WillisBack/dataset-financial-user-claim huggingface dataset:
Back in XX/XX/XXXX I filed a complaint on XXXX who was trying to collect on a account that I had already settle and paid the amount that we settle on. XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/XX/XXXX for  {$1000.00}. I ask XXXX to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}. The company now has now sold the debt to another company. I already settle on a amount with a different company which has been paid! Now they have resold the debt making it like I havent paid anything! This account had been detrimental to my credit score and has prevented me from obtaining financing! I again ant the account removed and marked paid in full I have paid the money that I have been asked for!
My second mortgage transferred to Rushmore loan management service after it was being handled by XXXX XXXX XXXX. Rushmore mortgage got the account after XXXX XXXX failed to address the escrow issue with the loan. 
I have had Homeowners insurance since i have owned the house 11 years ago. i have sent to XXXX XXXX proof of having homeowners insurance for the last 6 years. Now Rushmore Loan Management services is trying to do the same thing and collect unverified or paid homeowners insurance on the property that they expect me to pay twice for. These practices have prevented me from making the accurate payment and they still working on collecting bogus money they never paid for. I am attaching the coverage on the house since XX/XX/2012. 
There should not be any late charges to my loan and there should be any owed homeowners insurance that i have to pay. The current company is trying to be me in default again and not even checking their records for accuracy. There is no proof on the service 's end to show i owed or didn't have insurance coverage since the current and previous servicer had handled my mortgage. 
There should be no reason that Rushmore loan management services charging me for escrow and putting in default on my loan because of escrow i had already paid and had coverage on my home.
To Whom It May Concern - I had some medical bills with XXXX XXXX that were put into collections with XXXX XXXX. I paid the balance in full and the accounts are still on my credit report. I am in the process of purchasing a home for me and my daughter and this is presenting an obstacle. I'd like these removed from my credit. 

Thank you, XXXX XXXX
I am buying a home with the closing scheduled for XXXX XXXX, XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and Equifax, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when XXXX Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and Equifax indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.
As of XX/XX/XXXX, I have made 36 student Liam payments, ranging from {$250.00} to {$290.00}, to XXXX XXXX since XX/XX/XXXX under the Publuc Service Loam Forgiveness program. XXXX reported that I only had 19 qualifying payments. However, I was never told the I repayment plan I had no longer qualified for the loan forgiveness program. Each time I applied for a repayment plan I called them and asked for help to assure this would not happen.
This account was previously removed and was reinserted multiple times with any notification at all and this company keep violating FCRA 611 5 ( B ).
due to miscalculations of taxes and we were now {$7000.00} short in the escrow. I contacted XXXX XXXX to inquire why we were being penalized for this and basically were told it is what it is and we need to pay the monthly payment. There was no way we could afford this due to other obligations as well. We are now three months in default and fear foreclosure. I contacted XXXX XXXX XXXX XXXX representative and inquired what could be done. She recommended to either refinance with them or ask XXXX XXXX for a modification. I contacted XXXX XXXX and inquired as to a modification and they stated we did not qualify. I then contacted HUD and they referred us to a counselor. I do n't believe our delinquency is due to any fault on our part, as we were making our payments on time. If it were not for the errors of XXXX XXXX miscalculations of taxes at the purchase time of the home, we would not be in this predicament at this time. I believe and feel that XXXX XXXX sold us out upon discovering this and cleaned their hands of any responsibility. I do n't believe we should be responsible for the incompetency of XXXX XXXX and XXXX XXXX coming after us, instead of going after the real culprit ; which is XXXX XXXX.
Opened a dispute XXXX at which Citicards provided me a conditional credit and sent the Vendor a letter seeking more information. The Vendor sent information CLEARLY states that problem still existed after he left and he was contacted at least 3 times to repair the issue, cancellation policy but citicard 's policy is to reverse the credit pending investigation. I called Citicards many times requesting to talk to an investigator, they take my contact number and tell me that someone will call me back but on one ever does. I am beginning to feel that Citicards doesn't really have an investigation department!!! So, I had to resort to this method to get my money back before I file a legal case
I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all three credit bureaus to remove the incorrect information from my report.
