WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX is constantly calling My cell and House phone number is called multiple times a day at least 20,  they call all day Saturday and Sunday before XXXX on one Saturday morning, they leave threatening messages threatening legal action in a court case, They call after XXXX pXXXX, I have asked them to contact me in writing.
I have XXXX accounts accounts on my trans union report that are reporting incorrectly 1 bankruptcy not mine must be mixed file 2 nissisn infinity not mine mixed file 3 XXXX XXXX not mine
I consolidated XXXX credit accounts in XX/XX/2016 with XXXX. To the best of my knowledge, XXXX has consistently submitted the required minimum monthly payment to each creditor. I have utilized no credit in the interim. My last credit report ( XXXX ) indicates a 44 pt. drop ( XXXX ) and a 29 pt. drop ( XXXX ) in the past 7 days. Upon research, Capital One Credit retroactively reported three 90 - 119 day late payments for months XXXX - XX/XX/2016, despite clear documentation via XXXX to the contrary. Capital One has collected timely payments. This situation first occurred several months ago. After several conversations with Capital One representatives and a formal letter of dispute, it seemed to have been resolved. However, as of today my score and Capital One records are again indicating late payments. XXXX can only verify that payments have been made in a timely manner so, I 'm seeking third party assistance in resolving this situation.
Hello, I submitted a signed letter to Trans Union verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section XXXX to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Trans Union and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Trans Union an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.
We closed on an investment property in XXXX, TX in the beginning of XX/XX/2018. The original loan was for $ XXXX. The escrow should have already been set up at that point to cover all insurances, including flood insurance for the year. The original lender XXXX XXXX sold our mortgage to RoundPoint Mortgage in XX/XX/2018. 

RoundPoint on more than one occasion demonstrated terrible communication. They did not have various documents ( they kept asking for things over and over again via mail ), and did not acknowledge our new account until right before XXXX 's mortgage was due. This is relevant because they then over paid the flood insurance to FEMA in XXXX. They sent them an extra {$6200.00} from our escrow. 

RoundPoint did not inform me of their mistake. It was in fact, my insurance broker 's office ( XXXX XXXX ) who called me and told me that the mortgage servicing company had paid the flood insurance twice. FEMA sent us back an overpayment check. RoundPoint then sent me a statement in XXXX claiming escrow for the year was going to be short, and that for XXXX we were going to have to either send them {$10000.00}, or our monthly mortgage was going to increase by + $ XXXX/month. 

I called them and asked 1. ) Why was the flood insurance double paid?, and 2. ) How can the escrow be that much off when the loan is only a few months old?  Their response was literally, " these things happen '' and " you'd be surprised how often this sort of things happen. '' They gave no reason why the flood insurance was handled so poorly, or why the escrow was still apparently $ XXXX off from what was calculated for closing only a few months before. 

I have trouble getting them on the phone ( I'm on the XXXX coast, their offices on the XXXX coast ), and the website login doesn't give access to much account info at all. I sent the FEMA overpayment check back to RoundPoint to be put specifically into escrow but they have not informed me of any changes yet. I logged onto their terrible web interface and I see that the monthly mortgage has now been recalculated. 

So, in essence this is what happened : XX/XX/2018, close with a monthly mortgage payment of {$1700.00}. 
XX/XX/2018, loan sold to RoundPoint. 
XX/XX/2018, RoundPoint over paid flood insurance. 
XX/XX/2018, Round point says we were going to have to either send them ~ $ XXXX, or our monthly mortgage was going to increase by $ XXXX/month. 
XX/XX/2018, I get the FEMA overpayment back into escrow with RoundPoint. XX/XX/2018, RoundPoint recalculates our monthly mortgage payment to be {$2100.00}. 

Why are we being asked to pay ~ {$300.00} more a month when we only closed last XXXX? Why are they not taking responsibility for their mistake? I don't understand how the terms of the loan can change this much. I'm not sure what action to take now. 

