WillisBack/dataset-financial-user-claim huggingface dataset:
I closed on an FHA mortgage with Home Point Financial on XX/XX/XXXX. I have made every payment on-time and in full each month since closing, including the current payment due XX/XX/XXXX. 
In early XX/XX/XXXX I was contacted by two separate credit monitoring services I have which alerted me to new negative information on my credit report. Upon investigation I found that Home Point Financial had added two new tradelines to my XXXX credit report ( in addition to the mortgage I hold with them ). The two new tradelines do not represent additional credit I have obtained from the lender, they are the result of a system error by Home Point Servicing. Both of these errant tradelines reported as 120+ days past due. 
I contacted Home Point Customer Service on XX/XX/XXXX and spoke to XXXX at extension XXXX. She advised that the issue impacted a population of loans and mine was included. She stated she would have a letter sent by close of business on XX/XX/XXXX, confirming the current status of my loan. I did not receive the letter as promised. 
On XX/XX/XXXX I called Home Point and requested to speak to their Escalations Department and was connected with a Manager named XXXX XXXX explained that credit corrections would be performed no later than XX/XX/XXXX and that I would have my letter of explanation by the end of the day. I received the letter that evening. Credit corrections were made to show the two errant mortgage tradelines as " current ''. 
These phantom tradelines should be removed, not show as actual, existing tradelines, whether open, closed, paid as agreed or delinquent. Having these tradelines remain on my credit report damages my credit score and creditworthiness as it makes it appear as if I am far more indebted than I actually am. It also alters other key components of the credit scoring algorithm, such as average age of credit, number of new accounts, et cetera. 
In a further effort to gain resolution, I sent a letter to the CEO of Home Point,, XXXX XXXX XXXX on XX/XX/XXXX. As of this writing no one from his office or the Executive Escalations team has attempted any contact with me. 
Infuriatingly, on XX/XX/XXXX, I have been informed that Home Point has again reported me as past due. As the attached letter from Home Point will illustrate, this information is completely incorrect. 
I implore you, as the Enforcement Agency for RESPA to assist me. Having my credit corrected immediately is of particular concern to me. As a XXXX XXXX in the XXXX industry and a XXXX as a XXXX XXXX XXXX under the XXXX XXXX ( XXXX # XXXX ) I am heavily impacted by my credit score. I am currently seeking employment and renewal of my license. Both require a stringent credit check. The current state of my credit assures that I will not pass these background checks. 
I will be in poverty if I can not accept work soon. All because Home Point can not correct an error completely of their own making.
I have an account with Ameritech financial, from XX/XX/2016, which I am informed, doesn't apply payments to student loan. I received a letter from the FTC, on how to correct this, with the possibility of a refund of payments to them.
Paid auto repair service with a check from my XXXX credit card account on XXXX/XXXX/16. My check was accepted by the business. I received a written notice via mail from XXXX on XXXX/XXXX/16 that the check had been denied. I contacted the auto repair business to settle the debt but was told that they had been paid. They referred me to Certegy check services along with a case number. I contacted Certegy and found out that my debt had been turn over to Complete Payment Recovery, a collection agent. I paid the debt including the {$40.00} recovery fee. Certegy did not give me any notification of the payment denial or that the debt was being sent to a collection agent.
This account with hsbc still double report on my credit reports XXXX Is over 8 years that I made my last payment and they still reporting it. If they ca n't send me a debt validation then take this off my credit reports. And they have XXXX as their collection agency and they are reporting it too. It was paid in full to XXXX.
I do n't know what this debt is-I 'm pulling the information off my credit report. I called the collection company and they have my information. But it 's for medical debts in texas, I have n't lived in Texas for over 10 years. I contacted my health insurance company and they have no recorded of any request for payment for hospital or doctor offices in Texas. What I did find out, is the debts are over 6 years old so they do n't have much of a record. But these debts keep sitting on my credit.
I first sent a certified letter to XXXX on XX/XX/XXXX and I received no response. The second letter was sent on XX/XX/XXXX which instructed me to contact Transworld because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted Transworld in XX/XX/XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
I have submitted numerous requests about deleting incorrect information on my credit file yet this company HAS NOT DELETED IT .... i wrote the courts in which they say THEY DO NOT SPEAK WITH CREDIT BUREAUS ... XXXX  says they verified this as mine thru the courts .. now today i receive a report saying they verified thru third party XXXX XXXX .... yet XXXX XXXX has been suppressed for over a year so how could this be an accurate..
