WillisBack/dataset-financial-user-claim huggingface dataset:
Client is on Deed along with her mom and dad. There is a first mortgage that she is not listed as a note holder, there is a 2nd mortgage where she and her mom and dad are all XXXX listed as note holder. Mom and Dad have both passed away and daughter applied for a loan modification made 3 trial payments & was then advised that thy cld n't proceed with perm mod due to title issues. That was XX/XX/XXXX. We spent the whole year working on getting an assumption with a simultaneous loan modification. In XXXX a new trial mod was offered and an assumption package was sent as well as the closing documents for the loan to be transferred to the daughters name. Then in XXXX after making the 3 trial payments and all the paperwork being signed the lender transferred the loan without completing the permanent modification and closing the deal on her assumption even though thy had been sent everything and it had been verified through the lender that all required actions had been taken. Now the loan has been transferred and they are not honoring what the original lender started and should have finished. We are now after a year having to start from scratch all over again. Client had a tpa from mom prior to her passing and now XXXX is refusing to speak to her because she is not on the loan and there was no probate since she is the only heir and the property was already deeded to her. Her 2nd mortgage refused to modify the payment even though she had gotten a loan modification on the first and they have set a foreclosure hearing for XX/XX/XXXX. The tax value on the home is {$140000.00} however, it is in extreme need of repairs and she owes {$86000.00} on the first {$45000.00}. They denied her assistance due to negative cash flow. However, with the first mortgage payment reduced down to approximately {$350.00} if they adjusted the payment on the XXXX it would have been affordable.
I began the modification process with Seterus in XXXX 2015. I received paperwork in XXXX 2015 stating I could begin the trial payment process in XXXX 2015. I made the first and second payments over the phone XXXX XXXX and XXXX XXXX. When I tried to make the final trial payment in XXXX, a Seterus representative advised me that I had not paid the correct amount in XXXX, that I needed to pay more in XXXX to make up for the lower payment and I would also have to stay in the trial period one more month. I explained that I paid the same amount in XXXX and XXXX, she said no it was incorrect. I was out of town, working, so I paid it. I called in XXXX to, again, make the final payment and the representative told me my modification had been cancelled, I asked why, he checked the notes, said it was because I had made inconsistent payments, because of the XXXX payment. I explained what happened, he checked the notes, said the previous representative was incorrect, he corrected it and gave me credit for the overrage, said he would send my information to the modification department and the would send my modification pacakage. I received a modification pacakage on XXXX/XXXX/15, the principle payment amount was shown as {$900.00}, escrow amount was shown as {$380.00}. I called Seterus with questions about my package, and deferral of my principle amount, and requested to talk to the person handling my modification. I was told that I had to send my request to them in writing, so I faxed a request to them on XXXX. I received another modification package dated XXXX/XXXX/15 ( please see attached copies XXXX on XXXX/XXXX/15, that states my principal payment is {$910.00} plus the added escrow amount of {$420.00}, for a total of {$1300.00}. Which is higher than the original mortgage payment that I had before I asked for the modification. If I could not pay the original, I wo n't be able to pay this.
I have asked for this company to validate debt with my signature on a legally binding contract between their company and me. They have failed to provide me with this information. I spoke to them on the phone on a recorded line and they said they do not have that info. Since they do not have that I do not owe a dime to this company. With this being said they are fraudulently reporting to the credit Bureau. 

I also requested the name, number, and any other contact info of the person who " validated '' that I owe this debt. This information has not been received or provided in their responses.
I have the money to pay off in full my student loan ( over $ 90K ). I confirmed the entire payoff amount online and via telephone with Navient on XX/XX/2018. They cancelled my direct debit since I set up an electronic transfer which they said may take 3-4 business days. On XX/XX/2018 they sent me an email saying the loan was paid in full and my balance was XXXX. 

Today, on XX/XX/XXXX they sent me an email that I owed {$1400.00}. There was no communication either by phone, email or regular mail until today. I called today and they refused to connect me to a supervisor and claimed many contradictory things. First, that the payment was refused by the bank ( not true ). Second, that they could not " accept '' any payment of more than $ 50k per day ( not true ). Third, that they can only accept a payoff in full via debit or credit care ( not true ). Fourth, that I owe an additional {$62.00} to payoff the loan which is ludicrous since they already sent me notice 11 days ago that the loan was " paid in full ''. 

