WillisBack/dataset-financial-user-claim huggingface dataset:
I previously reported to CFPB onXX/XX/2018with case number XXXX   vs XXXX XXXX the dba for XXXX XXXX. XXXX XXXX falsely claimed that they did not improperly report the open {$150.00} charge off for their credit card. When I attempted to call, the company gave me the run around and I was on hold for over 45 minutes without speaking with a human.

I now have the copy of all of my credit reports where I disputed that any balance owed to this company and/or its affiliates. This was a secured credit card which means I deposited {$600.00} and once I declared bankruptcy everything got paid off. Unfortunately, XXXX XXXX  continued to charge me late fees for a debt that was completely paid off and during the bankrutpcy which was in violation of 11 USC 362. I do not owe XXXX XXXX any monies and it is defaming my name by falsely stating that I owe any money at all. It is also throwing off my credit card limits making it falsely look as though I charge up cards and not pay them.
this debt just showed up on credit report i have no clue of this, im sure your aware of the laws fcra, and ftc opinion letter. first you need to give 30 day notice and my right to dispute said debt, so ill dispute this through this sight, i need an written agreement to pay this debt with my signature, an itemize statement is not validation, and i dont give my permision for you to get my medical records so getting itemized statement or any thing that has to do with my medical record like itemized statement or name address, released to you is a violation of hippa so contract or written agreement that bears my signature is what ill except.
XXXX XXXX called into my place of employment. I asked for the name of the company. female hesitated and went on with call as though she did not hear me. I asked again she finally reveled where she was calling from. I then told her that I am not to receive calls at my job. I asked that my number be removed. she laughed and said no. However she didnt know that the whole call was being recorded
I attempted to create a dispute with Equifax about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.
My name is XXXX XXXX. the last four of my synchrony acct was XXXX my address is XXXX XXXX XXXX. XXXX , Ms. last four of my social is XXXX. I received a phone call regarding my debt with synchrony bank for {$690.00} between XXXX and XX/XX/XXXX regarding full payment on my account that was closed on XX/XX/XXXXXXXX i informed them then that i could not pay the account in full. even tho they said i had to make the full payment instead of paying on the account i still sent a payment during XX/XX/XXXX.. I heard nothing else from the collector at that time even after i sent payment on account. XX/XX/XXXX i received another call from debt collector regarding amount for XXXX.. i was informed that they could not take partial payments and needed account paid in full. Amount has already been put on my credit report after debt was sold, meaning the debt was wrote off on taxes of original creditor. Company that purchased debt wants to sue me for amount after they rejected my offer to make payments.. since debt was wrote off i assumed contract was cancelled in XX/XX/XXXX. I'm willing to pay on account. i also feel that they should accept payments instead of requiring full payments. if they review my credit report they wld see that majority of my payments on accts are made.. i got behind with original acct due to losing a job. the company name is XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ms XXXX.
XXXX has continued to report a charge-off giving me a bad credit rating with the credit bureaus. XXXX XXXX and XXXX have deleted this erroneous report from their rcords. Experian, however, after XXXX investigations, have not deleted this charge-off, nothwithstanding evidence submitted to them that XXXX had settled with me in an accord and satisfaction completed years ago, yet still report this charge, thus giving me an adverse credit history.
A few weeks back I had called to speak with a Capital One representative to shut down may account in which was on a secured XXXX that I had initially secured with {$99.00}. 