According to record, on XX/XX/2014, a " XXXX '' bank card was opened in my name in the amount of {$400.00}. I did not consent nor authorize this account to be opened. Since then the account has gone into a collections account monitored by a company called " XXXX XXXX '' for the amount of {$1000.00}. 

I have paid a credit repair service to dispute this fraudulent account but the account has not been removed yet.
They are looking for someone else and my name is   XXXX   XXXX   XXXX    why do they keep calling me. I was in an ID IDENTYTHEFT 5 yrs ago. Why they keep calling me
I am sorry that this refers to a situation in the past. I have finally realized that it may be a part of the greater problems that were a part of Wells Fargo.
Over a year ago I asked the Wells Fargo representative who was involved in our mortgage refinance about doing it again, at the new, lower percentage.
He told me that " the company '' does not allow him to offer this to current clients.
This did not seem right to me, but I let it go and was not able to take advantage of the lower interest rates.
I failed to take action at that time, but now it seems that it might have been a part of the general illegal actions that Wells Fargo have been embroiled in over the last few years.
I am not sure what actions could address this, but would appreciate a response from Wells Fargo. And it just may have been experienced by others, who also have not taken any action. Thank you
Failure to help with issues regarding a foreign currency wire transfer from family I 'm a XXXX dad and have been with Bank of America for about 10 years, receiving foreign wire transfer from family abroad on a monthly basis. My dad sent money for the Holidays ( on XXXX ) which was not received on the account after more than a week ; I reached out to BofA on XXXX where an agent told me compliance reviewed the issue and I would get the money within a day ; called back on XXXX after no receiving it and being told that compliance would reach out to me with questions. I called on Tuesday XXXX where an agent promised to reach compliance to find out what questions they needed - I got a call back from the same agent who collected some information and promised the issue was no resolved. The agent also said that compliance had noted an email sent to me on XXXX, however I could not find it in my inbox, spam folder, or deleted messages folder. On the next day ( XXXX ) I called again and was told that the compliance department still needed information - but was n't told what information, or how to provide it. After asking several times for contact information I was told that the compliance department had " no phone number '' and could only be contacted via email - but only internally. I was then transferred to a different department where an agent told me the whole process of reviewing the transfer had n't even started - and then transferred me once again back to the original department where an agent told me there was no way they could help me. I called again on Thursday, XXXX where an agent at first told me that " compliance needed information '' but that she had no way of finding out what it was. After I told her I had provided information on Tuesday she told me that " in that case they are probably reviewing that information '' but that there was no timeframe for releasing the money. I was once again told there was no way to contact anyone directly, and that the only thing she could do was request a call be made to me ( which XXXX other agents did before as well ). As a XXXX dad I depend on financial support from my family in XXXX ; because of this issue I am already late on a mortgage, and through the whole process I have not been able to talk to anyone in the department actually in charge of the problem. 

As of XXXX, almost 3 weeks after the transfer was initiated, I still have not received the money and no one from B of A has contacted me ( despite promises to cLl back within 24-48 hours given on XXXX, XXXX, and XXXX ).
Midland credit management has continually called me on my mobile phone after I not only registered with Do not Call, but told them not to call me during work hours on my mobile phone. I told them I prefer to deal with the debtor directly and for them to remove me from their list. In addition, I moved and was with out a LAN line for several months. Once the LAN line was up, they immediately started calling the new number. I again explained that I was going to deal directly with the company and not them, yet they still continue to call.
I have requested, via certified mail, that XXXX and Equifax remove all old address from my credit report. There are up to nine ( 9 ) addresses that are being reported that are untrue. My correct and only address is XXXX XXXX XXXX XXXX XXXX FL XXXX.Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not re-portable as per the FCRA, since they are inaccurate.
I was alerted by Capital One on Wednesday, XX/XX/XXXX of suspected fraud to my credit card. The credit card was originally a Cabela 's Visa ( ending XXXX ), however due to the XXXX XXXX XXXX   buy-out, the credit card portion of the company was sold to Capital One. They issued a new Master Card ( ending XXXX ), however they still allowed purchases to be made on the old XXXX Visa, even though it had been ended. 

The fraud was suspected to be {$320.00} from a " XXXX XXXX XXXX ''. No one in my household made that purchase. While looking at this, I observed one purchase for approximately {$100.00} had made it through. I called Capital One on the same day XX/XX/XXXX, XXXX EST, and alerted them to this. I was advised at the time both cards were now cancelled and a new one would be issued, and neither the XXXX Visa nor the XXXX Master Card would work now, and the fraudulent purchases would be resolved. 

