WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2016 we lost out on a short sale buyer for our home due to Select Portfolio Servicing Companies customer service department not providing updates to the real estate agents for the buyer and seller in a timely manner. The poor communication caused the seller, myself, who has Select Portfolio as my loan servicer to lose the sale ; the buyers pulled out of the deal. A complaint was filed with CFPB by myself based on SPS loan servicing issues. I was contacted by theOmbudsman office who did not relive the complaint but stated that all we would need to do was obtain another buyers contract and we could submit all paperwork to their office to prevent the same issue happening again. Another contract was obtained and all of the paperwork was submitted on XXXX XXXX, 2016. I soon received communication from SPS that they did not have a HUD1 on file. After communication with Ombudsman it appeared that they had the correct paperwork the entire time, once again delaying the review process due to their negligence in reading the paperwork. Two weeks into a review SPS decided to do a second BPO which they did not inform us in the beginning they would need. Now that they have a fully signed contract with everything they need they have come back and said that they are counter offering for a higher amount, once again possibly causing our seller to back out of the deal. The offer was made by the seller due to SPS stating to the sellers real estate agent that they only wanted XXXX from the sale. With the newly submitted a contract they would be getting the amount they said they wanted. Now SPS is stating that the XXXX came back at XXXX and they are now requesting more money. It appears that each time Select Portfolio gets all the information they need, they either wait too long to update files causing the sellers to pull out or they find another loophole to prevent the short sale from happening. Each time the sellers provide everything SPS request SPS finds a way to compromise the short sale. The sellers are now at risk of being sued by the buyer due to breach of contract because the buyer make their offer and the XXXX that SPS initially approved. The buyers have completed all inspections and appraisals and select portfolio is now compromising the new contract. The home is not worth the XXXX BPO that was completed by XXXX XXXX. We would also request select portfolio provide to us as the counters all information that supports the XXXX XXXX along with approving and excepting the current contract for short sale. The current XXXX of XXXX SPS is choosing to use now does not accurately represent the worth of the home. When the home was initially listed 9 months ago it was listed in the XXXX range there were no offers the home has been on the market three months short of a year and did not get any offers until the price was lowered to the short sale price. There have been numerous showings on the home that resulted in no offers this information can be validated and obtained from the sellers real estate agent.
XXXX XXXX had XX/XX/XXXX {$65.00} fraud on debit card from malware XX/XX/XXXX Card Purchase XXXX XXXX XXXX IL Card XXXX XXXX XX/XX/XXXX {$38.00} XXXX XXXX both immediately permanently or be sued chase yes or no customer service is the pits
I have written to Synchrony Bank/Care Credit on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an  account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.
Equifax Information Services , LLC . refuses to send a updated and corrected copy of my consumer credit report and file to XXXX, XXXX and XXXX , XXXX. 
The XXXX National Consumer Credit Reporting agencies ...
I am a XXXX XXXX old unemployed and XXXX individual who is trying to start up a new business. It would be a consulting business run by my sons and using my years of experience and lessons learned to advise organizations on how to quickly solve ongoing problems while making their employees happy. 

I started to organize the new business, never having owned my own business before, by using on-line companies who help new businesses get started. I started by using XXXX to create an LLC. They recommended using XXXX to do the accounting work for my new business. Then It was recommended that I use Bank of America 's Small Business Banking Services to help me start using XXXX XXXX ( which was new to me ) and Checking. So I contacted them explaining I had never had my own business before and was n't sure what to do. 

Bank of America had me talk to a number of people in different departments to get started, but it was a confusing and complicated process, and I was never sure what was going on, and told them so. Then, having conducted no business at all with them or anyone connected to them, Bank of America sent me a notice that I had overdrawn my account and owed them money. I tried calling to clear up this error on their part but kept getting transferred to other people. Now I have a bill in the mail saying I still owe them for overdrawing my account. I am attaching their latest warning with this application for help. 

Thank you very much. 

