WillisBack/dataset-financial-user-claim huggingface dataset:
Previous Complaint Number XXXX - was closed due to Synchrony Bank responding. 

Update : On XX/XX/XXXX, I missed a call from XXXX XXXX. I returned her call within an hour and left a message. I continued to call her for the next several days, always leaving a message. I received a letter stating Synchrony bank admitted the mistake and was going to take actions to correct it. I sent the letter to my lender to order a rapid re-score. They declined the request due to the letter not meeting the requirements of the credit bureaus. They are requesting a revised letter that does not have future tense verbiage. They'd like a copy of the request sent to the credit bureaus. 

I called XXXX XXXX today and left her another message. I also went on-line and gave a report on the previous case number. I am in escrow to buy two properties and need to have this resolves asap. 

Previous Complaint : On XX/XX/XXXX, I applied for a mortgage and if this is not resolved, I will be declined due to an account misreporting on my credit report. Late last year, XX/XX/XXXX or XX/XX/XXXX, I paid off a XXXX charge card in full by contacting the creditor directly and making a payment with their representative. During this time, I had also purchased a new home and moved to a new address. I confirmed during over an hour long string of conversations with Synchrony Bank ( XXXX change card service provider ) that the creditor had received a XXXX XXXX return and that they never updated my account with the correct address to properly notify me of an amount due. I was never contacted via telephone or mail that there was a balance/charge on this account. The charge appears to be an annual service fee or some known charge based on the credit report I was able to review with my mortgage broker. My broker and I conferenced called the creditor at the number provided by the credit report : XXXX XXXX XXXX. We were then transferred and disconnected to another department XXXX. We were on the phone for over an hour, transferred to several representatives that continued to say sorry for their mistake, but could not resolve the issue. Then we were told to call the account resolution department at XXXX. This department then informed us that they no longer have access to the account and that we need to call XXXX XXXX at XXXX. The following morning, I called XXXX credit and was told it takes three days to " unlock '' the account so they can speak to me about it. Today, I called XXXX credit and they confirmed they purchased the account on XX/XX/XXXX. They gave me a balance of {$57.00}, which I have decided to pay immediately as to not further damage my credit. 
XXXX credit is not currently reporting the account as of the report pulled on XX/XX/XXXX.
Allied Collections has been reporting inaccurate account information for years. The original outstanding amount was {$50.00}. Allied Collections has reported the collection amount of {$160.00}. In addition, I was not aware that I had an outstanding account bc I have n't received any notice of this amount being owed. Contacted the original service provider, XXXX on XX/XX/2015. Spoke with XXXX in the billing department. She informed me that the balance due was {$50.00} not {$160.00} which was paid in full. Two weeks earlier, Allied Collections, I provided my credit card information to pay the balance of {$160.00}. The account specialist was to email me a receipt which I never received. Not maintaining appropriate account information appears to be habitual in this industry. I would like a refund in the amount of {$160.00} in addition to all negative remarks and removal of this account from all credit bureaus.
I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of ace cash express .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX   inquires XX/XX/XXXXace cash express XX/XX/XXXX XXXX XXXX XX/XX/XXXXloan by XXXX   XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXXace cash express XX/XX/XXXX ace cash express
I have received absolutely abysmal service from MyFedLoan Servicing. They botched my consolidation process, they overcharged my interest rates, they provide completely inaccurate information from person to person, and they also have botched my recertification for income based repayment plans -- sending me notices to pay astronomical amounts when I have proof that I filed the appropriate paperwork 3 months prior. They are a nightmare.
I was incarcerated for four months ... at which point. I was having Idaho state insurance fund direct deposit checks for workers comp.. this was XXXX to XXXX my bank account was being spent via my debit card .. when I got out I found my account to have insuficiant funds .. I filed a fraud claim and verified my imprisonment and tried to get the money back and was denied most of it ... I have bank statements,,, and would like help getting the money and any applicable interest ... about XXXX dollars and 18 months time so far I figure 21 % interest is sufficient
I was in XXXX ( for something that happened during an acknowledged XXXX ) and my son was taken to the doctors months into my XXXX. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.
I have repeatedly requested that Account Resolution Corporation provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.
XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with portfolio recovery to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.
Hello to whom this may concern, My name is XXXX XXXX and my husband XXXX XXXX XXXX passed away in 2012 leaving me with a Discover card debt. I recently started a refinance and found that I had a lien on my title from Discover. I contacted Discovered and settled for less than was owed and I paid off the account. They were supposed to issue a release for the lien on my title and they have not. They keep telling me that the attorney needs to sign off as well as Discover. I paid them 3 weeks ago and am still getting the run around. I need the lien to be released already because it is holding up my current transaction for re finance. Please Help, Thank you
I paid my mortgage in full to Capital Mortgage 3 months ago. I have called 4 times for the satisfaction of mortgage to be sent to me, and all they can tell me is I am " in-active. '' They are telling me they do n't have the deed, and I wo n't get anything proving I paid the mortgage. My mortgage was sold several times over the years, so I am not sure what happened with the paperwork. I last spoke to XXXX at XXXX, ext XXXX on XXXX. XXXX. All she could tell me is that loan is in-active, and my prior conversation with XXXX told me XXXX was the person in charge of sending the satisfactions out.
XXXX County Texas case number ( XXXX ) was dismissed and not a Conviction. Sterling has verified this with the courts as well and only removed it from XXXX XXXX XXXX  background check only. This case is also past 7 years old I am requesting that it be Completely removed from my background all together in case any other company run a background check for employment. Please see documentation from Sterling. 

