to avoid the 29.9 % APR. I was told I needed to pay the full balance by XX/XX/2018. I made regular payments greater than the minimum amount due. When I called on XX/XX/2018 to pay off the {$1500.00} balance in full, I was told I had accrued an extra {$490.00} in interest. At no point was I verbally made aware of the interest charges, the date I would start receiving interest, the fact that residual interest would be charged, nor did I ever sign any documents from XXXX acknowledging these agreements. XXXX has not worked with me one bit on any of these charges. The fact that they tout themselves to individuals with less than stellar credit as a way of getting out of debt is shocking.
I believe that Citibank has violated us our rights and protections under the Servicemembers Civil Relief Act ( SCRA ) by charging exorbitant fees and interest for a disputed charge on his government-backed Citibank credit card while my husband is XXXX overseas. 

In late XX/XX/XXXX ( around XX/XX/XXXX ), my husband was XXXX to XXXX. This XXXX happened very quickly and unexpectedly, and it occurred while my husband was in the middle of a permanent change of station ( PCS ) move. My husband used his government issued Citibank credit card to cover the costs of his PCS move. 

In late XX/XX/XXXX, after I reviewed my husbands statements, I discovered that he was double charged for a move-related expense. A merchant charged us twice for the same bill : first on our debit card and the second charge was to his government-issued Citibank card. I was not sure how to respond since the card was under my husbands name and was the responsibility of/tied to my husbands unit in the XXXX ( his unit is based out of XXXX XXXX XXXX ). At the time, and even as of this writing, my husband and his unit were inaccessible because they were deployed and in special training.

In late XX/XX/XXXX, I made a payment in the amount of {$140.00}, which was the true balance that was outstanding ( i.e. the payment did not include fees ). I thought it would be best to pay the principal amount even though it was in dispute and file a dispute when my husband returns from his XXXX. 

On XX/XX/XXXX, I sent a certified letter to Citibank indicating to them that : 1 ) my husband was XXXX and that under the SCRA they shouldnt be charging fees or interest while hes XXXX ; 2 ) the amount citibank used as a basis for exorbitant fees was being disputed. Unfortunately, Citibank proceeded to garnish my husbands wages. 

My husband has spent hours trying to resolve this matter, however, because he is XXXX, he has limited access to resources who can help. Additionally, this has added unnecessary stress on my husband. We believe that Citibank should not charge any fees or interest while my husband is XXXX, and we believe that Citibank should return all the money theyve garnished from his wages ( about {$700.00} ). Finally, we believe we are entitled to punitive damages.
I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however XXXX and Equifax will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.
I closed on my mortgage on XX/XX/XXXX with the first payment due XX/XX/2018. I received a call on the XXXX about the payment not having been received. I then proceeded to schedule the payment soon thereafter. I used my XXXX XXXX account to make payment on the mortgage. 

Once XX/XX/XXXX payment became due, I proceeded to log into their payment portal. At that time I noticed that my required payment amount was for two payments. This immediately raised a red flag about the payment made in XX/XX/XXXX. My first thought was that the payment was not accepted by the mortgage company or that for whatever reason it was returned by my bank. Maybe an error in the processing or a transposed account number resulted in a rejected payment. That was not the case. 
At that point, I proceeded to pay the ~ {$4200.00} payment covering both months. Having not received any indication from the mortgage company that anything was wrong, I thought nothing of the matter and took solace in the fact that the payment debited my account properly the following day. 

On XX/XX/XXXX, I received a credit alert notification. XXXX XXXX   reported my mortgage as being 30 days past due. Apparently, XXXX   refused to properly apply the first payment due in XX/XX/XXXX and this had an adverse affect on my credit score. 

I called XXXX and spoke to a polite gentleman that refused to help address the matter. He mentioned that the reporting needed to be effectuated as other creditors needed to have a comprehensive understanding of my ability or inability to pay my obligations. 

