WillisBack/dataset-financial-user-claim huggingface dataset:
In previous complaint XXXX, Ditech Financial apologized for its negligence in failing to obtain my authorization prior to restructuring my loan and increasing my monthly payment by over 10 % and stated the issue had been rectified. 

It has not. 

My monthly mortgage payment should be {$1100.00}, and it shows it was decreased from Approx. {$1600.00} to {$1200.00}. This did not return my account to its prior status, and Ditech did not fulfill its commitment to the XXXX as stated. 

In this complaint, I am seeking the following resolution : 1. For my account to be restored to its status prior to Ditech acting against my will 2. Ditech to rectify the claims made against me to the credit reporting agencies 3. Financial settlement on this claim. Ditech has failed to apply my payment to the lowest interest portion of my loan andninstead retained additional payments I made for over one year, which I understand violates their legal obligations. This decision, along with restructuring my loan, and the numerous complaints to seek resolution have caused me financial and emotional monetary loss. 

I await an immediate response from Ditech and resolution in-line with commitments made.
Equifax IS NOT stopping XXXX Funding from improperly and illegally showing a collection action that DOES NOT exist, and that was already remitted before they purchased a BULK File from XXXX. 

XXXX and Equifax , HAS BEEN notified in Certified and Traceable Mailings to Cease their negligent, Willful, and Illegal activities, but they have refused to correct the errors and STOP XXXX from using their services.
I took out money from a Bank of America ATM. Two days later I went take out money and my entire account was wiped out, which was about {$1300.00}. I put a claim in with my bank and they declined it because they had pic of me taking money out that night matched to a pic month earlier. I said OK but what about the 3 transactions after that? can I get a pic of those ones? they would n't give it to me and said I need to get a subpoena. I went down to my local branch and they gave me a copy of the photo and it was another man wearing a hat, dark glasses, mask over the mouth and even gloves ( see pic in the attached documents ). I went to the police straight away and put in a report. the police officer said this is quite common for someone to swipe your details. I have been trying to get in touch with the ACTUAL claims handler that decided to decline my claim, but no one ever called me back. I have tried about 4 times now.
XXXX XXXX and XXXX  XXXX reinserted a collection account on to my credit report from XXXX XXXX XXXX XXXX. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and equifax needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX XXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
Opened an account with Chase in person, received all documentation for the account along with debit card. The next day I received a later stating that my account will be closed and no reason was given. I called on XX/XX/18 after I received the letter, and the agent couldnt find a reason either. Only that the decision is non-reversible.
I submitted a request to Experian to deleted items off my credit report, because of identity theft. I received an updated on  XXXX   XXXX ,  2017 . I have the report number and on the copy of my report it is showing that Experian deleted items off my credit report, but the items reappear on my account. I had  XXXX  account items deleted and  XXXX  inquiries deleted, that was input back on my credit report. I have sent disputing letters to Experian about deleting items on my report. I just need for Experian to deleted the items back off of my credit report.
Synchrony Bank, XXXX XXXX. This company advertise that you can make free payments through the automated account via telephone. The first time I had the issue was in XXXX. I called two days in advance approximately around XXXX in the morning, it stated it took the payment. I called back on the XXXX after I noticed my account had not been charged the payment to only find out it did not take. I was provided a confirmation number. So of course my account was charged a late fee and I was not late. With the automated and technology their system have record of me calling making a payment, even though they state there is nothing. The late fee was waived, but it should be removed completely as I was not late. 2nd issue, I called and tried using the automated again to make my monthly payment, it recognizes my phone, but then when you go to the automated, it will not let you put the payment you are trying to pay, it keeps asking the same questions over and over. Its a scam, directing the consumer to a customer service rep which charges a fee for paying as the automated will not let you pay. Needless to say, my payment did not get posted and again, I received another late fee. I called and complained about the issue of not being able to post a payment on the due date as the company advertises. 3rd issue, tonight same thing, called tonight to make payment and of course the automated will not let me do the payment again, it could n't get past the amount to pay. I kept indicating I wanted to make the minimal payment, it would not go past this. I requested an operator who waived the XXXX dollar fee, as I informed her I was filing a complaint against this company. The sad part is I have a JC Penney account that has the same bank and I do not have any issues with making payments, online or automated, but this credit card is the worse. This company is scamming people, manipulating the system for consumers to incur late payments or incur the cost of speaking with a rep to make payment as the system is not allowing you to go through the prompts via the automation. This company should be audited and all funds charged should be refunded to the consumers. A class action needs to be brought against this company as its ripping us the consumers off with its fraudulent practices.
I had disputed the  XXXX   XXXX  account that is being reported on my Equifax credit file in  XXXX    XXXX  . The week of  XXXX   XXXX ,   XXXX   I received my investigation results from Equifax dated  XXXX   XXXX ,   XXXX  . Enclosed in these results was the deletion of the  XXXX   XXXX   XXXX  account. When I called Equifax today  XXXX   XXXX ,   XXXX   to discuss my credit report, the representative told me that  XXXX   XXXX   XXXX  was still reporting on my credit file. I asked the representative how does Equifax verify disputes and she stated, " the creditor tells us your name, date of birth and social security number, that is all ''. She also stated Equifax uses an electronic system to verify as well. I reminded her that is not the correct way to investigate disputes according to the FCRA. With this being said, Equifax is still reporting incorrect information on my credit file even though I have proof from them that this account has been deleted. Equifax needs to remove  XXXX   XXXX   XXXX  from my report. Equifax will probably try to say that the uploaded documents isnt enough for them to do their job but these uploaded results are more than enough.
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by XXXX ; XXXX and XXXX credit bureaus. 

