WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.
Shell Point Mortgage services this account now owned by XXXX XXXX XXXX in Delaware. 
When calling into their service # ( XXXX ) XXXX you can not pay towards your principal balance only the balance or interest payment. When I have held for their associates and attempted to pay towards my principal it does not get applied to the principal and is logged in as partial payment, XX/XX/2018 I called into pay {$270.00} but only {$240.00} was taken by the Shell Point associate, I started getting collections calls even though they state to me due to my Bankruptcy they are not collecting the debt? I called back XX/XX/2018 to pay the additional {$30.00} to find out the {$8.00} was not applied to my principal and this is not first time this has happened. I called XX/XX/18 spoke to two different Shell Point Associates who stated it was my fault and refused to transfer me to a manager. The two calls took place around XXXX XXXX CST. I was just left on hold or transfer back to hold que each time.
The company 's response is not factual. My initial agreement ( attached ) XX/XX/2011 was with XXXX XXXX, not Weltman Weinberg and Reis. As I stated, XXXX turned the account over to XXXX XXXX XXXX without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as XXXX XXXX XXXX. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from Weinberg stating that they would garnish my account if I did not send them payments. I had never heard of Weltman. I then called Weltman and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from Weltman that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to Weltman because I do not want my account to be garnished and I do not want to incur more legal fees. I want XXXX things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.
Our mortgage servicer, XXXX XXXX XXXX, sold our mortgage to Shellpoint Mortgage Servicing in XXXX 2016. We sold our house at the end of XXXX. Our title company ( XXXX XXXX here in XXXX ) paid off the exact amount owed to Shellpoint to pay off the mortgage in full. We received a letter from Shellpoint in XXXX stating we had to provide proof of homeowner 's insurance. I called Shellpoint. The rep would not identify herself. She stated that we still owed about {$1600.00} on the mortgage to consider it paid off in full. I advised that we paid off the exact amount due and she stated we still had a mortgage and had to buy homeowner 's. Shellpoint has put a derogatory comment on my credit record and will not remove it. This of course will affect my ability to buy another home, car or any other large purchase. I believe BofA did not supply full information about our loan, including the payoff amount due. I have no idea why Shellpoint says we still owe money. I did not get an answer and ca n't get anyone to talk to me about explaining this.
Suntrust made a fraudulent transfer from one of our accounts to the other, leaving us with less than {$30.00} to survive. Here 's what happened. 
A few months back I lost my job while my husband was in the midst of looking for stable employment. We had XXXX accounts with Suntrust ; XXXX fell behind while we were trying to get back on our feet. We received correspondence from Suntrust letting us know the account was behind and by how much. We went into the branch to communicate our situation with Suntrust and to freeze that account, with the understanding we would make a payment arrangement. We also asked that the Overdraft Protection be removed from both accounts. 
We were assured that this would be sufficient to prevent any withdrawals or activity in the frozen account while we get back on our feet. Last week, we noticed a " transfer '' from the active account to the frozen one. This caused our account to be overdrawn and charged the {$36.00} fee ( which was NOT supposed to be charged since they were supposed to have removed the overdraft protection ). We immediately reported it as fraud. The XXXX was credited back. It seemed that all was well. 
This week, before paying a bill, I checked our active account, and there was less than {$30.00} in it. The entire balance had been transfered to the " frozen '' account without or knowledge or permission. 
I went to the branch to speak with the manager -- she profusely apologized and gave me the number for the credit department. It seemed that none of the efforts we had made to set up a payment arrangement had been documented by any of the agents we corresponded with. When I called the credit department, I was told there was nothing they could do. Meanwhile, our rent, and car payments are behind and in serious jeopardy. This could not have happened at the worst time. 
In short, I am reporting this because Suntrust seems to have gotten so " large '' that the right hand does not know what the left hand is doing. There is no accountability.
Around the holidays of 2015, I received a postcard in the mail from citibank. The advertised promotional offer XXXX, stated that if I opened a citigold account, use the debit card to make {$1000.00} dollars in purchases and use my checking account to make XXXX qualifying bill payments, I would be rewarded XXXX XXXX XXXX Advantage XXXX. I used the online chat function to confirm the promotion was for my account and the stipulations I needed to make in order for the promotion to be valid ( please see screenshot attached of online chat ). I have since placed upwards to XXXX calls to citi confirming the offer was in fact linked to my checking account and to call back once I had finished these requirements. I have called back more times than I can count, and it seems that the staff gets just as frustrated with the situation as I do, although they have yet to credit my AAdvantage account and have sent me an email saying I do not qualify for this promotion I 'm not sure if citigroup over extended themselves with their offer, but they need to make it right. Causing a customer to call more than 10 times to have a problem resolves is absolutely absurd. They continue to tell me they 'll look into it, but never call back and do not find a resolution to the situation. The only correspondence I have received is from citi bank NOW saying I do not quality for this promotion and to provide the original postcard to them that I received nearly 10 months ago.
Describe what happened so we can understand the issue ... 
I applied for an auto loan on XX/XX/XXXX with SunTrust 's lending arm, XXXX. On XX/XX/XXXX I called XXXX after receiving a notice to contact. I provided all the information asked. I then received a notice to provide a copy of my work paystub and proof of liquid assets by the XX/XX/XXXX deadline. 

