WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017 I disputed this account. I am exercising my right to question the validity of this debt they claim I owe. According to Section 609 of the FCRA you have to provide proper documentation with an original signed contract with my signature. Experian provide me with your method of investigation on how you reached out to XXXX account # XXXX .... and provide me every detail on how they proved or sent you original signed contracts. Sending number codes or one statement is not proper documentation.
west assett management, a third party debt collector had attempted to collect a invalid debt for a cell phone account bill which had been settled years previous and the account closed with a {$0.00} balance. Please reference Case number : XXXX, after discontinuing collection activity for this account, they sold this invalid debt to another third party collection agency, XXXX receivables. This new collector is now attempted to collect for the same invalid, unverified and fraudulent alleged debt. XXXX receivables failed to properly notify of intent to pursue collection attempt, or provide notice of right to dispute. Without properly verifying accuracy or validity of alleged debt, the company reported to the credit reporting bureau 's that the debt was an unpaid account in collections, this improper information was reported on my credit report improperly and the alleged debt itself was fraudulent and improper due to having been re aged to appear as if the account and debt were recent, and the balance reported as owing over {$700.00} when in fact I provided documents clearly showing a {$0.00} balance and date of last bill from 2011.
I have a XXXX American Express Platinum card, which offers a companion certificate for travel within the continental United States subject to certain rules and restrictions. I identified an itinerary where I wished to use this companion certificate, as well as a fare that met all of the rules and the restrictions for the award. I attempted to book this via the XXXX website initially, and then via the phone when the website said there were no results available. 

I spoke to an agent, who told me that even though there were published routings that qualified, there were no privately available routings that qualified. He advised me to file a complaint with the CFPB to receive additional assistance, as they only provide staff with the ability to book via a smaller number of private routings that they have available to them. 

Pursuant to the instructions of the XXXX/Amex support representative, I 'm filing a complaint here.
I received a new account notification from a credit monitoring service I use on XX/XX/2016 and upon looking into this, Midwest Recovery Solutions has an open collections account for me for what I 'm assuming is a payday loan through XXXX for {$800.00}. There are several problems with this : I have never taken out a payday loan, have never heard of XXXX nor received any correspondence whatsoever from that " company '' in regards to the account in question, and have never heard of Midwest Recovery Solutions nor received any correspondence by certified mail, phone, or email in regards to the account in question. I attempted to reach Midwest Recovery Solutions via phone, but was unable to. This account needs to be deleted immediately from my credit reports.
For Forster & Garbus LLP, a New York Law Firm, XXXX XXXX XXXX, XXXX, Ny XXXX, I have been paying {$150.00} every month since XX/XX/XXXX or XX/XX/XXXX, on time, on their website. Last month they threatened to take me to court! I talked to a manager they apologized ... this month another threat. First they tell me please disregard the lawsuit then they say they are going to sue me for non payment. The amount due is not being subtracted from my monthly {$150.00} payments.
I have purchased my condo in XXXX XXXX, FL through XXXX XXXX XXXX on XX/XX/XXXX without an Escrow, as I wanted to pay my property taxes myself. 
After a month, I have learned that my mortgage was sold to Suntrust bank. 
A few months into my payments in XX/XX/XXXX, Suntrust has placed Escrow on my mortgage and told me that I was obligated to have escrow since I live in a flood zone. I have contacted them multiple times in XXXX and XX/XX/XXXX, but haven't been able to get a proper answer on why this won't be removed since it wasn't in my original escrow agreement with XXXX XXXXXXXX XXXX in the first place, other than hearing that this is their policy. 
This has increased my mortgage payments unnecessarily and is creating extra hardship by increasing my monthly payments, as I had made my plans for paying my taxes separately.
It 's been several months since I contacted all XXXX credit reporting agencies. I made disputes on a credit card that was used when I was in Training for the XXXX XXXX. I sent them several copies to prove my identity, a copy of ID and SS # with a copy of letter showing my name and mailing address. There was a credit card maxed out when I was training, the card is from XXXX XXXX. I also sent a Police Report showing that it was reported and the XXXX XXXX credit card covered the charges. This several delinquincies are still affecting my credit report.
The information the collection company is reporting is a violation of the fair credit reporting act. This information is showing on all 3 credit bureaus and needs to be deleted from all. They have re aged the debt and I want it removed from my report. I have the original delinquency date and it is aged by more than 2 years in their favor. Original delinquency date was Date of First Delinquency XX/XX/XXXX and they are stating the date of XX/XX/XXXX. It is illegal to age the date of the debt to when they obtained it. This should be removed from my credit reports immediately. I have tried to fight it with XXXX  and they say it is not a violation. But it is. According to the Fair Credit Reporting Act. No matter when XXXX XXXX purchased this debt, the date of reporting should not have changed. The first DOFD has been reported by XXXX XXXX as Date of First Delinquency XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX. 
XXXX XXXX  closed this account on XX/XX/XXXX and charged it off. 

