WillisBack/dataset-financial-user-claim huggingface dataset:
Dispute Concerning XXXX XXXX XXXX XXXX Blackwell Recovery Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. 
The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. 
Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. 
This negative report needs to be removed from my credit report. I have filed a complaint through XXXX and Blackwell Recovery falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report.
In late XXXX, I got sufficiently behind on a student loan serviced at the time by XXXX XXXX which from being unemployed, however, as soon as I returned to employment I reached out to XXXX XXXX in attempt to address the loan ( current services by Navient Loan number : XXXX Original balance : {$15000.00} Disbursement date : XXXX/XXXX/XXXX Loan balance : {$35000.00} ) and I was transferred to the " collection department '' of XXXX XXXX. I later found out this was not XXXX mea but a firm they outsourced to handle delinquency assets known as XXXX XXXX XXXX. As a result, I made an agreement with XXXX XXXX in good faith that XXXX XXXX, now dba as Navient, would honor the agreement. As a result, my parents and I made a payment in the amount of XXXX on XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & on XXXX/XXXX/XXXX ( on which I had my bank XXXX XXXX XXXX retract the payment because I reached out to XXXX XXXX at the time because I could n't reach XXXX XXXX, and my calls continuously stated the number was disconnected. I look them up on the NY business registration, and they were no longer doing business. I called XXXX XXXX multiple times ( provided the attached documentation & requested they honor the agreement XXXX on XXXX/XXXX/XXXX they then withdraw XXXX from my account ( which I would have my back retract ) because they stated they would n't honor the stated agreement. As a result, XXXX XXXX now dba Navient is stating I owe them over XXXX, which does n't even accounting for the XXXX + I paid their hired collector, and even worse has directed multiple payments, totaling over XXXX dollars, I made to another loan them ( Loan information Loan number : XXXX Original balance : {$7000.00} Disbursement date : XXXX/XXXX/XXXX Current balance XXXX XXXX towards this loan after they told me they would n't honor they agreement made with their collection company XXXX. Furthermore, my previous attempts to contact XXXX XXXX regarding the account, misdirecting payments, previous agreements lead to me being hung up on by representative and managers.
On XX/XX/XXXX my Equifax Credit Score was lowed by 41 points with n0 inquiries no info at all new reported to cause this. Equifax does not have an answer to that so my 41 points should be reinstated. I also opened a Revolving line of Credit for XXXX with an opening balance of {$67.00} on XX/XX/XXXX. This has reported to XXXX as well as XXXX but Equifax can not seem to find the file. I HAVE THAT FILE and the Company received confirmation it was received on XX/XX/XXXX. There was no reason for my Equifax ONLY credit score to lower by 41 points over night. They also have not updated records that were sent to them previously. This has caused me to lose my possible Mort age for a Home. They can not tell me why it was lowered by 41 points  when the other 2 credit Bureaus have updated with no issues. I was a victum of Identity theft with the EquifacxData breech and they are doing it to me again now. This has caused irreversible damage in 1 day. I merely would like an explanation to give to my Lender as to why it fropped and my % XXXX Revolving line of credit is not showing at all. I would like this updated and I would like an explanation as to why my Equifax score dropped on XX/XX/XXXX over night. No one can seem to tell me why.
Nationwide Recovery Service h as place an account in collection for the amount of {$270.00}. I have disputed this with  XXXX  and never received a response.   I calle d Nationwide Recovery Service at (   XXXX   XXXX   XXXX  they said they dont have the information proving this is my account or if I ever signed for it. Their disregards for my concerns were astonishing.
On XXXX XXXX I brought a XXXX XXXX I was told I was eligible to receive a managers special because I am a 100 % XXXX vet that I would only have to pay 1052 monthly payment on a XXXX car. My finance company is XXXX financial. I paid my loan every month on time and realized 9 months into paying my loan that the balance did not drop but increased! I called and they told me that my interest rate was 23 % a day which basically means that if I pay my bill on the XXXX instead of the XXXX that none of my payments going on my loan but all is going on interest. That means I will never pay for my car and my balance is growing and not decreasing. I feel that I have been taken advantage of and not only am I XXXX but I fought for my country only to let dishonest companies take my only income that I have to got to waste and I could end up owning on this truck for the rest of my life. Companies should not be allowed to do anyone this way I have XXXX children and a wife to support and have paid XXXX dollars on a vehicle which balance has gone up instead of going down. I ca n't afford to just give away money I have had XXXX open back surgeries and ca n't work because of it and I demand to be treated fair. I did not fight for my country just to let dishonest companies take all they can and I will be out of thousands to the point that I cant ever own my vehicle. The statements do n't show where my money is going just a higher balance than I originally signed for
have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX and Equifax and XXXX  " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The 4 accounts need to be removed for they do not belong to me.
On XXXX/XXXX/2015, I filed a complaint against Sam 's Club Credit card because they did not close my account when I contacted them on XXXX/XXXX/2015 to request that the account be CLOSED AND NO MORE CHARGES be allowed ( CFPB case number XXXX ). 

