WillisBack/dataset-financial-user-claim huggingface dataset:
A few months I sent a letter to portfolio recovery stating I could pay my debt of {$270.00} for a lower amount of {$100.00}. The rep from Portfolio informed me yes I could pay the debt for lessons it would be reported as such and they would also require debt be deleted from my credit file with all 3 major bureaus. I sent a check and a copy of the email that I received from portfolio which stated as such. They sent me a letter back k stating there are restrictions on the letter they did not agree with. I also looked on the website which they stated they would delete trade lines from credit reports for payment that may be less than in full. I sent them a personal check stating to pay off my debt and they sent the letter back. Why would such a company state they would take payment for less and a rep stated they would take less and on the website states the same thing. What kind of company does not follow what they post
Transunion and XXXX are reporting inaccurate information on my credit file. XXXX Acct # XXXX is reporting lates on XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX. This information is not correct. I have sent documentation showing the information Transunion and XXXX  was reporting incorrectly. XXXX acct was included in my Bankruptcy Docket # XXXX XXXX in XX/XX/XXXX. I have sent more than enough documentation showing proof, and that they are in clear violation of the Bankruptcy Law act. But they have failed to contact me or remove this information. I have attached documentation showing proof of my discharge date.
When I called the XXXX number to find out where can I print my XXXX forms when I spoke to the rep I answered all my info which is card number, first and last name of the account, date of birth and my online id I use then the rep said " We can't help you because you are phishing someones account even though I was the one who knows what the question are I told them that " I was the account holder NOT a scammer or a thief of my own account '' and then I hung up and called back 5 minutes later I told a other reps that I know the questions are being asked when you call the number on your back of your card then the rep said I was doing a fraudulent act on my account then when I tired to speak to a supervisor and they refused.
Today, XXXX XXXX, XXXX, I received a call from Asset Recovery Associates XXXX XXXX XXXX stating that a credit card from XXXX XXXX with the last numbers XXXX has a past amount due - at the time, XXXX XXXX, XXXX, was {$4900.00}. They said they sent letters - which I did n't receive- and called me and left messages, which I did n't receive. Then they gave me a case number : XXXX, a phone number XXXX XXXX XXXX XXXX ext XXXX, XXXX XXXX. she told me my social security number, which credit cards I have/use, my address, my old address, my name prior to divorce, and the names of credit report organizations to call or write to about my credit. They they gave me XXXX options to pay off the debt : XXXX XXXX pay full balance or XXXX ) settle out of court with my bank. They said I could make a down payment with my XXXX XXXX credit card ( which I did XXXX for {$500.00}. and that I would receive paperwork tomorrow in overnight delivery and then go to my bank and make payment arrangement with XXXX XXXX. This balance was less because they gave me an out of court settlement {$3800.00} with {$500.00} less.
Cavalry Portfolio is incorrectly reporting a balance on my credit report in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing. Bankruptcy law requires all collection activity to cease, however, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, Cavalry is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX. XXXX. XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all.
I have run into a problem with Synovus BankXXXX on XXXX Florida, XXXX, regarding an illegally honored check. I am a representative XXXX. It came to my attention that a payment we were supposed to get by the XXXX Insurance company never came, and upon further review discovered that this check was already honored and asked the XXXX records department for a copy of the cleared check, in which they provided. This check had BOTH the names of our client, XXXX XXXX, AND XXXX, on the Pay to the Order section. This check should have only been honored by Synovus if XXXX the proper endorsements were on the back of this check. We NEVER signed the back with our endorsement, when the majority of the check was supposed to be ours, yet it was still honored, and now we are out over {$8000.00}. If the check has XXXX names on it, it requires XXXX endorsements. This was not done. After calling Synovus bank for weeks on end and getting the same story about how thy cant do anything about it, the manager XXXX proceeded to tell me never to call back and that she was done with me. I need help taking legal action against this institution.
I have already addressed XXXX 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.
On  XXXX   XXXX , 2017 I sent this company a letter informing them that I will be sending them a check with a conditional endorsement which laid out the terms of an accord.  XXXX  shows that NELNET received this letter last   XXXX    XXXX , 2017 as shown in the attached copy of my certified mail receipt below and according to   XXXX   mail tracking website as shown in the attached files. I sent them a check dated  XXXX   XXXX , 2017 and they already cashed this check.
Nelnet failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that your company broke the accord set forth by the conditional endorsement check you have cashed.
This is a violation of California Civil code.