XXXX XXXX
Your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The LMP was submitted to the lender on    XXXX / XXXX /  XXXX   - the lender has been requesting additional docs since the submission of the LMP - a missing items letter has never been sent or received- on  XXXX   XXXX ,   XXXX   we were advised the file showed all docs and it was being escalated for review - on  XXXX   XXXX ,   XXXX   the lender informed us when  XXXX  called that their was something else that was needed for the review - the requested hardship affidavit was submitted the same day - the sale date is still set on this file for  XXXX / XXXX /  XXXX   which should be placed on hold for this review
XXXX is my last name my loan is under XXXX they have sent me paperwork wit XXXX ... I was never able to get that resolved my loan number is XXXX XXXX I have three payment left on a 5 yrs automobile loan I made a payment on line some how they did not receive the payment via internet I received a call that I was late and would I like to make a payment I told them that I had and the gentleman told that they did not have one on record ... I offered a credit card and figured I could figure this out with my bank ... this was the 2nd occurrence with this bank I get a call the next day from a toll free number stating it was the bank I wanted to get the issue fixed so not to ding my credit I got a recording from from this toll free number stating all the customer service representative were bus and to call back btn and it gave hours of operatation ... another customer service rep called and told me I owed $ XXXX to my loan ... I asked what he was looking at and he told me that was for XXXX and XXXX I told him i only wanted to make the {$380.00} at this time that I had a commission check coming in and would pay the whole loan off in early XXXX ... I had two subsequent calls after that stating that the money was returned to my bank ... so back to my bank I went to find out they took the $ XXXX out of my bank and there was not funds for them to take the $ XXXX I called back requested a manger one to pay the loan get the late fees reverted and to pay my banks fees ( the women I spoke to told me to get a letter of the fees from my bank ) I was told that my account was going to XXXX a manager and I would be taken care of to this point I have a letter from my bank I have a call from thier toll free number but no one on their side would answer when I said hello..to call into the bank it is a night mare to get any one I went to their governance page and asked for a couple of those individual on the page I was told by customer service that they could not offer me that information Oh so I TRIED TO MAKE A PAYMENT THIS MORNING on the internet and coud not make the {$39000.00} was told to call customer service and so far XXXX has been over 45 minutes to get someone to talk to ... 
I was told they would review the recorded conversation and get back with me that never happened i just want the fees reverted ... letter that they did not mess with my credit score and loan paid off there are so many layers to this bank you can not reach someone who will run with issue
I am having and still is having issue with the XXXX Credit Bureau for the last two years. I have been told that I have to provide information in order to Requested my credit reports and all I get is nothing. I have sent Experian XXXX the information that was requested in order for me to receive my free annual credit report and I have yet to receive my credit reports from either XXXX of theses agencies. I feel like some XXXX with in these agencies are monitoring my credit report. I also believe that XXXX, Experian and XXXX has been issuing my credit report to somebody else other then me I also have belief that my information is being sold through XXXX and Experian there is no reason why I am being Deny my rights to my free credit report every year. I feel like my EUAL RIGHTS ARE BE VIOLATED AND I PLAN TO TAKE THIS AS FAR as I can I also believe that these company in General has share my information with my employer and several others with out my permission. every time I request my report they come up with that same line that I did n't provide enough information well how much is enough. I had enough!!!! I feel like your company is challenging me to legal battle see I only see what I think you are doing and I am aware as long as negative marks remain you are less likely to obtain fair market rates also I understand you carless because its big business for the Credit Bureau to deny you a report then because you need it you will pay for it is the thought I believe
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX XXXX
Had fraudulent charges made on card. Disputed with bank, and they have removed charges. Account balance now XXXX, but still being reported overdue with an outstanding balance by Transunion.
