WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mark on my credit score from XXXX different companies ( HARRIS & HARRIS, LTD, and XXXX ) about the same debt. My credit score says that the debt was reported by XXXX XXXX but when I tried to contact all of the possible medical practices that I have been to in the past 2 years, none of them had any record of me owing a debt. I can not find any legitimate information about the XXXX different debt collection agencies to be able to email them and contact them myself. I would just like to pay any debt that I potentially have, or get the mark removed from my credit score if it is a mistake/scam.
I have ha d   XXXX   HE LOC loans on  XXXX  different pieces of property that I was only paying interest only on. At the end of the term I was sent forms for assistance in loan modification. I began this process in   XXXX   XXXX   XXXX   XXXX   XXXX    ,  one yea r ago. I have gone to my branch and faxed over  500 pages  of documentation that was requested. Then every month after that I have resubmitted the information because it was " lost '' or sent to the wrong place. With the last call I was told that this should be it and they would let me know the status. I got a letter today saying that they are still missing information and I should call immediately to find out what they are missing now. When I called I was told that I did n't have any missing information but that I had to start all over. I off course was livid. The lady in charge of my account blamed the system for loosing things but that she could now see everything and the underwriter should be able to also and that she would be checking back with me if any problems. I have not heard anything for a month or so and thought things were progressing properly, until the letter today which states that I am still missing something and need to call them which I did. I started this call at  XXXX  and it is now  XXXX  and I 'm still on hold. Please give me some help.
in referenc e to [ Case nu mber :  XXXX   ] US Bank Home  Mortgage response, they sent home loan history but they shrunk the font so small it 's unreadable from start of loan  XXXX  through  XXXX . Then they increased font to a readable font size when they sent  XXXX , but they did not include loan information up to date of all payments before and during chapter  XXXX  showing every payment applied from consumer and court deducting every amount and showing principal balance after each payment applied.     Also, we are paying a mortgage loan to  US Bank Home Mortgage and they are refusing to report our mortgage payments to the credit bureau, therefore we can not get a accurate credit report showing payments to a financial institution, such as US Bank Home Mortgage for loan information.
XXXX XXXX XXXX has sued me for a XXXX XXXXXXXX XXXX credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX Business address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that Javitch have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. Javitch will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.
TransUnion is reporting my account with XXXX XXXX XXXX as 30 days past due even though they show the account has a {$0.00} balance and {$0.00} past due. This is hurting my credit score. I have submitted my own investigation but they did noting to correct this.
I applied for the American Express Delta Gold Card. The offer they were and still is advertising is, spend one thousand dollars and receive XXXX XXXX bonus sky miles. I have video and screen shots of this offer, both date and time stamped. 

I applied for the card, and upon receiving it and using it, my mother began to tell me she was having issues getting her bonus miles, as she applied under the same offer. 

I called and spoke to a representative, who informed me that the offer advertised was not the offer associated with my card. A couple of days later I called and canceled the card, due to American Express not wanting to uphold their end of the deal in regards to the advertisement. 