I have attached a copy of my most recent bank statement that demonstrates my ability to meet my financial obligations.
Tax lien did not meet the standards implemented on XXXX/XXXX/XXXX but Equifax refused to delete the lien.
MY NAME IS XXXX XXXX AND I AM FILING MY SECOND COMPLAINT AGAINST DISCOVER CARD. AFTER NUMEROUS GOOD FAITH LETTERS AND FIRST COMPLAINT, I RECEIVED A FORMAL RESPONSE AND A PHONE CONVERSATION WITH XXXX XXXX IN THE CUSTOMER ADVOCACY DEPARTMENT. DISCOVER HAS FILED A LAWSUIT AGAINST ME THROUGH XXXX LAW FIRM. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies AND FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. MY FIRST LETTER OF FORMAL DISPUTE WAS MAILED OUT XX/XX/2016 AND WAS FORMALLY DELIVERED THROUGH CERTIFIED MAIL XX/XX/2016. XXXX XXXX CLAIMED THE FIRST LETTER WAS RECEIVED XX/XX/2016 WHICH IS NOT CORRECT AND I HAVE PROOF. SECOND THE DISPUTE LANGUAGE WAS NOT ADDED TO MY CREDIT REPORT UNTIL AFTER I FILED MY COMPLAINT WITH CFPB. ACCORDING TO XXXX XX/XX/2016 IS WHEN THE DISPUTE LANGUAGE WAS ADDED TO MY CREDIT REPORT AND ACCORDING TO XXXX XX/XX/2016 IS WHEN DISCOVER REPORTED THEM OF A DISPUTE LANGUAGE ON MY CREDIT REPORT. LAW SAYS IT HAS TO BE 30 DAYS FROM THE TIME THE DISUTE LETTER WAS RECEIVED. DISCOVER CARD IS IN VIOLATION OF FCRA AND FDCPA.
On XX/XX/2017, I had a theft from my bank account of {$720.00} due to someone fraudulently using my debit card to make a purchase online at XXXX XXXX. I immediately reported it to my bank which is XXXX XXXX located in XXXX Oregon. Their parent bank is Compass. I also, immediately, filed a case with XXXX XXXX and filed a report with my local law enforcement. This happened a week ago and not one person from Simple 's disputes team has reached out to me to discuss what happened despite my desperate efforts through emails and phone calls. I have done everything I can possibly do to get my money back, and the fact they will not even acknowledge me is unacceptable. I have rent I need to pay, medication I need to buy. This is a whole paycheck that was stolen from me. I am the victim of a crime, and the bank is victimizing me all over again. The bank 's dispute email is XXXX and their number is XXXX.
This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding XXXX billing dispute and false statements report to credit bureaus and to CFPB. XXXX stated to CFPB THAT my XXXX account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to Experian stating that the XXXX account could not have been sold to XXXX in XX/XX/XXXX cause on my Experian report XXXX XX/XX/XXXX the XXXX account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent XXXX XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to Experian that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's XXXX XXXX XXXX but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX  XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to XXXX where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with XXXX XXXX also. They have sent different letters with different facts that are completely false and they know it
On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.
I am unable to remove a stored XXXX credit card that I had on file with Google Payments Corp. for 2 cancelled subscriptions. Additionally, I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX 2017. I have tried for 3 days to call and email Google Payments with no results. Google Payments Corp. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX XXXX XXXX, XXXX XXXX and Google Payments told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX  until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion.This is unacceptable. Thank you.
On XX/XX/XXXX, I sent a deposit of {$200.00} to Discover to open a new secured credit account. The information on the Discover website stated that as long as I made on time payments I would receive my deposit back, and graduate to a regular Discover card. On XX/XX/XXXX, I received my Discover card, and activated it. I have continued to bay off the balance, and currently carry a {$0.00} balance. In XX/XX/XXXX, I contacted customer service to ask about when I can expect to receive my deposit. I was told that Discover reviews accounts after 7 months. No further help was given.
This company Transunion has fail to remove inquiries from my credit report after recent deletion occurred. I have submitted documents sent to Transunion via certified mail return receipt over 30 days ago. I have call this company in reference to this matter several times. The FCRA permissible purpose section, states that creditors must report the reason for file review of consumer credit report such as ; auto loan, credit card, line of credit, charge card, mortgage and etc. Aside from the following inquiries being re-inserted back on my credit report after deletion. The inquiries does not state the reason for file review. Therefore they have no just cause for remaining on my credit file.