I had an auto title loan with XXXX XXXX that was opened in XX/XX/2013 with a 28 month repayment term that was paid in full in XX/XX/XXXX of same year. During the term of loan they claim I paid 30 days late according to their reporting 3 times but they also have reporting payment status details as 2 or 3 times late which is not true actually and even more so proves that they are not reporting 100 % accurate according to the FCRA. I have reached out to Experian and XXXX XXXX to get this account deleted or corrected due to inaccurate reporting but have only gotten them to say the Account is verified.
We purchased a roll up door from XXXX online. Order number XXXX. We purchased this with the expectation of a rebate that was promised. Rebate code XXXX. 

We received notice that the door was available for pickup on XX/XX/XXXX and the following week end, retrieved the item on XX/XX/2018. Now having received the merchandise, we attempted to collect the rebate. However, the rebate deal stated that it was no longer available and expired on XX/XX/2018. 

Our complaint is that we could not exercise the rebate until receipt of the merchandise, and because of their slow delivery, ( Order placed XX/XX/2018 ) we could not exercise the rebate. This was false and deceptive to offer a rebated price and then not making allowance for us to claim the rebate
I have disputes with Equifax  three  seperate times  XXXX  tax liens showing on my report. This item was incorrectly assessed at the creditors level. Because the first  two  disputes came back as verified by  XXXX  I did my own research. Verified that this debt was not mine and the issue was resolved at the creditor level.  XXXX   XXXX  did a investigation per my request found the debt to not belong to me and removed it from their files. I started my third dispute with Equifax. This item was removed promptly by   XXXX    and  XXXX . I faxed my   XXXX   XXXX   report to Equifax with my dispute. Equifax stated numerous different things to me such as they verified the debt directly with the lien holder  (  creditor ). Which they did not. I requested in writing how they verified the debt. That statement sent to me by  XXXX  stated it was verified through   XXXX   XXXX  . It was not. Once I received that statement from experian I asked for an updated copy of my file from   XXXX   XXXX   It was still clear of the debt. I have spent well over  20  hours on the phone with  XXXX  to remove this item and they refuse stating that it was verified directly from the source. I called the source of the debt. They stated that they do not communicate with credit agencies directly ever. I asked for verification that the debt was not mine. The creditor stated that it never existed so they could not send me any letter stating that the debt was not mine. Additionally they stated that my record is clear of the debt and should reflect as such. It does reflect correctly with   XXXX   XXXX  . I am in a mortgage closing situation and it is delayed because of this refusal to remove the item. I can not close a mortgage loan with tax liens on my credit. My original close date  was      XX/XX/XXXX . It  is pushed back indefinitely. The owners may recind our contract to purchase. I have been calling actively since the end of     XXXX   2017   but the initial dispute was submitte d two ye ars ago.
My husband and I opened up an account with BBVA Compass Bank for our new vechicle. I was told by several reps that I could make a payment from our checking account since BBVA Compass bank did n't have a way to pay online. I made NUMEROUS attempts to pay thru our checking acct and was told that my bank " rejected " the transaction. After multiple calls to my bank, my bank advised me there was no record of BBVA Compass bank transaction. I made a " bill payment '' to BBVA Compass Bank XXXX XXXX/XXXX/16. I checked my bank on XXXX/XXXX/16 and confirmed BBVA Compass bank received my payment. On XXXX/XXXX/16 I started receiving XXXX telephone calls per day from BBVA Compass bank!!!! I returned the call and was told by a rep in the collection department that my payment was late. I advised the rep to double check the records and that the payment was sent via bill pay and received by the bank on XXXX/XXXX/16. After the conversation, I continued to receive calls from BBVA Compass bank XXXX8 times per day!!!!! The calls interrupted my day and evening. I had to put the bank on call block. I called BBVA Compass bank today- XXXX/XXXX/2016 and requested to speak with a supervisor. The call was transferred to XXXX XXXX XXXX. She pulled up my account and verified my account was paid on XXXX/XXXX/16. I advised XXXX a complaint will be filed for harassment from BBVA Compass bank regarding this issue since it should of never happened.
this complain would be the XXXX time that I have ask Transition to investigate late payments in my report and all I get in return is they need more information.
I submitted a complaint in regards to NETSPEND prepaid card or XXXX which ever it goes by and I receive a message that stated for me to tell you what the issue is. I thought I was clear as to what the issue is. However, I will spell it out so it is not misunderstood. I have bee requesting a copy of my monthly statements for over 3 months. I was asked to fax information verifying my identity as I am a victim of fraud and identity theft. I provided this information to XXXX XXXX, the same person referenced in the first complaint. There was money missing from the cards that I expect them to pay me back and I want to see all of the transactions. XXXX state I had XXXX cards in my name. I NEVER had XXXX cards. The issue is I want all of my statements as it is within the 7 year statue and I want my money refunded to me. These are government funds as I am XXXX. I hope you can understand now what the issue is.