A week or two had passed after not being sent the money that I was owed and I on the XXXX on XXXX about XXXX -- of this year spoke with a representative whose first name was XXXX ( employee ID XXXX ) who had confirmed with me that the prior representative that I had spoken to did not shut down my account ; and, stated that I would be receiving a check of my total credit of {$180.00} in 7-10 days. So, I wanted to make sure I understood her correctly so clarified weather it would be 7-10 calendar days or business after which point she told me it would be 7-10 business days. 
Then on the XXXX I got a call at about XXXX XXXX from a representative ( employee ID XXXX ) that was trying to make me agree on a recorded line that I was due only a check for a pennywhich I did NOT concur with as I was due {$180.00} as XXXX had stated to me on the XXXX. 
Before this occurrence I had logged into my Capital One account online and did see that in fact I was due a credit of {$180.00}. 
I later that day called and spoke with XXXX ( employee ID XXXX ) who had confirmed with me that in fact I was due that credit via check of {$180.00}. 
I has been almost a month since I originally requested that my account be closed and that the money that was due be reimbursed back to me. 
Also, any time I had requested a copy of my last statement I couldnt get a representative to do so I didnt get any where which I believe they are not letting me have because it would clearly show that I was due that credit of {$180.00} at the time of requesting the closure of this account. 
I hereby affirm that I am owed {$180.00} and demand payment of this amount.
Many years ago I subscribed to Experian TripleAlert credit monitoring service from Experian and have been paying a monthly fee. I no longer need this service from them and have been trying to cancel the service. The only method they publish for canceling the service is via telephone. I called them multiple times and they never put my call through to a representative. I call their number ( XXXX ) XXXX ; enter my SSN, zip code, DOB, etc ; press the option to cancel my membership ; and then they put me on hold forever. While writing this complaint I've been on hold for 1 hour 9 minutes.
On XXXX.XXXX.17 my wife made a purchase al XXXX XXXX XXXX located at XXXX XXXX and XXXX XXXX XXXX XXXX for XXXX usd  which she paid with her Sears card. At the time of payment I was offered a card which I received days later. The problem is that the same purchase made by my wife is also being charged to me for XXXX or a same purchase are being charged twice.
On XX/XX/XXXX, Transfinancial Company reported an unpaid medical debt for {$160.00} to the credit bureaus. The company alleges that the medical debt was " opened XX/XX/XXXX ''. Neither Transfinancial Company or the original creditor have ever mailed me any bills or correspondence relating to the purported debt. I was denied the opportunity to verify that the debt was mine or to pay it to the original creditor by virtue of the fact that it was placed on my credit report without notice or opportunity to be apprised of the debt. I do not know the date or purported service or if the debt actually belongs to me.
My wife was laid of in XXXX of XXXX and we applied for a loan modification through our mortgage company, Ditech, in XXXX. All documentation was received and cleared by them in XXXX of XXXX. We were instructed by Ditech that it would take approx. 60 days to review the information and get back to us with the decision. It is now XX/XX/XXXX and I have called Ditech many times with no resolve. Each time I have called a representative states that it is still being reviewed by underwriters and to call back next week. This is until last week on Friday XXXX. I have called 3 times and it does not connect me with or give me any option to talk to a live person but directs me to a voicemail. I have left XXXX message and have not been called back with an update of the status. At this point, due to financial constraints we are substantially behind in our mortgage and need help with no support or resolution in site. Please help.
XXXX XXXX XXXX CONTRACTED WITH XXXX XXXX XXXX AND THE MATTER WAS TO BE HEARD BEFORE A XXXX XXXX   SUPERIOR COURT ON XX/XX/XXXX UNDER CAUSE NUMBER XXXX.

