WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a qualified written request letter to my servicing agent the reply I was mailed a reply that did not answer any of my questions because, " they were just the servicing agent. '' Because I sent you a copy of my qualified written request the same day I originally sent theirs both certified mailed, you filed a complaint with them. Because of your complaint, I received another response including documents, but stated it was not an answer to my qualified written request ( because qwr are to be sent to a strict address, which is the same exact address I did mail the original ). However, the documents sent in XXXX responses are very different from each other and still are not following RESPA guidelines.
XX/XX/XXXX BILL PAY XXXX XXXX ON-LINE XXXX ON XXXX {$400.00} XX/XX/XXXX Advised Wells Fargo payment made by mistake to XXXX card. 
Requested stop payment on bill pay. WF stated they made a wire transfer to XXXX not sent a check and would not reimburse my account via stop payment and that I had to contact XXXX. Filed claim # XXXX with WF to get funds back. They said it would be 10 -14 days to resolve. 

XX/XX/XXXX Also contacted XXXX XXXX to request funds be returned. They stated that XXXX   no longer will forward funds to new XXXX XXXX accounts with XXXX . They said they have no way to access my old account and when received funds are returned by them to sender in this case would be Wells Fargo. 

XX/XX/XXXX No response or resolution from either Wells Fargo or XXXX. 

