WillisBack/dataset-financial-user-claim huggingface dataset:
I have been in limbo with moving ahead with a disposition of a mortgaged property. It has been over two years. I have written to Shellpoint Mortgage asking them to either move toward Foreclosure, a Deed in Lieu and I have someone who wants to do a Short Sale. They have refused to move on either one. I am willing to assist them in whichever direction they choose. They only continue to add on fees and services without moving ahead. My hands are tied and I do not know what to do in order to get them to move ahead to some type of closure. I have my registered letters and all of my emails sent begging for a resolution. Please help me. I do not know where to turn to get this resolved.
BBVA Compass is not honoring its credit card contract with me, regarding points given for purchases or any ability on my part to modify my point selection. Due to an IT problem, the credit card website is totally ineffective. I have called them repeatedly, written emails, complained at the local bank branch and spoken to a variety of supervisors, but no one seems able to correct this problem. The credit card is worthless to me if it is n't doing what it agreed to do. I should be able to change which purchases I make earn the most points, but I ca n't. I should be earning more points for certain purchases, but I am not. All purchases, regardless of my choices, earn XXXX point per dollar. This is faulty.
I 've been receiving calls from Transworld about a supposed student loan in default for several months now. As far as I know, I do not have any student loans left and wanted to know more information about the origin of this debt. The amount they are collecting for is also close to the amount of the remaining balance of a student loan that was paid in full in the fall. I requested a letter be sent to me in the mail with this info so I could check it against my records. 

I received nothing in the mail and several weeks later Transworld began calling me again. When I called them back, they said they had no record of my phone number in their system and so they had no idea why they would be calling me unless I could give them an account number, which I could n't, as I still have n't received anything in the mail from them. I was finally able to answer a call from Transworld and the agent told me the reason they could n't find my phone number before was because the other agents I spoke to were n't authorized to talk to someone in my state. For the 2nd time I requested the loan info be mailed to me. This was on XXXX XXXX. 

On XXXX I began receiving phone calls from Transworld again. I still had not received anything in the mail from them. I finally did receive something today, but it is just a generic letter informing me of ways to resolve the debt, nothing about disputing it or the debt itself ( amount owed, etc. ). 

I called Transworld today, XXXX, to request, for the 3rd time, info on the loan. I explained and asked for the letter to be sent at the beginning of the call. At first the agent tried to dissuade me from requesting the letter. I told her that I know it is my right to receive that info and she became belligerent with me. She asked what kind of info I wanted and I said, " anything you have, like the origin, amounts, who it was paid to. '' She gave me some info and some of it matched the previously mentioned paid off student loan but some did n't so I asserted again that I wanted a letter in the mail with this info, so I can figure out what is going on. She tried to continue to argue with me until I reminded her, again, that by law they have to provide me with this info or stop calling me, and that this is the 3rd time I 've had to request that info. She finally relented, verified my address, and ended the call. 

I would like to figure out what is going on with this debt and resolve the situation but so far Transworld has sent me XXXX info, yet persists in calling me to collect. The last agent I spoke to was unprofessional and belligerent when I tried to assert my rights. It was also unprofessional of Transworld to not be able to look up my phone number when I called them so that XXXX of their employees literally told me they had no idea why Transworld would be calling me.
i wanted to pay my cc bills down before the start of the new year of XX/XX/XXXX. i made 2 payments to barclay priceline rewards card ( please see attached payment history ). i made a payment on XX/XX/XXXX for {$100.00} and a second payment on XX/XX/XXXX for {$1000.00}. i attempted to make another payment in XX/XX/XXXX but their payment system was down and didn't accept my payment. i explained this to barclay and was told its my fault i should have made other payment arrangements. however ; i really didn't owe a payment because i had already made my payment early at the end of XX/XX/XXXX.  but they still refused to move the negative 30-59 days late from my credit report. this little stunt on their behalf caused an 35-45 point drop in my credit score which  killed my chances of obtaining construction financing for my new home.please help me.
My auto lease is through Wells Fargo Dealership Services. Wells Fargo has a different department for auto insurance and they have added auto insurance when I did n't have insurance. Shortly after I sent a copy of my full insurance to justify that I do indeed have insurance. The company has decided to add an extra {$40.00} throughout the remainder of my contract. This addition took my car notes from {$250.00} to {$280.00}. I have asked if I can get a statement regarding this. They then stated that this added amount will not appear on my statement and/or if they send anything it will not appear as well.These facts have raised my eyebrows so I 'm reaching out for assistance with this matter. 