On XX/XX/XXXX I had to be taken to the emergency department at our local hospital. After being seen and released with not resolution, I started a dispute with the hospital stating that I had not received proper care. As of XX/XX/XXXX, the case was still under investigation by the patient services at the hospital. It was n't until after the Collection was added to my credit profile that the dispute was resolved. Collection Recovery did not send me any notification of this and they also reported to the credit bureaus ( XX/XX/XXXX ) prior to the XXXX XXXX XXXX XXXX agreement of waiting 180 days before reporting medical debts and prior to the resolution of the original dispute with the hospital. During the dispute with the hospital, I was told that all debt owed for the visit was part of the dispute and that there were no other bills associated with the visit. I did not find out that the hospital had separated the hospital bill from the physicians ' charges until I received an alert from my credit monitoring that Choice Recovery had put a collection on my profile. Immediately after finding out, I called the original creditor listed, XXXX XXXX XXXX and while on the phone with them I paid the {$24.00}. But Choice Recovery reports that I paid them, which is not the truth. I paid XXXX XXXX XXXX while on the phone with their customer service. If they accepted the payment on behalf of Choice Recovery, I should have been told that was the case. Since then insurance has reimbursed me for the expense of paying this out of my pocket. If insurance paid for this, whether prior to their reporting or after, they still should not list it on my credit profiles according to the XXXX XXXX XXXX XXXX agreement. The processed used by Choice Recovery of reporting to the credit bureaus without providing a notice to the consumer is in violation of the Fair Credit Reporting Act as well. A complaint has also been filed with the Ohio XXXX XXXX office and the local BBB agencies. I have called the original creditor, XXXX XXXX XXXX many times and have been told that they have requested to Choice Recovery to remove the entry because they have verified that I wasNOT notified of the debt. However, Choice Recovery is still reporting this to the credit bureaus.
Caller stating co name as First Recovery called abd left msgs with my family member. I called the number back using case # XXXX provided by msg. Their number which did not state a company name XXXX. They said I had XXXX cases out on me, said i would be arrested at my job. They claim it was for an outstanding payday loan that I know nothing of. That asked me to verify my ss #. They claimed they wouls send the police to my jon. I asked for company unfo. They hung up on me. I called back for a fax number and was given XXXX. I said i wanted to send simething in wtiting to not call mt family or job to send info by mail. They hung up in me and continue to call.
There are inquires on my credit report that i did not make and its keeping me from obtaining credit can you please remove them i have children to feed and its making me struggle to put food on the table. Can you please be so kind as to remove these incorrect inquires because i didn't approve them
The four request letters that has been sent to the following company has resulted in no success. All letters have been notarized and sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded this company to send me documents showing that the accounts on my credit report belongs to me. Credit Protection Association is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. Also I have sent these letters in disputes to XXXX XXXX, beginning XX/XX/XXXX with the last letter being sent on XX/XX/XXXX. XXXX XXXX has sent me dispute result saying the account had been verified. However, I still have not been provided with a copy of any original documentations or a consumer contract with my signature on it.
This concerns Bank of America and my active mortgage there. I have had trouble paying over the past several years. Due to the bankruptcy I filed in 2009, they are not able to give me pertinent information about my loan unless I specifically define what I am asking. In addition, every time I speak to a CSR, I am given the run-around - from additional numbers, to spouting rules that they can not provide a copy of. This has happened numerous times over the last several years, and more recently in the last 6 weeks. My loan is currently in foreclosure, with {$2200.00} dollars in attorney fees ( when the attorneys have only sent me a letter, and filed for a title search ( which is not even necessary in the state of GA ). When I question the fees, I am told I must pay them to reinstate the loan. Since I can not afford to lose my home, I am between a rock and a hard place. 
When I ask who I need to speak with about the fees, I am referred to a supervisor and no one above that supervisor. When I complain, I get a phone call back from the complaint department which turns out to be a " I hear you, and I am sorry '' conversation. 
Different CSRs have given conflicting information, and yet, whomever I am talking to at the moment can only reiterate what is in front of them - which does n't help at all. Bank of America has been a thorn in my side since they purchased this loan from Countrywide. I have had payments returned. I have had payments accepted over the phone for a later date, then the payment not processed, because the loan went into foreclosure before the payment date. I have never seen a banking system more designed for the consumer to fail in my life. The level of customer service is deplorable at best.
I filed an original complain to remove this derogatory mark on XX/XX/XXXX. In the response to that claim XXXX XXXX, XXXX stated that the debt that does belong to me. XXXX XXXX, XXXX also stated that they send and the mail to me which I never received. My last name is spelled incorrectly and the last 4 digits of the phone number listed are not the digits for any member of my family plan. 