XXXX XXXX XXXX ( CLOSED ) Summary Account Number XXXX  XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Debt-to-Credit Ratio N/A Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO XX/XX/XXXX 30 60 90 120 Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 15 Balance {$0.00} Date Opened XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1000.00} Balloon Payment Date Balloon Payment Amount Loan Type Unsecured Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX ( CLOSED  ) Summary Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX  is reporting : XXXX XXXX XXXX   XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Barclays c onverted an existing credit card of mine to a different type. When doing so, they informed me that any rewards accumulated up to that point would be lost ( I had none ), and that going forward I would earn  XXXX  point per dollar of purchases, in addition to a  XXXX  point bonus after spending {$1000.00}. I made a {$1000.00} purchase a few days later, but was awarded no regular points and no bonus points ( I am owed  XXXX  +  XXXX  =  XXXX  points = {$110.00} in cash ba ck ). I  contacted them and have received varying responses, including promises to credit the points and statements that no points will be given me ( their representatives seem confused ). After multiple emails back and forth, 32 days ago they opened an internal case, which they assured me would be completed within 30 days. They have offered no resolution to this case, so I am contacting the CFPB for assistance.
I received a copy of my credit report from transunion dated XX/XX/2018. Upon Review of my report, I saw that Transunion is reporting an account listed as Florida XXXX XXXX XXXX, account # XXXX, with inaccurate, incorrect information. The account is being reported as open, when it is not, the account is closed, the date closed is incorrect, the date of last payment is incorrect and this account is being reported from XXXX as a collection account when this account was paid on time and never a collection account. I had the same problem with XXXX and they removed it out of my report on XX/XX/2018. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine is correct. I have the legal right under the FCRA to demand that all the information reported by this agency be verified as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore I demand a method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
There is nothing more frustrating than spending over an hour being bounced around from department to department for what should be a VERY simple request. Like many homeowners across the country, our property taxes increased. That means that our monthly payment went up. To make the burden less impacting, I called Bank of America and asked that they spread the shortage over 24 months. The responses I got were, " the system wo n't let me do it '', " you need to talk to Collections '', " Reg E prevents us from being able to do it ''. Not only are these responses not helpful to the consumer, they are inaccurate. I am beyond frustrated and unfortunately, this happens every time I call my mortgage company. I am beginning to wonder what type of training the customer service department receives and at what point they will take their customers seriously.
Experian is reporting an item on my credit report on behalf of XXXX, for a credit card that was charged off XXXX, which means the first date of delinq was prior. It is being reported under good standing, which it is not. It was a charged off acct. They state they are reporting until XXXX, past the XXXX years they are allowed to report charged off accts. Since XXXX no longer owns the acct they will not remove the tradeline. I would like for experian to please remove the tradeline, or provide the correct removal date based off XXXX years from the XXXX date of delinquency.
I have a home on XXXX XXXX, Florida. XX/XX/XXXX house was hit by tree and then hurricane. My insurance company is XXXX. It is now XX/XX/XXXX. My insurance company finally after over a year of fighting and attorneys from both sides involved settled out the claim. because Suntrust is our mortgage company the monies went to them. My first contractor that did demo put a lien on the house until Suntrust paid them in full. it was very difficult to go through their website to work with them. They required emense documents on the claim and even though we settled out of court XXXX attorney with our personal attorney they struggled to accept that we do not have an adjusters report for the damages because XXXX made multiple mistakes during the process. We do have the settlement docs and so Does Suntrust. 
We are back to trying to finish the house and make it livable. i have been trying to schedule final inspection and it has been cancelled numerous times by Suntrust because they are unwilling to find another Independant Inspector to go to XXXX XXXX. they refuse to schedule during regular working days Monday thru Friday XXXX. Without the inspection they will not pay out the balance of the claim to the Contractor. 
Suntrust has treated us terribly on this. The stress involved in getting Suntrust to release money and pay out contractors has been more than homeowner should have to go through. I reminded Suntrust that the money they received, about {$380000.00} worth came from my insurance company for the damages to my house and it seems very suspect that Suntrust does not want to make the process easy. Thank you.
For 12 Months Straight, Heartland ESCI has sent incorrect paper invoices via mail including late fees. Upon calling the company, they apologize and tell me to disregard. However, online the account is showing there are no late fees. It is getting aggravating to continuously receive paper invoices of incorrect amonts and stating I have late fees.
I called Chase Mortgage on three different occasions and was told I was a approved for a disaster loan modification where my payments wouldnt increase and my loan would not start over, and that my payments would be rolled back into to the loan due to Hurricane Harvey back in XXXX and in XXXX I was told that I would be getting an offer letter with the terms of the payment via XXXX as of today I have not received anything, so I called Chase today and spoke to a rep whom told me that I was not approved for anything and that he couldnt guarantee me any assistance even though my home was damage during the storm which was a natural disaster for Texas, my frustration is that I have been given false and inaccurate information about the assistance of saving my home I dont believe my loan is being handled correctly I need someone who can assist me with this issue