I am refusing to make a payment until American Express is fair to me.
I took out a short-term payday loan for XXXX. I committed myself to paying the loan off in a month or two. I called Wilshire Consumer Credit to find out what amount I owed in order to pay-off the loan in full. The representative told me, " based on your recent payments, you only owe XXXX. '' I sent the company a payment for the full amount thinking that I had satisfied my debt. Several months went by and Wilshire continued to send me monthly statements. On these statements where the section " amount due '' appeared, the amount was XXXX. After three months of getting the same statements, I received a statement that said I owed XXXX. Irate, I called the company to get answers. the customer service representative said that I was given the wrong amount to settle the debt. I was given the wrong amount by XXXX! I learned that over the few months I thought my account was paid in full, they were charging me a monthly interest rate of 170.99 %. Now they say I owe XXXX! But the bill says I only owe the XXXX. I refused to pay anything outside of this amount. Wilshire Consumer Credit said they would settle for XXXX. I find this treatment and billing unacceptable. It is so disrespectful to consumers like me that I am reviewing my account with a lawyer to fight this company in court. Predatory lending at its WORST!
I am a realtor and have a property under contract with a buyer and seller. The buyer is using Wells Fargo as their lender and had an appraisal done. The original appraisal came in a little bit over the purchase price and everyone moved forward with the transaction. Then a week and half later Wells Fargo told the buyers that there was an issue with the value. They said the appraiser revised the appraisal down by {$14000.00}. The appraiser returned a call I had made to understand what the process was with the revision and he told me the underwriter had 'pounded and pounded him ' he reviewed his original appraisal and said he made a mistake and agreed with the underwriter and adjusted the value.
There is an unknown item that appeared on my credit file that is brand new reporting for {$270.00}. I have no idea what this is and want it removed.
I have been a victim of their inquiry issue from Trans Union, the Trans Union customer service does not provide help and dismantle customers. 
This is the worst experience I have experienced. After the call, I feel Trans Union are retaliated the customer, and added another hard pull to my credit report. The score was reduced by 7 points.Trans Union are illegal ( by section 6-11 ) add XX/XX/XXXX inquires back to my report on XX/XX/XXXX, after the phone call with there customer, make me became Trans Union victim of their inquiry issue again.By section 6-11, they are illegal do that, and they are add 7 unauthorized inquiry to my account since two month ago. all the unauthorized hard inquiries from my report should remove.
For several months, bills from Universal American Mortgage Co., LLC have been delivered to the attention of the deceased prior owner of a condo I purchased in foreclosure from XXXX XXXX in XXXX 2015. Today XXXX addressed to me arrived, claiming I owed a balance of {$7100.00}. Contact with the company revealed that they had no documentation supporting their supposed " deed loan ''. My review of the closing documents failed to reveal any disclosure of such a loan. I have no intention of paying this loan and am concerned that my credit record will be affected negatively.
I signed up for  XXXX   XXXX   XXXX  tv/internet then a week later got a job offer in another city where I now live, so I cancelled the  XXXX   XXXX   XXXX  service within the first month period.  XXXX   XXXX   XXXX  had a 1 month trial where it is free if you cancel in the first month ... Even though they claim its a free trial the terms require a {$50.00} " fee '' for the services in which I was happy to pay because I received service for the month. Not sure why they are claiming I owe {$100.00} or what it 's even for. I returned all my equipment and called them and was told I was all set ... This is a  XXXX  " bully the little guy '' in hopes the little guy pays instead of spending $ in the wasted time refuting the charge.  XXXX  did the same  XXXX  thing to me when I left them due to being overcharged every month .... The  XXXX  debt collection was removed from my credit report a little while back because they have no basis for a judgement, just like  XXXX   XXXX   XXXX .
Portfolio Recovery Services LLC, placed a collections on my account. I submitted a dispute via XXXX and XXXX. The collections was removed on XX/XX/2016, on the same day, Portfolio Recovery Services LLC placed the collections back on my credit report listing it as a new collections. This caused my credit score to drop.
There are accounts found on my credit report that I would like to dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of these accounts and they should be investigated
XXXX, Experian and XXXX failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.
Seneca Mortgage Servicing has misappropriated {$3200.00} from the escrow account attached to my home mortgage. On XX/XX/2015 they took a scheduled withdrawal of that amount to pay the scheduled property tax installment, which was indeed recorded as paid a week later on the county website. 22 days later, on XX/XX/XXXX, XXXX took another withdrawal of the same amount, creating an escrow deficit of XXXX. They have told me on the phone that this withdrawal was not sent to the tax agency but remains in Seneca 's control. It is easy to see the second withdrawal from my account on the attached activity listing from my mortgage account with them. When I demanded that they return the unauthorized withdrawal to my account immediately the replied that it would take two months tho " investigate '' the matter. It does n't take a genius to look at the statement of activity and see the duplicated withdrawal. Two months of " investigation '' time amounts to theft of my property with no promise of returning it. Since I am closing a refinance today I am forced to pay XXXX extra to pay off the existing mortgage, to cover the funds that were improperly withdrawn by Seneca. 
They are : Seneca Mortgage Servicing LLC XXXX XXXX
My information was breached from Equifax without my consent, impacting my credit and allowing others access to my identity
Rent Debt LLc has been after me since XX/XX/XXXX but never disclosed that I was allowed to dispute. I did contact the company through mail twice but no response has been received as asked to verify that I have a contract with their company. I know many creditors send a spread sheet I am requesting a contract I signed with Rent Debt. I also called on XX/XX/XXXX to verify if the statue of limitations passed which they have XX/XX/XXXX and the date of the last payment. The company declined to answer those questions but did disclose I promised to pay in XX/XX/XXXX. I feel as a consumer these type of practices are unethical and wrong in general.
I tried to dispute and resolve the debt with mcm in XX/XX/2017 but till now no one called me to resolve and no notification received
I submitted a claim with the cfpb in XXXX ( case # XXXX related to case # XXXX ) where I asked ECMC in writing to cease all phone calls to me at both my work and my cell. Their response on the explanation of closure is " Nevertheless, ECMC has honored your request and placed your account into a do not call status. '' Yesterday XXXX/XXXX/15 at XXXX XXXX contacted me in an attempt to collect on this debt. Then she informed me that no automated computer or recording would ever be contacting me. Today XXXX/XXXX/15 at XXXX XXXX called me and it was a computer/automated call. Then again at XXXX this same day XXXX/XXXX/2015 another call to me was made from ECMC from XXXX. So they are not doing what they promised cfpb, nor me. This case is pending a hearing and I need EVERYTHING in writing either via email or letter. And I need them to cease the calls immediately.
I am still awiting answers to my past letters. Today a Statement has come by mail stating I have a modification plan. I have not sent any documents, I have not signed any docment requesting any modification of what?
Health Insurance Claim submitted on XX/XX/XXXXfor XXXX XXXX. Insurance received 2 claims for that day, both under billing for XXXX 1st ) Amount paid was {$91.00} 2nd ) Amount paid was {$50.00}. Total paid was {$140.00}. No CoPay charges. Collection agency claims creditor ( XXXX XXXX - XXXX XXXX ) submitted claim for {$71.00} and my Insurance paid {$61.00} and the {$10.00} difference was a CoPay. Insurance has no record of any claims for that creditor, and I had no copay deductible for that period. This claim is fraudulent or incorrect by the creditor.
I bought my house in XX/XX/XXXX for {$82000.00}, refinanced to lock in a fixed interest rate in XX/XX/XXXX. Was defrauded. Falsified documents filed. XXXX payment allegedly missed, but I was not notified until almost FOUR YEARS later, by then I had a lot of late fees. I did a " quick and easy loan modification, that put my home into foreclosure, even though XXXX indicated that they were ONLY moving the payment to the end of the loan. They said they were required to revert my loan back to 30 years AGAIN, even though they assured me this would not happen. Then, XXXX went under, Loan went to Countrywide and XXXX delinquent payment showed up again. Another loan modification, another 30 year term. The ONLY payments I have EVER missed are the ones I was REQUIRED to miss to qualify for the loan mod. As it stands now, I have lived in my home 17 years and owe {$4500.00} more than I did at the beginning, I have lost almost {$160000.00} in payments, AND my loan term is now 44 YEARS. 