Thank you, -XXXX XXXX
The XXXX XXXX XXXX XXXX is showing on my credit profile as derogatory and upon multiple request for validation Experian & XXXX Credit Reporting Agencies have failed to comply with FCRA laws and continue to inaccurately report this derogatory information to my credit file. As a law abiding tax paying citizen, it is undue hardship to be required to contiually exert my resources to correct this damage. There is no balance due to the XXXX XXXX XXXX XXXX or any of its collectiona agents or the XXXX XXXX XXXX on this over payment that has been inaccurately reported to my file. In addition in an even more desparate measure to remove this from derogatory burden I have not only paid the amount shown but additional fees attached and STILL to no AVAIL I received a letter from Experian stating the matter is valid and a balance still reports to my file. EVEN with attached proof and confirming with the XXXX and their collection agents who received the payment in excess of {$1000.00} dollars ( performace @ XXXX ext XXXX ) that there is no balance. What else can you do when even paying them causes such damage. I am emotionally distressed and directly damaged by this non sense that is keeping my children and family from having the home life that they so rightfully deserve. Please help if anyone is listening. See attached docs for reference ..
On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and XXXX. DITECH ref # XXXX.
XXXX   XXXX  in  XXXX  Va  XXXX  (  XXXX  )  XXXX  pulled and sent my credit information to multiple banks not only without my consent but after I plainly told them I was working with them and another dealer and I wasnt letting either pull my credit until I saw who gave me the best offer. Well I had bought a car from  XXXX  a few months back and they evidently pulled my old application and used my information to do a credit pull anyway probably thinking theyd force a sale on me. I called them and asked them to remove these illegeal inquiries and they refuse. I have the text messages from them where I plainly stated they in no way had my permission to pull my credit and that they better not pull my credit. The next day my credit monitoring showed they still did it. I called and they told me I have to call the bank directly I did and this bank made it clear they work with dealers not consumers I want this company held accountable.
I called Navient on XX/XX/2007 to ask if I can allocate my payment of {$800.00} a month to aggressively pay my two higher interest loans of 15 % and 11 %. They said I could and that I was able to do it on the site. I also asked if they could work with me on lowering my interest with these loans since I 've been making on-time payments for over a year. They said they could not negotiate. I explained that I am working XXXX jobs 7 days a week to try and afford my payments of {$800.00} and wish the payment would concentrate more on the higher interest loans. The monthly interest alone on these XXXX loans add up to {$400.00}. I financially planned to pay off compounding interest only on my other XXXX loans and to allocate the rest of the {$800.00} dollars to the other XXXX. Which is what I did online. It was simple. However, after the period closed, my loans were past due. I called Navient again on XX/XX/XXXX to clear this up. The representative named XXXX was very unhelpful. I told her that the previous representative misled me and if I would 've known that this would happen I would n't of done it. After an hour of unsucessfully talking to her ( of which I asked several times to speak with someone else ) she said that they would reallocate my payment to bring my account current. Then she surprised me by saying that I would still be {$40.00} delinquent which baffled me. I told her I payed {$800.00} which is what my bill said online. Where is this {$40.00} coming from. She could not explain. I told her that why would they say on the site what my payment should be if it 's not what it truly is? She could not explain this. Again I told her they are misleading and malicious. They are not willing to work with me. I have a full time career and a weekend job just to live and pay these ridiculous bills with interest so high I am buried in capitalized interest. After the phone call over a week ago I am getting phone calls informing me that I am delinquent. I 'm not even sure if they re allocated my payment to make it current because it has not shown on my account and I am getting voicemails while I 'm at work. The representative could not help me. It 's a dead end. It does n't help that she did not speak good XXXX and continued to contradict herself and misinform me. Navient has not made an effort to help me with my loans despite my good standing and pro-activity.