My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
This is the second time this company fails to abide by the FDCPA. I received no notification of this debt or was not given an opportunity to dispute this debt. This company is ruining my credit and I 'm about to close on a mortgage for a home which is now in jeopardy because of their unfair debt collection practices. They are n't complying with the LAW. I have an attorney on standby to take this matter tp court if this account is not removes from my credit report and they follow the law by allowing me to dispute this debt.
OnXX/XX/XXXX around XXXX I contacted Accelerated Financial Solutions LLC about a debt placed on my credit report concerning XXXX. The original amount of the XXXX debt was for {$790.00} dating to XXXX of XXXX, Accelerated Financial Solutions LLC placed the debt as being from XX/XX/XXXX in the amount of {$1800.00}. I spoke to a representative from Accelerated Financial Solutions LLC who said his name was XXXX XXXX about the fact that he re aged the debt and also placed the wrong amount of my credit report. XXXX even read the original date and amount of debt off to me over the phone. XXXX stated he would absolutely NOT send me any validation of the debt or change anything unless I paid him something over the phone. He said the debt has been validated and paperwork was sent. I told him I have been calling and asking numerous times for validation on this debt and have received nothing, he said well it will not be sent and that I need to pay him now. By the end of the conversation he read off my home address and my email and said your request has been noted but do n't plan on receiving anything unless I set up a payment arrangement with him. I told them what he 's doing is illegal and he stated he knows what the law is.
Discover continues to withdraw funds from my personal checking account, making payments on a Discover account that I 've reported multiple transactions as fraudulent. In XXXX XXXX, I had a credit of at least {$20.00} on this Discover Card account. A XXXX woman that still lives with me is a predatory individual and professes to love me -- I 'm XXXX XXXX XXXX -- I 've been told this is a " sweetheart scam ''. This individual made all the purchases after XXXX on this account without my consent. I did not make these transactions with this Discover card. I 'm attaching the XXXX Police Department 's reports. I first reported this financial elder abuse to the XXXX Police Department on XXXX XXXX, XXXX and subsequently XXXX XXXX, XXXX. I 've reported the theft to Discover as well but the representative badgered me over the phone for my new XXXX personal checking account information so minimum payments would continue to be paid. I closed my original XXXX account when I learned of the fraud. I am currently going through the court system to remove the woman from my home.
I originally had a mortgage with XXXX Bank. A few months ago the loan service was transfer to Statebridge. I had a " hail damage '' claim and the checks had to be forwarded to the mortgagor. Currently, Statebridge has the estimated {$25000.00} in their escrow. 

I have given everything Statebridge has requested from me. They even paid an adjuster to take pictures and monitor the progress of the house repairs. The roof is completed and the siding is 90 % completed ( waiting for the windows ) I spoke with a XXXX XXXX and she said on XXXX XXXX, 2016 that she would releace the money so I could paid the contractor and part of the Supply bill to XXXX XXXX XXXX. 
I have faxed and or e-mail XXXX XXXX and the company. As of this writing Friday XXXX XXXX, 2016 at XXXX XXXX no one has responded to my correspondence. 
The contractor has workers that have families to shelter and feed and their is no reason whatsoever that Statebridge should hold the monies Your assistance in this matter is greatly appreciated.
I need you to get this company off my back!!!!! I can not afford to pay anything since I am on a fixed income and on XXXX and I am totally XXXX. I plan on filing for bankruptcy come XXXX 2017. If they sue me they wo n't be getting anything from me cause I have nothing!
Nissan Motor Acceptance Corporation was informed via certified mail on XXXX/XXXX/15 that our contact information was at our home address, telephone number and email. NMAC has harassed our parents, which was not authorized as a contact point. NMAC has been instructed no contact at our place of employment and to stop contacting our parents. NMAC continues to contact our parents. We are asking CFPB to enforce the no contact to our parents about our business relationship.
On XX/XX/2018 TransUnion completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how TransUnion could have verified the account information when I, myself, have contacted both XXXX XXXX XXXX and XXXX XXXX on two separate occasions and received no response. Once was through direct mail,  the other through the Consumer Financial Protection Bureau. Both companies have failed to provide a response to my inquiries and demands for validation of the debt they seek to collect. XXXX XXXX XXXX only appears on my TransUnion report and XXXX XXXX was disputed with XXXX and XXXX. Neither XXXX or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation to XXXX XXXX XXXX and XXXX XXXX. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The companies never sent the information but continued to report the information. For your convenience I have included a copy of the deletion transcript provided by XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX XXXX and XXXX XXXX, I would like to know a detailed description of how TransUnion, verified the information.
XXXX XXXX XXXX XXXX, XXXX. 's ( XXXX ) Attorney XXXX XXXX XXXX ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called Capital One and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?
I opened a BBVA Compass Clear Choice Checking with a promotional bonus of {$200.00}. The terms state that in order to receive {$200.00}, you must open a Compass Clear Choice Checking before XXXX XXXX, XXXX and after openeing the account, make an electronic deposit from an unrelated 3rd party of at least {$300.00} into the account within 60 days of account opening. The bonus should post within 60 days. 