Thanks in advance, XXXX
Equifax was hacked and my personal information was compromised. They knew of the breach on XXXX but are now just notifying the public that their information was compromised.
I have disputed this account multiple times and XXXX removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

DIVERSIFIED CONSULTA Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. XXXX is continually allowing creditors who are unauthorized to access my information and this is against my rights.
My {$100000.00} student loan debt was transferred to Navient when  XXXX   XXXX  split. I consolidated my loans for ease of repayment. However, their interest rates were not, thus each individual loan remained with its original interest rate.     I paid off most of my loans by making overpayments, which I allocated to the individual loans in order of highest interest. I have only  XXXX  remaining loans,  XXXX  with a significantly higher interest rate. Navient, however, changed its website so there is no longer an option to allocate overpayments to separate loans. For months after switching to the new website they provided a link to the previous website, so I used that instead to allocate payments to the higher interest loans.     This option no longer exists. In the explanation of loan allocation provided on the website, the company states that if loans are consolidated, payments must be made together and distributed evenly between loans. I believe this is incorrect and illegal. Strangely, in a separate description of online payments, the website claims one can allocate online payments to loans as they wish. Yet, that option is not actually there.     Navient should be providing loan customers the option of allocating extra payments to their loans as desired.
I am assisting a veteran complete a short sale on his home. Ditech is the loan servicer and its a VA Loan. I have submitted the short sale package along with an offer to Ditech XX/XX/2016. Ditech has failed to respond to the offer. I need assistance with this request. I have attempted to escalation this file with Ditech directly with no success and I called VA directly seeking assistance - but they did n't offer much help.
I noticed today that over the course of four months ( XXXX, XXXX, XXXX, XXXX 2015 ) my bank account was debited {$40.00} each month by XXXX. The debits appeared on my bank account statement as " XXXX WEB PMTS '' and " XXXX WEB PMTS '' A quick search through Google shows that other individuals have been scammed by the same entity. A call to the number listed for the company goes only to a voicemail account. The company website lists a location at XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX. However, many online have noted that this is likely a scam originating from outside of the United States. I filed a claim with my bank and they are investigating. However, the source of this scam needs to be found and stopped. An alert should be sent to US financial institutions. I imagine that because the amounts are relatively small there are a number of these fraudulent debits that are going unnoticed. Because I just noticed this activity, I am not able to receive a credit for the first debit that occurred in XXXX 2015. This needs to be stopped before it happens to more people.
In XXXX i submitted a dispute to ALL three credit bureaus. XXXX, Equifax and XXXX. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. XXXX removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and XXXX hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. XXXX needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report. 
XXXX ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
Equifax replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX XXXX multiple accounts ) XXXX XXXX multiple accounts ) XXXX XXXX EQUIFAX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!
This is a bill for XXXX  services that were performed on my spouse approximately 4-5 years ago. At that point I was in a XXXX program and we were both insured. She went to a doctor for routine preventive visit and routine XXXX  were ordered. Subsequently XXXX sent us a bill for the XXXX   for {$1200.00}. They had our insurance information and failed to bill the insurance after repeated request. I dont even have the bill anymore. When i tried to call XXXX they are asking for a bill invoice number which I dont have anymore. They sent the bill to collections and now the collection agency RMCB is repeatedly sending out a collection notice for the past 2 years. I know for a fact that my insurance would have paid that bill. I am also now unable to search for the specific insurance details for that year. I have no idea what to do or who to call and dispute this.
On XX/XX/2019, The Corporation/LLC Certificate of Good Standing for the state of Illinois shows that CMRE Financial Services , Inc. is not legally able to collect in the state of Illinois as they are in not good standing per the website. I am disputing the debts reported on my credit due to no valid license for CMRE to collect in the state of Illinois.
HomeBridge Financial gave me false information over the past 3 months regarding my PMI. Even after a letter was sent they refused to stop charging it and kept telling me I wasn't qualified for it even though I was. And when I finally escalated they refused to have me stop paying until it was at 78 %, which when requested and good standing can be done at 80 %.
