WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has turned me over to a debt collector ( Convergent ) for equipment charges from when we lived in XXXX. We moved from XXXX to XXXX at the end of XXXX, XX/XX/XXXX and have not heard anything from them until we got a letter from Convergent on XXXX XXXX, XX/XX/XXXX. Our mail was forwarded for a year after moving and we had been on paperless billing and auto bank withdrawal for our monthly charges. We never received a bill in the mail and never got any emails from XXXX after moving. 

After 2 weeks of trying to resolve this with XXXX, they say we owe {$130.00} for equipment that they say we did not return. Before we moved, we DID return our equipment and had a receipt which we had kept until approximately the beginning of XX/XX/XXXX. We have since destroyed all paperwork from XXXX assuming that all was well since we had never heard anything from them during that time. XXXX says that they will remove the charge when we produce the receipt.We HAD a receipt we could have given them if they had contacted us within a year or so of moving. 

We did all of our own packing for the move so the items could not have been packed by accident by movers. We were moving out of state and had no use for their equipment. If we had been contacted in a timely fashion by XXXX, we could have proved our case. Waiting almost 3 years to finally contact us via a debt collector is not fair to us as we can not prove that we returned the equipment at this point in time. We do NOT owe XXXX {$130.00} for equipment that we already returned to the company. 

We have contacted the Attorney General 's office in both XXXX and XXXX. XXXX said it was not their problem since it occurred in XXXX and I should contact them. I was only able to leave a message with an attorney at the XXXX AG office and he has never returned my call. Surely some kind of statue of limitation exist regarding how long I 'm expected to keep a receipt from a cable company
I have tried numerous times over the past several months disputing inquiries with credit bureau for inquiries I did not apply for a job or was granted a line of credit with companies who pulled a credit report inquiry. I have also mailed each company directly several times over the past several months and am not getting responses Below is a list of unknown and unauthorized inquiries. 
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 A XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX EQUIFAX MORTGAGE SER XXXX/XXXX/XXXX
I have been in repayment for 10 years since graduating in XX/XX/XXXX. I work at a non-profit organization for the past 8 years. I logged onto Navient website last month as a frequently do and a form poped up for student loan forgiveness. I filled out the form and turned it in. I recently got a letter from my fed loan that I did not qualify for loan forgiveness because the federal program my loans are through has been discontinued. I was not informed to be eligible for loan forgiveness I needed to consolidate to the XXXX XXXX direct loan program. The last 8 years of loan payments will not go towards loan forgiveness. I was told I can consolidate now but that would put me 10 years away from loan forgiveness, but if I was informed properly it would only be 2 years.
XXXX requested a copy of my credit report on XXXX but I did not apply for anything through them ( or anyone else ). It caused my credit to drop XXXX points.
As a result of hurricane Harvey in XXXX of XXXX my home was flooded. I received a FEMA check of {$93000.00} made payable to me and XXXX XXXX company. My home repairs were 100 % completed in XXXX, XXXX. XXXXXXXX XXXX home inspector approved the repairs. XXXX 's financial interest is secured and I am entitled to the return of my insurance settlement. After months of delays the Loss Draft department finally approved the disbursement of my funds on XX/XX/XXXX. On XX/XX/XXXX they rejected my claim, again. The reason given was that the amount of my insurance check is " too big '' and they were going to " delay '' disbursing my funds until the Loss Draft manager can do another " review ''. 
Trying to reason with the people at XXXXXXXX XXXX Loss Draft has been frustrating and unproductive. I need assistance in recovering my insurance settlement. I am also filing complaints with other state and federal agencies.
This is a fraudulent account. Ive never had XXXX service nor a XXXX phone. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with SOURCE RECEIVABLES MANAGEMENT several times to no avail. SOURCE RECEIVABLES MANAGEMENT refuses to provide me with the documentation Ive demanded them to provide me with, SOURCE RECEIVABLES MANAGEMENT, refuse to remove this account out of my name and off my credit report. Ive included in the desired outcome section the letter mailed to SOURCE RECEIVABLES MANAGEMENT.
On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX, SIMM Associates did contact me a total of 7 times as debt collecters regarding a debt I allegedly owe. On all of those 7 occasions they did fail to comply with the requirements of Title 15 > Chapter 41 > Subchapter V > 1692g > Section A > Subsections 3 and 4. 

On XX/XX/XXXX, I messaged them stating I wanted them to cease any current or future attempts to collect the debt, report said debt to credit reporting agencies, or contact me regarding said debt. 