I received a phone call last week on XX/XX/XXXX and was told the company was Global Client Solutions. When I called the number back ( XXXX ), I got a recording that sounded as if they were saying " XXXX '' or something of that nature. I left my name and number, but never got a call back. Today, XXXX XXXX, I received a call from XXXX and XXXX. I called XXXX and was told the company they were representing was Global Solutions. They said I had borrowed money from XXXX XXXX, which I have never heard of and when I asked for more information they said I made a loan XX/XX/2011 and that they would settle it for {$430.00}. I told them I had never heard of XXXX XXXX and unless they could send me written confirmation that I had borrowed money and never paid it back, then I was not paying anybody anything. At this point, they hung up and would n't give me any more information. If I owe somebody some money they should be willing to give me documentation of the debt and prove I have never repaid it. The number that called me today ( XXXX ) called my home and also left a message with a friend of mine and I have no idea how they got that number. The number XXXX also left a message with my sister and I have no idea how they got her number. How can I make these people stop calling me if they wo n't give me any information to prove I owe money?
Calling inlaw 's relatives says I need to contact to avoid legal actions when I have not been contacted and do n't know what in reference to.
This company called Resident collect or resident check, says that I owe them money for an apartmetn I never lived in. They are still on my credit report and this is a four year old debt!! The statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ). I have never paid them, and when I dispute on my credit report, they have never reportieda change as far ast speaking with themthis from XX/XX/XXXXRESIDENT COLLECT INC # XXXX XXXX FWYSUITE XXXX, TX XXXX XXXX XXXX ) XXXX for Collection : XXXX : Individual AccountAccount Type : Open AccountLoan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated : XXXX Payment Made : XXXX Amount : $ XXXX Creditor : APARTMENT XXXX XXXX XXXX ( Rental/Leasing ) Past Due : & gt ; {$1900.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX of XX/XX/XXXXRESIDENTCOLLECT INC XXXX {$1900.00} as XXXX Collection account. {$1900.00} pastdue as of XX/XX/XXXX. 
In XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX identification XXXX creditorAPARTMENT-XXXX XXXX MonthsOn record untilMay XXXX limit ororiginal amount $ XXXX balance $ XXXX payment $ XXXX payment $ XXXX of XXXX reportedXXXX/XXXXResponsibilityIndividualCommentAccount information disputed by consumer ( Meetsrequirement of the Fair Credit Reporting Act ). 
Your StatementI HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of yourdispute in XX/XX/XXXX.
I advised Transunion that I was a victim of the inquiry issue and I want to dispute a inquiry in question ; Account Name : Certified Mortgage P via Certified Credit Reporting Address:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Phone number : XXXX Requested on XX/XX/2017 The agent advised that she could not help me. 

I would like the inquiry in question verified and deleted promptly.
I called + sent Equifax a copy of my account paid in full for the dispute. The company I owed ( XXXX ) has set the info to Equifax that my account is paid in full. XXXX reported the wrong amount due and we agreed on a new lower amount which I paid in full. Equifax is still showing the account as a charge off. That 's incorrect. I 've called them 2 times with no help.
I had leased a vehicle from Honda Finance and my lease ended in XX/XX/XXXX. In XX/XX/XXXX, Honda Finance charged me for property tax for the vehicle, despite me no longer owning the vehicle and the property tax being billed after my lease ending in XX/XX/XXXX. I asked for clarification as to why I owed this amount, and they placed a derogatory notice on my credit stating that I was 30 days late, despite me disputing the charge because it was not owed under the terms of the lease.
I signed up for a Citibank Gold account with a promotion code for XXXX AAdvantage miles upon meeting certain criteria. I met the criteria and was denied my miles because I was not targeted. I should have been told the promotion code was not valid for me, instead of being lead on for months.