I qualified for the terms on XXXX/XXXX/XXXX with an electronic deposit of {$300.00} on XXXX/XXXX/XXXX and I have yet to see the bonus post to my account. After reaching out to BBVA compass they have been unhelpful and are unwillilng to solve the issue per the terms of the promotion. 

Timeline : Account Opening Date : XXXX/XXXX/XXXX Electronic Deposit {$300.00} : XXXX/XXXX/XXXX
I spoke to XXXX around XXXX Pacific Time. The call was regarding a missing card that I never received. He asked for my address within the conversation. XXXX stated the address was updated on XXXX/XXXX/2015 around XXXX. However, he would not give me the previous address on file so I can verify if it was my previous address in the past. So I asked for IP address to confirm it actually took place online from me ( In case I changed it and missed some details ). He stated they do not have that on record. My statements for the month of XXXX 2015 have my correct address. So my card was sent to a different address that Capital One does not want to provide to me. I need to know why it was changed, why my card was sent to another location even when my statements are arriving to my current address. I was a victim of the XXXX data breach and I need this to take actions to protect myself and make sure I can contact the Credit Reporting Agency if the address was fetched from their databases. I am including a copy of statements from XXXX 2015 ( prior to the stated address change date ). The statements have my current address and I have been receiving mail successfully.
On XX/XX/XXXX I called Discover Student loans to investigate a payment assistance plan. I end the phone call with my payment being reduced to by 50 % reducing my payments from XXXX to XXXX. On XX/XX/XXXX, I went to purchase gas and my card was declined. I used the app on my phone and found that in addition to taking the XXXX from my account Discover Student Loans also took XXXX from my account for a total amount of XXXX being taken from my account. I explicitly asked them woman on the original call to remove the original auto payment amount from my account and she confirmed it would be removed. This was not the case. 
Ive been going back and for with Discover Student Loans going on eight months receiving first apologizes and promises that a refund would be issued and the loan repayment assistance plan retro actively added to my account, then receiving promises via the electrotonic messaging inter face that my case was being looked over by numerous supervisors. Now and I all I get from them is phone calls and emails saying that my account is seriously in default. I have never stopped making monthly payments of {$230.00} what I was told over the phone my reduced payments would be. Im worried my credit score will take forever to recover for something that numerous people have admitted to me over the phone is definitely not my fault. Please help.
There is a debt from enhanced recovery for XXXX. 
I have never had an att account in my name. 
My mother had an account ; but, she is now in a XXXX XXXX with XXXX. 
For some reason, XXXX has decided to put the account under my name and social security number as they ca n't collect from her. Enhanced Recovery has placed the negative information on my account for {$970.00}. 

I 've told them when they 've contacted me the debt is not mine. It was opened in my mother 's name, and under her social security number. I was informed by debt collector that because we lived at the same address, and I had the benefit of those services, and because I am my mother 's power of attorney, I am now liable for the debt and they refuse to remove it from my credit. 

THIS IS NOT MY DEBT.
I contacted to have multiple inquiries that I was not aware of and others that were done multiple times from one request removed from credit and was not assisted with this issue. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Page 35 of 45 Requested On : XX/XX/XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
I attempted to pay hundreds of dollars to this company assuming that they were going to help me with my students loans and when i attempt to contact the company the contact information was not reachable.
In an attempt to refinance our home, just days from closing, my loan processor c contacted me to say that Ocwen never recorded our existing mortgage with the XXXX County Register of Deeds. I have been calling them and requesting them to file an Affidavit of Lost Mortgage with the Register of Deeds. Every time I call I am sent to an escalation manager and am given a different story.