get XXXX calls from the following number daily XXXX Belongs to The Offices of Credit Management , LP XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX
MY AUTO PAYMENT HAVE BEEN PAST DUE, EVERY MONTH, FOR THE PAST 6 MONTHS. I 'VE EXPLAINED TO XXXX XXXX THIS WAS DUE TO A UNFORESEEN DIVORCE AFTER 29 YEARS OF MARRIAGE. I AM STRUGGLING TO GET MY FINANCES IN ORDER, HOWEVER WELLS FARGO HAS BEEN OF LITTLE ASSISTANCE. THEY REFUSE TO WAIVE LATE FEES, THEY KEEP EXPLAINING HOW USELESS THEIR COMPANY POLICY IS REGARDING HELPING CONSUMERS IN MY PARTICULAR SITUATION. THEY HAVE THE ABILITY TO MOVES PAYMENT TO THE END OF CONSUMERS CONTRACT, THEREBY ALLOWING US MORE TIME TO ADJUST TO CHANGING FINANCES. THEY DID OFFER TO MOVE ONE PAYMENT, AT A FEE, TO THE END OF THE CONTRACT, UNFORTUNATELY, I NEEDED THEM TO MOVE ONE, WHICH SEEMED TO ME A COMPLETELY REASONABLY REQUEST CONSIDERING THE CIRCUMSTANCES AND THE FACT THAT I MAINTAINED A NEAR PERFECT PAY HISTORY OF AT LEAST 16 MONTHS, PRIOR TO THE DIVORCE.
On XXXX XX/XX/XXXX, I filed a dispute with transunion for my auto loan account with XXXX XXXX XXXX ( account # XXXX ) to update the balance. I explained that the balance was {$1000.00} less than what was being reported. Instead of updating the balance, the account was deleted from my credit report which lowered my score XXXX points. I called transunion and they said that they deleted the account on XXXX XX/XX/XXXX because the creditor could not verify the account. I called XXXX and asked them and they said they do not show any contact with Transunion and that the account is still open and in good standing and should never have been deleted. They sent me billing statements and the contract along with payment history. I told Transunion I had this information that shows the account is still open and should not have been deleted. I was told it didn't matter, that the account was deleted because they couldn't verify the information. How can you open an investigation and delete the account the same day? And why does the creditor have no record of this contact or dispute?
To whom it may concern I sent in a debt validation letter on XX/XX/18 to both XXXX  and XXXX  and they are still reporting these items of Dept of education/Nelnet which doesn't belong to me at all..This is affecting my credit score terribly. I plan to purchase a home this year and I will never be a homeowner at this point with inaccurate information on my credit reports..According to the FCRA rules, FCRA 823 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation and my original dispute of inaccurate information that does not belong to me. I did not sign for anything, This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.
In XX/XX/XXXX I contacted Mortgage Center LLC, as advised by XXXX XXXX XXXX, in regards to a mortgage pre-qualification. When I met with the loan processor I explained I had a foreclosure and that my mother, who lived in Minnesota at the time, and I were purchasing the property. I provided documentation of the Sheriffs sale, as well as a letter from my mother 's insurance company documenting where the down payment was going to be paid from, and was provided a pre-qualification letter from Mortgage Center LLC. 
By XX/XX/XXXX we had identified a property and began the purchasing process, looking to close in XX/XX/XXXX. Throughout the process we were asked for the same documents multiple times. As we approached our closing date, but had not received a clear to close, I was contacted by our loan processor stating she had filed the wrong mortgage application. She filed a conventional mortgage application, but stated she needed to file a FHA mortgage application due to the foreclosure, which was over four years past, on my credit report. She also explained the appraisal that we paid for was not valid through FHA and that we needed to secure another appraisal. 
The FHA appraisal was completed and there were still multiple issues with regards to communication with the mortgage company. My realtor, my mother 's insurance agent, agents of the title company, myself and mother worked very hard to complete the process with the mortgage company, only to have terms change repeatedly. When we finally secured a closing date, we were advised by Mortgage Center LLC staff to pay closing cost with the funds they could validate in our personal accounts and apply for a loan reamortization once we received our funds from the insurance company, as the title company would not accept a third party check. 
The funds were secured from the insurance company and sent to Mortgage Center LLC. We were later contacted and informed they would return our funds as our mortgage could not be modified because it was an FHA loan. We were instructed to apply for a modification in two years and pay all associated fees. The entire process has cost my mother and I additional funds, unnecessarily, due to Mortgage Center staff 's lack of knowledge about their business and professionalism. I am concerned about possible fraud and unethical lending practices.