ON THAT DATE AND UPON ARRIVING AT THE COURTHOUSE, XXXX XXXX WAS APPROACHED BY XXXX XXXXXXXX XXXX XXXX. HE INFORMED HER THAT HE WAS AN ATTORNEY FOR XXXX XXXX XXXX. AND THAT XXXX XXXX XXXX   WOULD NOT HAVE TO APPEAR IN COURT IF SHE WOULD SIGN A SETTLEMENT AGREEMENT.

XXXX XXXX, WITHOUT THE BENEFIT OF COUNSEL, SIGNED A DOCUMENT ENTITLED " NOTICE TO DEFENDENT '' THE SETTLEMENT AGREEMENT.

AFTER GIVING LEGAL ADVICE TO XXXX XXXX   AND SECURING A SIGNATURE ON A LEGALLY BINDING DOCUMENT, XXXX XXXX THEN REPRESENTED TO THE COURT THE FOLLOWING : " 1 ) XXXX XXXX CONTACTED XXXX XXXX IN XX/XX/XXXX ) THE PARTIES AGREED THAT DEFENDANT NEED NOT APPEAR IN COURT FOR THE XX/XX/XXXXXX/XX/XXXX HEARING '' HERE, XXXX XXXX MISREPRESENTED TO THE COURT NOT ONLY 1 ) WHO INITIATED THE INITIAL CONTACT, 2 ) WHEN THIS CONTACT OCCURED, BUT ALSO 3 ) THE REASON WHY XXXX XXXX DID NOT APPEAR IN COURT FOR THE XX/XX/XXXX HEARING.

XXXX XXXX XXXX COMMUNICATION WITH XXXX XXXX  IS A VIOLATION OF RULE 1.8 ( CONFLICTS OF INTEREST ) AS MY CLIENT WAS 1 ) UNREPRESENTED, 2 ) WAS NOT GIVEN A REASONABLE TIME TO SEEK OUTSIDE COUNCIL, NOR 3 ) SIGED ANY WRITING WHICH WOULD ABSOLVE XXXX XXXX OF THIS CONFLICT.

PURSUANT TO RULE 1.8 OF THE INDIANA RULES OF PROFESSIONAL CONDUCT, XXXX XXXX XXXXS FORBIDDEN FROM SETTLING CLAIMS WITH UNREPRESENTED PARTIES WITHOUT MEETING THE WRITING REQUIREMENT AND GIVING A REASONABLE OPPORTUNITY FOR THE UNREPESENTED PARTY TO SEEK THE ADVICE OF INDEPENDENT LEGAL COUNSEL.
I have previously disputed this account on my credit reports, but for some reason, Real Time Solutions continue to report this unpaid balance of XXXX on my report. I am trying to qualify for a house and can not because this is being reported as a collection. I've written two letters and just received a response from RTS, they sent me documents which do not have my signature and it looks as though the letters were typed. I've asked them twice to give me something that has my signature, but they can not. Also, they indicated they mailed me a letter in XX/XX/2015, but I did not receive the letter. They also indicate a account number at a credit union which I didn't have. I am tired of writing letters back and forth with this company and would like this information removed from all 3 credit bureaus. Any assistance you can offer would be greatly appreciated.
53 Bank and their agency XXXX, XXXX allegedly violated the EFTA and 15 U.S.C. 1693 because they have not responded to my complaint timely and did n't inform me initially of what the process was. The tech, XXXX, was laconic.
In XX/XX/XXXX, I assumed ( through the VA Loan Assumption process ) the current loan. Just prior to the loan assumption process being complete, the previous owner filed for bankruptcy. Once the loan assumption process was complete, it was understood that the bankruptcy filing would not have an effect on me and would be removed from the loan due to the fact the previous owner who filed for bankruptcy was no longer on the loan nor listed on the deed. My attorney and I ( I have had to hire an attorney to try to resolve this issue ) have been in contact with the mortgage company since XX/XX/XXXX requesting that the bankruptcy status and any affiliation of such be removed as the mortgage company is/was reflecting my mortgage loan account as being in an active bankruptcy status as I have never filed for bankruptcy or ever been affiliated with any actions. The mortgage company has continuously given us the runaround, provided inaccurate information and this issue continues to go unresolved. 
To explain the attached documents is as follows : Attached documents reflect bankruptcy filing of previous owner, ongoing response reply finally in XX/XX/XXXX then followed on in XX/XX/XXXX stating that they agreed and confirmed I was not included in the bankruptcy filing and that my account would be removed from the active bankruptcy status effective XX/XX/XXXX. Upon follow-up to confirm this was removed on XX/XX/XXXX it was noted that my account was still listed in an active bankruptcy status and that no one was advised to remove this status from my account. On XX/XX/XXXX my attorney and I left a voicemail message to XXXX XXXX XXXX of Wells Fargo Customer Care and Recovery Group, advising her of the ongoing issue still requiring resolve and requesting her assistance and immediate feedback. The letter dated XX/XX/XXXX from my attorney was spawned in connection to the continued inaccurate information and lack of proper account update. On XX/XX/XXXX, Wells Fargo then mailed the attached letter which specified I was discharged from personal liability for this mortgage loan and that my loan was in default, stating I needed to bring the loan current with further language of we can not delay potential legal action, which may include foreclosure, and although you will not be personal liable for the debt, you will lose interest and rights to the property. This letter was inaccurate and quite displeasing to receive as my account was current, never late and the inaccuracies listed within the letter were abounded.
Our Mortgage Company XXXX tried to foreclose on our home. We were in Chapter XXXX and they went to the court and said we were not paying our mortgage and it left us unprotected and this predatory lender to then initiate foreclosure. However we paid them every month. And we proved our payments to them were cashed.