Also XXXX County Texas case number XXXX should not be showing up on my background check either because it is past 7 years old. The document from Sterling say the filed date is XX/XX/XXXX in which that is incorrect. The filed date is XX/XX/XXXX in which it is past 7 years as of XX/XX/XXXX. I am requesting that this be removed completely from my background check all together not just only Sterling background check but whomever try to run a background check on me for employment. I have attached documentation for both. Per Sterling pre employment background check stated that it will go back within the past 7 years. So 7 years from XX/XX/XXXXwould be XXXX. Please see attached
XXXX XXXX of XXXX County charged me late fees that ran up to {$180.00} after the loanw as paid off, it is now reporting on my credit. I only ahd {$20.00} in fees left I paid off all three loans. I want this off of my credit, the loanw as paid off in full.
This debt has been charged off and account closed. I have asked for validation of this debt and not received it.
Chase Card continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my XXXX XXXX credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL Chase Card inquiries from my XXXX XXXX credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED IMMEDIATELY.
I placed a dispute with Transunion requesting that a XXXX  negative item be removed from my credit report due to the first day of delinquency had exceeded 7 years. 
Transuion did not remove XXXX negative item despite the FDOD being longer than 7 years. 
Transunion investigated the dates of the MOST RECENT transactions instead. 
Transunion said the most recent transaction were correct so they were not going to update my credit file. 

My dispute was not about the most recent transactions dates - it was about the oldest transaction dates with exceeded years. 
Transunion removed the older dates from my credit report - having it appear as if the 7 years had not been reached. 

Since I am making this complaint there is another item - A XXXX XXXX debt that has also passed the 7 year DOFD. 
I want transunion to follow the law & update my credit report with the removal of FDOD items. 

I placed the same dispute with XXXX  - they removed both items that were beyond the FDOD reporting window. 
I placed the same dispute with XXXX - XXXX also didn't investigate the FDOD - they confirmed the dates of the MOST RECENT activity - exactly as Transunion has done.
hello, I send money from Walmart using money gram, international transfer to XXXX, bank deposit, the receiver never got the money. I call every day to money gram to find out why the money was not deliver, the answer is please wait 24-48 hours we will investigate and we will call you back, the never did, I call again asking for refund, and again please wait 24/48 the say, with no answer where is the money? today I call again and the did n't want to transfer me to escalating department the just told me to wait for the answer .but is 2 weeks since I send the transfer, and the ignoring me over and over the have no answer!!! please help,
I was informed by Second Round LP that my alleged account with them was sold to   XXXX   XXXX   XXXX   even though Second Round 's claim against was dismissed in court. I have called and left several voice mails with   XXXX   XXXX   XXXX   to discuss this matter and no one answers the phone or returns my calls.   XXXX   XXXX   XXXX   does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by   XXXX   XXXX   XXXX   to be ceased immediately.
During my bankruptcy period, my mortgage company did not itemize my mortgage payments. I was told it can only be done after I am discharged from bankruptcy. Nearly four months since my discharge, Ditech is yet to itemize my mortgage payments into interest & principal. I have called as many as six times ; attempted to even talk to a supervisor to no avail. I have been informed no supervisor is available. The customer reps. have apologized for the problem ; promised twice it would be taken care but still unresolved.
On XX/XX/XXXX, my roommate, XXXX XXXX XXXX, and I moved into an apartment together at XXXX XXXX XXXX  in XXXX XXXX, XXXX. I was only XXXX years old and my father had just passed away two weeks previous. My mother lived in XXXX  at the time. After I had been in this apartment for a while, I became rather depressed and wanted to go move in with my mother. XXXX and I inquired at the leasing office about taking me off the lease. They were agreeable to it and on XX/XX/XXXX we both signed to remove me from the lease and I left for XXXX shortly after that. I didn't keep in touch with XXXX XXXX after leaving XXXX but about XX/XX/XXXX I discovered I was included in the issues that the apartment complex had with XXXX XXXX that involved non-payment of rent, and an unapproved pet, and eventual eviction. 

None of these things happened while I was on the lease and living in that apartment. Yet, when the debt got turned over to a collection agency they included me in the complaint. This is not my debt and I am attaching two documents proving that I was in fact removed from the lease and that I left XXXX shortly after being taken off the lease via my plane ticket purchase from XXXX. 