XXXX & Experian are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX  does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The XXXX XXXX XXXX XXXX has not reported this information. I have asked that this be removed from my XXXX & Experian files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from my credit files.
I originally had XXXX inquiries on my transunion report. I added XXXX more within the last two months for a total of XXXX within the last year. 
Every week, the entire XXXX inquiries are deleted for no reason. A week later, the XXXX inquiries are re added lowering my score. These same inquiries have been removed and re added several times. I am trying to rebuild my credit and this has dramatically lowered my score. This needs to stop. They need to stay on or stay off. It 's ruining my credit
Paid a deposit to a Vendor ( XXXX ) for a solar purchase amounting to {$500.00} on XX/XX/2018. Contract stated that this deposit was refundable, until I signed a purchase agreement, that would make this deposit non-refundable. 

I decided not to move forward and requested for a refund on XX/XX/XXXX, which was confirmed on XX/XX/XXXX by a sales agent from XXXX. 

Opened a dispute claiming that the deposit was not refunded as per the agreement, in early XXXX. 

Got a response from the vendor, stating that the charge was legitimate ( which I agree with, since I gave them my card number ). But they did not mention I tried to cancel and a refund was due, as per their own terms and agreements. 

I responded with cancellation email and a copy of the agreement with the vendor on XX/XX/XXXX. to which I got a response that I would have to take up the dispute with the vendor, and Citi would not be solving my problem. 

I called repeatedly and sent an email to the executive team to figure out why they did not accept my proof of cancellation, but haven't received a response. People on the phone reacted with emotions ranging from disbelief to total agreement, but nobody helped me get a response from the agent who decided against me in this regard.
I sent Experian letters dated XX/XX/XXXX and XX/XX/2018 asking them to remove Regular inquiries no authorized by me and Public Records not verified by the Bankruptcy court. I spoke with a representative from Experian on XXXX-XXXX-2018 that stated that my letters were not valid.
I advised grand daughter that I may have a available balance on my debit card for a purchase. If not the purchase would be declined. She was able to make XXXX purchases and accrue up to XXXX in over draft fees. When I called Wells Fargo about the transactions I was informed, because you are a good customer we approved the transactions. I feel violated. IS THIS LEGAL?????
TransUnion is listing the following account on my credit report : XXXX XXXX XXXX : Account Number XXXX This derogatory account reporting negatively initially went delinquent XX/XX/XXXX. Since that time the account has been listed as derogatory. The account should have been removed XX/XX/XXXX. 
However TransUnion refuses to remove this account. I requested copies of the payment history from the creditor, however they refuse to gather this. I have requested copies of the payment history from the creditor as well, and they refuse to furnish them to me. 
After several disputes, TransUnion is stating again that they have verified this information, however they have not. No PAYMENT HISTORY is reporting at all on this account. NO PAYMENT HISTORY has been furnished by the creditor. TransUnion is simply taking the creditors word for it. As a consumer, this is another case where I am being bullied by this company as they quickly report this erroneous information, yet refuse to thoroughly verify the accuracy. I advised a supervisor in the special handling department that TransUnion did not even properly handle this dispute and the supervisor told me they did n't have any control over that.
Equifax issue involving 145 million people. Confirmed with Equifax that my information was compromised.
Chase bank was doing everything in their power through their XXXX XXXX XXXX, XXXX to avoid to settle on mortgage loan. I found this process very unethical and abusing. 