Worse, when I called this morning, besides lying to me they now claim I can only payoff my loan by electronic transfer ( the original way it was set up ) and " it may take 10 business days ''.

Clearly, this is a scam to extract extra money from those choosing to get rid of their horrible service/company. I have set up the loan pay off ( AGAIN ) and hope that their illegal practices are uncovered so that more innocent people don't get fleeced of their money.
I have sent four letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Equifax is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed
TSI claims I made a payment to them on a loan they are allegedly servicing but have never verified, nor has the original owner XXXX XXXX XXXX verified/identified TSI as the loan servicer. On top of this TSI claims I made a payment on my credit report on XX/XX/XXXX, which is impossible as I was not aware of this entity until XX/XX/XXXX when they filed a collections claim on my credit report without ever contacting me ever in the past, though they also allege on my credit report to have been servicing the loan I had with XXXX since XX/XX/XXXX, outrageous since XXXX told me on phone conversation in XX/XX/XXXX that they did not know of any account in my name or with my social security number, which means they lied to me because on XX/XX/XXXX they now were able to find my loan.
I 'm having problems with Equifax not correcting info on XXXX public records they have listed. I disputed with XXXX & XXXX 30+ days ago & they deleted XXXX of them & corrected the info on a XXXX. This is the 2nd time I 've disputed with Equifax & both times they came back " completed '' in just a few short hours. The other XXXX CRA 's took almost the 30 days allowed to delete/correct the info. The fact that 1 ) it took Equifax a couple hours to " complete '' this " investigation '' & 2 ) they state the info is correct when it absolutely is not correct, tells me they are n't even attempting to verify & correct this information on my credit report with them. I have been to the courthouse in person & have seen the correct info, and the other XXXX CRA 's have actually investigated these listings like they are supposed to, and already deleted/corrected the wrong listings. If a CRA is going to take the time to include public records which is EASY to verify if they actually did it, then they need to take the time to make sure this info is correct. This is my credit report & is very important, and as such it needs to contain correct info, not junk they just throw on there, without making sure everything is kosher first. This affects my life to a huge degree in every way imaginable, from getting credit to getting a job. As I stated, this is my 2nd attempt to get this info fixed with them, and both times they were negligent ( in my opinion ) in fullfilling their purpose & duties as a Credit Reporting Agency. They most obviously are n't actually investigating these incorrect listings when the info listed is STILL wrong, and the other XXXX CRA 's already actually investigated these and found them to be incorrect & deleted XXXX that are due to fall off soon, and updated the newest one with the correct info. As such, I would like Equifax to completely delete all XXXX of my paid medical judgements they have listed, since they are obviously not interested in displaying the correct info & just want to show whatever they feel like without regard to the very real problems that an incorrect credit report causes in peoples ' lives. And for the record, Equifax 's online dispute system is complete rubbish compared to the others '. Half the time you get errors when answering the questions that identify you, or it states your answers are incorrect, when in fact they are correct. Also, Equifax 's dispute system does n't allow for any notes to be added to the dispute like you can with XXXX 's & XXXX 's. That is just plain stupid, but does n't surprise me considering they do n't seem interested in making sure peoples ' reports are accurate & just spit back " completed '' investigations, when none ever actually took place.
I put an XXXX iPhone 6 plus on layway for my daughter for {$710.00} at the XXXX store. I made several payments with cash and debt cards. After I completed all the payment and I received the phone. When I tried to activate the phone with my provider, XXXX informed me that the phone is locked under t-mobile. I returned the phone to XXXX for a refund. They said it would have to be replaced on a credit/debit card. I informed the manager the payments we made mostly with cash and there were different cards yused. He told me it did n't matter which card. I gave them a netspend card in which the total purchase amount was refunded to the card. In about 24 hours the refund posted. At that time netspend put a block on the total balance {$920.00} in the account instead of blocking or have the refund pending. I am truly outraged and I 'm infuriated. I have no access to any money. I call customer service to resolve the issue. It should be against the law for them to not allow me access for my funds that were in the account before the refund. I provided them receipts. It is as easy as making a phone call to get validation on the transaction. Now I have to pay a fine for court tonight @ XXXX but I have no money.
I currently have four debts showing in my XXXX Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : Commonweath Financial Systems ( CFSI ) - Balance {$210.00} CFSI has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to XXXX and this continues to be in my credit report. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with CFSI and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with XXXX. XXXX XXXX has also advised that they have reported to XXXX of the same. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as noted above for the previous two CFSI records.
In late XX/XX/XXXX, I was notified through XXXX XXXX, that XXXX XXXX  had placed a collection item on my credit report. I called XXXX  and spoke to a representative. I advised them that I have not been a student in near 18 years and was unaware of any private loans or balances owed to anyone. The woman stated the only information she had was that the account was purchased in XX/XX/XXXX. I requested verification of debt. I have never received such. I disputed the account through XXXX XXXX and the account was removed from my credit report. I have now been advised again that they are reporting this debt. I am unaware of any outstanding debt owed for higher education. Furthermore, I have never received VOD upon request to the company. The Company, in effort to avoid illegal practices under the FCRA and FDCPA are placing an account with an open date of XX/XX/XXXX. If there was a higher education debt, it would most certainly be time barred as I have not been a student in nearly two decades. The company would be manipulating the date of the account in order to credit report it. This would be a direct violation of the FDCPA ( deceptive means ) and the FCRA ( manipulation of date ). I Demand the account, without negative effect or notation, be removed from my credit reports immediately. I have suffered damages as a result of Deville 's illegal and unfair practices.
In my last letter dated XX/XX/18 I mailed proof that the debt was written off by the original creditor ( XXXX XXXX ) but never received a response about this claim from the creditor. However, the creditor is still attempting to collect, which is in violation of the FDCPA. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. They did not even read my letter and only sent a form collection letter in return!! Unacceptable!! 

