WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX sent dispute letter to verify to XXXX about the collections are incorrect due to the previous 3rd party had to remove collections because the medical bills were paid out of a settlement case from car accident liability case. XX/XX/XXXX sent 2nd dispute letter to XXXX   once again asking for verification and removal of medical collections.  Also sent by fax XX/XX/XXXX to XXXX XXXX XXXX XXXX ( 3rd party collections ) to verify and remove collections due to it was a liability case and was settled in XXXX. Also sent by certified mail to both the XXXX XXXX and Street address for XXXX XXXX XXXX ( 3rd party collections ).  Called on XX/XX/XXXX to have XXXX XXXX XXXX XXXX removed and they were rude stating it was my debt no matter how many times it would be sold and then they hung up on me. My credit was in great standings and in the 700 's ( for almost 2 years ) now its negative and in low 600 's.  The following are the amounts stated on my credit file : XXXX {$470.00} XXXX {$46.00} XXXX {$320.00} XXXX {$55.00} XXXX {$220.00} XXXX {$290.00}
Ocwen loan servicing LLC has violated ALL rules AFTER a BK discharge of a XXXX % exempt property. They knew of it as they were at the BK and cancelled lifting stay over 5 years ago. The last FILING of a suit against us managed to get a false judgement in the Fed court systems to then get a judgement on eviction and writ of possession. Knowing the rules, we could n't comprehend that on the day the writ happened they would break the law and hire the local constables, and police AFTER REPEATED notices to them and Ocwen of the proof of the BK 's orders and exemption papers and that XXXX of them would drill into my door and surround our private property to remove ALL our possessions and have ME XXXX and not my husband or friends who witnessed it! 

Calling it " XXXX '' and having no charges or warrants to back it. I spent 10 hours in XXXX XXXX without being allowed to speak to a judge or to see the charges all with out ever asking WHO I was! Sense then we 've been living in a motel and seeking Many charges against them. We put a claim on their bond and was given the access codes BACK to our home! 
We RETURNED to an uninhabitable home and asked to have it fixed and because of the destruction of our personal property and of our home itself and Because of our asking, they get someone to lock us out again and put back a for sale sign up AFTER I noticed all the other real estate web sites of the theft of our home not anyone having the right to sell it. I 've been also letting the agency 's know and at this point? It 's a waiting game and we are miserable! Thanks for reading ....
Good day, briefly ; I experienced financial difficulty complicated by my father 's illness and eventual death in XX/XX/2015 causing me to fall behind on my mortgage. In XX/XX/2015 I went to make a payment and they refused to except it. I requested a loan modification and was denied due to the incompetence of my home preservation specialist. I requested and was granted a new representative who helped with my appeal. My appeal was denied. I sought help from a HUD approved agency as well as consultation from the DOJ and made a verbal agreement with my home preservation specialist ( contact at the mortgage company ) to make double payments until such time as a formal payment arrangement could be made. My first double payment was made XX/XX/XXXX, it was returned in a check a month later just as I was about to make my second payment with a letter stating I was in active foreclosure. A phone call to the DOJ concluded I was not in active foreclosure so I returned to seek help from the HUD approved agency. Several attempts have been made to give the mortgage company a lump payment, approximately half the amount past due with intent to catch-up making multiple payments yet they refuse to accept.
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau on XX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXX voicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.
We have a loan w/Ditech XXXX. XXXX  XXXX XXXX XXXX SD XXXX XXXX for our RV and we have moved from XXXX  to XXXX  and need to register the vehicle. The state of XXXX  needs an original title to the vehicle to register. Ditech will not comply with this. So we are paying on an RV now that is not legal in the state of XXXX because Ditech refuses to send an original title to the XXXX  XXXX County Title Office. 

XX/XX/18 went to XXXX XXXXk County Title Office @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to get a temp plate where they request an original title to complete the plate registration in XXXX  Ditech never complied. Went back to the XXXX XXXX County Title Office on XX/XX/18 the BMV submitted the request to Ditech via Fax. 

Ditech never complied. Went to back to XXXX XXXX County Title Office on XX/XX/18 and the person at the XXXX  XXXX County Title Office spoke to a Ditech representative named XXXX explaning the XXXX   law of needing an original title to register the RV. They indicated they were going to send it directly to my home. Never rec 'd it. 

We have followed up with Ditech twice on XXXX and twice on XX/XX/18 and XX/XX/18 regarding this matter of the title. We never get the same Ditech representative again when we call and as we explain the matter to them they basically go silent and we don't even know if they are still on the line, till we ask if they are still there. 

All we want is the original title sent the to the XXXX XXXX County Title Office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX so we can get this RV registered in the state of XXXX. 

