WillisBack/dataset-financial-user-claim huggingface dataset:
I am dealing with an estate situation, the servicer is not working with third party authorized due to pending litigation.

There is no litigation, there is no attorney, they are holding our loan resolution hostage by not cooperating with our third party. the communication is lackluster, we are forced to deal with the banks attorney and its not easy, they don't get back to you fast. We have tried to get the file out of litigation, they can not provide us with an attorney name ... an attorney who is supposedly representing us, so that we can't even fire a fictitious attorney ... ... when we call directly they will not furnish us with any information.
XXXX XXXX XXXXXXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.
I paid XXXX {$3000.00} for foreclosure help and a loan modification. They have done nothing.
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as possible. Thank you.
In XXXX I started working with Amerisave Mortgage to refinance my existing mortgage with a view to lowering my monthly payment. I eventually received a lock-in rate of 3 % with a monthly payment including taxes and homeowners insurance of about {$1800.00} to {$1900.00}. I have been trying, unsuccessfully, to establish a closing date and Amerisave now wants over {$7000.00} in cash at the closing. We did have a date but Amerisave now denies any knowledge of this. In XXXX I disgustedly told Amerisave to refund what I had paid for an appraisal ( {$420.00} ). They were supposed to call me back on XXXX. They never did. I would like them to to make the loan on the terms they described to me. I have tried to deal with other mortgage companies but they can not offer me the same terms because of fluctuations in the market.
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
On or about XXXX XXXX, 2016, I elected to open an account with PNC Bank. I was told I would receive a bonus of {$300.00} if the following requirements were met by 60 days : Deposit {$5000.00}, make XXXX debit transactions and send a payment for any amount. I checked with the bank in XX/XX/XXXX after completing the requirements. I was told the requirements were met and the bonus will be added to my checking account. At 60 days, I contacted the bank to check the status and was told the bonus was not attached to the account. The bonus would be in my account no later than XXXX, XXXX, 2016. I called the bank and was told I did not qualify because the {$5000.00} was simply deposited at a branch and the bonus required a business check. I feel deceived because the bank held my money and now refuses to honor the bonus. Adding insult, the bank will charge my account {$25.00} to close the account because 180 day has not elapsed. The marketing rules for the bonus were not fully discloseddisclosed!!
I purchased a home in XX/XX/XXXX with a cash purchase with a settlement from a accident. I lost my husband and XXXX. In about XX/XX/XXXX I got a loan from America General for about XXXX and it grew to XXXX 7 years. Not sure how the loan grew because I was under Doctors care and taking strong pain medication. Made payments on time but never saw the debt reducing. Then I lost my sister who was helping me pay bills and in and out of the hospital myself for months at a time. So I got my niece involved and starting asking for documents to show how the loan grew once it was brought by Springleaf Financial. We was told that all paperwork was in the archives and no one never got back to us after being told they would collect the information. Then months later debt was brought by another company, then another company which now XXXX XXXX XXXX has it, since XX/XX/XXXX. Now I 'm dealing with trying to keep my home from Foreclosure for the amount of XXXX. I really do n't clearly understand how the loan grew to be so large, not sure if the medication caused me not to remember, but I do n't recall borrowing up to XXXX.At the time I was n't sure of what kind of loan I had. Then Springleaf never got the requested paperwork that I ask the branch manager to get for me. I do recall going back a couple of times for small loans never no more than XXXX at a time. But I 'm not absolutely sure that I borrowed up to XXXX. And all the years Ive paid on it, it never decreased. I 'm on a fixed income receiving my XXXX and my late husband '' s. I get a total of XXXX a month.
Citibank , N.A . continues to circumvent the CFPB process by sending me letters related to open complaints ( see complaint # XXXX ) while refusing to upload the responses to the CFPB. While the letter I 've attached from Citi purports to show that the CFPB was carbon copied, the letter was never attached to the open complaint. As I have stated in the prior complaint, my identity was stolen by my deceased husband to open the Citi credit card. I have asked for the signed application or anything that would show I opened the card and was told that it no-longer exists. After several months of back and forth, I received a letter with copies of XXXX checks that I signed that says " I acknowledged the debt. '' During my husband 's XXXX he spend nearly 30 days, split up over several overnight inpatient stays, to have multiple XXXX in the last year of his life. I 'll reiterate that my husband handled all financial and banking issues during our 40 year marriage. The XXXX checks Citi provided with my signature ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) all correspond to dates that my husband was in XXXX recovering from XXXX. During those inpatient hospital stays my deceased husband was XXXX he was unable to sign his name and write. For this reason alone, he asked me to bring his checks to the hospital, indicated who should get checks and for what amount, and asked me to sign the checks on his behalf. At no time did my deceased husband explain to me what the checks were for - I was just following his instructions while he was in the hospital. The concept that my signature on these XXXX checks in this specific situation would " acknowledge the debt '' and make me liable for his obligations is utterly absurd. I have already filed an FTC Identity Theft Affidavit that was signed and acknowledged before a XXXX County, Maryland police officer. As I have repeatedly indicated, I will do this again if Citi requires yet another statement my me under oath that the Citi credit card was never mine.
A Collection Agency named XXXX XXXX XXXX is falsely reporting to Experian XXXX alleged debts owed to a XXXX Timeshare company that I do not owe. I have attached a letter of explanation concerning why these alleged debts are not valid, along with supporting documentation. It also explains how both the XXXX Timeshare company and their collection agency are attempting to extort money from me to pay them money I do not owe by damaging my credit on Experian ; and then refusing to remove the negative reports unless I pay them. 