After paying a huge sum of money over {$14000.00} to save our home ( that we are still disputing ) they have written us back with made up accounting and made up letters they said they sent us. You see in Chapter XXXX they are not allowed to send you letters. So we know they falsified the letters. They would have gone to our attorney and the attorney has gotten no such letter. In one conversation they said they couldn't find us. Yet after that letters addressed to us appeared.

I am attaching a letter that details everything. We also have had two forensic accountants that went over everything and said their, XXXX, numbers are wrong. We are missing escrow money {$10000.00} plus and they said they paid our taxes when in fact we paid them all except one time. They paid the taxes which we sent the tax money in as well but the state kept theirs. I can provide the accountants spreadsheet if needed. I am really hoping you can help as it put so much stress on my husband and I that his XXXX XXXX has grown since his last visit. Thank God I had retirement to borrow against in the meantime but I want my money back. I want XXXX to right their wrong.

Thank you
XX/XX/XXXX I received an auto loan through Santander Consumer USA. The amount financed was {$14000.00}. The terms are {$350.00} per month for 60 months at 17.15 % interest. This loan has been deferred several times moving my maturity date XX/XX/XXXX. As of today, my loan is current, but there is a discrepency in the total of my remaining payments and what the finance company states the balance is. They are stating that the balance is {$8100.00}. I have 14 months left on my loan at {$350.00}, which totals {$5000.00}, leaving a {$3000.00} discrepancy. I contacted them and spoke with XXXX. She was extremely rude, stating this is a simple interest loan. She stated she would email me the payment history and I would have to speak with an accountant, then simply hung up on me. I contacted a Loan officer at my bank today who reviewed the information, and also saw this discrepancy. She told me to contact The Bureau of Consumer Financial Protection and Better Business Bureau, and file complaints.
Contacted BankofAmerica.Reference to Mortgage loan being delinquent. 
Entered into a short forbearance payment plan, to start on XXXX/XXXX/2014 with XXXX for 4 months. This would catch us up to current status at end of XX/XX/2014.Have submitted XXXX pmts of XXXX by transfer of our checking acct, Totaling XXXX to mortgage dept andstatements showing confirmation # Received and posted.to misc.posting But, due date notcorrected.On last pmt. to be made, We contacted BOA due to an emergency, Had to usedlast pmt funds .Come to find out loan xferred to other lender.With info. not being corrected. 
Nationstar working with us on modification of our mortgage loan, but, show us for XXXX pmts past due.Request, to locate funds.Where are our pmts? Even out interest and escrow acctsare wrong.Pls Help.
On XX/XX/2016 I got on XXXX airlines web sight to purchase a ticket. They had an offer with american express that if you applied and got approved for a credit card, you would receive XXXX dividend mile after you made a {$1000.00} in purchases and a {$50.00} credit after you made a purchase with XXXX. I applied and was approved right a way. They Emailed me my credit card account number. When I tried to purchase my ticket, ( minutes later ) the application wanted my XXXX digit pin number on the back of the card, I did n't have one. I called american express and told them and they said that I will have to wait until I get the card and that they did n't have it either. I bought the {$790.00} airline ticket with another credit card that day, because I did n't know how long it would take to get the card. I received my american express credit card statement today and I did n't see the {$50.00} credit on it. I called Amercian express and complainted about trying to make a puchase and could n't because I could n't get the pin Number and that I I had until XX/XX/XXXX to make a purchase through XXXX before the offer expired.. My complaint is I tried to make a purchase with Delta through their promotion american express credit card and could n't because they would n't give me the XXXX digit pin number to complete the transaction. I tried to get american express to extend that offer for another 3 month but they would n't. I do n't plan purchasing another airline ticket until XX/XX/XXXX at the earliest.
I have sent a letter to all 3 credit beaures on XX/XX/XXXX to ask them to contact and verify and validate the so call debt that is owed with this creditor they have failed to correctly validate that is so called debt is mine. Creditor is enhanced resource centers amount of {$510.00}. They have sent a bill, no contract with my signature within in the 30 days as in the FDCPA.
My home is going to be sold XXXX/XXXX/XXXX. I have been unable to get a modification for several years! I was in so many words, duped and a victim of predatory lending! My loan has changed more times than I can count. I worked seasonal for over 10 years and asked for a modification for my lay-off months and was ONLY adjusted by {$100.00}! In XXXX I became ill with XXXX and lost my job due to DOT requirement 's! I was Still UNABLE to get and adjustment or modification! I was paying {$900.00} for a XXXX bedroom that was listed as a XXXX for 6yrs. When they were notified NOONE seemed to do ANYTHING on my behalf! I just had to BITE the difference! Having SERVED my country, I now wonder several thing 's about the treatment of it 's veteran 's. If NOTHING ELSE, EVERY veteran SHOULD OWN A HOME!!!
Call to get the debt validated Collection company would not mail or email mail anything would not give me my account number XX/XX/2018 Reporting to my credit {$3100.00} does not have a contract with my signature. Company put a note on my account stating that this is my debt and i just do not want to pay Original Creditor : XXXX XXXX Second Creditor : Security Credit Services
XXXX XXXX sold me a heloc creditline forXXXX $ without telling me it was a mortgage, when I found out, I closed it, they charged me XXXX XXXX and it is still on my credit report as being owed and I am making Payments? 
I brought this to their attention, and they responded by telling me I had to find a new bank. XXXX XXXX wrote theletterfromXXXX, California. 
The problem is, as a XXXX, I need 6 months to make the changes with my insurance companies ( especially XXXX ). 
No written email or communication whythis has occurred has even been sent to me! 