I received a notice from XXXX XXXX a month ago, stating my score had dropped. After checking this report, I noticed Capital One reported my account late. I entered into an agreement with a third party, consolidating all of my credit cards. Capital One signed on XX/XX/2017, with the new terms and monthly bill. After founding out this information, I called and spoke with Capital One, that said, they were behind on reporting and it would be experdiate and handled in a timely manner. As of today, nothing has been done and my report is still negative. I am working on my credit to buy a house, and this is hurting my chances.
I recently brought a prior dispute to you because I had  3 collec tions on my report that had been on there for several years and I had re-established my credit to  XXXX . Well recently they decided to re-age these debts because they were all with the same debt collection agency but, you all wrote back to them and they were removed with the exception of one I believe they have brought back now, but m y credit score has  not changed at all. It has gone now and stayed down at  XXXX . Can you tell me why my  credit score di d n't change since this collection was removed and this new credit that was added to my credit should have been removed as well.
Chase mtg reporting account XXXX as XXXX owing and 120+ days past due. It reports open X/2007 with no credit limit but a payment of {$260.00} and XXXX balance. I have never had an account with Chase mtg with this information ... unsure if it 's error or somebody else 's account. needs to be removed from all 3 major reporting agencies
I read that you successfully sued Ocwen Mortgage yet they are still using the same tactics. My loan was sold over and over during the housing crash of XX/XX/2008. I can not remember the name of the company that sold out and gave my loan to Ocwen. The previous company and Ocwen, will not stop these late fees from being on my account. Now they no longer will allow me to pay my mortgage payment without charging me because they put that I owe {$2000.00} in fees due to them never allowing me to change date my loan payment which was originated with another mortgage company. I have been charged at least {$7.00} a month for years to make a payment! Ridiculous. They will not modify the date. My husband was seriously injured in XX/XX/2010 and is now XXXX   XXXX. I could not make the payment on the 1st of each month, I had to wait until I got paid at the end of the month and so they added even more late fees. You can not win for losing with this company. Everything you sued them for they are still doing. I did not get any compensation or letter from Ocwen about the lawsuit with your company. I do not understand how they are allowed to do what they do to consumers because it is so criminal and appalling. Due to my husband 's injury it ruined our credit and I can not find another company to service the loan, unfortunately.
Diverse Funding bought a very old debt and placed a fake payment to re-age the debt. I have proof from my banking statements and institution as to when my last payment was.
on XX/XX/2018 at XXXX XXXX I was called by someone from this company about a debt from an old Electric bill that I had in the past that was included in my XXXX  XXXX. I told the woman that I did not have the attorney phone number or the case number because I was at work but I did however have the name of my attorney. I spelled out the first and last name of the attorney and said if she XXXX the name his address and phone number would come up. The rep then got very rude and said that its not her responsibility, I said ok well I'm at work and I cant search for the phone number or address for you. she then said that I will still receive collection calls until I call back and provide all the information. which I feel is illegal. If I mention that I have an attorney and that I have filed Bankruptcy they shouldn't call me anymore or threaten to.. so then after she said it wasn't her responsibility I told her DO NOT call me again I don't even care about this. she then got snippy and said well we will still call and this will still affect your credit and she hung up on me. I feel like she was very nasty, demanding, condescending, combative and abusive. A telephone bully. I'm Contacting my attorney in regards to this to see what legal rights I have in regards to a potential lawsuit also will be filing a report with the state attorney general and the XXXX.
My husband has XXXX accounts with Ally Bank. They are IRA 's. He passed away on XXXX/XXXX/XXXX and I contacted Ally Bank for the first time on XXXX/XXXX/XXXX. I was the sole beneficiary of these accounts. I faxed a copy of the death certificate and my drivers license on XXXX/XXXX/XXXX to the IRA department at Ally Bank. The money from his IRA 's were supposed to be put into a new account under my name. I mailed the new account information on XXXX/XXXX/XXXX. I have repeatedly called Ally Bank since XXXX and have been told something different every time. Every time I ask what is going on I am told that I will receive an email in XXXX to XXXX days with the correct form. The email has never arrived. I called today and asked to speak to a supervisor and was put on hold and no one ever picked up. I have asked to speak to a supervisor several times and have been told that the IRA specialists are too busy.