Under Maryland State law mediation is one of the option in foreclosure due process to meet with the lender or person representing the lender with authority to settle or be able to contact a person with authority to settle the matter at the time of mediation. This was extremely important for me to settle with Chase bank and come to agreement. Unfortunately Chase representative XXXX XXXX, an attorney from XXXX XXXX XXXX XXXX entered mediation without any authority to negotiate to settle, nor XXXX XXXX was on phone during the mediation even once. It was a conference like meeting which undermined due process. I am currently residing in the property and interested party, entered the mediation with full authority by Power of Attorney from borrower XXXX XXXX with all rights to negotiate and settle and was ready to negotiate with all supporting documents and fair settlement deal based on fair market value based on professional appraisal and guaranteed funds at the time of mediation with XXXX reputable witnesses, XXXX attorneys and widow of the judge from circuit court. We were hopping to meet with the party from Chase bank and lender with authority to negotiate and settle. Unfortunately it was n't a case as XXXX XXXX had no authority and suggested that we should submit our proposal for reviewing to the Chase bank. If XXXX XXXX had an authority to negotiate and settle as Chase bank is claiming why XXXX XXXX did n't exercise that power during the mediation? Why we are being told to submit our proposal to the bank? JP Morgan Chase is refusing to acknowledge this misconduct and denying my argument. I have XXXX reputable witnesses willing to testify if needed in this case. Mediator XXXX XXXX XXXX XXXX submitted inaccurate report " No agreement was reached '' to XXXX XXXX Circuit Court which adversely impacted my foreclosure case. The report should say " The lender failed to attend the mediation and/or failed to have access to someone with required authority to settle the dispute '' I strongly believe that this was misconduct in foreclosure process by Chase bank and by mediator of Office of Administrative Hearings XXXX XXXX XXXX XXXX. 
I believe this was unfair and unlawful. 
Circuit Court Case Number : XXXX XXXX Case Number : XXXX Foreclosure Medaition Date : XXXX/XXXX/14
I received a collection letter from RAB Inc claiming I owe XXXX of XXXX OH {$1600.00}. I have never done business with this bank and have no debts other than XXXX and XXXX credit cards, which I pay off monthly, and my home mortgage with XXXX XXXX. I have read on the internet of others receiving false claims for XXXX XXXX XXXX through RAB. My identity was stolen several years ago. It took me a year to straighten it out, and I have no patience with this type of thing now.
Sterling Financial has reported a loan to the credit bureaus that I do not have placed with them and they have also reported it with derogatory information. 
The loan they have me listed for is actually not theirs to list but belongs to XXXX XXXX XXXX and is paid on time.
In XXXX 1998 Countrywide /Bank of America issued a mortgage loan under my social security information without XXXX or XXXX verifying as they claim they do .In XXXX 1998 i was only XXXX old I was n't of age to obtain a mortgage loan yet pay for XXXX. Do to this negligence not only have they stolen my identity, my social, they have committed fraud, they have sent to my credit report that i am deceased. I cant apply for my dream home, apply for a car loan or anything for that matter since I look like the XXXX committing fraud over their " XXXX '' game as Countrywide called it to get a mortgage out for their numbers. They have allowed fraud just to get what they need and not think of the consequences that will occur.
Company has called and harassed family members after being asked to dispute the claim for validity and after telling me that they would no longer contact me or my family members. Stating the company owning the debt would call after it was sent back. The company then proceeded to call family and tell them they were trying to get a hold of me for passing bad checks. I personally talked to XXXX people and my husband talked to XXXX all stating something different. The last female stated she would put it in dispute status and the phone calls would stop. They continued to tell us they were not able to give out any information on the company that holds the debt. They also stated they would only have the debt for 5 days and they could not send me a letter with the information regarding the debt, therefore I could not formally dispute the debt in writing like all other debt collectors. At one point they threatened my husband with a civil law suit if we did not settle the debt with them.
Bank of America has continued to contact me on my mobile phone even after explicitly denying consent and after repeated requests for them not to contact me via cell phone. BOA has contacted nearly daily for the last three months while for large part of time my account was current. When I ask BOA about this they say that the calls must be in error, however, I continue to receive them and I 'm feeling harassed.
Transunion, XXXX, XXXX reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
A company called Second Round has placed a collection debt on my credit report that I do not owe. I requested that they provide me original debt paperwork, signatures, etc. and they have failed to do so. They did not respond within 30 days of my certified mailed letter nor have they responded as of yet ( it has been 90+ days since request ). In addition, I 've spoken to several representatives who continue to state that they will send me the information I 've been requesting, but they have failed to do so. I noticed that they have now placed an account on my credit report and is reporting it as Date Opened : XXXX2016 Reported Since : XXXX2016, Collection account, balance {$2100.00}. I have no knowledge of this debt/account and they have failed to provide original documentation of said debt being mine.
XX/XX/XXXX my letter was sent certified to XXXX XXXX to verify and validate three debts reporting on my credit report. I sent the letter to the address that is shown on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee. The letter was returned back to me which leads me to believe the address reporting for the company is incorrect. It is not acceptable to have a company reporting multiple insulting debts and I do not have the ability to make sure the debt is validated.