Upon looking at my statement today, another fraudulent purchase of {$94.00} was made to the same " XXXX XXXX XXXX ''. The purchase details show the purchase was made on XX/XX/XXXX and posted XX/XX/XXXX, meaning they allowed my card to be fraudulently used A FULL DAY after claiming to cancel it. They are now giving me issues in trying to resolve these purchases and I do not feel they are doing near enough to protect my information. Any help with this issue would be greatly appreciated.
XXXX  has been non-compliant with removing the unverified account HARLEY DAVIDSON FINA which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that HARLEY DAVIDSON FINA 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.
The Complaint that I have is with TRIDENT ASSET MANAGEMENT. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with TRIDENT ASSET MANAGEMENT. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.
After filling for bankruptcy ( chapter XXXX ) and making payments to a trustee for a couple years, Bank of America sent us a bill for our mortgage for {$23000.00}. Contacted them about a loan modification. Months ( more than a year ) of delays, excuses and tons of paperwork, they still foreclosed on the house. In XX/XX/2016, we moved out and they sold the house for less than the past due. It has been 7 months and they are still sending us letters stating out application for modification is being reviewed.
Daily multiple harrasemnt by phone for a debt that is not owed. Have sent proof multiple times to Seterus Inc. they refuse to correct their accounting errors. They have sent people to my home multiple times have illegaly entered my home, I have been threatened with physical harm by these people. I have served Seterus twice with cease and desist letters they refuse to comply, They have violated FTC rules and regulations have misshandled funds have illegaly held funds causing late payments and pyramiding late charges, they send monthly threats for two years to place me in forclosure, One of their inspectors was caught in my garage when I confronted him he brandished a XXXX XXXX XXXX forcing me to flee inside in fear of my life. 
They have made it so my family does not feel safe in their own home. Have trespassed multiple times on my property after being served in writing that they are not allowed on my property. I do not even know how they ended up with my mortgage.
Payment due XX/XX/XXXX. Have been unemployed since XX/XX/XXXX. Have made payments since losing my job but simply dont have the funds. Tried to reschedule payment for a later date with a late fee attached but am being forced to enroll in forebearance or be reported to a collection agency for 1 LATE PAYMENT. Have been making payments through auto-pay for past 6yrs on time.
This company name XXXX XXXX XXXX has reported that I owe {$80.00} to them. This information is inaccurate because I never received a parking ticket with the city of XXXX.
During an application for a car loan, I discovered that there were many errors in my Credit Reports with all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all XXXX credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( XXXX ; XXXX ; and TransUnion Consumer Solutions ) ; and before I do that I report it to XXXX.
I have attempted to contact Discover for over 3 months about an issue their website and the calculations of the current balance. Multiple times I have went to my activity and it computes my current balance with the following formula. Last Statement Balance - Payments and Credits + Transactions = Current Balance. However, many of the times when I review this information the math does not add up. Everyone of these times it has show that my current balance is more that it really can when you do the math. It makes it seem that Discover is simply taking this additional money and hoping that I do n't catch it. I have informed Discover of this multiple time over the course of 3 months. Every time I was told they were working on this issue but do not have an exact date as to when this problem with be fixed. Well, I have given them over 3 MONTHS to fix this issue and it still is not fixed. I feel that the company is not telling me the truth and actually are not working on the issue. This seems like a very unethical practice for a financial institution. How can a large company not resolve a simple IT issue?
