WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a Foreclosure Prevention XXXX with a Nonprofit, HUD XXXX XXXX for over XXXX years. I have been trying to assist my client since XX/XX/2016 who clearly qualifies for XXXX. The servicer, Fay Servicing, has done nothing but put my client in a situation where they will lose their home. Fay Servicing acknowledges the investor on the loan participates in XXXX, but Fay Servicing refuses to communicate how they calculated the client 's income to state the borrower does not qualify for XXXX. XXXX XXXX has verbally communicated with me that the loan was approved for an " In House XXXX XXXX '' which will be almost $ XXXX more than the current payment. Fay Servicing then forwarded a XXXX letter dated XXXX, to the borrower stating the borrower must respond on XXXX, yet the borrower received the letter on the XX/XX/XXXX BUT the letter does not include any information about the Trial Period Plan whatsoever!. Therefore, what is he agreeing to??!!! I just now called Fay Servicing and although I was verified as third party authorized on the account by the woman that answered the phone, I am now being told by the supervisor, XXXX I am not authorized on the account! I have been told that they will not answer my questions yet they will not give the homeowner anything in writing. This is an unbelievable situation that the homeowner has been put in!
I was trying to tell Equifax online I have a XXXX balance on a loan. Gave them my correct personal information, and they refused to get me into my records to update the info. I tried three times, received the same inefficiency. This is NOT acceptable for a public agency that handles consumer 's important data. I did not have this trouble with XXXX or XXXX. Equifax needs to improve immediately, or get out of the business.
Payed off the balance due in full on a Walmart credit card by electronic transfer of funds from our checking bank account. Walmart took the payment and credited the credit card account for the amount but will not make the line of credit available again. They have said it is their policy in the event of large payments ( which this one was ) to wait to make the credit available again until there is no chance we will cancel our electronic transfer of funds from our checking account.
I paid this bill to XXXX XXXX XXXX and this company, Credence Resource Management, LLC, keeps calling me about it after I informed them that it has been paid. I also tell them not to call me any more, yet, they call XXXX - XXXX times a day. They have also slandered my credit with a false collection listing.
I received a pre-approved credit card offer from American Express and subsequently applied for the Platinum Card on XXXX XXXX, 2017 ( application # XXXX ). The application was declined and I reached out to American Express New Accounts Team for an explanation - the representative stated that because the reason was that I already have the Platinum Card. I spoke to customer service to have the card account downgraded to another product, and applied again for the Platinum Card on XX/XX/XXXX ( application # XXXX ). The application was turned down for the exact same reason. I called the New Accounts Team asking for a manual review because it was obvious the reasons for the decline were not only inaccurate but also outdated, but the representative kept reiterating the reasons for the decline.
This matter has been going on for more than a year. I will call Experian request that a dispute be removed from my account an agent will remove the item but it reappears on my account. I contacted the collection company that Experian indicated that keeps reporting the item being disputed which the company is XXXX XXXX. I called XXXX inform them that I was not disputing anything regarding their company. I explained to the representative for XXXX XXXX that although the item that they are reporting was not mine and I responded to the letter that was sent several years ago that it was not my account. I would not be disputing the item. The item was removed by Experian but it reappeared. I contacted Experian requested that the dispute verbage be removed and it was removed but then reappear. This issue has been going on for over two years. I called in XXXX 2016 spoke with a representative again and was told that I will receive a letter stating that the dispute will be removed and the XXXX representative said that a request would be sent to the all credit reporting agencies to remove the dispute. I receive received that letter from XXXX XXXX as the representative stated. I received update credit reports from the credit reporting agencies but Experian refuses to update my credit report. I sent Experian a copy of the letter that XXXX XXXX sent to me and Experian still refuses to update my credit report. I called Experian told to several different agents and XXXX supervisors and all told me that they could not update my report even with the documentation form XXXX XXXX indicating that the item was not being disputed. I was informed that Experian did not have to report accurate information regarding the consumer credit file, and they would not be removing the XXXX XXXX dispute from my credit file even knowing that the item was not being disputed. I referenced the letter that I had from XXXX XXXX but the agents ( XXXX of them ) and XXXX-supervisors all said that they did not have to remove the dispute even having supporting documentation on file stating that the item was not being disputed. I was told several times that Experian did n't have to report that consumer information correctly.
I recently submitted a request for investigation of an unverified account, which they refused. I submitted enough information to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one.
They called XXXX times in XXXX minutes and a XXXX time XXXX minutes later. When I answered the XXXX time and tried to explain that I can not take calls of this nature during work, they attempted to keep me on the phone rather than just providing me with their contact information so that I may contact them when I am not at work. It took entirely too long to get this information from the representative on the phone.