I have contacted the apartment complex multiple times, and tried talking to the collection agency they turned it over to ( Advanced Collection Bur ). The collection agency insists with XXXX that this is in fact my debt even though I submitted evidence to the contrary. I don't understand why proof that I was removed from the lease is not enough for XXXX to take it off my credit history. I am also having the SAME problem with XXXX and XXXX. Every time I dispute it, Advanced Collection Bur comes back and claims it is valid, but they have no proof to back this up. I have proof it is invalid. How are they allowed to do this to me?
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX Attention dispute department : M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a  notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have received several harrassing phone calls from National Credit Adjusters on behalf of balance credit and the people I spoke to were extremely rude. I requested for them to send me a letter via mail or email to verify the account or amount of money, with complete breakdown of the loan balance amount. They refused to do so stating they 've done so in the past and will no longer send me anything to verify the debt. The person I spoke with tried to coerce me into a payment or payment arrangement of a loan that has not been verified.
On XX/XX/XXXX I sent a dispute letter to Equifax regarding XXXX and XXXX. The Bureau received my dispute on XX/XX/XXXX and was verified by the US postal service. The bureau failed to respond to my dispute within 30days and they were unable to verify the collection accounts as required by the FCRA. the Fair Credit Reporting Act, 15 U.S.C. 
I asked the credit bureau to send me any documentation they had on file verifying that these accounts belong to me. I have no knowledge of these accounts. On XX/XX/XXXX, I contacted Equifax for and spoke with XXXX ID XXXX Supervisor of the dispute department. She told me that Equifax did not collect or retain documentation of the information they received to verify that the debt belong to me. The collection agencies wanted me to call to verify. These items should be removed and Equifax should be fined for reporting inaccurate information and not properly documenting account. 

Credit reporting have a duty to verify and report accurate information. These account should be deleted immediately per the letter I sent on XX/XX/XXXX. Equifax has not responded in a timely manner and can not prove that the debts are mine.
I recently filed a dispute with XXXX because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.
In XXXX I applied for a HELOC in the amount of {$80000.00} and was approved. In XXXX I requested an increase to {$180000.00} and was again approved based upon an appraised value of {$500000.00} on my home. Instead of increasing the LOC, they created a new LOC as requested, they created a separate LOC in a XXXX subordinate position, so I now had XXXX HELOCs. There was already a 1st mortgage in place of {$300000.00} with another bank. When the recession hit in XXXX, my home dropped in value to {$320000.00} and has not fully recovered. In the past 4 years I have tried to get a modification on XXXX Lines, went through intensive documentation requirements and was turned down without recourse each time, most recently this summer. Even my " Customer Relationship Manager '', XXXX XXXX, said I should be able to get this modification because " these types of loans are terrible. No one can afford to pay them down when they increase your payments by 3Xs. '' I am currently making about 25 % more income than I did when I was granted the loan, but the original loans were not based upon my ability to pay both principal AND interest, only interest. The first LOC went to term last year and the payments increased from $ XXXX/month to $ XXXX/month. Two months ago, the 2nd LOC went to term and the payments increase from $ XXXX/month to $ XXXX/month. The bank has not worked in good faith to try and remedy this situation which has developed on a loan that should not have been granted in the first place. I can not refinance due to the lack of equity. I owe slightly more than the value of the house. Selling presents a similar problem. From their website, they claim, " The goal of a home equity loan modification is to help you with a financial hardship. Depending on your current financial situation, you may qualify for a modification of your term, interest rate or monthly payments, or a combination of XXXX or more of these loan provisions. You may be eligible for Bank of America Home Equity Assistance if : Your home equity account has been open for at least XXXX months You have n't received home equity assistance once in the past 12 months, or twice in the past five years You 're experiencing a financial hardship, such as reduced income or divorce If you 're not eligible, you may still have options. You may qualify for other forms of home equity assistance, including : Repayment plans of up to 12 months to help you catch up on past due payments Payment extensions of XXXX to three months '' None of this has proven to be true. Please help. 



You 're able to repay the loan
I called the 3 major credit bureau to dispute a series of inquires that were all reported on the same day. I called the bureaus and they said they were not able to help me and I needed to call each of the people that were reporting the inquiry. When I contacted each of the companies they some of them told me they were not able to pull up my information and that I needed to speak with the credit card bureau. And the rest of them said that I needed to submit a dispute with the credit bureau 's. 

All are reported on XX/XX/17 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
Citizens Bank monthly maintenance fee completely drained my account. This account had no activity for over a year. Had to make a overdrawn account payment to close the account. 
I recognize that the management of this account is my responsibility and obviously should have withdrawn the funds from the account. I also should not have signed up for paperless account statements. With paper statements I would have probably recognized the stupidity of not closing the account.