The Law Office of XXXX XXXX, XXXX, applied for a Loan Modification for our client XXXX XXXX with Chase Bank. The Bank DENIED our request based on our client monthly income not considering that XXXX XXXX receives over {$5000.00} in rental income, which it was submitted to Chase but they refused to consider this rental income to approve him for a Loan Modification. We provided sufficient documentation to support XXXX XXXX financial stability to afford his mortgage payment and trustee payment. The amount estimated in the Debt to income ratio is not accurate provided by Chase. We request your assistance in disputing their denial and for further review of the Loan Modification.
On XXXX XXXX, 2016 my home was damaged by a hail storm. Following the inspection by my insurance adjuster, I contacted my mortgage servicer, PennyMac, on XXXX XXXX, 2016 to initiate the claim process and determine what documentation would be required to repair the damage to my home. At that time the specialist informed me that I am able to act as my own general contractor and emailed me the claims package with the required forms and all documentation I needed to return. The specialist was very clear in her instructions, detailing all information I need to provide on the notarized Mortgagor 's Affidavit and as well as the information I needed to include the letter stating that I will act my own contractor. 
Once all required documentation was collected and the claim checks received by the insurance company, I overnighted all information to PennyMac on XXXX/XXXX/2016. On XXXX XXXX, 2016 PennyMac received all documentation in the overnight packaged and proceeded to deposit the insurance claim checks on XXXX/XXXX/2016. 
Based on the information I received from the PennyMac specialist on XXXX/XXXX/2016 and after receiving the insurance adjuster 's damage estimate, I began to make the necessary repairs to my home paying for the materials from my personal funds, based on the knowledge that I was able to act as my own general contractor. 
I did not receive any correspondence or other communication from PennyMac with the status of my claim. On XXXX/XXXX/2016, I called PennyMac and spoke to another specialist who informed me that my account was in " Express Monitor '' status and the accounts payable department is in the process of creating your disbursement of the full amount of insurance claim. She informed that it can take 4-5 business days and advised that I call back on XXXX/XXXX/2016. When called back on XXXX/XXXX/2016, a new specialist informed me that more documentation was needed and I need to return a signed work contract, lien release and XXXX from a licensed contractor to get my funds released. The specialist said that I am not allowed to act as my own contractor. This is in complete contradiction to the information that was provided on XXXX XXXX, 2016. I 'm begin to occur interest on the out pocket expenses and not sure what recourse is available to receive the insurance claim funds that PennyMac is in control of.
After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XX/XX/2017.
I refinanced an FHA mortgage through XXXX bank. Nationwide ( the current mortgage servicer ) is charging me interest through the end of XXXX and PMI through XXXX. According to the XXXX websit, FHA refinances no longer require this. I called Nationwide and they gave me no alternative, stating that it is FHA policy.
I received a letter stating that I had an owed balance with XXXX. I contacted the company and was told that my balance was {$29.00}. I have not utilized there business since XX/XX/2013. I paid the amount owed, in full. Now, I have a derogatory item on my credit report about some bogus charge that XXXX has turned over to a collection agency in the amount of {$220.00}. This is a zombie debt that is of no value and it is hurting my credit score.
Franklin Collection Serv ices did not properly notify me of a debt for a few months. When I heard from them in  XXXX  I called them. They gave me the address to dispute the bill. They did not allow me to dispute the bill and send it to my credit report. They say they wo n't take this off my credit report even though this is not a valid debt of just {$29.00}.
Hello, I have sent several debt validation letters to hunter warfield and they have also sent the same documents copies of a lease up until XX/XX/XXXX. They also sent a list of charges. On XX/XX/XXXX I mailed and also faxed them a new dispute letter because the amounts they were charging for was XX/XX/XXXX-XX/XX/XXXX. I never received a lease from them which showed the dates hunter warfield was trying to collect for. Hunter sent me new documents which I received XX/XX/XXXX. In looking at these documents it is clear that 1 they have been photocopied in their favor 2 signatures were used and copied from one lease onto another.While the original company XXXX XXXX or Hunter Warfield used these documents to try and collect monies they are not owed when all the steps were taken on my behalf when I gave notice of moving out. They just decided to report to the credit bureaus after 3 years about this debt without any prior notice or a change to properly dispute it before damaging my credit.
I received a letter from Ocwen loan servicing LLC stating the service transfer was being changed over to a new company called XXXX XXXX. The letter says Ocwen will stop accepting payments received after the date of XXXX/XXXX/16. After this date XXXX will be taking the payments starting XXXX/XXXX/16. If the monthly payments are currently being drafted by Ocwen the service will be discontinued at this time. However I have XXXX issues. First off an automatic payment was taken out of my bank account on XXXX/XXXX/16 in the amount of XXXX. I was told my payment was n't due til XXXX/XXXX/16. However it was taken out on XXXX/XXXX/16 and another will be taken out of my bank on XXXX/XXXX/16. My bank informed me that I can not stop the payments on there end. But Ocwen says it should of been discontinued as of XXXX/XXXX/16. XXXX does n't have any record of my loan information. So where is the XXXX that is being automatically withdrawn going. I want the funds back in my account and the service stopped so that I can make my house payments correctly.
On XX/XX/2018 I notified Experian that the account information listed for XXXX on my credit report was inaccurate. It was the wrong credit card number and wrong credit card limit. 