XXXX 'XXXX client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. An account with XXXX XXXX XXXX was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXX. An official dispute of this information was submitted to XXXX XXXX fraud department XX/XX/XXXX ; however as of this date XXXX XXXX has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's Equifax credit report. In addition an official dispute of the XXXX XXXX account was submitted to Equifax ; the address associated with the fraudulent account was also reported to Equifax however, as of this morning XX/XX/XXXX, " XXXX '' a representative with Equifax confirmed with my client, XXXX XXXX the fraudulent address and XXXX XXXX information was not being removed. 
Both Equifax and XXXX XXXX are in violation of FCRA and have violated my client 's federal consumer rights.
OWR " Qualified Written Request '' I filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy was a home loan it was reaffirmed at a lesser amount than the original amount of the note. The crammed down balance of the mortgage was not petitioned by the investor to be added to the unsecured debt and was therefore discharged at the confirmation of my plan. Ever since then the investor has asked for this money on my monthly billing statements and listed it on several payoff statements. XXXX in XXXX purchased forced place insurance and created a escrow account while this property was under a Federal Stay. XXXX also violated the Debtors confirmed bankruptcy plan by paying off a tax contract that was part of the plan and trying to collect the tax though an escrow account. This investor has now cost me time and money in in excess of the amount of the mortgage just trying to defend my self and keep my home. I am notifying XXXX XXXX XXXX that I do not owe the investor any money because of damages to my company and my credit due to false reporting. I filed a complaint one year ago XXXX and was ignored and told by XXXX  we do have permission to talk to a third party meaning the CFPB. So I filed another complaint giving them permission. Now being contacted by XXXX want to collect a debt one year later REALLY. XXXX XXXX cover up
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.
I recently got a copy of my TransUnion credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified. 
As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.
I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX XXXX and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX XXXX XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
I have contacted XXXX, TransUnion and XXXX on several occassion twice in XXXX 2017 unsure of the dates but I also sent out certified mailings to each crediting reporting agency on XX/XX/17 also again on XX/XX/17 via regular mail concerning several bankruptcies on my credit report .. Case numbers.XXXX Case number XXXX and case number XXXX ( see attached ). I also sent emails to the CEO of each reporting agency, in which they had a regular rep call me in their stating to tell me that the items were verfied.. On XX/XX/17 I received and email from TransUnion Execective office wanting to know a time to call me. I advise I would on talk thrug email but they refuse to email back, but a rep named XXXX called me later that day and stated that the items were verified when I asked her for proof she told me to call the courts, that she did n't have any verfiying information also on today a rep from XXXX by the name of XXXX called me from telephone number XXXX and also say that the items were verfied I aske how and he said throug a third party I asked whou he then said there are several so After I 've explain to each them that I 've spoken to XXXX at telephone number XXXX with the Missouri Bankrupcy courts and she was unable to find any records that I had filed bankrupcy on my file because I never have. I also called the XXXX XXXX the attorney that I inquired about the information and he stated that he never released nor verfied any information to anyone not even a third party. Because of a previous idenity theft all of my accounts and third party account XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX therefore my personal information can NEVER BE VERFIED. This information is damaging my ability to purchase a home and my credit worthiness. These reps are wanting me to suboenia inaccurate information that affect my life as well as the livelyhood of my children.
the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.
Issued card with {$12000.00} limit. Tried to use card 4 different times, calling the CC Company between attempts. Issue never resolved. Ultimately returned cards and advised Synchrony to close account.
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See attached for full chronological sequence and details.
Have been disputing collection/chargeoff from XXXX XXXX XXXX who are stating the dispute is resolved and customer disagrees with the findings.
CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. Trans Union and XXXX has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response datedXX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported from XX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when Trans Union recently removed the information while XXXX had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok.XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now XXXX XXXX XXXX.
Ref Order Number : Zales Order Number : XXXX, Zales item Number : XXXX. On XXXX XXXX, 2017, I ordered a dual ruby heart ring for my wife for our 50th anniversary. The ring arrived on or about 10 days after the order was placed with Zales.com. The ring is only worn whenever my wife goes out for dinner or other special occasions. On, one of those occasions, she noticed one of the ruby hearts was missing. I contacted Zales online, via an email, if there was a warranty regarding a replacement of the ruby heart stone ; however, Zales did not respond by email but by phone and advised to take the ring to a Zales store and there was no warranty for the ring. Due to the response from Zales was via telephone, I have no way to prove what was said in the conversation. The nearest Zales store is about a 2 hour drive from my home and due to the distance is the reason I purchased the ring online. A short while later, after learning I could dispute the sale through the credit card bank that issued the card ( XXXX ) due to a flaw in the ring 's construction which permitted the stone to fall out. Consequently, I wrote a letter to XXXX XXXX with a photo of the ring attached that was taken from the Zales Online display for the ring. In the image, it shows where there are little catches on the top of the prongs that holds the stones in place ; however, the catches are not on top of the prongs of my wife 's ring and, therefore, the ring is flawed. I sent a copy of my letter to Zales of my letter to XXXX XXXX with a copy of Zales photo also attached. Over three weeks has passed since the mailing of the letter to XXXX XXXX and have not received a response to my letter via the mail, email or phone. I personally feel it is Zales responsibility to fix, send a new ring or issue a credit to my credit card and send a return authorization so I may return the ring to Zales.