I have subsequently have been forced to hire a credit restoration specialist to help rectify this matter. They wrote Experian on my behalf XXXX formal letters on XXXX XXXX, 2016 ( both are included in Exhibit A of the attached document ), requesting financial documentation ; with notice that failure to these documents for this legally disputed account will serve as proof that it is not a valid debt ( copies of both letters are also attached ). The letter further stated that if they failed to respond Act to this legally requested validation of debt within the prescribed 30 day period under the Fair Credit Reporting, all references to XXXX XXXX XXXX account # XXXX be deleted from all credit bureaus, including but not limited to XXXX, Experian and XXXX. 

As of XXXX XXXX, 2016, 60 days later, Experian has both failed to respond to this request and remove the negative entries from my credit report. As a result they are enabling XXXX XXXX XXXX and the XXXX Timeshare company to continue this extortion.
They call repeatedly every day while I 'm at work. They have been notified multiple time to stop. They refuse to identify themselves. The information of who this is is based on XXXX searches from the phone number they call from.
I co-signed for an extended family member to get an apartment for he and his XXXX small children. He did not pay the rent. He was evicted. The debt to the apartment complex was put in to collections with IQ Data Collection and I have been harassed by them for two years. Yesterday I contacted them to get payoff information and I was told they would settle for {$.00} on a dollar but would not remove it from my credit report, unless I paid them {$.00} on a dollar. That does not seem legal to me. That is blackmail or extortion. Help, I want to settle this debt and get my good credit back.
XX/XX/2015, I became aware that a merchant had defrauded me on ten occassions. I contacted the Chase Credit Card Company on XXXX XXXX, 2015 and informed them of the fraud. I submitted my documentation to Chase and was able to resolve XXXX of the fraudulent transactions, but Chase continues to deny me XXXX of them. The first charge Chase ignores, denies the next XXXX, and grants the next XXXX by giving me a credit to my card. I have written a total of four letters to them without any understandable explanation as to their actions. They admit in their denial letters that they never were able to reach the merchant, but ignore the fact that the merchant went out of business and is now in bankruptcy court in XXXX XXXX, California. They never address why they credited me for XXXX, ignored XXXX, and denied XXXX.
EVERYTIME XXXX XXXX CUSTOMER CALL FOR NEW SERVICE, EQUIFAX ALLOWS XXXX UNLIMIT HARD PULLS PER XXXX. ALSO, XXXX SELLS ALL ITS COLLECTION ACCOUNT TO UP TO 10 COLLECTION AGECIES.
After successfully working with the bank to modify my mortgage, the institution came back with a payment plan that included an initial {$64000.00} dollar payment in order to qualify. The reason for this astronomical payment -according to the bank- is that the investor is not willing to work with the bank to offer the help I should because my mortgage is an XXXX loan.