XXXX and XXXX XXXX
I recently filed for Bankruptcy and my mortgage loan company, State Employees, Credit Union changed the locks to my residence and refuse to turn over the keys to my property. My bankruptcy attorney and I have contacted them several times ; however the have deliberately ignored my calls. Additionally, they took monies from my account ending in XXXX, for preservation and foreclosure fees, which is a direct violation of federal bankruptcy code. Pursuant to bankruptcy code all collection activities are granted a stay of protection. I am requested that the put the money back in to my account and turn over keys to the property.
i applied for a car loan on XX/XX//18 and the company told me there was a fraud alert on my credit report Equifax, The date of birth was incorrect. i have called numerous times, they asked me to fax my birth certificate, SS card and drivers license to a given fax number, i did this over the course of the past 4 days and they said they do not have my information, i have faxed over 20 times. they will not let me scan to any certain individual or talk to the mail room where they say the faxes come in at, they can not tell me if they ever received it or they said it may have been illegible and they shredded it but no one can tell me anything and no one will help me make sure someone is receiving my faxes. they said they are in the XXXX and the fax is in XXXX, GA but there is no one in XXXX i can talk to so i can confirm my fax is getting there. This is very frustrating all i want is someone to confirm getting my fax and that everything is legible to be put into the system. 

thanks XXXX
as i obtained a copy of my credit i notice accounts that was n't mine. I reached out to XXXX to dispute the accounts. later to find out that XXXX sold the account to two different collection agencies ( which both is reporting to my credit for the same thing one is just {$1.00} more ). I disputed the accounts with XXXX XXXX and Enhanced Recovery Corp ( which is the two companies ) but it has not been removed from my file. This has been going on for months and the credit bureau has yet to correct my file.
OUTRAGEOUS. ERRONEOUS BILLINGS CONTINUE TO HAPPEN, NO AUDIT RESULTS, BUT MISTAKES CONTINUE TO " SLIP '' THROUGH. I AM NOW BEING TRIPLE CHARGED FOR A TRANSACTION CLOSING IN MY FAVOR, AFTER DECIDING IT WAS " FINAL '' IN THE MERCHANTS FAVOR. DISCOVER IS NOW GOING TO REVERSE THE TEMPORARY CREDIT GIVEN, HOWEVER WITH THIS REVERSAL, I WOULD BE ENDING UP PAYING FOR XXXXUSD AS YOU WILL SEE IN ATTACHED. PAPER STATEMENTS, DO NOT MATCH UP WITH E STATEMENT " ACTIVITIES ''. SO I AM BEING TRIPLE CHARGED XXXXUSD AND REFUNDED TWICE XXXX USD WHICH EQUALS ME HAVING TO PAY XXXX. HOWEVER, ON THE PAPER STATEMENTS I RECEIVE IN THE MAIL AND AVAILABLE ONLINE, XXXX 'S STATEMENT I WAS CHARGED MISTAKENLY BY XXXX, AND DISCOVER ALREADY REVERSED THE TEMPORARY CREDIT OF XXXXUSD BECAUSE AT THAT TIME THEY CLOSED IN XXXX ( MERCHANT ) FAVOR, THOUGH I HAD ASSURANCE FROM XXXX, THIS WAS THEIR ERROR AND I WOULD BE RECEIVING IT MY REFUND. 
IN XXXX 'S STATEMENT DISCOVER AGAIN REPOSTED THE REVERSAL TEMPORARY CREDIT OF XXXXUSD WHICH I WOULD BE RESPONSIBLE FOR. 
IN XXXX 'S STATEMENT, I HAVE RECEIVED REFUND FROM XXXX AS PROMISED BY XXXX. PLEASE LEAVE AS IS AS THIS WILL ZERO OUT. 
ON XXXX XXXX, 2016, I RECEIVED A LETTER SAYING THE CASE WAS SOLVED FINALLY IN MY FAVOR AND THAT THEY WILL BE ONCE AGAIN REVERSING THE CHARGE OF THE TEMPORARY CREDIT WHICH ULTIMATELY LEAVES ME PAYING AN EXTRA XXXXUSD THAT I AM NOT RESPONSIBLE FOR.
I had my checking account with key bank for almost a year and my account got closed for no reason.and now its been a month after my account got closed.and key bank refuses to send my balance they tell me i have to wait another 30 days for me to get my money.it is against the law to hold my money
I wrote to Equifax to have an error on my credit report corrected. I had an auto loan with XXXX Bank, all payments were made on time and paid as agreed. Equifax is reporting erroneous information regarding this account, there have been no late payments. In response from Equifax I received the attached document. It has another person 's name and credit information. Equifax did not address the errors on my credit report.
I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. 