On XX/XX/XXXX, SIMMs associates did contact me in a direct reply to my previous message in a further attempt to collect the debt in violation of Title 15 > Chapter 41 > Subchapter V > 1692c > Section c > Subsections 1, 2, and 3.
I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX  XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.
Applied for fha mortgage on XX/XX/XXXX XX/XX/XXXX still haven't close Was told by XXXX XXXX at XXXX XXXX XXXX Highway XXXX XXXX XXXX, AL XXXX He had " lost '' our mortgage paperwork 4 times. 
We have been told by XXXX XXXX " We are close to settlement any day '' For 3 months. 
I have already applied for and RN licenses in Alabama based on this mortgage and have XXXX potential employers awaiting my settlement. 

We were notified by XXXX XXXX we would be at settlement this Wednesday the XXXX and now he is stating he has not gotten us to settlement yet. 

Does not reply to messages, work voicemail has been full for over a month. 

XXXX cut to is the underwriter who has not responded to voicemail or email in over a month
Last month I was approached by the local branch manager to use XXXX Wells Fargo 's products. I was not interested but after serval attempts I agreed to sit down and listen to what Wells Fargo has to offer. I purchased a house cash and was told to apply to a zero fee home equity loan@2.99 %. That sounded good and I proceeded although I really did n't want my credit pulled just to try, I was assured since I have a XXXX credit score and XXXX the loan amount in a savings account with Wells Fargo that this will be very quick and easy. It has been XXXX since I applied, I have spent more than 40 hours preparing documents sending documents and treated like I was a criminal. This has been the worst experience in my life!!!
This is regarding CFPB Complaint Number : XXXX which has been closed.
<P/>
Your correspondence dated XX/XX/XXXX you are providing an update, I appreciate it. I have given time to Seterus to provide me with the necessary documents but to date, this has not happened. I have been in continued contact with Seterus and they continue saying the same thing " this is a lengthy process and you should be receiving the assumption trial period plan shortly ''. To date, I have not received anything. My home is in foreclosure with a trial date ofXX/XX/XXXX. Seterus states they have never prepared a divorce assumption with both parties alive, they have done this once a party/spouse passes away. I understand this and appreciate it but I have been waiting since XX/XX/XXXX to receive the Trial Period plan and this matter has been ongoing since XX/XX/XXXX when I was approved for a loan modification but it was under my ex-husband 's name. Basically it has been a little over a year and still no trial payments have been offered, nothing.
<P/>
My family is anxiously waiting to resolve this matter, my ex-husband is taking me to Court tomorrow XX/XX/XXXX to try and make the Court force our home to be sold. This is just incomprehensible. I just want to save my children 's home and have a roof over their and my elderly parents ' head. More time goes buy the more money they tag onto the mortgage. What happens if I ca n't afford the trial payments because the mortgage amount is too much since it will include Attorneys ' fees, late fees, and everything else. Last I knew, the mortgage owed to date was approximately {$400000.00}. The homes in the area and the comparable properties estimate our home to be valued at no more than {$350000.00}. The amount keeps going up but property values do n't, what can I do?
Equifax deleted a XXXX XXXX account then reposted it even after I disputed the account. I have attached proof it was deleted, page XXXX of XXXX. 
XXXX XXXX account number XXXX
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts I disputed. Being that they have past the 30 day mark and can not verifying these accounts under Section ( 611 ) 5A of the FCRA which they are required to " promptly delete all information in which can not be verified ''. That I have disputed. I spoke with them telephonically several times in which they repeat that its " verified '' and that 's all the information that they give me. Can you please resolve this matter as soon as possible. Thank You
I reached out to all 3 Bureaus XXXX, Equifax, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at XXXX  by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.
In 2015 I became late on my mortgage due to unemployment. I requested a government modification through Ocwen, and was told I was not approved. Ocwen offered an in-house modification. The monthly payment would be lowered by a few dollars, interest would be lowered by 0.3 %, and there would be a {$19000.00} balloon payment at maturation. I turned down the modification because of the balloon clause. My relationship manager pressured me into accepting the modification, and said I would also have a balloon payment if I remained with my regular contract. This was a lie - I obtained my original note, and there is not a balloon clause. I rejected the modification, which took a long time and many calls/emails to accomplish. Since then, I made payments to become current : {$600.00} on XXXX/XXXX/15, {$590.00} on XXXX/XXXX/15, and {$1300.00} on XXXX/XXXX/2015. None of these payments were applied to my past due balance. {$600.00} has been in suspense for