I uploaded a copy of my most recent paystub and a screenshot of my liquid assets which showed all of my accounts and proof of name/address on XX/XX/XXXX. 

I received notice on XX/XX/XXXX that XXXX would not accept the screen shot and they no longer wanted proof of only liquid assets, but liquid assets and work deposit that occurred within the last 30 days. XXXX also now wanted a copy of my XXXX from XX/XX/XXXX instead of a paystub. XXXX did not update the deadline date, instead the deadline was still listed as XX/XX/XXXX 

I do not receive my official bank statement until XX/XX/XXXX, and I 'm paid monthly, and I do not always choose to receive funds verse reinvesting into the company, so I was waiting until that date to provide an official statement as they, as I had not been given a deadline as to when these new documents must be received by. 

I 'm sympathetic to the fact that XXXX must take all necessary steps to protect itself during the loan process, however, when XXXX updated what new information they needed, they should be required to have an updated deadline for when that information is required, listing XX/XX/XXXX for when information is required on XXXX XXXX, is deceptive to the customer. On XX/XX/XXXX, I received a notice that my application for a loan had been rejected because I had not submitted the information requested by the due date ( again no deadline was given for when this information must be received ). 

I tried to contact XXXX via SunTrust Bank ( XXXX is a subsidiary of Suntrust ) for a resolution on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from XXXX XXXX in their XXXX XXXX Department who said she would look into it. On XX/XX/XXXX, I spoke with XXXX who said her XXXX had sent a letter on XX/XX/XXXX, saying too much time had gone by from the first application and that I should reapply, meaning an additional Hard Credit pull on my account. 

XXXX 's process is deceptive to the consumer, not listing updated deadlines. 
XXXX advertises on their website " Your best loan experience guaranteed or {$100.00} is yours! " However, you 'll find out upon digging deeper, they only give you the {$100.00} if you 're approved, I would say this was by far the worst loan experience I 've ever had. 

Ultimately, XXXX asked for additional information without providing a timeline for when that information was due, which is a deceptive business practice.
XXXX XXXX  is contacting all my family members and leaving messages about my debt. Called them to explain they are not to call my family as they have my phone number and address. They never left me a message but left messages on all my family 's voicemail letting them know I owed a debt.
I received a notice to attempt to collect a debt from some XXXX+ years ago in which I know I would have never gone without paying, however, I do not keep my bank records past that far to prove it. Dynamic Recovery Solutions response to that is " oh well '' this company says you owe them. 

How is it possible that a company can come to me after XXXX+ years and just say I owe them, when I have not received a single call or letter, statement, bill of any kind in all these years. Not too mention numerous occasions in which I have applied for credit and had credit reports pulled with no history of this " so called debt ''. 

I am supposed to just take their word for it and pay them??
I have been writing and disputing several accounts on my credit report since XX/XX/2016 due to me being a victim of identity theft.. Equifax refused to delete this account from my report. I provided a police report and a report from FTC and all notorized documents. I 've contacted the creditors as well and provided them reports and these accounts were deleted by the other bureaus but not from Equifax. The send the same letters back asking for my identification during each dispute which they already have on file with I believe that is to hinder my ability to have these accounts removed. I am frustrated and completely furious about how I am being mistreated. This is the same company that betrayed the consumers and refused to tell us about the breach of information so they can not be trusted in my eyes.
This loan originated in 1987 and was originally with Fifth Third Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.
Recently, Merchants & Medical started reporting a {$1100.00} balance on my XXXX credit report. Prior to this account showing up on my credit report, I never received any notice of my right to dispute. I have written Merchants & Medical asking them for a detailed explanation for this debt, but I have still yet to receive any explanation at all for this.
I had student tuition fees that had been unpaid and I got taken to court for them on XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. We negotiated the amount down to {$1400.00} being owed by me and that I would pay {$150.00} on the XX/XX/XXXX of each month for 12 months to XXXX. I called the office and set up automatic payments, Ive paid two payments of XXXX so far. I received a letter on XX/XX/XXXX from XXXX saying I was being contacted for debt collection for {$3900.00} being owed to XXXX XXXX XXXX ( the original debt amount before negotiated and settled in court ) and to call XXXX at XXXX. I do not understand why I am being contacted for a debt that has already been settled in court and Ive also made payments toward. I have the case number and documentation stating these things.
On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by XXXX XXXX. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.
I received a notification from XXXX XXXX that a negative account had been added to my credit score so I opened it up and theres a collection account that has no information on there. It is not my account nor have I ever taken out any sort of loan.
Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, Al.2015 as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to Experian and XXXX XXXX to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of  Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached.

