WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime in XXXX 2016 my husband & I were able to pay off the second mortgage. In fact we over paid at the time. ( This was according to Ditech ) They had said that they were going to issue us a check for the over payment. So my husband & I waited for a month & then made several attempts to call Ditech. Every time we called we talked to someone new, each with a different story. The last time my husband called he was promised that a supervisor would be calling him back, but no one ever did. Yesterday ( XXXX XXXX nd ) I made an attempt to call & finally was able to talk to a supervisor named XXXX. She has explained to me that They emailed the escrow team 3 times & no one ever got back to her. When I asked about talking to a supervisor in Escrow she said that they do n't have one & the only way they can get a hold of them is by email. It is now XXXX of XXXX & we are still waiting on our refund/ over payment. I would really like someone from there to be honest with me & not give my husband & I the run around. 
I think that we have been waiting long enough for this.
XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$XXXX} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
I spoke with a  XXXX  on  XXXX   XXXX   XXXX  and I advised that I would like to reduce interest rate to 6 % covered under the SCRA guidelines. I emailed a copy of my   XXXX   XXXX   XXXX   XXXX   XXXX   which has an effective date of  XX/XX/XXXX  through  XX/XX/XXXX , however I am converting to   XXXX   XXXX   XXXX   effective  XX/XX/XXXX  through  XX/XX/XXXX  because I will be deploying overseas. I received an email from the company stating that I did n't qualify under the SCRA guidelines because I obtained the loan on  XX/XX/XXXX . I explained to them I 'm covered under the act because I will be   XXXX   XXXX   XXXX   XXXX   XXXX   effective  XX/XX/XXXX . I spoke with a resprentative today and she said she would re-open the request however she stated that they did acknowledge my   XXXX    XXXX  dates and still stated I did n't qualify. Upon further review of my contract they have me paying 93.22 % per year on a {$6400.00} loan. I have been paying {$480.00} a month. I originally obtained this loan because of the financial difficulties I was dealing with after my separation from my spouse. According to the ridiculous contract I will pay off this loan on  XXXX   XXXX   XXXX  paying them a total of {$22000.00}. That just is n't right and they even said in the email that I was not covered under The  Military Lending Act as  well. I 'm getting ready for my  XX/XX/XXXX  XXXX  XX/XX/XXXX and this loan is  XX/XX/XXXX me out.
We received a letter addressed to my husband XXXX XXXX ( letter says XXXX XXXX XXXX ), stating we owe a debt to XXXX XXXX bank. We do not have an account with XXXX XXXX. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.
First complaint filed with BB & T Bank not answered properly, I asked for specific information that was not address in response, I hereby request BB & T has violated my rights and request to be removed from XXXX and XXXX XXXX at once XXXX XXXX
XXXX XXXX XXXX In reference To our telephone conversation today XXXX XXXX, I am absolutely appalled by the behavior of Union Bank! One might say! I 'm guilty by association! I told you in the beginning that we did not have intentions to continue business as a XXXX, I also sent you a letter from our accountant. I did a lot of research for you to send you certain documentation which A considerable amount of time, you have me into a very precarious position, as of XXXX XXXX my existing loan has adjusted to an increase of approximately {$2000.00}. You have taken over a month to finally let me know your decision, I was told in under the impression when I authorize charging my account for {$490.00} in going forward which included appraisals and other things which were never done! I never received an appointment from the appraiser or any communication except for the fact that you called me and asked me why I canceled the appraisal? News to me I told you, so I 'm assuming this was done internally within Union Bank I am requesting that you return my {$490.00} immediately, or I will have no choice but to file complaints with explanation to certain authorities, this was not fair nor businesslike. I wish all of you the best. 
Best wishes XXXX XXXX I told XXXX in the beginning I do not have any intention of continuing on with the XXXX before I made application to Union Bank. He checked and said there would not be a problem since I was providing him with a letter from my accountant which I did. As we continued of course after they got my {$490.00} he came back and said their underwriter said they could not do the loan since I was a XXXX the deposit of {$490.00} was also for a appraisal and other things which were never done by Union Bank I am requesting the return of my $ XXXXHow complaint can be satisfactorily addressedReturn of my {$490.00} from Union Bank
XXXXkeep receiving daily recorded messages from collection agency calling themselves allied. i do not have any outstanding debt or unpaid bills.
The company " XXXX XXXXk '' for XXXX XXXX, sent me a bill as stated in my previous complaint after I paid my balance in full. They billed me for interest charges on a XXXX dollar balance. They stated in their response to the consumer protection bureau that as a " courtesy '' they would reverse the erroneous charges and remove the inaccurate date from my credit report, which was a lie. They did not remove anything from my credit report ; and to add insult to injury, they are now trying to bill me almost double the original amount. I received a bill for {$71.00}. Please investigate. This company is unethical and engaging in fraudulent business practices.
I send a letter to Experian stating I was disputing a Bankruptcy on my record. I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
I have attached the results of an investigation by the " third party '' that Experian uses to verify. This letter clearly states that there is no bankruptcy on my record. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.  Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Rent Recovery Solutions is attempting to collect a debt that was shown to not be valid. A request for balance update was sent, and has received no response.
On a recent credit report this company Williams & Fudge reported a Collection on my XXXX report dating a debt of {$7500.00}. I do not know of this debt & it is not mine. I have not received any information, not a dunning letter or anything from this company regarding this so called debt. They are not suppose to place a collection account on my credit report without sending me a letter stating what this is anyway. I do not owe this debt & want this deleted from my credit report ASAP.
{ Credit Bureau : Experian, XXXX } { Credit Bureau : Address { XX/XX/XXXX } RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made. 

I contacted [ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ [ XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX CA XXXX
On XXXX XXXX, 2015 Transunion Information Services received documents for the purpose of establishing the fact of forgery, in addition to request the accounts be blocked pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. I received correspondence from Transunion that is confusingly pleaded. ( See : Attachment A ) The company has denied my private right to remedy as a victim of identity theft. Transunion has failed to go beyond a cursory investigation into this matter. Moreover, the XXXX Circuit Court of Appeals recently confirmed that a reasonable reinvestigation " must mean more than simply ... making only a cursory investigation into the reliability of information that is reported to potential creditors. See : XXXX v. Trans Union, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( citing XXXX, XXXX XXXX XXXX ). Additionally, all relevant documents were sent to Transunion to provide proof of claim such as ; an official police report, FTC Affidavit, FTC Complaint number, US Postal Inspectors ID Theft Report Number and proof of Identity. I request a reinvestigations of the following information pursuant but not limited to the FCRA 611 ( 15 U.S.C. 1681i ) ; XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXThe referenced accounts were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with the listed corporations, agencies, or companies. I have received no benefit or value from the proceeds of the endorsement ( s ), contract ( s ), application ( s ) and or the listed account ( s ) directly or indirectly and I request the accounts to be blocked pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2.
I keep getting letters from different collection agencies. I do not have a contract with this company sunrise credit services. Therefore they have no right to try to put an account in collections when I do not have any contracts with this Company. This is illegal. There is NO contract.
Fax XXXX XXXX XXXX Account Manager XXXX XXXX Case Number : XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from XXXX XXXX account Account gets positive credit {$300.00} Customer ask to reverse {$300.00} back to XXXX XXXX but the money never made to his account. 

Customer called inquire about the reverse status of the account Bank of america representative instructed customer to contact his bank wells fargo. 

XXXX XXXX re ensure money never made to the account and reverse the charge. 

Could Bank of america prove the money went back the customer account? 


A Bank of America representative told customer that the money was send to a company called XXXX XXXX. 


Customer is sending statements as Bank of America requested from banking account activity back to XX/XX/2018. 


Please note : The {$300.00} went back to customer account on XX/XX/XXXX as a result of a dispute. 