over a month. XXXX agent said I had over {$1100.00} in suspense. Other agents and a supervisor said I have {$600.00} in suspense. I am not sure how much is in suspense. Because the suspense funds were not applied, I became 4 months late on XXXX/XXXX/2015, and was told that the {$1300.00} payment would be rejected and mailed back to me, and that I owed an additional {$570.00} in addition to the {$1300.00}. I have called and emailed many times to request that the suspense funds and the {$1300.00} payment be applied, but Ocwen will not apply them. The {$1300.00} is not showing up anywhere - not on my account or in suspense, despite the fact that I have verification that these funds arrived to Ocwen on XXXX/XXXX/15. The biggest problem is that I can not get a clear answer from Ocwen. They do not respond to email. By phone, some agents and supervisors say that the funds remain in suspense due to a system glitch, and will be applied soon. Other agents wo n't clearly answer my questions. XXXX agent said it was my fault the funds remain in suspense, and that these funds were to be applied to principal, and not the late balance. Every time I call I get a completely different answer. It is impossible to obtain honest and accurate information. Last night I tried to pay an additional {$570.00} online via XXXX, but received a message saying this was the incorrect amount, and to contact Ocwen customer service. XXXX would not allow me to submit a payment. I am not able to make a payment by phone, on the Ocwen website, or via XXXX. I am being charged late fees, certified mail fees, fees for photographing the house, and have received negative credit reporting. I have given everything I have in my bank account to Ocwen this month to try to become current, however they refuse to apply any of these funds to my past due payments, and I am afraid they will begin the foreclosure process.
I fall under thecurrent lawsuit I was only offered a forebearance, late fees, and misapplication of funds. I took out an XXXX loan that has costs me over XXXX. I have complained and nothing.
I received a bill for equipment that was not given to me from XXXX XXXX. XXXX XXXX gave this bill to ERC to collect. ERC inflated the amount of the original XXXX XXXX bill by {$100.00}.
Capital one is showing that I have or had a Capital one card. I have never had a Capital one account or card. When I contacted Capital one they had no record of my SS # or account #. I really need this taken off my credit. Thank you.
I receive a letter today ( XXXX XX/XX/2018 ) dated XX/XX/2018 thanking me for my request to open a new Citibank account. I did not apply for this account and don't want any financial service from Citibank. This was a fraudulent application. Please see the attached scan of the letter ( XXXX XXXX - Citi Bank XXXX ).
Hi, i applied for a Delta Gold Business credit card from Amex with a sign-up bonus of XXXX Delta miles subject to meeting of minimum spending requirement within the time allowed. I met all the requirements in XXXX, 2017 to get sign-up bonus but i have not received sign-up bonus. I called Amex multiple times and they have been saying that they opened a case to investigate it but i don't see any resolution from them.
This is a call for help from XXXX XXXX US Veterans who were scammed by XXXX banks : SunTrust and XXXX XXXX. 
XX/XX/XXXX we closed on an {$800000.00} thirty year home loan at 5.8 % interest only for ten years. Monthly payments $ XXXXDuring year eight we called SunTrust to explore what alternatives we might expect to have at the end of year ten. We had a perfect payment history on this loan. We wanted to talk about converting our loan to a principle and interest loan through a simple modification or refinance at this time since mortgage rates were at historically low. 
We were advised by SunTrust that they want to help us but could not talk to us about a loan modification unless we were delinquent and the loan was in default. 
The SunTrust agents advised us multiple times to stop making payments so they could help us. We finally relinquished and SunTrust put us in their Loan Modification ProgramThus began a fourteen month nightmare of delays, harassment, lies and deceit. What a joke. Files could get frequently misplaced or 'lost ' many times. This eventually led to a 'modification ' in name only. It added {$75000.00} to principle plus an increase to monthly payments. Sort of an " extend and pretend '' program designed to move the homeowner toward foreclosure. They also ruined our credit. 
Lastly, we were threatened with foreclosure if we did not accept the modification. 
Monthly Interest Payments now are $ XXXXSurprise, XXXX XXXX appears as owner disclosed for the first time in the new documents. Though SunTrust said XXXX XXXX called all the shots, we were forbidden to contact XXXX XXXX about the new loan. 
Not wanting to lose our home, we were forced into the " modification '' agreement. We feel we were purposely led astray by both XXXX XXXX and SunTrust to gain control of our home by nefarious means. 
SunTrust has informed us that our new " Modified '' Home loan will go up to {$8800.00} a month XX/XX/XXXX. 
Thanks to the way we were misled into a " loan modification '' by SunTrust and XXXX XXXX it has damaged our credit and put us in a position where it is difficult and or impossible for us to qualify for loan with a new lender. 