Please help me recover my {$400.00}.
I have not received satisfactory response from Freedom Mortgage about payment history. XX/XX/XXXX, I had to send them payment via certified mail be caused they had previously claimed they were not receiving payment. XX/XX/XXXX they have not received payment even though it was sent. I have repeatedly tried paying on their website and receive error messages consistently. Now my credit is ruined because of this situation. They do not return my inquires.
XXXX XXXX has been calling my business for collection of ex-husbands business debt for XXXX XXXX  storage. My ex-husband owned the business prior to our marriage and I had no involvement in that business. We have been divorce 2 years and he has filed for bankruptcy. I have spoken to XXXX XXXX a number of times and have explained the situation. They now have referred it to a collection agency who is calling everyday and is being verbally abusive and disruptive to my business. The number is coming across as XXXX XXXX XXXX with the company name as Vengroff. I do n't know anything else about this debt.
I informed them i will make payments on the matter but they keep calling 5 to 6 times a day
I applied for and received a business credit card from American Express for a professional limited liability partnership. I specified in the application and was advised that this credit card was not a personal card, but for the business only, for business use only. I disassociated from the business and the business continued with the other XXXX owners. XXXX of the other XXXX owners who continued to operate the business cut up the card in front of me and advised that it would not longer be used. Over a year later, American Express sought payment for overdue balances from me personally. I requested a verification of the debt amount owed, a copy of the credit application, and made multiple attempts to dispute any personal obligation of the alleged debt and suggested that the such transactions were unauthorized and any credit granted to me was non-transferrable, but all the representatives of American Express would do is demand payment in full without verification. Now, my credit score has been effected and this will cost me tens of thousands of dollars.
I have been receiving multiple calls a day on my home phone as well as on my cell phone, from morning to evening, from representatives of U.S.A.A. concerning an outstanding credit card debt of mines. The frequency of the calls has now become harassment. I started receiving frequent calls from this company months ago, I spoke with a representative from the company about my debt and explained that I was experiencing a financial hardship and would be making a small payment at that time, and that I would pay more on the debt as I was able to do so. I followed through with my promise to pay, but this did not stop the calls, within this last month I have been receiving multiple calls every three days  ... non stop ( morning to night ). Even after making payments, the calls still keep coming. Two weeks ago I made a substantial payment and I made another substantial payment on Friday, XX/XX/XXXX. However, Monday morning, XX/XX/XXXX, I received another call from U.S.A.A. requesting another payment, and each time that I do speak with a representative from U.S.A.A. I feel as though I am being integrated about why I am unable to pay, as well as pressured and coerced into making a payment. I expressed to the representative that I had just spoken with someone concerning this matter three days ago and that I had spoke to several representative prior to that time, and that my situation had not changed within the past three days. The representative then told me that it is their policy at U.S.A.A. to call the consumer every three days to collect on the debt. On Monday, XX/XX/XXXX the U.S.A.A. representative even went as far as to ask me ... Why I could no longer make consistent payments? If I received unemployment? If I could borrow the money from a family member, when I explained to her that I was currently out of work. And she then followed up by telling me that if she was unemployed what she would do in order to make the payment, which I found to be very discourteous, offensive, humiliating and insulting. I then told her that I would make a payment on this coming Friday, XX/XX/XXXX for the entire amount, just to end the phone conversation because I was so upset at this point. Today, XX/XX/XXXX like, as promised by the representative on XXXX XXXX, I received another call from a U.S.A.A. representative concerning the same debt, who once again began to harass me and pressure me into paying, even after I stated to the representative on XXXX XXXX that I would be making the payment in full on XX/XX/XXXX. I have since borrowed the money as instructed by the representative on XXXX XXXX and I will be making the payment in full on XX/XX/XXXX if everything goes as planned. But meanwhile, I want the harassment to stop and I wish for all communication with U.S.A.A. to be by letter form only.
In XXXX of 2016, I discovered a public record of bankruptcy on my Experian report. I contacted the XXXX Bankruptcy Court via certified mail twice ( letters received and signed for by court XX/XX/XXXX16 and XX/XX/XXXX16 ) requesting verification of this account with documentation bearing my signature.Twice, the court failed to provide such proof. In addition, my Experian report never showed the item marked as disputed. 
on XX/XX/XXXX16, I sent via certified mail ( signed for by Experian on XX/XX/XXXX16 ) a request for removal of the item in light of the courts failure to provide signature proof or mark the item as disputed. Experian replied that as of XX/XX/XXXX16, the record had been verified and and would remain on my report. The record was not marked as disputed and Experian failed to provide documentation bearing my signature. An employee finding my name of a third party data mining database is not verification.
CapitalOne will not refund {$1100.00} credit balance due to me. They say it 's " in the mail '', but they never send it. It has been over 6 months and the issue remains unresolved.
I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, Experian and XXXX  have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX
In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by GM financial to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and GM fininacial refuses to give me updated information.
the orginal complaint was not investigated correctly. Please find out who called me and why they said they were a mediatator prior to getting lawsuit papers the next few days and to be home to receive them. you only contacted XXXX which sold the complaint. you had the number i called with number to find out about the account and you did not follow up. XXXX said they sold to// : :If you have any additional questions regarding your account, please contact PORTFOLIO RECOVERY at XXXX. 
Please investigate this further as not a collectable debt and used forbidden tactics to try and get me to pay or reage a debt. Since then I get 2-3 calls a day from these people selling my phone number. Do not close an account before you speak and investigate. 
thanks XXXX XXXX XXXX '' '' '' : : : Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection Issue : Took or threatened to take negative or legal action
Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX  since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
these liens where cancelled what is the same as with drawn if the credit bureaus now report withdrawn / cancelled they need to show that they are showing released what is incorrect reporting the report should show withdrawn/cancelled and should be removed from my credit report immediately Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00}
In XXXX of XXXX I moved into my first home. Everything was going great until around XXXX of XXXX, I was slowly getting behind on my mortgage. By early XXXX, I was told by my mortgage company that I could qualify for a mortgage modification loan, they granted me payments that were lower pending finalization of my paperwork. I had to jump through hoops to get the modification paperwork done. In the mean time I paid a lesser amout on my mortgage for 3 months. After receiving all my paperwork, they informed me that I did n't qualify for the mortgage modification program and therefor I was now even further in debt to them and that my payments would be going back up to the original amount. Once everything was said and done I was nearly {$6000.00} behind, living on a very tight budget I was unable to come up with the money. Eventually my house was repoed and sold at auction. Because of this ordeal my family of XXXX was forced to live in a mobile home for 2 years making every effort to catch up and clean up my credit in order to rent.
Called the company trying to negotiate a payment plan/lower bill. After speaking to the person from the company I was told I needed to pay XXXX dollars a month. I responded with " I am not able to pay that, I have XXXX kids. '' After a lot of bickering from the representative I was then told that " you are now on a list of people who refuse to pay their debts '' and was immediately hung up on.
I feel that discover card does not want me to pay my total balance off now that I can afford to do so . Two months in a row (    XX/XX/XXXX  and  XX/XX/XXXX  ) th ey did not draft the statement balance. They also did not notify me at all. Because I am fixing my financial situation, I am watching everything closely. That said, I caught it both times and called them my self to fix. After confirming with  Discover that my checking account number and my routing number we 're correct more than once, they now tell me there was fraud reported- in  XXXX . The y continue to jerk me around when all I want to do is pay them off. Please help?
Experian without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length.

That account # XXXX i did not give permission for Experian to do this change.

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it.