3. Due to inaccuracies Judge dismissed the case.

4. Yes, XXXX XXXX verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.
I first applied for a loan modification and mitigation last Fall. After several attempts at getting all the required documents and information to Ditech Financial LLC, they finally informed the application was complete in XX/XX/XXXX. The mitigation is still in " research and underwriting '' as of XX/XX/XXXX. I call them twice weekly and they repeatedly tell me they will contact the supervisor or director to " escalate '' the decision. No one has given me further information or any indication of possible outcomes. I'm mailing a QWR and meeting with my lawyer next week in hopes of resolving this matter asap.
Negative reporting to my credit profile with no validity and/or authorization under FDCPA laws.
XXXX and XXXX XXXX people I do not know went to XXXX XXXX XXXX on XXXX XXXX to buy a vehicle POC : XXXX XXXX XXXX ). The dealer ship enter the wrong SS # which just happen to be mine. They ran my credit 4 times lowering my score I have contacted Equifax 3 times about this trying to get all XXXX inquires off my record and this is all I get back. ( We have reviewed the inquiry information for XXXX Banks XXXX Florida. The results are : Inquiries are a factual record of file access. We have reviewed the inquiry information for XXXX XXXX .We have reviewed the inquiry information for XXXX XXXX The results are : .We have reviewed the inquiry information for XXXX XXXX Bank Inquiries are a factual record of file access. This has nothing to do with me how do I get these XXXX inquires off my record?
I receive a letter from XXXX XXXX XXXXXXXX ( XXXX VA XXXX XXXX about a debt that I owed from XXXX XXXX XXXX of {$2700.00}. I called today XX/XX/XXXX and spoke with a collection repr. and asked if we could lower the bal as I have  an elderly parent who only receives social security and I support her. .She put me on hold and said they could reduce the balance to {$1900.00}. I said great. She asked what I could pay this month and I said {$150.00}. She asked for my routing no of my checking account. I told her I don't give out that info - I could mail in the payment or pay on their website She said that was not possible. She then asked again how much could i pay - could I pay another {$50.00} on the XXXX. I said yes. Then she said how much could I pay each month and I said {$75.00}. She came back with {$76.00}. I agreed to pay this by the XXXX of each month. Then she in her fast talking way says the balance will be the {$2700.00}. because I would not supply my checking account routing number and pay the {$200.00} today. I argued and then she puts another supversior on the phone and then another woman comes on and I went thru 4 women. I asked each one to put the {$1900.00} in writing and mail it to me - they refused.. They are all fast talkers - each tries to rewrite the payment arrangement and balance and harass me into giving my account no ... Its all on tape. I wound up hanging up. I was willing to mail the {$200.00} today and pay the {$76.00} by the XXXX of each month. THEY WANT MY CHECKING ACCOUNT NO AND DEDUCT THE PAYMENT. I WANT A BILL AND TO MAIL IT IN EACH MONTH..
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
I have made repeated attempts to cancel my Experian credit monitoring services ; on XX/XX/2018 I am currently on hold for the past 2hrs waiting for a representative to cancel this service. No representative is made available.
This company ( XXXX XXXX ) called me and left a message stating they are sending me legal documents and that I must be present with indentication to sign them and to call. XXXX. When I call that phone number and gave them case number XXXX they stated I owed Western sky {$9000.00} and that they were calling to collect. I stated to them that I had contacted the attorney generals office almost more than a year ago and per the Indiana attorney generals office they were legally not allowed to be collecting any monies from me as they were not licensed in Indiana. On top of that Western Sky has already collected more than the loan balance and technically they owed me everything that was collected from my as they were never licensed.
I test drove a truck and while I was gone XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ran many credit checks without my knowledge to many creditors. XXXX has corrected this error but TransUnion and possible other credit bureaus have not as of this date corrected the inaccurate information. Upon returning with the truck the salesperson pressured us with a guarantee of a loan and at this time we did not realize our credit had been checked by so many creditors already. The points against our credit has hurt us several times. Those include - all for the date of 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 ( 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. I would like to clear this up with all credit bureaus even though I understand this should fall off in XX/XX/XXXX I have been fighting this for almost a year. I appreciate all help you can render. Have a wonderful day. XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX