WillisBack/dataset-financial-user-claim huggingface dataset:
I have pulled my credit reports on XX/XX/XXXX and to my findings there was this collection agency name Real Time Resolutions reporting negatively to credit bureaus XXXX  and XXXX in the amount of {$2200.00} claiming that I took out an installment loan fro a company called XXXX XXXX XXXX in the amount of {$1700.00}. Ive sent request to Real Time Resolutions for VALIDATION of the information they are submitted to the credit reporting agencies. In return they sent me a verification of bills they supposedly sent me in XXXX to an address that I have never lived at which is on XXXX XXXX XXXX XXXX XXXX SC XXXX but they never VERIFY the debt. I never receive a notice nor do I know about this debt. The VALIDATION I expected was proof of an agreement, my signature and any other LEGAL proof that I took out the alleged installment loan with XXXX XXXX XXXX and they fail to do that. I ask that this company cease reporting to my credit report and have it remove 100 % ASAP. I do know my rights and they are in violation of Section 609 of the Fair Credit Reporting Act. They failed to provide a copy of the original creditor 's documentation. The documents attach is what they sent to me after requesting validation of this debt.
XXXX XXXX fraudulently charge me erroneous amount of {$XXXX} for baggage without evidence of weight of luggage & receipt & without my consent & authorization. & Chase bank failed to protect me as their customer. 

XXXX XXXX personnel were completely dishonest.
To whom it may concern : The broker XXXX XXXX, president of Olympia Title & Escrow Corporation, handled the closing for my house ( I was the seller ). XXXX XXXX scheduled the closing for XX/XX/2017. Since I was not going to be able to attend, XXXX XXXX asked me to go to his office to have the documents notarized by XXXX XXXX, the day before the closing. His office is located on the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone number XXXX, e-mail : XXXX. Enclosed you will find the Closing Disclosure, on line 12 for Due from Seller at Closing, theres a utility escrow for {$300.00}. XXXX XXXX explained that once they verified that the accounts for the utilities in my house were not deliquent, they would send me a check for {$300.00}. 

Two months have passed since the closing. I sent several e-mails to XXXX XXXX trying to find out the status of the refund of that Utility Escrow, yet I haven't received an answer. 
I would really appreciate your help on the resolution of this issue.
XXXX XXXX XXXX XXXX breach have ruined me please have them remove the inaccurate accounts
Navient has been allocating my auto-payment incorrectly- skipping payments on the Principal for XXXX loan with the highest interest rate every month. Also in payments made by mail with specific instructions on a separate letter in the same envelope, they have failed to allocate the payment according to the instructions, which were to apply the full amount of the loan to the Principal only of a certain loan. They took part of the payment toward the interest. Navient also makes it exceedingly difficult to gain information or support for paying the loans in the fastest and most efficient way possible. There is no way to allocate extra payments online to only the Principal, no way to increase the amount of auto-payment, etc. I am highly dissatisfied at the service for taking advantage of me as a student who needed to take out loans in order to pay for education- they are irresponsibly handling payments and making people suffer / pay more than is necessary, and hold people in debt for longer than is necessary.
Dear CFPB : this matter is in regards of a debt of : {$640.00}. This bill from one of the hospitals i was there around XX/XX/2018, and I aplied for charity care. The collection agency wrote me a letter dated : XX/XX/2018 and I answer them before the 30 days. I explain to them DO NOT CALL ME, DO NOT HARRAS ME, to please to get in touch with the hospital financial/charity care office. I also ask them to mail me within 30 days bye State and Federal Laws. Copies of my bills, receives, copies of my policy number and also i told them do not call me any more and to contact my attorney if need it. Thank you Very truly yours.
couple months ago i reported Chase for improperly using my credit. I called and transfered credit line from one credit card to another. while i was doing that i asked if it would hurt my credit. i WAS told no it would no effect my credit. i called on XX/XX/18 and talked to XXXX. later in the month i saw that there was an impact on my credit after this. yes i did apply for a different XXXX  card and also a chase card. the XXXX  card did not report on my credit yet because i have been watching and waiting for it to. i saw a change in my credit report from chase and this must have been from the credit line transfer after i was told it would not effect it. that is when i filed my last complaint and was told that that inquiry was from applying to my new chase card. they then closed the complaint. i am now receiving today another report of a change from chase that is impacting my score. this means i must have been hit 2 times for applying for one card. and if my score was impacted for transferring credit, i was told the wrong information and this should be removed from my credit report. it has cost me time and my credit score
I spoke to Malen & Associates for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at Malen received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.
I have a few inquiry 's on my credit score that does n't belong to me and I did not receive trade lines of credit from. I asked them to remove them, and they declined to do so.
I had a XXXX credit line and have not been able to pay full amount due each month. I have been paying {$25.00} a month when I can. I looks as if the credit line was sold to Atlantic Credit & Finance , Inc . They are calling my home and cell phone hourly. They call my personal work phone and now they are calling the general number of where I work and harassing other employees after I have left work and insisting that they put me on the phone and they know that I am there, when I am not. This is causing me a lot of trouble at work and risking my job, which if I lose it and will not be able to pay anyone. They are not very nice over the phone and I need this harassment to stop.
In XX/XX/XXXX this year I made payment arrangements with CMRE Financial Services to pay off medical debt. They told me as long as I made payments they would not report the collection to the credit bureaus. The payment amount we agreed on was {$150.00}. In XX/XX/XXXX I made a payment of {$500.00} to payoff the debt faster. CMRE still reported the debt to the credit bureaus at the end of XX/XX/2018. 

This is a breach of agreement.
I wish to file a complaint against Portfolio Recovery XXXXociates, LLC for reporting a fraudulent account on my credit reports. I noticed a fraudulent XXXX XXXX XXXX credit card account on my credit reports. I have never had an account with XXXX XXXX XXXX. XXXX XXXX XXXX did an investigation and ruled in my favor, that this account was fraudulently open. XXXX XXXX XXXX removed this fraudulent account from my credit reports. The letter I received from XXXX XXXX XXXX, is enclosed as an attachment. But Portfolio Recovery Associates, LLC the collection agency that purchased this account and listed it as a collection account will not remove this fraudulent account from my credit reports. 
The original creditor XXXX XXXX XXXX, determined I did n't open this account and that it was open thru fraudulently means and I am not liable for any charges related to this account. So Portfolio Recovery Associates, LLC is violating the FCRA by listing an account on my credit reports that does n't exist. Please make Portfolio Recovery Associates remove this fraudulent account from my credit reports. They are knowingly and willfully violating my consumer rights and the FCRA. The letter from XXXX XXXX XXXX is enclosed as an attachment.
I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation
This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions.

One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).
XXXX XXXX : Back in XXXX+XXXX of XXXX, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a XXXX  CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from XXXX XXXX until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with XXXX XXXX? 

