WillisBack/dataset-financial-user-claim huggingface dataset:
I took this loan out to go to school. The school ended up closing.. credits not acceptable anywhere. They lied and told me they would find me a job nothing. Now Im trying to go back to school to get my XXXX and I cant because of this debt. Its for XXXX charged off on my credit report and I still cant use the certificate they lied to me about getting at XXXX. I need to go back to school.. I need this off my credit report. They keep sending it to different collection agencies..Please help. From 2008..
I received a message from Patenaude & Felix APC stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.
A company set up a payment on the wrong date. I incurred XXXX overdraft fees on XX/XX/2018. As soon as I noticed I deposited the money on XX/XX/XXXX. I called to explain to bank. They reversed XXXX overdraft fee and refused to refund the XXXX fee even though it was not authorized on that date. I was advised I would have to dispute the transaction. I was not trying to go through all that since I just added the funds to cover the ach. I explained to them that I did not notice as I had just put my dog to sleep and checking my account was not a priority at that time. They had no empathy and even the managers were extremely rude.
I have XXXX credit card charges with American Express ( they are the same charges so it is impossible to differentiate what amount of the charges was for our purchase of their ( the merchant 's ) timeshare and what amount was for fees to enable the merchant to complete the purchase of our XXXX timeshare ) related to XXXX the purchase of a timeshare from a merchant and fees paid to the same merchant for the merchant to purchase our XXXX timeshare. 
I am not sending this complaint regarding a dispute but rather AMEX 's responsibility for the charges. 
We were told during the transactions ( we called the AMEX representative and made the transactions over the phone ) that there would be no foreign transaction fees. XXXX XXXX of the chairman 's office said these fees would be removed as the AMEX mistakenly told us there would be no fees. XXXX told us they would be removed nearly a month ago and that has not occurred ). We ask that the entire charges be removed but if AMEX is n't willing to correct the larger error of the entire charge resulting from their miscommunication then at least remove the charges that you agreed to. 
I expect answers to be provided through this system and not via separate mail.
Due to the XXXX breach we froze our credit accounts with all three credit bureaus however Transunion 's eBureau division is still rating us as of XXXX,2017. With erroneous information.
Submitted settlement offer letters paying GLA Collections the full balance of my collection accounts totaling up to {$380.00} on XXXX. Received a call today stating that they would not accept the payments due to not being the full amount, although those were the total balances reporting to my credit report. Followed up with a supervisor who then told me the actual amount has increased to XXXX dollars in full. He also told me submitting a total of {$620.00} would settle the accounts although he just stated they do not take settlements. My credit report that was pulled on XXXX/2016 is reporting separate balances of {$150.00}, {$110.00}, {$56.00}, and {$56.00}. In the settlement offer letter submitted i stated if they do not accept the payment to submit the money orders/payments directly to me which they have not done. Please advise.
I recently checked my credit score and noticed my score went from XXXX to XXXX so I got a full credit report from transunion and saw a tax lien on me for {$80.00}. I have no idea where it came from since I have never gotten any notice of any bill unpaid or lien.
I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on XXXX. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing XXXX checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a XXXX that I gave up for XXXX  It is not ok that the people I work with find out this way.
XXXX 2015, XXXX XXXX, XXXX XXXX in error pulled my credit 7 times to purchase a car for my XXXX adult daughter. Ask them to only pull twice, because I could use XXXX XXXX XXXX & I was going to purchase a property 6 months. The New General Manager, XXXX XXXX at area code XXXX XXXX XXXX XXXX XXXX provided a letter explaining the error a month ago after a year and a half of trying to have some of them removed, however Equifax has refused to remove any of the inquires. Doing the hard pulls, Equifax dropped by credit score by XXXX points.
I got a call today from a debt collector stating that they were willing to consolidate a debt from XXXX different payday loans. I never took a payday loan out, but the company that called me provided me with my ss #, old address, birthdate, full name and bank account information. I tried calling the XXXX companies that these loans supposedly originated from, but they are no longer in business. I also have not worked since 2011 and have lived in XXXX since then, but XXXX of these loans supposedly originated since we left XXXX.
On XX/XX/XXXX, tried to pay my Capital One, Venture Card. Restricted File # Ref. No. XXXX, called Capital one, told I had a Bankruptcy filed! Told them I never filed Bankruptcy! 
And other Capital One card was fine, that I had paid it that day! Said they would have to wait 3 days for them to correct their mistake. 
Called XX/XX/2017 Card still restricted. Could n't give me number to call for SECURITY REASONS. Keep calling back, maybe I can get a Supervisor then!! 
Called Fraud protection number XXXX spoke to XXXX, Have to wait until cleared by Bankruptcy Dept!! Should be cleared by XX/XX/2017. 