I am making payments to a XXXX account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling me.
I was contacted by XXXX XXXX from XXXX XXXX, XXXX on XXXX/XXXX/XXXX demanding I pay a debt. I asked what debt? He replied an old XXXX debt. I told him I never had a XXXX account and demanded he send me validation. I received a letter from him dated XXXX/XXXX/XXXX stating I agreed to pay the debt on XXXX/XXXX/XXXX. I sent a response letter to him denying that the debt in question was mine and to send verification. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had received my dispute claiming unauthorized use of account. Today XXXX/XXXX/XXXX I receive XXXX letters from Jefferson Capital.1st dated XXXX/XXXX/XXXX stating they have received my dispute and are unable to resolve and request my SSN, Act #, description of error, dollar amount, date of suspected error, and copy of credit report. It 's been 4 months for them to respond! And then they are asking me for information that I was attempting to get from them for validation! The second letter I received the same day " introducing '' themselves as a debt collector and stating I have 30 days to dispute the debt. Is n't that what I 've been doing since the first phone call and letter four months ago?!
I have repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.
I noticed when checking my credit that XXXX XXXX XXXX claimed that a account was charged off, i asked for validation off the account because i do n't own a XXXX XXXX account they replied back that they do n't have any papers and this account was shut down and sold to a collection company named LVNV Funding INC, i asked LVNV Funding INC as well for Validation and received a letter stating that the account was closed. I also requested XXXX I would Like Proof As per Sec 605, 609, and 623 Per FCRA and received noting, XXXX is required to provide proof Per 609 and failed to comply, I spoke with a supervisor at XXXX XXXX XXXX named XXXX ID # XXXX and was told that they sent over all documents to LVNV and to contact them they have nothing but they claimed to verified and updated my XXXX  credit report on XX/XX/XXXX. Resurgent Capital ( LVNV ) sent me a letter on XX/XX/XXXX stating they will be request to delete tradeline it still reporting as of XX/XX/XXXX
My husband and I owe medical bills. I assume they are a legit debt collector but maybe not. I live with my Mother and I 'm her caregiver so it 's her landline phone. We are financially strapped and this company who shows up on the phone is called UCI. They have called for quite sometime and will not stop. My Mother is not in good health and it 's beyond annoying when they continually call almost daily. I told them today once again to stop calling. We can not pay the bill and I 'm not even sure if their scammers or not. I have XXXX phone numbers they call from. They are harassing us and I want them to stop. Thank you.
We have been 2 months behind on mortgage. I contacted Wells Fargo to see if we could have a loan modification. They told me that we did`nt qualify for one that we made enough where we did`nt need one. When filling out the paperwork they gave me i could not see anywhere where i would put what bills we pay, Gas, electric, Etc ... This has very frustrating because i`m trying to get help so we don`t get foreclosed but i can`t get any. XXXX XXXX 2017 is when i got the denial letter.
1. Synchrony Care Credit is reporting account payment status incorrectly as a charge-off despite furnishing proof this account was settled in full. The correct payment status is settled in full.

2. Synchrony claims an incorrect balance despite receiving a refund in the amount of {$600.00}. 
3. I have called Synchrony Care Credit 17 times and gotten no resolution.