I applied for a job with a company called XXXX. I had to pay {$7.00} for my background check. Within days, I was denied employment because the consumer reporting agency they used claimed that my social security number could NOT be validated. In speaking with First Advantage, I was advised that because I have a security freeze on my credit reports, they could not validate my SSN. I find this very disturbing as there are other ways to verify someone 's SSN. Additionally, within the report myself and the employers was sent, it uses deceitful verbiage such as " Ineligible '' and " the SSN does NOT belong to the consumer in this report '' which is not only inaccurate, but is misleading and defaming to my character. First Advantage told me I would need to lift the freeze so they could re-process the background check. I was already DENIED employment because of their inaccurate information so would n't that information been more valuable to me had they told me PRIOR to completing the background check? Should n't it state that we pull this specific credit file and would need it to be clear of freezes? In fact, typically when there is a freeze, I am contacted by the company trying to pull my credit and asked for the security code to access the file prior to being DENIED or considered INELIGIBLE. This process is required under the FCRA when pulling a credit report that has a security freeze. Neither was done. Further, not all of my credit files have a freeze. How was I to know which XXXX they pulled? I am disgusted by their violations and the damage they have caused. When I reached out to XXXX they were of no assistance and put the issue back on First Advantage as if they were the decision makers for employment. I 've been labeled " ineligible '' for employment and I 've done nothing to deserve that. This entire process between XXXX and First Advantage should be looked into.
ON    XXXX   XXXX   XXXX     I was called by  XXXX   XXXX   XXXX  and a representative spoke with me about refinancing. I told him that I had spoken with someone and I had to pay off some debt to bring my  credit score u p and he said you only need  XXXX  and I said ok. I was transferred to  XXXX   XXXX   XXXX  and explained the situation and he said no problem we can do something. I called this morning and he get to explaining that we had too much debt and my  credit score  was too low ; all what I told him in the begining. I also told him his representative dont know nothing and do not have the right to tell you anything. I said then why do he work for you. We went on and on and he said you have too much debt and could not help. I said I told you that in the beginning. I dont know if they get anything for seeing if the people do qualify and they dont. Can something be done about companies trying to say they can help after you explain the situation and dont help.
This bill is for a gas service for a property that I sold 8 years ago and the bank did not settle the open account, I did not knew I had this balance open for {$500.00} dollars. I contacted IC Systems and told them that I am in lay off right now, but I want to settle the account paying what I acan right now, which is {$200.00}. 
They did not accepted and then is when the call and mail harassment started.
I 'm confused as to why XXXX XXXX REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with Equifax as well as XXXX however to no avail. Equifax said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with XXXX knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XXXX and I have given XXXX as well as Equifax more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.
Got texts from American Express stating I had a card. Then a transaction taking place and to go to this website to login and check accounts : http : //americanexpresscardservicescardconfirmationcardXXXX   I instead XXXX American Express and was taken to a different site and then called them to make sure I did not have an account with them and reported it but they said it was not their problem in so few of words. So I am here hoping you actually do something. The website clears as a safe and reliable site from fraudulent website checkers.
I am trying to defer my payments again, because I am having severe financial difficulties. My home got damaged in the storm and the check that I received from my wind & storm company will not cover the entire amount that the roofing companies is asking. I am just asking for defer payments until next year or a much lower monthly payment for both loans.I am willing to pay back, but they are keep billing me for high late fees and increasing the loan every time I ask for assistance. This has been going on for the last XXXX or more years.The loan date is XXXX/XXXX/XXXX. My loan amount is now {$42000.00}, which has almost doubled from when I first received the loan. I have had deferred payments and Foreberance because they refuse to lower my monthly payments where as I can afford to pay monthly. Thanks,
Chase added an authorized user to my credit card account by the name of " XXXX XXXX ''. The authorized user was added out of XXXX. The credit card was to be shipped to XXXX without my consent. Chase failed to contact me to confirm this was accurate and successfully added this user that i do not know.
I applied  XXXX / XXXX / 17  which I was declined due to incorrect information on my credit file. I then applied again on  XXXX / XXXX / 17 . I contacted  Wells Fargo explaining the information on my credit file was not correct. I challenged the information on my file which was removed, contacted Wells Fargo Executive Office, and  was told to re-apply thus they would pull the corrected credit report. I did so  XXXX / XXXX / 17 , I explained this to the agent on the phone and assured me that this would happen. Upon calling back, I was informed that I was declined for the same reason as the original with the incorrect information which had been removed and verified that  Wells Fargo had not pulled my updated credit report. I called back and spoke with a manager. He th en escalated the issue to underwriting who refused to pull the corrected information. Thus, in violation of the FCRA, I was placed in contact with  XXXX  from the  Executive Office at this time. I did inform Wells Fargo that this would be escalated to t his office.