I am attaching all correspondence below.
On XX/XX/2018 I filed a Police Report for identity theft due to several accounts that were reporting on all three of the major consumer reporting agencies. In addition, I've sent Equifax several letters, correspondence, and copy of my police report supporting my claim, with all the accounts in question listed on the police report. Since all accounts with the exception of one which is listed under XXXX XXXX still remains on my Equifax Credit Report. I sent a follow up letter to Equifax regarding this issue but have yet to receive a response. This account was previously removed and blocked from my XXXX and XXXX Credit report. Equifax continues to violate the Fair Credit Reporting Act by reporting this account which was established without my knowledge or consent to my credit file.
The Discover Card Company issued me a credit card. XXXX charge was disputed, and therefore not paid. Afterward, I learned that in fact it was a legitimate charge but the company had used a completely different name so I no longer disputed it. Discover Card paid the amount, advising me they would do so but not advising me that it meant I would go over my credit limit nor that I would daily receive XXXX phone calls regarding being over my limit. I pay the monthly payment on time at the rate prescribed each month. I previously requested of Discover card that they stop calling me, which they agreed to do, and notating it on my record. Yet it has happened again and continues daily at an excessive and harassing amount.
I dispute items on my credit report with XXXX. 
1. Collection accounts - which i never got letter for example- XXXX - {$840.00} Never been to XXXX, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry
I have lived in California since   XX/XX/XXXX . There was an account opened for   XXXX   under my name in  XX/XX/XXXX f rom Florida, which I did not authorize.  XXXX  reported the account to  XXXX  credit bureaus and then sold the collection to convergent outsourcing. I have disputed this with the collection agency and filed a victim 's identity theft report with the police. I also faxed my report and letter of dispute along with a request to delete any information regarding this account with the credit reporting agencies, but, the account fraudulently remains on my credit reports.
On XX/XX/2017 an agreement was made to settle an account with American Express through their counsel XXXX XXXX  XXXX, XXXX. 12 payments have been made in accordance to the agreement, however, credit reporting continues to show no payments being received and an account in Charge Off Status month after month. 
I've called XXXX XXXX XXXX who refers me to an XXXX # at AMEX for credit reporting, the ability to speak with the attorney is not allowed nor is leaving a message. The representatives at AMEX state that stipulation agreement and reporting are handled by their attorneys which sends me back to XXXX XXXX XXXX who confirms the need to work with AMEX and this continues in this manner. 
In desperation, I've begun to with hold payments ( XXXX and XX/XX/XXXX ) until which time I can confirm that they are being received and applied to the correct account. XXXX XXXX continues to push the XXXX # in response to communication from my attorney. I call again today just to be sure-AMEX refers me to XXXX XXXX. 
A dispute was filed through XXXX XXXX which resulted in the entire file being removed from my profile, there is no further ability to correct this because there is no file to correct. This is per XXXX XXXX representatives during a phone call where I was trying to determine next steps. 
A dispute was filed through XXXX, 3 in total. The first two disputes resulted in a confirmation of the incorrect information that was already in the file by AMEX. The third dispute resulted in a decrease of the account balance to an amount that is not consistent with the current agreement and still reflects no payments received and a Charge Off status. 