CHASE MORTGAGE : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with Chase. We offered to refinance and carry the debt and continue to pay it when we move to XXXX but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with Chase today, never
I had the lowes credit card from XXXX XXXX. Somehow I lost it. I was always on time to pay for this. I asked them to send me another one ... .more than a month back ... nothing came from their side.
The XXXX  XXXX servicing was where all my loans went thru. The first part was while i was attending the XXXX XXXX college, XXXX XXXX College, then I transfer to a 4 yr school to complete my degree programs. 
Even though the next set of loans at the 2nd school, XXXX XXXX University, involved new loan paperwork, which included a new home address, email, etc. This info for whatever reason did not update across all the acounts. And since they like to make each term, 3 per year, be its own account, they are saying it was my problem for not updating all the contact information for each and every account. 
Yet, they had the new information to send me info, and even worse, the address they did have was my grandmothers address, and nothing ever got sent their either. 
It reached the point of being 6 months past due, by the time i just happened to be looking into getting a home loan, and when i went to look at my credit report, it had been tanked by 13 accounts thru XXXX XXXX XXXX, each stating 6 months late. 
For an account that's supposed to have payments due, and reach 6 months past due, they never looked at the account closer for contact info, and when we called them directly, they even said that both sets of addresses were in the system, and the different email addresses, phone numbers, etc. So why couldn't they send anything.. and like i said again, the old address in their system, never received anything at that residence either, and my grandmother has been living there since 1996. 
I sent multiple letters attempting to explain everything to the creditor, XXXX XXXX, as well as all the credit bureaus. Response has been that nothing gets fixed. And the best the school did to fix the immediate problem of an account showing past due, was to make a retro active forbearance, and back date, or whatever they call it to fix the problem.. 
But, that doesn't help my credit report where the only bad thing on my report is this set of 13 accounts, all showing several months past due, and now, best they show is current because of the retroactive forbearance. This has prevented me from obtaining financing the purchase a home, as well as prevented me from being able to even rent an apartment for myself, my XXXX husband, and XXXX kids. You would think this would be an easy fix, but apparently not, and they wont budge. 
I have been told i have grounds for legal action against them for this matter, and the financial/mental hardship it has caused us. Not to mention, a potential lawsuit against the fact that they get to report so many different accounts, but yet i only signed 1 loan agreement per year, so how its allowed to turn into 3 seperate loans is sketchy..
I was XXXX for Military purposes and used the CITI card that was issued to me. I stayed at the assigned hotel for the period of time that we reserved the room for. We departed as planned. The hotel charged us for an extra day 's stay, claiming that " someone was occupying the room ''. We first tried to consult with the hotel manager, but could not make progress. We filed a dispute with the credit card company a month after the dispute ( XX/XX/XXXX ) and waited for resolution. I continually checked their Online account they have set up for me, and the status of the dispute never changed from a pending-status. I tracked this status for the next month and it never changed status. I called their toll-free number in early XX/XX/XXXX and they stated they do not handle disputes and that I would have to receive a call-back from a claims examiner. Several days passed with no call. I called back and they repeated that they can not provide me with any service related to disputes and that it is handled by a different branch that you can only have them call you back. I demanded that I would stay on the phone until they connected me. They terminated the call. A few hours later, I was called back, and they stated that they had sent me a letter some time in the past asking for details of the dispute. I advised them that I did not receive any letter. They could not confirm delivery. I asked why they did not change the status, use the message-center on the web portal, call me, or email me. They responded that it was not their policy, and they did not have to. They advised me that the claim was closed and there was nothing that could be done. I mentioned that the website stated that it was not closed, and that was misleading. I was then told that since it was a reservation made through the XXXX XXXX XXXX website, they did not have to handle disputes. I advised them that federal law still applies to them. This sort of back and forth continued for some time. In the end, they stated that they did not have to handle disputes, and that XXXX would have to handle them. I believe this is incorrect. I also believe they are supposed to notify you properly about the dispute process. I do not believe they did so.