I found out later they did this because I paid my home loan down and paid my two lines of credit off., so XXXX said they no longer make money on my account to the assistant branch manager whom told me. They are just trying to sell products, but do not care about the customer and do what they want without regulation.

They are based out of XXXX and do not follow the banking laws of the USA. 
Thank- You,
BBVA Compass Bank has changed my monthly mortgage amount every since loan origination. They estimated my property taxes based off of a parital year payment. When My monthly mortgage went down, I called them up and asked if there had been some mistake. I was assured that there was no mistake and that this was the correct amount for my mortgage escrow. 1 year later I had a {$10000.00} dollar shortage. The bank then blamed me for the mistake and I have been paying off the shortage over a spread of 5 years. Every year I have to submit new documents or the mortgage amount will go up ( which I have done every year ). I recently changed insurance providers and my premium is half of what it was. The bank removed the shortage spread ( even though I have a current shortage spread submitted to them in XX/XX/2016 ) and debited the new amount from my bank account. And so with a reduction with my insurance premium they have INCREASED my monthly payment, removed my shortage spread ( that I was alread approved for ) and debited the money from my bank account.
I XXXX XXXX was a student at XXXX College in 2016 XXXX class. I took a Naviet loan and signed a promisarry3 note to repay. No problem. I completed more than half my courses with 400 hours left to graduate. I had a issue with another student and they chose to dismisted me and kept the other student. This was at the end of module. I tried to resume back to complete my 400 of my 1200 hours and i was denied. Then i went to another XXXX  school thinking my 800 hours wpuld follow me XXXX College told me to gety official transcript from the website but i could not because they did not sign off on my hours because they claim i owed them {$4000.00}. i asked how i owe you when you got money from my student loan for this period and didnt give me a refund. They stated that they returned the loan. if i had not been contact by Naveit i wpuld not have lnown they robbed me. The loan department and FASA stated there was no return of money. This is on my credit report and im out of hpurs i actually put in and was denied to complete my education.