Dear Consumer Financial Protection Bureau, This is in regards to Seterus not following through with providing me a copy of the Deed of Reconveyance and the correction of my credit file with the XXXX credit bureaus in a timely manner. I have been calling and have sent letters to Seterus since XXXX XXXX letting them know that the loan was paid in full before the loan was transferred to them. In addition, Seterus as sent letters to me in response to my letter and complaints XXXX XXXX regarding that they are aware of the situation and will process my request accordingly. It has been over 8 months since they said they would process the Deed of XXXX and correct my credit file with XXXX. Furthermore, as a result of this, I ca n't sell or refinance my home and my credit has suffered tremendously. Finally, I would like Seturs to send proper documentation, which is a Deed of Reconveyance to XXXX XXXX of XXXX that the loan was paid in full and to correct the negative reporting on my credit reports from year XXXX to XXXX as soon as possible and so that I do n't lose on any gains. Thank you in advance for your assistance. Should you have any questions, please contact XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you.
I have credit inquiries on my credit report from XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
I have contacted XXXX and Equifax as well as XXXX several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company XXXX, claims they have sent XXXX and Equifax information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.
I have asked RS Clark and Associate to remove this from my credit report back in XX/XX/2014. I never got a respond back from RS Clark Associate. Original Balance {$53.00} and Highest {$0.00} Balance.And Status : Chapter XXXX Bankruptcy Dismissed. It's need to be removed from my credit reports.
XXXX  has been non-compliant with removing the unverified account WF/XXXX   XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that WF/XXXX  was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
This company always lets our homeowners insurance lapse, we have never been late or faulty with our payments. Our payment includes escrow. This is the second time it has happened. When we call them ( the mortgage co ) they blame the insurance company. When I call the insurance company they blame the mortgage company. Nevertheless here we sit in a house without homeowners insurance.
Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX Military '' has not been removed off my Equifax Credit Report.!
People I know are getting phonecalls that this phone number keeps calling them looking for me. If they have my address, DOB, SSN and name why do n't they just contact me. I work during regular business hours so I can not pick up my phone calls all the time unless its an emergency with my children from school. But for them to be calling my brothers, sisters, cousins that 's not right and it 's embarrassing. I know that I have debt but how can I know who to contact if their agency keeps selling off my file to a new agency and the new agency is calling my entire family when I do n't even live in the same town as them. I pay attention to my voicemails and my mail I receive at home. But multiple phone calls everyday to my family members is a little excessive when trying to pursue a debt collection - it 's just annoying and as a consumer I am upset from the embarrassment of being in financial debt that I do n't even want to work with them.
These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX XXXX XX/XX/XXXX.
DISCOVER BANK IS REPORTING DELINQUENCIES OF 30 AND 60 DAYS ON MY CONSUMER REPORT. IT HAS DAMAGED NY CREDIT SCORE BY   XXXX   POINTS.
I CALLED THEM AND THEY SAID THERE ARE NO SUCH ITEMS BEING REPORTED.
HOW DOES THIS GET FIXED? THE   XXXX   BUREAUS SHOW IT. DISCOVER SAID IT IS N'T SO.
On XX/XX/XXXX my wife and I ( XXXX and XXXX XXXX ) discussed a temporary account to open for {$600000.00}. with Wells Fargo Banker XXXX XXXX, his telephone number XXXX ( Store number XXXX, Officer number XXXX ). We explained that we did not want to tie the money up because we wanted to have it available in case we needed it. XXXX XXXX assured us the account we were requesting was new and there would be no penalty if we needed the money. The conversation that took place in XXXX XXXX 's office did not correspond with the paperwork we were given and I explained to him again that I did not want a CD, he assured me again that this was something new and there would not be a penalty if I decided to withdraw the money. 