Called XX/XX/2017 transferred to 3 different people, told this bankruptcy had been filed XX/XX/2017 XXXX XXXX Court of Indiana!! Ca n't do anything now. 
Called Corporate # XXXX spoke to Agent XXXX XXXX, told other calls made to CapitalOne were not never put thru correctly! She would put thru and have it cleared. 
Called XX/XX/2017 XXXX told them I was going to report to CFPB putting thru to Supervisor, disconnected, called back, disconnected, called back again getting Supervisor, then " sorry having company issues with system ca n't get supervisor '' call back later! 
Called XXXX XXXX Court Indiana, ca n't help since I am in Florida, would n't be filed there!
I was sent {$2400.00} from my client through Paypal. When I logged on to Paypal to transfer the money into my bank to balance our cash flow, the system showed that only {$69.00} of the {$2400.00} was available and the rest would be held for 21 days. I called Paypal and spoke with an agent and asked him to have the money released immediately as we were expecting theis money as deposit to start our work on the project. The agent walked me through the website to indicate that I was not selling anything that required the hold. He said after that process the money would be released in three days. After 4 days the funds were still held back. I called Paypal again and spoke with another agent who said he could not remove the hold and that he would have the supervisor email me a response to my complaint. I had to go through a lot of trouble to fix our finaces so that our chceks would not bounce. It is already 20 days and I just chceked, the money has still not been released.
Our home was severely damaged due to Hurricane Harvey. We had up to two feet of water flood into our home. We did not have Flood Insurance as it was not required at our address. FEMA graciously gave us a great sum of money to repair, but it is no where near what we need. Therefore, we have applied for and received a loan from the XXXX to rebuild. However, to continue the line of credit with the XXXX, we are required to get a " Prior Lienholder Agreement '' filled out, signed and returned by our mortgage company. We contacted our mortgage company, Carrington Mortgage Services , LLC, to find out how to send the form. We were given a fax number but no other means of contact. On XXXX XXXX, XXXX, I sent my first fax, requesting the form be filled out and faxed to the XXXX etc. I also requested that I be contacted when the form was received, so I could ensure it was being taken care of. I also let them know that if I received no confirmation, that I would continue to fax the form daily. I was able to verify that the form was sent to a different department within Carrington Mortgage Services , LLC, but again, there was no way for me to speak directly to this department to verify handling. I continued to fax the same letter every 24 hours ( during business days ). After 11 business days, on XXXX XXXX, XXXX, I redrafted my cover letter to again ask for the form to be filled out, contact to verify expedience, and to let them know that after 15 business days I would pursue filing official complaints. On XXXX XXXX, XXXX, I sent my last attempt, a full 16 business days after initial contact. 
Again, I redrafted the cover letter to make sure they were aware of my intentions. As of today, XXXX XXXX, I have not received any contact from Carrington Mortgage Services , LLC, that they have received or are handling the request. I have also verified with the XXXX that they have not received the form. 
It is in Carrington 's best interest to return the form to the XXXX immediately, as it allows us to make necessary repairs to the property. I have attached the three different faxes I have sent to Carrington, and I have copies of all Facsimile Transmittal Receipts if proof is required.
Suntrust were experiencing online issues, during this time were not able to access the account as we could before on a daily basis. This took place over a 30 to 35 day period of not having access or be able to perform payroll After noticing fees and account overdrawn, I contacted the bank on several occasions, even went into the bank Personally at least twice ... ..They did refund 2 of the fees, However ... .Those were the ones that they did just to be saying so
Equifax, XXXX and XXXX  are reporting inaccurately on XXXX XXXX XXXX account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XXXX XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXXXXXXAfter dispute with all 3 bureaus XXXX  says on the report, {$7100.00} past due in XX/XX/XXXX.InXX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.
I contacted Experian on XX/XX/XXXX and again XX/XX/XXXX to dispute some personal information inaccuracies on my credit report. I included a copy of a utility bill, my social security card and my drivers license with my correct name XXXX XXXX XXXX XXXX as well as my correct address 4XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I informed Experian of the errors on my report which were an incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and an incorrect name of XXXX XXXX. I do not live at this address and I have never gone by the name XXXX XXXX. I received a response from Experian on XX/XX/XXXX that the information had been updated. I am unhappy with this response because false/inaccurate information should be deleted not updated. I find it hard to believe that a thorough investigation was conducted in 11 days. As I stated previously I provided my social, state issued ID, and a utility bill verifying my address and correct name. There is no reason for this inaccurate information to be on my credit report. It is a violation of the FCRA.