On XX/XX/2017, we contacted 1File.org in order to inquire about loan consolidation. During the initial consultation with XXXX XXXX, he was very helpful, but misleading. XXXX told us that the {$280.00} payment that was to be made three times was to go towards unpaid interest on our current loans. After that, our monthly payment was {$46.00} ( {$39.00} toward their fee and {$7.00} toward the loan ). After paying our three {$280.00} payments, they took from our account {$39.00}, not {$46.00}. Meanwhile, we are being contacted by XXXX XXXX in regards to late payment. We found out that we owed XXXX XXXX {$56.00} every month for our consolidated student loans. After contacting 1File, we were informed that the three payments of {$280.00} was a fee and not an unpaid interest payment toward our original loans. In addition, they take their fee of {$39.00}, but then we are responsible to pay XXXX XXXX. XXXX told us that 1File would distribute the {$7.00} for us. Also, I don't know where they came up with {$7.00} as a minimum payment because XXXX XXXX requires {$56.00}. So now, I am paying interest on top of consolidated interest. This is a complete scam. They lie to you and then charge you. This process can be done for free. Why would anyone in their right mind pay {$840.00} to have someone file paperwork for them? They would if they were told that it wasn't a fee but an unpaid interest payment instead. They will try to say that we agreed to everything via a recording, but what they don't have is all of the conversation before the recording where XXXX talks fast and then we respond " yes '' going off of the previous conversations.
I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there.
Debt was discharged in CH-XXXX Bankruptcy XX/XX/XXXX2015. Creditor sent debt to AFNI, INC. collection on XX/XX/XXXX2015, AFNI reported deragatory information to CRA 's in XXXX 2015. Creditor and Collection agency are in Violation of US Bankruptcy code. Collection agency will not REMOVE from CRA 's. As per law a crditor or collection agency can not report or try to collect a debt after the Bankruptcy has been filed and or discharged.
Re : Chase Visa XXXX, BA Executive Club XXXXDear people : I have a Visa card, referenced above, issued by Chase, that awards British Airways points for spending. The statement generates on the XX/XX/XXXX of each month and normally the points are posted by British Airways by around the XX/XX/XXXX of the month. This month, the XXXX XXXX statement points already have posted and today is only XXXX XXXX. 

However, the XX/XX/XXXX points ( Visa statement attached ) never posted. 

When I call British Airways, they tell me to talk to Chase. When I talk to Chase, they tell me to talk to British Airways. It seems that somewhere in the bank, my points are stuck in some sort of limbo and I am feeling like a tennis ball going back and forth between the XXXX of them. 

Can you convince Chase to make certain these points are sent to British Airways for me?
I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}
On XXXX XXXX, I discovered an account from Account Services Collections on my credit reports. I contacted them and they agreed to remove this from my reports if I paid the account in full. I paid the account. They sent a receipt and a letter stating that they had requested it be removed from my XXXX, XXXX and XXXX reports. It has not been removed from either XXXX or XXXX as of XXXX XXXX, I disputed the account with XXXX and Account Services Collection verified the account and updated the account to " Paid ''. This was not what was agreed upon. 