All I am asking is for the correct information to be reflected in my profile. If either the attorney for AMEX or AMEX 's credit reporting hotline would respond to my calls, we may have been able to resolve this problem. The refusal to communicate and work towards a solution has brought me to the CFPB for help.
On XX/XX/2018, I went on TransUnion 's website to get a free copy of my credit report. They requested my debit card information, which I thought was required for me to receive this report -- I thought perhaps this was how they could check some of my accounts. I was shocked to discover that for the past two months they have billed me {$21.00} for each month, a total of {$42.00} that I had no idea they would be taking for me by getting a free credit report. I never saw any information about the services they provided being anything but free. I really want this money back, the only service I had wanted was a free credit report, I have not used anything else besides this.
I was told by the leasing agent of an apartment complex that there would only be a {$600.00} penalty if I broke the one year lease. This would be paid by surrendering my security deposit which was {$600.00}. there was no mention of a Buy-Out Option Settlement agreement at the contracting phase. However, upon giving my thirty-day notice four month into the contract, I was asked to sign a settlement agreement for {$3100.00}. I lined-out that amount and wrote into the agreement the {$600.00} that I was quoted upon leasing the apartment. The apartment manager approved the agreement form as modified with her signature, and then took the {$600.00} deposit as payment. Two months later, however, I was contacted by a collection agency claiming that I owed the apartment complex {$3100.00}. I sent them the modified Buy-Out agreement for the {$600.00}, and the notice that the {$600.00} had been collect by the apartment manager. Since then, I have been constantly hounded and threatened by the collection agency for the last five months attempting to collect a much larger amount of {$6800.00}. I am now being threatened to have my good credit destroyed by placing this false delinquency with the three major credit bureaus. I 'm asking your agency to advocate for me in this matter so that my good credit will not be effect by a overzealous collection agency, and have the unjust harassment stopped.
eqiufiax is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.
I was a victim of ID Theft and there 's a lot of fraudulent items on my Equifax credit report. On XXXX XXXX, XXXX @ XXXX, I mailed Equifax : 1. Copy of credit report with fraudulent item 's highlighted. 
2. Copy of police report 3. ID Theft Letter to Equifax ( disputing fraudulent item 's ) 4.FTC affidavit 5. Copy of ID & SS card On Friday, XXXX XXXX, XXXX @ XXXX Equifax received my documents. I have attached USPS Delviery confirmation to this compliant for proof. ( TRACKING # : XXXX ) Equifax REFUSED to block all disputed fraudulent item 's. On XXXX XXXX, XXXX I received a letter from Equifax stating the item 's were VERIFIED. 

This is my final attempt to resolve this issue with Equifax before I start the LITIGATION process on Thursday, XXXX XXXX, XXXX in Federal Court,  seeking damages.
My credit report reflects a charge for something that is not mine. I have tried to call the company involved, they refuse to help even though the socials and birth date do not match. They said I have to get in touch with the collection agency, which I have and they refuse to help me as well. I contact the credit bureau, all three of them and filed a dispute 3 times with experian, have so with XXXX and XXXX? The file remains on my report and again this is NOT mine? For some reason they are refusing to remove what is not mine and ruining my credit. 

Again in XXXX alone I have disputed this charge with XXXX three times. 
Called the collection agency. 
Called the company originally involved.