The bank has failed to contact me ( co signer ) on my daughters delinquent account. Damaging my credit with no notification. They said they had the wrong address. I have had my checking account with them since XX/XX/XXXX and they new my address. The bank continues to fail to provide me XXXX on interest that I paid XX/XX/XXXX. I have tried to conslidate the loans but they drove my credit score so low I did not qualify at a low enough rate to afford the payments. Wells Fargo continues to fail to work with us asking for payments we are unable to provide at this time. The interest they are charging me after they drove my credit score down would lead me into default. Wells Fargo departments do n't coordinate with each other telling us if we made 3 payments on the late account they would help to bring the loan current. They continue to fail to work with us to resolve all issues relating to my daughter student loan accounts.
this company call my wife with XXXX frequent i never give them my wife cell number. she was very upset when the call her when she was with her XXXX at a work shop
Selene took over servicing of my mortgage I have sent letters requesting verification of the debt the modification that XXXX had and how to continue with the modification ... ..they have ignored my repeated letters and calls and have just moved forward with the foreclosure which is tomorrow XX/XX/2017
I was predatory serviced against, predatory lended against and uncovered money laundering, bank fraud, mortgage fraud. Bank servicers I uncovered later had falsified information on where down payment on property came from. Not from a FHA gift letter. As they said in paperwork on closing. Came from a mortgage loan on another property not connected and funds were then wire transferred from bank to bank and coming back into same bank it originated from. This originated in XXXX to XXXX. When XXXX was going thru a bank acquisition of XXXX XXXX XXXX. And used XXXX XXXX XXXX   papers during purchase. The bank got mortgage back securities from XXXX XXXX and XXXX XXXX as collateral on a falsified note. Title company records from XXXX XXXX XXXX XXXX has loan paperwork. County records can prove that other things took place. Lien deeds put on said property by perpetrator of fruad involvement prior to being hired at bank as a mortgage servicer. And another hired that was family related also involved in the fraud and mortgage predatory servicing.
I owe payments for XXXX, XXXX and XXXX. I offered to pay {$1300.00}, which is a payment and a Extra {$350.00}. I explained to them, I could pay this each month until caught up. They are refusing to take my payments. Agent I.D . number is XXXX, who refused. I told her I aould mail it in she said they want post it. I have been asking for help since XXXX, when my husband went out of work for over 30 days, due to XXXX. He is back to work now.
GLA Collections is trying to collect 3 medical debts from XXXX XXXX Hospital, but I had Medicaid at the time of each visit. The dates were : XX/XX/XXXX in the amount of {$370.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$330.00} My Medicaid should have paid for this, so I don't understand why they're trying to make me pay. Please fix this or help me understand what's going on. Thank you!!
NUMEROUS illegal actions taken by " Fair Collections and Outsourcing '' including violation of FDCRA 605 ( c ) by attempting to " re age '' a XX/XX/XXXX debt by resubmitting today XX/XX/XXXX the same debt Violation of FDCPA 809 ( b ) by failing to validate the debt when requested by my attorney and then continuing to attempt to collect and reporting to Experian Violation of FDCPA 805 ( b ) by contacting my elderly parents and telling them " something bad '' would happen to me if I did n't pay
I was kept on hold for a total of about 35 minutes and spoke to representatives for all of about 3 minutes. I have been trying to access my money through an online exchange called XXXX XXXX XXXX XXXX. I have every right to access my money in this matter and know many who access their money through XXXX with a TD account linked with no problems whatsoever. I get a message saying TD is blocking me from third party applications. I call support and he tells me " that 's no problem, we can just lift the block from your account '' he then puts me through to a tech representative who pretty much told me what I was talking about did n't exist and she could n't help me all while complaining to me about why the support rep put me through to her iin the first place. Then I asked to speak to the supervisor who actually gave me some service but told me that I cant access my account through XXXX. I feel targeted and very annoyed that I can see account transfers on friends TD Bank applications involving XXXX but I 'm told I cant.
I am filing a complaint because my mortgage payments are missing. I have had XXXX dollars paid on my behalf to Ocwen from XX/XX/XXXX to XX/XX/XXXX. My loan balance in XX/XX/XXXX was {$120000.00}. My balance XX/XX/XXXX in {$110000.00}. I am missing XXXX of payments applied to my account. My balance should be XXXX. I have called Ocwen on several occasions but I have not gotten a response. In addition, I have attempted to apply for a Principal Reduction but I have not gotten any response from Ocwen. I will have to sell the house because my mortgage is not adequately serviced by Ocwen.