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
I have been trying to re-fi my home. Seterus, Inc in my current mortgage company. I have requested several documents to be faxed or mailed to me. I gave XXXX different fax numbers and I was told it was sent at least 4 times to each number. I finally gave them the number to the lender I was working with. It was received. This was on XXXX XXXX. 
I then found out on XXXX XXXX, 2016, that Seterus, Inc. paid XXXX different homeowners policies. I am now trying to seek reimbursement from the Insurance company I cancelled with. I requested information from Seterus, Inc and I was told I would receive within XXXX 7 days. Today is the XXXX, and still nothing. I called Seterus, Inc. and explained what I was calling about. I was put on hold and disconnected. I called back again, explained the situation, and again, put on hold and then disconnected. I called a third time, and finally reached a good representative who was willing to help me. She explained that it was cancelled because they only process XXXX request per 30 days. What the heck??? I have never heard of something so obsurd, not to mention, the request was due to their mistake. Due to a bankruptcy, they will not send me a statement, nor will they re-instate my loan. It does not show on my credit report. I have had this company for past 6 years and it is always an act of congress to get anything I need without calling several times. This customer service is the absolute worst and I get a different answer every single time I call about the same issue. How can a company be so horrible? I filed bankruptcy due to a life changing event, but I did not file against my home. I have never been late on payments, nor behind. I feel as if I am being discriminated against because I had to file bankruptcy. 
I have read so many reviews about Seterus, Inc, and they are all the same. 
Is there anything that can be done to straighten this Mortgage company out???
I have a prepaid Visa card. I attempted to use the card through PayPal and then through eBay to pay for an item under {$500.00} I agreed to purchase on eBay with PayPal. I was not able to do so. 
As a result, I called PayPal. The PayPal customer representative told me that the bank declined the transaction. ( It turns out this was a lie. ) I called the bank that issued the prepaid Visa card. The bank representative informed me that PayPal 's policy was to reject all prepaid Debit cards. 
I called PayPal back to confirm this. The PayPal representative I spoke with said that PayPal 's policy was to reject all prepaid Debit cards as PayPal was unable to verify identity. I asked to speak with their manager. I was placed on hold for 10+ minutes then routed to someone who not a manager, but who I suspect was a grievance specialist. This gentlemen said he could do nothing for me, nor identify me, and I would need to call PayPal back. He did suggest to me that I could use PayPal 's own prepaid Debit Card and I would not have this problem. I asked him to route me back to the original group. He said he could not do this either nor could I speak with his manager.
XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me  XXXX  and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Firstly, today I received an email from XXXX XXXX  regarding my XXXX XXXX XXXX stating that my XXXX account would be closed effect XXXX XXXX. However, in my last billing cycle I was billed {$140.00} for an annual fee for which I will not receive any benefits for considering this account will be closed in a few months. The email received makes no mention to returning fees for service not provided. Furthermore, since being billed my annual fee I have not received any benefits as they have sent in past years. 

Secondly, when I first obtained this credit cards a few years back, I was charged for baggage fee while flying on XXXX XXXX which should have been credited back to my account as promised but never done so. I would also like this to be looked into, please. 

And lastly, I purchased a pet carrier from the XXXX XXXX XXXX XXXX check in counter for {$50.00} to transport my dog from XXXX XXXX to XXXX in XXXX XXXX. I also paid {$100.00} to transport her. Upon being on the plane I noticed the handle was defective. I filed an online complaint through XXXX XXXX and they stated that they could not do anything, but instead, would have to take the matter up with the XXXX XXXX counter at which I purchased the carrier. However, I live in Maine, and can not do this.
This company has been taking my money for a year and I never agreed to this account. This company owes me {$400.00} and they refund it.
XXXX/XXXX XXXX and the collector for this account, XXXX XXXX XXXX XXXX .... are wrongfully appearing on my TRANSUNION CREDIT REPORT. 
IN ADDITION XXXX XXXX XXXX .... IS wrongfully appearing on my credit report. 
I have NEVER ORDERED ANYTHING from these companies.EITHER someone has used my information to order or it is an error of the company.Also I have never received any product or merchandise from these companies.All 3 accounts should be immediately removed from my credit report.
I have contacted LoanCare on multiple occasions, With my loan switching from one to another I never knew that my loans may have overlapped, I have faxed, email, and called to show proof of payments to keep my loan current and pay off on any late fees that may have occurred during this time. Yet no answer if my loan was current or payments that I would need to pay. I have confirmed that they have my direct payments info at their location they refuse to use that to take out payments from month to month. I 'm really frustrated with this entire company now I 'm scared that I may lose my home because of the lack of communication they have with the customer.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX & TransUnion & XXXX Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by XXXX, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7.

XXXX XXXX XXXX XXXX. 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments.

Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX
I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with equifax, XXXX and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.