4. I have filed multiple disputes directly with synchrony proving they are inaccurately reporting payment status as a charge off. 
5. Synchrony is reporting the charge-off dates incorrectly. As made evident by the settled in full letter from XXXX XXXX. Stating the account was settled in full on XX/XX/2014. They claim it was charged off in XX/XX/2014.
Received demand for payment of " delinquent '' account that was assigned to First National Collection Bureau, In., from its client XXXX, with the alleged original creditor named as XXXX This debt is barred by the California Statute of Limitations of four ( 4 ) years and the creditor is seeking to collect on an invalid debt. This action constitutes a violation of state and federal law.
I sent my mortgage payment in in XXXX 2017 bsi has not cash -ed the check and the mortgage is late.i would like to know why the check has not been cashed
For some unknown reason, Toyota Financial services canceled my online payment account. They were never able to explain why, but admitted it was their fault. I had been making online payments for years, but suddenly, I could n't, and was told that I could not reopen the account. This was in XX/XX/2016. One agent told me I could pay over the phone, using XXXX XXXX. I did. The same happened for XX/XX/XXXX : I paid over the phone. In XX/XX/XXXX, I took the time to try to get to the bottom of the problem because it was inconvenient. I was told I had XXXX accounts. I spoke to many representatives, often being on hold for long periods of time, only to be disconnected and have to tell this rather involved account all over. 
I found out that the payments I made over the phone had disappeared, and no one could tell me what happened. They informed me that I would have to go to my bank and get a merchant report to show that the money was indeed taken out, something my credit union never heard of. I spent countless hours on the phone and running around. I was told that because it was their fault, it had not been reported to a credit agency. I found out yesterday that it had. Even though they finally sent letters saying it was resolved, it has not been. Just yesterday, I was told that my account was past due again. It was n't and had not been. 
I was harassed on my job and tried to clear it up, but soon after that lengthy call, another representative called me at work to tell me my car was about to be repossessed. Each time that a representative could see from the account that I was indeed telling the truth, I was told that it had not been reported to a credit agency, but that was a lie. I have all of my receipts that demonstrate when the payments were made.
I leased a vehicle through Fusion Auto Finance LLC ( " Fusion '' ) from XX/XX/XXXX- XX/XX/XXXX. The lease was terminated on XXXX XXXX, XXXX and I have not been possession of this car since. Today, XXXX XXXX, XXXX, was the first time I was notified by Fusion Auto Finance LLC via phone call regarding a bill issued from XXXX County, Virginia for a state property tax that was issued in XX/XX/XXXX to Fusion Auto Finance LLC. The bill has since accumulated approximately {$300.00} in late fees and penalties because it was not paid by Fusion. When I contacted Fusion to discuss the bill, they were aggressive in insisting that I received multiple notifications about this bill, but I received none until they threatened to send me to Collections ( via a phone voicemail ) on XXXX XXXX, XXXX. I should not be held accountable for the penalties and late fees assessed by XXXX County because of the negligence from Fusion. When I asked if they had any record of the notifications that they claimed to have sent, they were unable to provide that information and insisted " that was not their responsibility. '' Any time I attempted to discuss the situation with the finance agent, XXXX XXXX, she shouted me down and insisted that I was at fault instead of answering my questions.
DEFI/BBVA COMPASS XXXX XXXX XXXX XXXX AL XXXX pulled my credit resulting in a hard inquiry on XX/XX/2018. No consent or written permission was given to them to pull my credit.
The original creditor is workout anytime XXXX for a balance of XXXX. My final balance was as follows per an email to me on XXXX/XXXX/2016 : Contract payment {$45.00} Late/Service fees Cancellation fee Total Due to Cancel {$45.00} Cancel date XXXX/XXXX/16 The payment was to be drafted from my checking account which is active to date. I am not sure why it was not nor was I contacted regarding any issues. I had no idea this was a problem until I received a collection letter from Seas and Associates.
I received a copy of my credit file  XXXX  from  XXXX . I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to   XXXX    the write back confirming these are factual and to contact orginal creditor. On  XX/XX/XXXX  I called Barclays Bank Delaware @  XXXX  and explained to operator #   XXXX   an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and  XXXX  was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score.        XX/XX/XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , PA  XXXX  Dear   XXXX   XXXX   : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the  Act. My Social Securit y number is  XXXX  Barclays Bank Delaware   XXXX     XXXX   XXXX    XXXX  Otherwise, rescind the errant notation immediately.     Sincerely,   XXXX   XXXX   XXXX
identity theft occurred in XX/XX/XXXX at this time I was ( and still am terminally ill ) and had a caregiver helping me who gained access to my personal information thus successfully opening credit card accounts, hacking my bank account to use my checking account to increase spending limits by making payments on these cards and fraudulently signing my name so they could charge more goods. I have sent notification to citicard explaining situation, not willing to work with me on /refuse to even consider that this is a identity theft issue. They have repeatedly harassed me with collection phone calls since XX/XX/XXXX and have harassed my elderly parents as well asking questions about my whereabouts. I have filed identity theft reports and contacted credit card bureaus about the situation. Still in process of trying to clear this up. It is a frustrating stressful situation. XXXX is more tolerable.
I held a mortgage on my house which was transferred to XXXX XXXX XXXX. For various reasons, I was no longer able to maintain the house, and moved into an apartment. The mortgage was subsequently sold to Seterus for collection. The house was foreclosed, but various issues with previous mortgage companies not clearing the title when I refinanced, the foreclosure auction could not take place. This happened in about XXXX 2014. The title issues have long since been resolved, and no further date has been set for foreclosure auction. I have contacted Seterus numerous times, with no resolution. I finally told them I wanted to turn the property back over to them. I was told I should hear something 'in about 2 weeks '. This was at least 2 months ago. Meanwhile, the house has been vacant for over 2 years, and is deteriorating. I have had XXXX different people contact me about buying through a short sale. The first one was not able to reach an agreement on a price. The second one is also likely to not go through. Meanwhile, I can not get any cooperation from Seterus on returning the property to them. Every call I have made to them, ends up going nowhere. I need help in getting rid of my property ... It seems very unreasonable that all this should have gone on for almost 2 years. Any help you can give would be greatly appreciated ... .. 
My scanner is not working, so I am unable to attach the foreclosure notice dated XXXX/XXXX/2014, with date of auction scheduled for XXXX/XXXX/2014.