THERE ARE ALOT OF ACCOUNTS THAT I CLOSED MYSELF AND THERES TOO MANY OLD REPORTS ON MY CREDIT REPORT THAT SHOULDNT BE THERE RUINING MY CREDIT SCORE
I spent 4 1/2 hours at Best buy buying t.v., speakers, phone accessories etc., I was physically and mentally exhausted and at check out the young clerk asked if I had a Best buy credit card. I said no, he said I could get 10 % cash back. There was a sign with a big 10 % on it at the check out and with the amount I was spending, that would be a sizable rebate. 40 to 60 minutes later, I still had n't seen any information on the credit card ( they were having computer problems and even an area supervisor was involved ), I am XXXX XXXX XXXX and 5 to 6 hours was taking it 's toll. If they had given me the credit card pamphlet, it would n't have gone this far. I would have said no deal. I have never had a credit card that charges an annual fee, NEVER. I had the money to pay by myself, the first time I even touched the pamphlet was when they finally got a pc working ( 4th one ) and the young clerk said to read the numbers and letters for the code for my 10 % to the person on the phone. All this and I had to return the next day for my t.v., as it was not in stock. That day the '' helpful '' clerk avoided me like I had the plague. I had n't yet looked at the credit card pamphlet, I needed assistance with the speakers he sold me and some additional parts. He wanted NOTHING to do with me. Within two weeks, I had returned almost everything and I told the returns clerk to payoff and close that Best buy credit card. Having no confidence in them I checked with Citibank who handles the Best buy card and no, nothing had been applied to that card. I checked with my bank and all monies had been applied to my card with them ( I had to use my card along with Bestbuy 's to cover the purchase ). I called Citibank again, told them to cancel card ( Bestbuy did n't apply money to or close the account ), woman on phone wanted to know why ... I told her I have never had an annual fee credit card, or one that charges 27 % -29 % apr ; she wanted to try to lower annual fee, I said no I will never pay a credit card annual fee. I paid off the amount I had put on the best buy card and she said that 's it, it 's closed. Now I am receiving a bill for the {$60.00} annual fee ( minus a {$6.00} return or whatever ) but with an additional {$27.00} late fee! Now another {$27.00} is about to be added as my health has kept me from mentally/physically being up to pursuing this issue. Where is my 10 %??? They could have cleared the board, by applying that to card balance. Remember I did n't have the card a month. Finally read the ultra fine print, not cash back like clerk said, but Best buy rewards. I am never going back to best buy except if t.v. needs repair, as the returns clerk did n't know how to cancel/refund for extended warranty. Duh, ask someone! And yes, t.v. has problems.
I ha ve contacted   XXXX   XXXX   XXXX   in regards to an account listed on my credit report that I do not recognize. They are reporting to the   XXXX   major credit bureaus on behalf of Synchrony Bank. I have asked  XXXX  to  verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with Synchrony Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent  only 1 letter  saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP.
I want to reopen the dispute case with XXXX XXXX MD {$870.00}, I received defective ( open box ) unit and returned it back to the merchant on XX/XX/XXXX2017 via UPS ( agent XXXX ) Tracking XXXX, since then I have been trouble obtaining credit refund from the merchant see attached document, proof of return and credit requests, As a result I dont have the merchandise and i have been doubled charged by citi bank.
The debt started with XXXX XXXX for {$610.00}. I made an agreement with them to pay {$200.00} a month. After I paid my first {$200.00} on XX/XX/XXXX they sent the debt to their attorney Velo Law. Velo law then got a judgement against me for the full amount of {$610.00}. After arguing with Velo law and XXXX XXXX for several months they continued to push me off on the other company. When I called XXXX XXXX to receive a receipt of the {$200.00} that I paid they would not give me one. They claimed they contacted the lawyer and they can do nothing else and hung up the phone on me. Once I made my final payments, I contacted XXXX XXXX to ask for a receipt of the amount I paid, they screamed, yelled and hung up on me. I believe that Velo law and XXXX XXXX are working together to receive more money from people for the original debt that is owed and splitting the difference, because I had already agreed to pay XXXX XXXX. The debt was turned over to the law office after I made my first payment. Velo went to court and got a judgement against me for {$920.00}, though I had an arrangement with XXXX XXXX to make payments. Both companies state they are working with each other and they are taking advantage of people. Velo did not contact XXXX XXXX to inform them that I made a payment onXX/XX/XXXX, they only informed them of the payment made on XX/XX/XXXX. So my credit report reflected my debt was not paid in full, when in actuality it was. I can also provide bank statements showing all payments made. Neither company was willing to send me documentation of all payments made and both hung up on me. I paid {$200.00} with check XXXX on XX/XX/XXXX I paid {$210.00} to Velo on XX/XX/XXXX I paid {$200.00} to Velo on XX/XX/XXXX I paid XXXX to Velo on XX/XX/XXXX Afterward Velo then sent a notice to garnish my wages for an additional {$380.00}. My additional debt was for a medical bill that is a non-interest bearing debt, but they are claiming that I must pay interest and their court fees. I was taken to court after I made an arrangement with XXXX XXXX to pay. In total for a {$610.00} debt I have paid {$1000.00}. Neither Velo nor XXXX XXXX would explain and both were rude, threatening and did not speak. I had a small debt, luckily but imagine someone who has a higher debt the amount of fees these two are working together to charge people. I paid the debt almost twice. This seems to be a scam and unfair. My account number is XXXX at XXXX XXXX.