Greentree has falsified documentation as to my home affordable loan. I have record that show how many times I applied starting in XXXX. XXXX XXXX was my reprehensive that harassed ma and lied about paper work. I have a folder of everything. I have a copy of a letter I wrote to hem on XX/XX/XXXX about all these issues..Greentree states that I denied help for a modification. It took many frustrated days until I finally got a mediator XXXX XXXX XX/XX/XXXX. Because it didn't matter all the faxing, talking was getting me nowhere. I have documentation to show all. When XXXX XXXX summited everything I sent to them, they had not choice but finally get the program I needed and had applied for. 
There facts are lies. And Ditech is doing the same dishonest things. Telling me after the hurricane that they were here to help. I took advantage of that and in XXXX the were threating me foreclose for {$3500.00} and added {$630.00} for interest ... I started to pay and extra {$500.00} a month but they came after me ... I sent them 3 Hurricane checks. In XXXX and the first of XXXX. Its now XXXX And they have held my money and lost one of the checks. The told me I must have sent it to another address. NOT. I called my insurance company and the told me the checks were deposited to the bank on XXXX XXXX 
Greentree and Diteck are sister companies and Diteck took over Greentree. Told to me by one of the employees a week ago. This is not a company that can be trusted. 
I have lived in this home for 40 years and I plan to keep it ....
Experian reporting and allowing unauthorized inquiries on my report. They wont provide written documentation as to the nature of the inquiries. Someone has my social security number attempting to get credit
TransUnion, has failed to report correctly despite multiple attempts to correct information. I have sent disputes via mail and through the website. Not only has it been embarrassing to my brother, who they have fully disclosed his debt and financial situation to me, but it is jeopardizing my ability to provide for my family as we are coming up to some major financial decisions in the next year. TransUnion is the only XXXX out of the XXXX agencies that is grossly incorrect. I am currently active duty and XXXX dealing with the hardships that come along XXXX and having to deal with this credit agency over and over again is completely absurd. 
After sending in all proper documents for identification and detailed documentation identifying each dispute TransUnion responded with an even more faulty report. Attached are the documents with hand written corrections. Not only did they keep the items that are not associated with me but they took off an item that actually belongs to me. I am unsure if this is my brothers report with my name on it, or if they just continue to not know how to discern XXXX individuals with a very similar name, same birth date ( we are twins ) and different social security numbers. I am at a loss on how to the credit reporting agency is unable to do its job to properly investigate and report.
Experian has made it difficult for me to get my report # XXXX and # XXXX they refuse to remove wrong information. I am upset. They are ruining my life. They refuse to provide validation, creditors reporting them do not provide validation and those accounts MUST be removed by law. They are reporting incorrect addresses and they are letting people see my credit who I never authorized to pull my credit. The erroneous information is as follows. 
I never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my addresses, Experian has been notified and refuses to comply and remove them. Additionally, they continue to illegally report the following accounts that do not belong to me. They refuse to provide documentation for me to reasonably defend myself and so do the creditors. Knowing my name, address, etc. does not constitute a contract or legal debt. 
XXXX XXXX Account # XXXX XXXX Account # XXXX .... 
XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 
Finally, I did not give anyone permission to pull my credit in years. The illegal, unauthorized credit pulls that need to be removed are here. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I was a victim of the XXXX Data Breech and my purse was stolen in XX/XX/XXXX with my social security card, driver 's license, and my birth certificate on a card. I already sent a copy of the police report to Experian and a copy of the letter including me in the XXXX data breech. These are not my accounts. I have hired XXXX XXXX to sue if it 's not corrected immediately. I am done being a victim.
XXXX, attorney XXXX XXXX ( fired ) XXXX XXXX filed a foreclosure against me, I have no mortgage, I have a paid in full. From XXXX XXXX XXXX. The lawyer knows its fake, he received the PSA from me, it clearly states no assignment was TRANSFERED, there is no trust or trustee. The lawyer handed Robo assignments in and brought a fake witness to to TESTIFY. Referee XXXX XXXX XXXX XXXX, tampered with minutes from hearing, inserting a witness on minutes, entire proceding was recored. I sent copy to court reporter. XXXX XXXX. When she seen herself on film, she stated XXXX XXXX mad her do it. Fraud in the FACTUM.they stole my Mail, signed my name to a electronic transfer of FUNDS