My payment history with XXXX is included below to showcase that over the past year my balances were always paid off in full, including the payment in XX/XX/XXXX. 

I have spoken with a XXXX representative XXXX ( XXXX ) @ XXXX who assured me that my account is in good standing and has no issues at all and prompted anyone questioning it to contact him directly for references purposes, in order to confirm my statement. I've attached XXXX ( XXXX ) @ XXXX email
I have received a foreclosure notice dated XX/XX/XXXX but I just got it on XX/XX/XXXX. I was on a 6mth forbearance for unemployment with the last payment on XX/XX/XXXX. Throught this whole time I have made my agreed upon payments and I have asked several people what happens when the 6 months is over. They all said I would get another packet to fill out for assistance. I have not received anything but this foreclosure notice. I feel like they should have contacted me or sent me a packet to re apply for assistance not immediately send me to foreclosure. I do n't feel like they followed all the steps necessary to help me in the time of a hardship. Please help I do not want to lose my home and end up with a foreclosure on my credit.
In XX/XX/XXXX, we paid off in full, over a year in advance, our lease financing contract. XXXX XXXX would not give us a return shipping address at that time, to return our copiers ( 10 in all ) as per the lease. Our lease ends XX/XX/XXXX and once again, we requested a return address as well as a buy out price as per the lease. CIT has failed to provide a return address or a buyout price. With respect to the buyout price, we did receive the attached email stating that the buyout quote would need to come from XXXX XXXX, our local copier vendor, which no longer owns the copiers. The buyout price was many multiples ( {$35000.00} vs, {$2000.00} ) of the fair market value ( called for under the lease ) according to competing copier vendors. 
After questioning other copier vendors, I am told that it is a fairly common practice for financing companies like CIT to conspire with the local copier vendor, to hold the customer hostage so that the customer has little choice but to renew their lease or enter a new lease with the local vendor. The attached email is direct evidence of that practice as CIT is directing us to the local vendor, which does not own the copiers, to set the price while at the same time refusing to give us a return address. This practice is both fraudulent, deceptive and coercive, and the financing company has every incentive to do this to get continued future referrals of business from the local vendor.
Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone NumbeXXXX XXXX XXXX XXXX Current Position XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source
The listing on my credit report with Quantum Collections should not be reporting on my credit. I submitted a validation request to them on XXXX XXXX, XXXX as well as disputed with the credit bureaus on XXXX XXXX, XXXX due to my validation request being undeliverable per the certified tracking. 

Finally they responded to me on XXXX XXXX, XXXX see attached response they sent me. 

The collection account listing on my report does not belong to me and the documents they sent me clearly show that they should have invoiced my wife. The " Patient Face Sheet '' that was sent to me from XXXX shows that the " Patient Name '' and the " Guarantor Name '' is my wife. Also enclosed is the Patient Ledger that they sent me even though I 'm not the patient! The only reason why my name was on any of the paperwork that they have is because my name was on the insurance card that was presented ; that does not make me financially responsible and I was not even present. In addition the bill statement date of XXXX/XXXX/XXXX for {$80.00} was clearly invoiced to my wife not to me. I did not sign any document accepting financial responsibility nor was I present. However, this company has managed to report this collection on MY credit report and refused to remove it. 

My wife offered to pay this bill in full in exchange for a deletion of the inaccurate information and they refused. 

Furthermore, they already have reported this collection on my wife 's credit reports as well. 

This inaccurate reporting is damaging my credit rating, as a result of this erroneous reporting and negligent compliance I 've been turned down for financing. Quantum has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. My good name has been tarnished and this can further cost me in my career endeavors. 

Furthermore I have reason to believe there is a HIPAA violation as her personal confidential medical information was sent to me, in response to my attempt to get this off my credit reports. Since I 'm not a financially responsible party for her to this service her private medical information should not have been sent to me. Yes, I 'm her husband but that does n't exclude her privacy rights afforded to her through the HIPAA ACT, clearly they are negligent.
This is a total scam supposedly portfolio recovery, they call daily I will not answear from reports I have read they are targeting vulnerable seniors, I am presently blocking all calls and I will continue to do so, but I hope something can be done about these obvious criminals for the sake of hard working all their lives vulnerable seniors. 
I have been on do not call list since XX/XX/2009. 
My social was compromised XX/XX/2009. 
Thank you
American Express has charged me {$180.00} for one day of allegedly being late on my payment and a {$27.00} late fee. I was not late on the payment. The payment was postmarked XX/XX/2017 the due date is XX/XX/XXXX, they say they received it on XX/XX/XXXX. This is nothing but pure greed. I have spent tens of thousands of dollars with American Express and pay my bill in full every month and never have been late. What a way to treat a good customer. Oh, and do n't send me their policies and interest rate dirty math, got all that from their drone reps who can only recite what they are spoon feed. This needs to be looked at by someone who understands customer service that can actually do the right thing.