If the account was {$300.00} positive and the only money refunded was {$300.00} the Bank of America balance should be reflecting {$0.00} and instead is reflecting - {$300.00}.
XXXX XXXX  ruined my credit by reporting me to a XXXX XXXX   agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. XXXX took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to XXXX XXXX they can not explain logically why XXXX  did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to XXXX XXXX   actions. XXXX  has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.
Ref # : XXXX has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name XXXX XXXX XXXX. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " XXXX XXXX Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 
As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that XXXX recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}.
My XXXX Mortgage was sold to LenderLive XXXX. I was switching banks in XXXX and called LenderLive to ask when my mortgage was due before a late fee. I was told XXXX mountain time. After all my bank accounts switched I paid my mortgage electronically on XX/XX/XXXX and thought all was fine. On XX/XX/XXXX I received a letter that my payment was overdue so I called and the agent told me payment was applied and all was fine. I then made my XX/XX/XXXX payment on XX/XX/XXXX like normal. In mid XX/XX/XXXX I received a letter stating my mortgage was now past due by more than 30 days. I also checked my FICO score and to my surprise it had suddenly fallen by more than XXXX points! I again called LenderLive and was told that all was fine. It took me going to XXXX supervisors before learning that my XX/XX/XXXX payment was received but never applied to my loan. It is now XX/XX/XXXX and my credit score has it been fully restored nor has LenderLive returned the {$60.00} " late fee '' they assessed. I feel like I 've been robbed and this is the worst bank ever. EXTREMELY SKETCHY.
I applied for a Citi AAdvantage Platinum Select World Mastercard XX/XX/2016. I received my approval notice and initial disclosures dated XX/XX/2016. The disclosure indicates that I have an introductory APR of 0 % for 14 months, so when my first payment was due XX/XX/XXXX, I only made the minimum payment of {$45.00}. On XX/XX/2016, I was charged nearly {$55.00} in interest on the remaining {$2900.00} balance. I contacted Citi via online message, and they messaged me back that the charge was valid and they 're not refunding my money. I checked my disclosures at home and called them, at which point they told me the 0 % offer was not on my account ( despite the paperwork they sent me saying the opposite ). They told me that though I applied under offer terms including 0 % introductory APR, they are allowed to approve me for the product but apply different terms than what I applied under. They said they will open an investigation that will take 14 to 30 days to conclude and falsely told me that since I paid off the entire balance ( including the erroneous interest ) today, I would incur no further interest charges. Though my current loss stands at {$54.00}, because of the way credit card interest works, I will be at a further loss by the time their investigation concludes.
MY MORTAGE HAD BEEN WITH XXXX XXXX XXXX. THEY WERE TAKEN OVER OR SHUT DOWN BY NCUA. THEY SENT MY MTGE TO CREDIT/COLLECTION MORTGAGE AGENCY CALLED ROUND POINT MORTGAGE. AS I WAS GOING THRU A HARDSHIP & AS MY INCOME HAD REDUCED BY SOME, THEY ASSISTED ME FOR A SHORT TIME. AS THEY ASSISTED, MY LOAN WAS NEVER BROUGHT CURRENT AS THEY STATED THEY WOULD DO. LAST YEAR & EARLIER THIS YEAR I APPLIED NUMBEROUS TIMES TO REQUEST FOR ASSISTANCE WITH THEM, HOWEVER THEY DELAYED & DENIED MY MODIFICATION/ASSISTANCE REQUEST AND WOUDL NOT ALLOW ME TO PAY ONTO MY ACCOUNT UNLESS I BROUGHT IT COMPLETELY UP TO DATE, SO TTHEREFORE MY MTGE CONTINUED TO GET FURTHER BEHIND. I CONTINUE TO GET RUN AROUND/ALWAYS DIFFERENT REPS HANDLING MY ACCOUNT. AND WHEN I ASK FOR A PAYOFF IN WRITING SEVERAL TIMES THIS YEAR THEY NEVER PROVIDED ( I ASKED FOR THEM TO PROVIDE IN EMAIL OR LETTER ) TO THIS DAY THEY STILL WOULD NOT PROVIDE. AS OF EARLIER THIS YEAR THEY ALSO INCREASED MY MTGE PAYMENT, FOR WHICH I FEEL IS NOT LEGAL TO DUE, WITHOUT MY ACKNOWLEDGEMENT. MY RATE WAS 2 % AT APROX {$640.00} PMT, AND HAS INCREASED TO {$1000.00} A MONTH, SO WOULD MAKE ME WAY OVER OBLIGATED AND/OR INTENTIONAL UNLAWFUL PRACTICE WITH THIS COLLECTION AGENCY!!
I have a XXXX bill currently in dispute. I filed a complaint with the FCC over their fraudulent billing practices - they had me on a plan that was supposed to last a year, but they dropped me off the plan at 6 months, and then when I called to complain, they fixed the bill. But the next month they overcharged me. And I called to complain. So they fixed the bill. And then the next month they overcharged me again. So they fixed the bill, but I dropped the service. 

So I paid off the bill online - or so I thought. Because that last bill that they said they were going to fix - well, they did n't fix it. I dropped the service immediately after the said they were going to fix it, and instead of actually fixing it, they just left it at the wrong price. So I paid off the bill ( I do e-billing, so I never got a paper bill ) - but, oh, I paid too little. Because they did n't fix the amount like they were supposed to. 

Fast forward to today. 

ERC has never called me. They have never sent me a notice. They have repeatedly called my XXXXyear-old father and XXXX-year-old mother, who live two hours away and have never had anything to do with my account or with XXXX. My telephone number - which I have had since 2008 - was on file with XXXX, and I have never received a telephone call from ERC. NOT ONCE. 

I called ERC, and they told me that I owe XXXX {$44.00}. I had a discussion with them that the debt was submitted to them fraudulently, and they said they could send it into dispute. But I had already filed a complaint with the FCC over their billing. And it 's still " under investigation. '' Probably because XXXX 's poor customer service and billing procedures are so shoddy that it 's legendary. There 's probably a whole department at the FCC that JUST DEALS WITH XXXX COMPLAINTS. 

So, I talked about it with the rep some more. She explained the processes and essentially, if XXXX does n't remove the debt from their rolls, they 'll keep calling XXXX my parents, apparently, despite their number never having ever been on anything XXXX related, and despite the fact that I 've had this same cell phone number since 2008 ) and trying to collect the debt. 

So I said, " That 's just more trouble than it 's worth. I 'll just pay the amount. '' And she said, " Okay, there 'll be a {$15.00} convenience fee for paying your bill over the phone. " Very long story short, ERC has been:1. Harassing people who have NOTHING TO DO WITH THIS ACCOUNT2. Charging people an exorbitant fee to pay their bill. 

Thank you for your time.