How can this be correct? Bank of America who now owns my mortgage was just fined almost {$17.00} XXXX dollars for fraud. I am wondering WHY what they did to me does n't qualify as fraud? 

Please advise. 



XXXX XXXX XXXX XXXX, Tx. XXXXXXXXBank of American Loan : XXXXXXXXXXXX
On XX/XX/XXXX I received a message on XXXX from XXXX XXXX, XXXX Staffing ( P : XXXX / XXXX : XXXX ) about a part-time opportunity and if I had an interest to submit my application via the link that she provided which opened up to an application via XXXX XXXX and had a contact number of XXXX XXXX XXXX XXXX. I signed up after reviewing the XXXX XXXX opportunity and I sent her a reply letting her know and thanking her. On XX/XX/XXXX I received an acceptance response to my application from XXXX XXXX, Recuiting Dept|Mystery Shopping at XXXX ( XXXX ). I accepted the employment opportunity on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX notified me of my first survey assignment and said a check would be coming to me and provided instructions. I completed the survey assignment and sent in the feedback form and purchased the gifts cards from XXXX for what I believed would be for a XXXX XXXX XXXX project. I sent him proof of purchase of the gift cards as he requested. The next day after he informed me of my proper management of the assignment he send he a request to get a {$10.00} bank cashiers check that I should make payable to myself and send him a copy of the check. I found that strange and so I did some additional digging around to see if my suspicion was correct. I sent emails via XXXX XXXX to employees at XXXX XXXX and I went on XXXX XXXX website and submitted an inquiry. I received a reply message from XXXX XXXX, Senior Sales Consutant ( P : XXXX ) at XXXX XXXX letting me know that I had been defrauded. XXXX looped in XXXX XXXX, XXXX Lead at XXXX XXXX and she contacted me to let me know what has been going on and that the number of incidents have dramatically increased in the past month. The bank was closed for XXXX XXXX so I had to wait until the next morning to go into a branch. I alerted my bank, CapitalOne, first thing in the morning. The had not flagged the check. They locked my accounts and my mothers accounts because my name is on her accounts. I am doing everything I can do to move this investigation along and the bank is not being responsive. I have not even spoken to the investigator as yet The bank wants to hold me liable and end my banking relationship without having investigated and review all the documents I have provided, also attached. I don't have the means to shoulder this lost. My account clearly shows that. I had this account for almost 20 years. I have been to the police station 3 times at the various directions of the bank security agents that I have spoken with, I made calls to the company that is being used in this fraud, I have filed a case with the FTC and XXXX XXXX XXXX, I have reached out to XXXX XXXX and submitted a case so that they can start an investigation. I am doing everything I can. I need your help, please. I feel as though I am being victimized twice.
XXXX the lawyer or Action collection levied my bank account five months ago. These monies have still not posted to my account. XXXX office said the monies are with XXXX investigation and they say the monies are with action collection. It has been five months sense the took my money from my bank account, XXXX number is XXXX Action collection number is XXXX XXXX investigation number is XXXX
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XX/XX/2018 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
I wanted to file a complaint and claim against Bank of America. On XXXX/XXXX/XXXX, i went to the Bank of America ATM at XXXX NJ Lobby ( ATM number is XXXX ) to make a payment for my Bank of America credit card. I insert XXXX bill of XXXX but the machine only took XXXX and return the other and told me to try again. I put in the other XXXX bill but it returned XXXX bill back and tell me to try again. Then the system just got stuck and printed a slip out saying " We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ) ''. It never returned my {$1400.00} that i put in. A person at the bank told me not to worry and help me called a number to file a claim. So i called the number that the slip told me to. I was transferred to one person to another and finally some help me filed a  claim. They investigated the case and told me they cant locate the money and say the machine may of have spit the money out after i left. i questioned the investigation but they wont give me a straight answer to what they did to proof that i didnt make the payment on the credit card. These were some of the question i was going to ask. 