On XX/XX/2018 Experian updated this infomation but there was no changes to my credit report for this account. 

I sent another dispute by mail and on XX/XX/XXXX. Experian said this information has been verified as accurate and that no further disputes will be processed. 

This account has been since been deleted from my XXXX  report and also my XXXX   reports. 

Experian fails to remove this inaccurate account from my credit file.
On XX/XX/ 2017 I applied for a ( Best Buy ) credit card and the application came back as declined because the system was down and overloaded, five days later I received a letter in the mail w/my Best Buy credit card, saying that my ( Best Buy ) credit application have been approved, but i notice it left a hard inquiry on my credit report. Best Buy, tv & electronic! Thanks you, ,XXXX XXXX
Since Synchronicity bank replace XXXX XX/XX/2015 I have had nothing but problems in trying to pay my bill. The phone tree made it near impossible to reach automated payment service. The web site gave incomplete billing information, showing only payment and previous balance. That was then changed so that a customer now only gets the balance for any certain month. To review statements, additional registration is required. All of this is frustrating making it more difficult to pay the monthly charges. 

They punished me for making a large payments to reduce my balance. A payment was made on their website XXXX XXXX of this year a Wednesday, and though they said that it was using the wrong bank account number I got no error in processing it. I was never told that it was it was the wrong account number until after the due date XXXX XXXX, at which time I received harassing phone calls during the middle of the day when I was at work. And they were able to charge me a late fee. 

On XXXX XXXX, a Sunday they made a call listed as unknown, telling me to call the same number that they always call from, even though their call center was closed. At times when answering calls in the past from this number, the caller hangs up.
1. We opened a mortgage in XXXX. 

2. Between then and XXXX, we made escrow payments totaling {$4600.00}. 

3. We asked Ditech to close the escrow account in XXXX. 

4. They closed the account in XXXX and refunded us {$1500.00}. This means they still owe us {$3000.00}. 


5. On XXXX XXXX, we sent the following letter : Hi, Thank you for closing out my escrow account. 

In reviewing the documents associated with my escrow account close-out, I believe that you refunded me too little money. You refunded me {$1500.00}. My calculations in the attached spreadsheet show that I contributed {$4600.00} to this account. Please promptly refund me the difference of {$3000.00}. 

Thanks, XXXX 6. They wrote back a letter which I have attached below. The letter says " Enclosed, for your records and review, is a copy of the HUD-1 Settlement Statement.  Please be aware that this statement does not reflect taxes being paid during the origination of this loan. '' 7. Ditech 's second sentence is factually incorrect. The first line on Page 4 of 4 in the HUD settlement shows that we paid {$6800.00} for " 2016 2ND INSTALLMENT TAXES XXXX to XXXX XXXX FOR 2016 TAXES '' at the closing. XXXX XXXX XXXX XXXX XXXX paid our property taxes and refunded us XXXX on XXXX XXXX. This refund posted to our account on XXXX XXXX, see attached. )