On XX/XX/XXXX we went to another Wells Fargo to close the account and we were told there would be {$3300.00}. penalty because of early withdrawal. 

We filed a complaint with Wells Fargo Bank and we were informed that we would not be reimbursed for the {$3300.00}.
I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX however Equifax and XXXX it is still reporting. These bankruptcies do not belong to me and should be removed from my reports
In XXXX 2015 I tried to pay some of the past due amount on my loan and the bank REFUSED TO ACCEPT MY PAYMENTS. Since then I have tried relentlessly to get assistance from Wells Fargo on my past due balance. I fell behind last year, after a car accident and having to close my business. In XXXX 2015 I received a conditional approval thru Keep Your Home California and was told by Keep Your Home California I needed Wells Fargo to also assist in order to be approved for the program. I submitted everything to Wells multiple times and they would give me different excuses everytime. First they said I didnt make enough, then they said I made too much, now they are using different ratios than what they told me before. I have received conflicting information from them and they completely ignored the assistance I could have received from Keep Your Home California that could have helped me catch up! I was told by their Manager XXXX XXXX that he didnt have time to talk to me as he was busy interviewing people becasue they needed more people to answer the phones. He also told me they werent going to help me and that I should have savings in the bank like he did, because Wells Fargo pays him very well. He also stated that my situation would not improve no matter what they did for me! I explained to him he didnt need to speak to me in that manner and that I was simply trying to catch up. My partner had also been in an accident and had been on XXXX but things were getting better for us. I have always had good credit and worked hard and we were simply having a setback and needed help. I explained to him that things were still trying to improve here in California. I have provided everything they have asked for and they are still giving me the run around, each time giving me different criteria, and playing with the numbers/ratios. I feel im being discriminated against, and am not sure why. Im simply asking for a solution/plan to pay the past due balance owed. I was told yesterday that they could start foreclosure proceedings anytime if they felt like it and depending on how she was documenting my file-I 'm still working with Keep Your Home California for assistance HELP!!!!!!!!
We refinanced a house in XXXX of XXXX. Our Bank of America mortgage was sold at that time and the account closed. As of XXXX XXXX they are still reporting late payments. The account even says closed XXXX. We discovered this in XXXX of XXXX and asked them to accurately report. They have not done so. I am trying to purchase a new home and this is still an issue. They wo n't return calls or fix the issue.
I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company.
I need XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX to stop adding these frivolous debts onto my reports. I dispute them and prove they are not mine, then it will be removed by the credit bur 's, then they pop back on my report the next month or two later. Stop! Also they break HIPPA laws by placing medical records on my report too! They are n't even my records and these debt company 's ca n't prove it, so they wait until next month then report again, after the bureaus remove them. Stop reporting inaccurate information it 's illegal! XXXX aka XXXX XXXX XXXX ( 4 debts aprx XXXX $ ), XXXX aka XXXX XXXX ( 1 debt XXXX $ ), XXXX XXXX XXXX ( 1 debt XXXX $ ) and XXXX XXXX XXXX ( 2 debts XXXX $ ) are reporting inaccuracies on my report. Total of 7 collections- I have had them removed several times, and then the next month they will pop back up to show on my report as a debt owed dropping my score down over 100 points. XXXX and XXXX have removed these from my reports in the past and are ALOT easier to deal with than EQ, Equifax had removed only XXXX 4 debts from my report after several requests for disputes but they never sent any paperwork showing it and now it keep coming back on Equifax and XXXX and XXXX report. It 's like a never ending cycle- I 'll call the 3B and tell them these debts are not valid- the 3B may not remove them, or they will remove them and the next month these debtees will place them back on my 3 reports and it will take a month to have it removed again or it remains on my report. It is medical bills that I do n't owe and they have the name of the Dr 's and  clinics- is n't that illegal and violating Hippa ? I keep disputing, I 'll have a dispute opened and then another collection agency will add something totally new, and I 'll have to dispute it again. EQ never gives me results of my disputes and takes the LONGEST. Stuff just disappears from there reports with no paperwork proving it was deleted officially. It 's a juggling act at this point. XXXX has been so much better at keeping these inaccuracies off my report. I am waiting on 3 more XXXX debts to be re-deleted form XXXX, the first one that popped up on XXXX they had it off the very same day it popped up when I called, the next day XXXX placed 3 more deleted debts back on XXXX report. We will see what happens. Equifax does n't do anything like the other two do. They are slow to respond, and never send proof they deleted, disputes go unheard unanswered and forgotten. That 's why I have no paperwork from results of disputes to submit on this complaint from EQ because they never give me any! I called EQ today and was hung up on after being placed on hold for half hour- While trying to dispute XXXX , XXXX and XXXX XXXX XXXX. Meanwhile at least the other two XXXX and XXXX are trying to help me I feel like EQ just does n't care. All these debts I am talking about has been deleted at one point, and re-added. Please somebody help make these many inaccuracies go away for GOOD, ONCE AND FOR ALL OFF ALL 3 REPORTS SIMULTANEOUSLY. It 's a juggling act and I 'm not going to stop until it is corrected!
I have been speaking to   XXXX   in the fraud department at capital one. I have sent several documents. There is an account that was opened in   XX/XX/XXXX  tha t was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. O n  XX/XX/XXXX  I sent  in    3 bills, 2 water and one car insurance bill. I received proof that it was received. I waited to hear  back from   XXXX   and after 30 days she did not respond so I sent her a letter on   XX/XX/XXXX  th at I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.