They have used false and misleading statements in order to get me to pay this account in violation of the FDCPA.
My current address shows as XXXX XXXX XXXX XXXX XXXX, CA XXXX. It should be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
A man called from a company called RMB - which I am not familiar with - and asked me to verify the last XXXX digits of my social security number. I asked why. He said " it is a personal matter. '' He told me the last XXXX digits of my social and again asked me to verify that those were mine. I again said, " why do you want to know? He said, " it is a personal matter. '' I told him I would not verify, so he hung up. My husband called the number and spoke with someone there who would still not disclose why they called me. Or what the business matter was. I only know they are a debt collector because I looked up the company online. At no point did the caller identify himself as a debt collector and he revealed my personal information without verifying who he was talking to. I am wondering if this company is legit.
I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. I have submitted various dispute with the credit bureaus and this company has sent a response back as the debt being verified. However, this company failed to validate my request.
I have written EOS CCA dispiting this and asking for validation. They do not respond but keep mailing me settlement offers. This is not mine and I demand they cease and desist collections efforts, remove this from their database, and they best not be reporting this to the credit bureaus ; if so they MUST delete it!!
This debt collector has successfully garnished my wages on my first job in six years, without notifying me that 1 ) I was being sued 2 ) had a court date 3 ) served me at an address that I had n't lived at for several years nor that I had the right to dispute. Lastly, I had a clear title to the vehicle that they are claiming to be collecting on.
I have a XXXX degree from XXXX ( XXXX, OH ) and XXXX from the XXXX. During my education period, XXXX managed my student loans and then my loans were acquired by Navient Solutions , Inc . Overtime, my loan has balooned to over {$140000.00}. Accordingly, Navient graciously placed my loans in forebearance ( time & time again ) while I continued to seek alternate means to repay my student debt. Research after research on various student loan plans, I contacted Navient to inquire about the Income Base program. Again, they graciously enrolled me into the Income Based program, which resulted in payments of aproximately {$1300.00}, which again, I could not afford to pay. The {$1300.00} payment was based on both mine and my husband 's income. I immediately notified Navient to inform them that my husband too had student loans with Navient and XXXX. Thus, my payment was reduced to {$900.00}. I am currently XXXX years old soon to turn XXXX in XXXX 2017. My student debt has placed a burden on my marriage and my health. I can not retire, tried working a parttime job for two years at a retail store because of my student loan debt. I have worked for the XXXX for 17-years and currently I 'm employed in XXXX over the past 9-years. Again, after future research on my part, I have learned about the Student Loan Forgiveness program and have successfully applied. I recently received notice by Navient that the U.S. Department of Education will soon transfer the customer service of my federal student loan account to XXXX. I 'm still in the unsure if I 'll be able to meet the repayment plan, but hopefully I 'm on the right track to repay the enormous student debt. If there are better options available to me, please, I need all the assistance I can get! Thank you
XX/XX/XXXX I received an alert on my credit file that a collection account had been added to my XXXX  credit report. I did not and still do not have any knowledge of any collections. A debt collection letter was never received and I did not have any pending bills or collections in XX/XX/XXXX (  which is what the collection agency ( XXXX XXXX ) is reporting. I immediately disputed the account and collection upon notice to the only reporting agency at the time, XXXX, and they deleted the unknown account and updated my credit report file on XX/XX/XXXX. After XXXX deleted the account, the creditor began reporting the account with Experian. The account with Experian was disputed and they refuse to delete it, even though XXXX agrees it is an unknown account, and it was never being reported on Experian until after the XX/XX/XXXX. I want the collection removed from my credit reports, because I never opened an account, paid any monies to, or began any agreement with a collection agency. The information is inaccurate.
Transworld Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
complaint XXXX about XXXX  - the company is responding never received previously disputed inaccurate information complaints- on several occasions disputed items have been mailed out and sent electronically Experian XXXX is reporting inaccurate information and has been previously notified. The company refuses to remove the inaccurate information sending response that claims have been verified as accurate. Experian is reporting old/inaccurate information
did not receive proper interest for days accrued during grace period. was told by my premier manager XXXX XXXX what the amount of interest I should have received was but did not receive. according to citizens bank XXXX was no longer at the bank. they told me the account dropped to 0.05.On a cd account. should have received 1.54 percent. Was told by XXXX XXXX the amount was XXXX. 
instead received 1.52. Spoke to branch manager XXXX XXXX and was told someone would get back to me. that was one week ago and still no one called to resolve this. Very unprofessional bank. every manger I have delt with is always gone. I am told different answers by everone. Deceitful practices and no one has the courtesy to call back in a timely manner.
I was involved in a car accident on XXXX. My car was a total loss. I contacted Capital One Auto right away. The balance remaining at date of loss was {$16000.00}. The Insurance Company sent a payment of {$11000.00} on XXXX, the value of the vehicle .Capital One held the payment until XXXX. I called everyday, and was told there was no payment. The Gap Insurance sent a payment of {$4300.00} on XXXX. Capital One did not process that payment until XXXX. Now, I am told I have a balance. I do not wish to pay the balance. Capital One, held the payments to charge me additional interest and fees .. Capital One states balance of {$260.00}. PLEASE HELP.