In XX/XX/XXXX I received notification from XXXX that my Income-Based Reduction payment plan was expiring. When I attempted in XX/XX/XXXX to re-apply I was denied an IBR plan and the reason stated was that I no longer qualified because the loan had to be paid off. I was told that I had 10 years to pay off the loan and that I'd actually been given 17 years - thus, I'd been " paying on the loan too long. '' The new monthly payment amount was set at over {$70.00} a month, which is on top of the {$250.00} a month payment that I make to XXXX for the bulk of my remaining student loan debt. On XX/XX/XXXX I again requested some repayment option that would reduce my monthly payment. I informed XXXX at that time that my spouse had become unemployed and I was unable to make the monthly payment of $ 70+ a month. Again I was told I had " no other options '' but to make that payment and pay off the loan in full. In the process of that call, I requested to be placed on a forebearance until my husband could reestablish employment. XXXX says ( on XX/XX/XXXX ) that the call was disconnected in the process ( I was told the forebearance was in place during that call before it became disconnected ). I received another letter the following month saying my loan was past due, so I called Nelnet again on XX/XX/XXXX to request a forebearance until my husband could reestablish employment and was granted two months - I was told my next payment due would be XX/XX/XXXX. I received a letter this week, dated XX/XX/XXXX, that stated that my loan was past due. Upon calling Nelnet today ( XX/XX/XXXX ), I learned that a wrong forebearance code had been placed on my account which allowed for a " reduced forebearance payment '' of {$71.00}. I called to dispute the fact that I had a forebearance, and also stated that I was told in XXXX that my forebearance could be retroactive to when I had initially requested it in XX/XX/XXXX. Today, I was told that no retroactive process could be put in place for the XXXX payment but could be applied to the XXXX payment. When trying to dispute reporting of late/past due payments the customer service representative informed me that they were unable to dispute EITHER month 's negative reporting to the credit bureaus. No reason was given. To date, Nelnet has refused to offer me reasonable repayment options for the loan, which they bought from another servicer XXXX years ago, and have now demanded payment must be completed on. My husband and I are unable to make that monthly loan payment in addition to the monthly loan payment that we make the other servicer of my student loans and the monthly payment we make for his student loans as well. Nelnet has given me no opportunities to rectify my account, and in the process, is responsible for damaging my credit due to their errors, which they will not correct.
Greetings, While stationed overseas in XXXX, XXXX My lawyers ( XXXX XXXX and XXXX ) have sent several Letters to Navy Federal Credit Union for mis-aproptiation of insurance funds from XXXX XXXX ( over 17,000.00 ) to get my house fixed. Insteand of letteing me get my house fixed they used the money for the moratge and now thereare no funds to fix the property. We have sustained additional damage becasue of teh recent storms.
XXXX XXXX submitted documents for a loan modification via email on XX/XX/2015. Ocwen confirmed receipt of documents and stated a review had been opend. on XX/XX/2015 ocwne Stated nothing was needed. On XX/XX/2015 ocwn stated they needed a date of when hardship started. That info was given to them that same day. XXXX was called on a daily basis. Nothing was needed from them and the file was under review. On XX/XX/2015 Ocwn called and stated they would not review the file any further as the sale date was too close. They stated that there was missing info which was the date of hardship and that is why they could n't review the file. That info was given to them same day it was requested. Ocwen is refusing to assist the homeowner per XXXX XXXX and per supervisor XXXX XXXX. Ocwen is discriminating against XXXX XXXX because she is XXXX. Ocwn is discriminating against her based on her race, national origin and sex,. Ocwn needs to treat her file as any other file and properly review the file.
A message were left on my voice mail by phone number XXXX. I retrieved the message and a mail voice said " This is a call XXXX a call is required for a statement from myself or my attorney. I called the number and after multiple attempts a female answer and I gave the reference number which was left on my voice mail. The female caller were asking question to verify information, I stated I do n't know anything and refrain from calling this cell number. The person then went on to say " I will contact you through your employer and have you arrested. ''
Equifax refuses to correctly report my credit history. Equifax has deleted important credit information : My current mortgage and student loan has been deleted from my credit report, and they will not report XXXX account that was fraudulently used as closed even after I sent a copy of the letter from the creditor. What kind of investigations do they do when random things are changed without any request. This is very important to me as I am going to be buying a home soon so please help me get Equifax to conduct proper investigations and report accurately. Thank You
My account was recently involved in a breach of Scottrade Bank 's security systems. In total XXXX Million+ customers were effected. 

I have asked Scottrade numerous times to provide explanation on what data was breached, however, Scottrade refuses to respond. 

Personally, I am closing my account with Scottrade and will not trust them with any personal information again. Every time I call, I get a rude customer support agent who sends me in circles going back and forth between departments and promising to follow up at a later point in time but never accomplishing anything.