On XXXX I retained a law firm named XXXX XXXX XXXX XXXX XXXX, ( hereinafter referred to as XXXX XXXX ) to help facilitate a loan modification with Citi Mortgage for my homestead property located at XXXX XXXX XXXX XXXX, XXXX FL XXXX, Loan {$0700.00} XXXX XXXX ( since that time my servicer has changed hands twice, from CIti to XXXX to now XXXX XXXX ) And I terminated XXXX XXXX inXX/XX/XXXX. My Complaint to the CFPB is regarding Citi Mortgage and the violation of FCCPA and Fl Stat 559.72 ( 18 ). On XXXX XXXX XXXX sent via certified mail a Cease and Desist Letter directing XXXX to send ANY AND ALL future correspondence to XXXX XXXX. On XXXX XXXX XXXX  also sent certified mail to Citi a Qualified Written Response. Citi Mortgage blatantly IGNORED both of these letters, which DELAYED AND HURT THE LOAN MOD EFFORTS THEREBY CAUSING ME IRREPRABLE HARM AND HURT MY CREDIT. I received OVER 60 letters from Citi after XXXX which by all rights and purposes were supposed to be sent directly to XXXX XXXX, which the CFPB can plainly see delayed and hurt me terribly. By Citi ignoring the C & D, and  the QWR wreaked havoc on my effort to simply just modify my mortgage. Citi repeatedly sent to me OVER 60 letters, of which I have them all, and would be too voluminous to submit to the CFPB with this formal Complaint. On XX/XX/2015 XXXX XXXX   sent a formal Demand Letter to Citi mortgage WHICH ALSO WAS IGNORED. Citi Mortgage 's blatant gross disregard and IN VIOLATION of the FCCPA AND FLORIDA STAT 559.72 ( 18 ) is reckless and hurt me and my credit. These national mortgage services need to be held to a higher standard and be held accountable. By their not adhering to the FCCPA AND APPLICABLE STATUTES HARMED MY CREDIT. I am submitting this complaint to the CFPB as well as sending a formal demand letter for restitution to me from Citi. I have since after much, MUCH effort finally obtained a loan modification for my homestead AFTER EXHAUSTIVE EFFORTS WITH CITI WERE FUTILE AND NOT SUCCESSFUL. I can not stress to the CFPB enough that even with an attorney pursuing a loan mod it was impossible to achieve with Citi ; I finally did obtain a modification with XXXX when they took over servicing my mortgage, which has since changed to a servicer named XXXX XXXX. CITI MORTGAGE BLATANTLY IGNORED the C & D,  the QWR and the Demand Letter. HOW CAN A NATIONAL MORTGAGE SERVICER DO THIS IN GOOD CONCIENCE??? The lowly homeowner WHO THEY ARE SUPPOSED TO BE SERVICING IS JERKED OVER AND HURT.
On XXXX XXXX, 2017, Equifax went public with news that they failed to prevent a breach of their security and millions of American 's sensitive identifying data was taken by cyber-criminals. Unfortunately, despite having never personally done business with Equifax, their website says that I was affected. Equifax has profited for years on the buying and selling of my personal identifying information. Because of their inability to keep my personal information safe, I will forever have to deal with the consequences of their actions, not my own, and their actions may make it harder for me to buy a home, a car or for my future kids to afford college. This is devastating and none of it was my fault.
I opened an online account with Synchrony Bank about 2 months ago. 
Beginning XXXX weeks ago, I have been unable to access my account. When I log in, I get a message to call them. I have called 4 times and no one has been able to correct this issue. They say they will escalate it, but no one calls me & no one has fixed this problem.
On XXXX XXXX I heard about the Equifax Hack. I had purchased a home last year and this company was on the report from my bank. I then by day 's end had gotten on to the Equifax website and went through the steps to determine if I was effected. I found under that I was. I then signed up for the free 1 year term of trustedid.com. 8 days later I was alerted about an inquiry on my credit. I tried contacting Equifax and spent XXXX hours on hold with their consumer affairs department. 3 days later a personal line of credit was taken out in my name in the sum of {$3000.00}. Again I immediately tried contacting Equifax and had spent a total of XXXX hours on the phone with many departments to never actually get to talk to anyone that could help me. I then put a freez on my credit with XXXX and XXXX. Spoke to XXXX they actually told the proper steps to make sure my credit was frozen on their website as well. Equifax and their employees should be erased from the credit world.