On behalf of my client, I submitted a nonrecourse assumption modification package for review to DiTech on XXXX XXXX, 2016. On XXXX XXXX, 2016 I submitted additional documents they requested. Since that time to now, XXXX XXXX, 2016, this file has not yet moved to their underwriters. Their excuse is that they have a new computer system and the packages that have been faxed to them prior to their new computer system, are getting lost in the process. I stated that they should only be allowed no more than 30 days to review the file and if complete, they should have a decision no later than 45 days. The staff state that because this file was sent to them prior their new computer system, they are allowed to take as much time as they want to review this file. They state that this is considered an " in-flight mod review '' which means if the package was complete before their new system was installed, they can not request updated docs. I have not been able to get consistent information when I call to check status on the mod pkg. I was told on XXXX XXXX the package was showing complete and it was under review for QC to sign off and forward to underwriting for the XXXX XXXX. I was told that we should have a decision by the next week. Unfortunately, the file sat with DiTech 's QC department without the SPOC, XXXX ( Single Point of Contact ) making sure the file moved to underwriting. DiTech 's staff is incompetent and unprofessional. Today I was told they need additional information to move forward. Why has this taken DiTech 2-3 months to realize they need additional documents? Why are the responses from the staff inconsistent?
I have submitted multiple complaints and select portfolio refuses to address them- they have not provided legal standing to foreclose they have produced false documentation of which I have provided proof that they have forged documents - on XX/XX/XXXX compl # XXXX I provided information that they falsified a deed as well as a California Acknowledgment they still have refused to answers this complaint. Why wo n't they answer this complaint. I also submitted on XX/XX/XXXX and on XX/XX/XXXX # s XXXX and XXXX both complaints were also not addressed they simply provided the same documentation on both complaints however that documentation does NOT answer any of my concerns or complaints they are threatening foreclosure and do not have legal standing- they need to answer why they have falsified documents and produced a fake California acknowledgment they need to redact the foreclosure immediately
This is the XXXX complaint I have filed against Select Portfolio Servicing. I filed a modification request five years ago before SPS became the loan servicer. After I 'd submitted documentation repeatedly over that period, SPS stopped acknowledging my counsel and mailed me directly an offer, which I never received. When they notified my counsel that the offer was expired ( even though they claimed they were not authorized to speak with my counsel ), SPS refused to extend the time to permit me to accept the offer. 
Accordingly, I submitted a complete new modification application, XXXX on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 and XXXX XXXX, 2015. SPS 's response was form letters directing me to file the forms I had just filed. Finally, on XXXX XXXX, 2015 and XXXX XXXX, 2015, SPS acknowledged receiving correspondence and information though the form letters do n't identify specifically what they received. Though my counsel has repeatedly asked SPS to call him if additional documentation is required, they refuse to do this. Instead, SPS continues to send form letters requesting me to send documents I have already, and repeatedly, transmitted to them, through my legal counsel.
I paid in full and closed a credit card account with XXXX Bank. Now as of XX/XX/2016 they are reporting it as 60 days late. How can a closed account have a status of 60 days late. 
I contacted the bank and credit bureaus with NO resolution
On XX/XX/XXXX, I sent a letter to Navient in the hopes of having a 90 day late payment removed from the account ( dated XX/XX/XXXX according to the various CRA ). After speaking with XXXX XXXX, I was assured that she would get down to the issue, but that " Navient is not in the habit of removing late payments from the CRA. '' On XX/XX/XXXX, I received email correspondence from Navient via XXXX XXXX confirming exactly what she had said. The letter, which is attached, stated that " I received Administrative Forebearance on XX/XX/XXXX that was applied to my account retroactively from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Our records indicate that your loans were reported delinquent to the credit bureaus XX/XX/XXXX. Although the forbearance did resolve your past-due status, the delinquency reporting that you 're requesting to be removed occurred prior to your request for forbearance and was accurately reported. '' If my forbearance was from XX/XX/XXXX to XX/XX/XXXX, is XX/XX/XXXX also not covered in this forbearance period? I have several accounts with Navient, totaling more than {$75000.00} ; some of which were transferred to them from XXXX XXXX. I am now very weary that any of the information is correct or being reported correctly. Not to mention the fact that they are great at not providing timely information when it was time to renew my Income-Based Repayment Plan.
XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with XXXX. 

Notification to the lenders was provided in XX/XX/XXXX by my Veterans Attorney with a copy of the XXXX determination by a Federal Judge. 

I am XXXX XXXX and receive only Social Security XXXX Benefits and VA Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$5900.00} XXXX reported as late XX/XX/XXXX-XX/XX/XXXX balance {$2900.00}