1. ATM printed a slip to me that say " We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ) ''. but they say the ATM spit the money out maybe after i left. There should be footage of it showing the ATM spiting the money out or ATM transaction of when it did. If the ATM did spit the money out after i left, i shouldnt be responsible for it. 
2. ATM machine should records any and all transactions through the network. So if i entered my card and pin, they would know at what time i did, and what transaction i was conducting.

3. ATM video footage, the ATM video footage should show me making payment at the ATM, the time and date are on the slip that the ATM printed out saying the error transaction. How could a bank this big not have a camera pointing at the ATM showing me doing the transaction.

4. shouldnt there be an error code that was set when my transaction failed?

5. shouldnt there be logs on the ATM and at the central host receiving the transactions. They should be able to see what happened during that transaction and i have proof of the slip that say i was doing the transaction.

6. If they know something went wrong with the ATM, they should of stop people from using it and solve the problem right away and not tell me to no worry and that they will find the money. Now they are saying the machine may have spit the money out after i left, I cant believe a bank this big, wont be able to locate this big of a money that went missing. This is very frustrating and it have been almost XXXX month and they still cant solve this problem or locate the money.
There is a credit enquiry from XXXX that I did not initiate and that the credit reporting agency refuses to remove
HAMP Modification loan has been permanently modified ... yet still getting calls that i am late ... 

online website to pay does not reflect new payment and that I am behind in payments Customer service has been a nightmare and no help
I started a new job on XX/XX/XXXX. I received my 1st paycheck from them on XX/XX/XXXX. Since CitiBank wouldn't verify my acct belonged to me. XXXX had to cut me a live check ( paper check ). I received the check via snail mail on XX/XX/XXXX, in which I deposited in the ATM. The net pay was {$1600.00}. After depositing the check I saw that none of the funds weren't available so I tried to cancel the ATM deposit. The check was cut from XXXX XXXX I was just going to cash it at a Branch on Sunday XX/XX/XXXX. The ATM wouldn't return the check. Which what brings me to CFPB. 

I called CitiBank at around XXXX XXXX CST and spoke with a XXXX ( Supervisor ) Employee ID XXXX contact number XXXX. I explained that I've been a customer of CitiBank since XXXX and that I never had this issue and I needed the funds to be available within the next day. Being as XXXX in 1 week away. She was very nasty, unemphatic, and sarcastic. Basically, she stated that she will not release the funds no sooner than 3 days. I asked her on what basis do they base it on. She stated a multiple of things. I said like what she stated NSFs and negative balances. I stated sweetie I haven't had an NSF or negative balance. I explained that this acct ending in # XXXX was open in XXXX due to Citibank 's error. I told her that the NSFs on that acct is because of them. She disregarded that. I asked her to speak to her supervisor. At 1st she refused then stated that he's on another call. When I threaten to file a complaint on her she basically was very nonchalant. I asked her to verify the funds with XXXX and she stated she couldn't but the branch I deposited to could. I have a banking background the only department that can verify the funds us back office. 

Please review the screenshots that are attached. Clearly, it's a payroll check. Offer letter attached along with the actual check stub and it says my bank acct is still pending. Had CitiBank verification department verified within 2 weeks I wouldn't even be going through this, because I would've had a direct deposit. 

This bank is full of it I believe they notated something on my acct because I reported them to you guys before.