XXXX   2016  our  XXXX    XXXX   loan was transferred to Lonecare.    XXXX   2016 we  noticed a double paym ent ( {$1300.00} ) of our mortgage to Lonecare.  I (  XXXX   XXXX   XXXX   XXXX   ) call Loancare to  inquire if indeed we were double billed. The agent I spoke with seemed to think so but told me i Needed to request a review and gave me an email to do so. We received an email ( attached ) that showed my original email along with assurance that  Loancare would look into our concerns. Approx a month later we received a check from Loancare f or the above amount. We assumed this was the answer to our inquiry and the case was closed.    XXXX   2016 we  received a delinquent notice for  XXXX . I contacte d Loancare an d they told me that I asked for the reimbursement and the obliged ; made no sense to me that a mortgage company just return a check knowing it needed to be applied to  XXXX  statement!   The supervisor i spoke with was unwilling to see our side and told me there 'd be late fees and credit notification if I did n't remit payment within 15 days.   I contacted an Attorney and he sent a letter . ( attach ed ) After a response letter from Loancare that they would look into the matter, they sent a letter saying we requested the funds and they did what we asked.    Another letter from attorney was sent and again the same procedure and same result ; Loancare will not work with us! I see Loancare wanting nothing better than for us to lose our home. We ca n't afford going after Loancare in c ourt but at the same time we ca n't come up with {$1300.00}. I 'm  XXXX  and on a fixed income.   You 'll find attached documents, emails, attorney letters and statements.
I have disputed items on my credit report over 4 times and the only response from EXPERIAN is that its been verified. I have asked EXPERIAN on more than one occasion to show me the burned of proof that these items are 100 % correct and it has not been VERIFIED. I also, asked EXPERIAN to send me the proof and the person who VERIFIED it. Needless to say I received nothing back NEITHER time I requested it. This is a Violation of 15USC 1681. I asked MORE THAN ONCE to send or let see the verifying documents, the persons name who verified them, And what documents was used to verify the items. Never received them out of the 3 times I, requested the documents. It is there responsibility to make sure that All information is 100 % correct before reporting it to a credit report. 1681 a,4. Re-investigation, does not mean I, the consumer prove to EXPERIAN that its no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted.

As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian certified mail in the attachments along with the response back from Experian. Experian also, explained that they do not use other reporting agency for there deputes. With that being said can Experian explain how is the consumer suppose to dispute inaccurate information? Please explain? I do not understand if 1 item has been deleted from the other 2 CRAs and Experian keeps the item as been VERIFIED. How then am I, suppose to dispute that item? which that the case with a few of these items.
Two months ago my personal checking account was overdrawn. In researching it I found out that XXXX XXXX over charged my mortgage payment by {$600.00} its causing such. I called XXXX XXXX XXXX to find out how it happened and advise them not to allow it again. Next month it happened again. Overdrawing my account. XXXX XXXX outsources the mortgage payment process to PHH. I tried to set up bill pay through XXXX XXXX XXXX for last months bill. XXXX XXXX XXXX rather than paying PHH mailed a certified check to my home. PHH collections are making calls to me and Im trying to make the correct payment. The reason for the additional XXXX is that my insurance did laps. Which I resolved immediately. My insurance agent sent proof. They also claim that I did not pay property tax. I called XXXX XXXX XXXX tax appraiser who advised me that the taxes were paid and sent me proof by mail of a receipt.No one at PHH or XXXX XXXX will give me an email to send in the proof of tax payment. The last two times Ive spoken with PHH, I was promised that they would call me back the next day with resolution. It never happened. Today, I was left on hold for 10 minutes and then hung up on. 
Any assistance and or guidance will be gratefully appreciated.
Should be marked as other. Mainly, Sands Recovery is a debt buyer who has chosen a path of purchasing debt accounts without properly validating such debts. There is no debt here, no chain of title back to the lender. It is unclear if they sold the debt or assigned it to a separate company for servicing. Sands and XXXX XXXX XXXX should be looked into for not validating the accounts prior to selling to the next entity.
On XX/XX/XXXX I tried to place a security freeze on my Experian credit report via their website at https : //www.experian.com/freeze/center.html I tried to do this three times, all unsuccessfully. Each time, the website stated that I would need to provide a police report in order to place a freeze. I do not have a police report, as I am not a victim of identity theft. However, under the Economic Growth, Regulatory Relief, and Consumer Protection Act, a law enforcement report is not necessary to place a security freeze.
I contacted this company on numerous occasions asking them to validate the debt to which they have reported on my credit profile. However, I never received a response from the company. I went online and disputed the same account through the credit bureau to which they replied the account was mine. I will ask XXXX last time for a legal debt validation on this fraud account.Furthermore, in accordance with the XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I have never made a debt with this company and never made a promise to pay anything regarding this company. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
I settled all my debts a couple of weeks ago, I paid all XXXX collection agencies that claimed I owe them. XXXX recovery systems claim I owe them {$780.00} plus, I settled with them on XXXX XXXX 2017. My conformation # is XXXX. 
I also settled with XXXX for {$33.00} ( which I owed ) I setteled those accounts on XXXX XXXX as well. Conformation # is XXXX and XXXX was also settled since the credit was sold to the same creditor. Payment conformation XXXX. 
All these payment were made electronically and I proof of payment. 
I do plead that you look into this urgent matter for me and I truest appreciate the help and thanks in advance. 
Sincerely XXXX