We have tried for a VA refinance loan but were told due to the " Modification Loan " and our lower credit numbers brought on by the non- payments on our old mortgage we are ineligible for a loan. 
We are requesting that the loan be rolled back to its original terms ( balance, etc. ) and our credit derogatory comments be removed. 
We are happy to consider some modification program that they have as long as it is fair and clear. We have heard XXXX XXXX has a program as low as 3 %. We will then be able to afford and stay in our home. 
This will provide XXXX XXXX with borrowers with a long history of on time mortgage payments.
Repeated and frequent phone calls. Sometimes minutes apart, sometimes an hour, sometimes hours. However, the calls are so numerous that I have stopped looking at the phone when it rings. I have enlisted with a debt consolidation firm to consolidate all of these cards. Most of whom are from Synchrony Bank. The calls that I am complaining about, are from Synchrony. Just in the few moments to write these few lines, Synchrony has called three ( 3 ) times which equals about 10 minutes time.
<P/>
The firm that I have enlisted is called  XXXX . They have instructed me not to speak to these creditors so I do not get shamed into making a payment to the creditor. Which according to   XXXX   would allow them to not participate in the program. So I have followed this advice.
<P/>
Synchrony is calling from predominately four ( 4 ) phone numbers. Although on my caller ID shows number and caller information not available for others with no voicemail left. The numbers that I do have are :   XXXX  ,  XXXX ,  XXXX , and  XXXX . From the voice mails, it is a robo-dialer.
<P/>
I had entered into this program with  XXXX  on   XXXX   XXXX  , 2017. I pay   XXXX   an agreed amount each month, via direct draft, and they, per negotiations with the creditors, pay a settled amount to clear the accounts. To the best of my knowledge, I am keeping my end of the agreement to which my creditors are not. Especially Synchrony Bank.
<P/>
When I had first applied for credit with any of my creditors, I applied as retired (  XXXX  ), for which I am. I had part time work working three days a week with a temp agency. That assignment has since ended the beginning of   XXXX   2017. Prior to the loss of the PT job, there was a reduction of hours and pay, which did not help my credit payment efforts, hence the   XXXX   solution.
<P/>
My research has enlightened me to Creditor Harassment under the Fair Debt Collection Practices Act ( FDCPA ). To which I believe that Synchrony Bank certainly is in violation of with the frequent, repeated calls throughout the day. As I stated earlier, three ( 3 ) such calls in the span of 10 minutes. I would like a resolution to this, and my research has also enlightened me to suing and getting {$1500.00} per call. With the volume of calls thus far, my indebtedness to Synchrony Bank is paid off and then some.
<P/>
My suggestion for a just and fair resolution would be to call it even. Synchrony Bank stops calling, clears all of my debts due to them, due to the harassing calls, and enters positive cleared status on my credit reports. My remaining debts are my responsibility.
Bank of America Allowed for a fraudulent account to be opened in my name. I discovered this account when I pulled a copy of my credit report and the account was showing on my credit reports with  XXXX , and  XXXX , and  XXXX . I did not apply for a card with Bank of America and I have contacted Bank of America to make them aware of this fraudulent account yet they have refused to do anything about it. When I called in to Bank of America about this card they told me that I would have to pay for the card even though it was fraudulently opened. I explained to Bank of America that I was a victim of identity theft and that the account was opened in my name without my knowledge or permission but they have continued to refuse to assist me but only continue to threaten me that if I do n't pay the fraudulent account that they will ruin my credit. I should not have to pay for a credit card that was opened fraudulently and is defamation of character to report fraudulent information about me on my credit bureau when Bank of America knows that this is not my account because I have told them many times both by calling and by certified mail.
The fraudulent account number is  XXXX . This is a fraudulent account and I am not responsible for bank of America opening it in my name or the charges on the card.
I contact Family Credit Management 2 years ago to help consolidate my debt. Since then nothing seems to be improving. My debt is going down but at same time they fail to inform me of changes that are being made. Examples are late payments and missed payments. I pay them two times a month and I trust them to deliver the funds to the correct account. I feel that by going through them to repair my credit is it has gotten far worse. While I had debt it was manageable and steady decrease and credit score was decent. Now I barely have any open credit accounts and its hard to open new credit lines to build credit. The amount paid twice a month are XXXX dollars. During the past few months the amount has suppose to be increased to XXXX to meet the demands of the creditors and they failed to mention this to me as I noticed missed payments and late payments.