I received a letter dated XXXX/XXXX/2015 from Synchrony Bank in response to my complaint about my Sam 's Club Credit Card. In the response, the company acknowledged that on XXXX/XXXX/2015, I advised them that XXXX XXXX was no longer authorized to charge on my account. The letter further acknowledged that Sam 's Club SHOULD HAVE processed a lost/stolen card request at that time. The letter further stated that, regardless, no additional charges would be incurred because the account was at the {$6900.00} credit limit. Additionally, the letter indicated that Sam 's Club Business Credit account holders receive the courtesy of charging 5 % over the credit limit. The letter indicated that I was to receive a credit in the amount of {$1000.00}. 

I just received a letter dated XXXX/XXXX/2015 stating that the credit of {$1000.00} was reversed ( see attached ) because " Customer benefited from use of card/participated in purchases ''. I DID NOT - my daughter, XXXX XXXX, was allowed to continue using the card after I called to have the account closed! THE CARD SHOULD HAVE ( ACCORDING TO THE ORIGINAL XXXX/XXXX/2015 RESPONSE ) been de-activated ( reported lost/stolen )! Further, there is no FRAUD - I called to close the account on XXXX/XXXX/2015 - the company acknowledged this in their XXXX/XXXX/2015 response. 

And, with regard to the 5 % overage " courtesy '' - do the math : 5 % of {$6900.00} is {$340.00}. They allowed an additional {$1000.00} in charges - a difference of {$690.00}. 

I respectfully request that Sam 's Club ( Synchrony Bank ) honor the original resolution of a credit in the amount of {$1000.00}. 

I am XXXX years old. I will pay the debt up to the {$6900.00} credit limit ; however, I do not believe that I should pay a dime over that because the credit card company did not follow their own ADMITTED internal procedures. 

I expect a letter fully granting the original {$1000.00} credit to the account once and for all - once received, I will pay this credit card in full. There is no fraud - the bank failed to follow their own procedures and failed to close the account when I called to have it closed.
I have a complaint already with you # XXXX. LoanDepot The company processed my XXXX 2017 payment under the wrong account. I have called the company four times and explained to customer service that they credited the wrong account. They have not yet fixed the problem. 
I can not make XXXX 's payment until they fix this error. No one is helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX.
I would like to state my opposition to the decision of XXXX XXXX XXXX and bank of America on gun owner ship and sales of lawful gun transactions. I will not support any institution that opposes my values, liberty and constitution.
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with PCB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. This account Is not in compliance with HIPPA ACT standard and is in violation. I request that PCB Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all CONTRACTUAL AGREEMENTS with my signature 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PCB Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX XXXX Services is continuing to contact me to attempt to collect on a Bank of America Credit card that was settled through a different collection agency. I let them know that it has been paid and have requested further information on them on a couple different occasions, but they have not supplied any more information other than continual collection notices to collect this paid debt. The following email confirms this debt has been paid, and I have disputed the credit bureaus and have it thus noted with them as well. " From : XXXXXXXXXXXX To : XXXXXXXXXXXX CC : XXXXXXXXXXXX ; XXXXXXXXXXXX Date : Wed, XXXX XXXX XXXX XXXX XXXX Subject : RE : XXXX, XXXX. vs. XXXX XXXX XXXX XXXX XXXX, My office did file the attached satisfaction of the above judgment with XXXX XXXX XXXX XXXX back on XXXX XXXX, XXXX, and judgment was satisfied by the court per the attached court website. My office does not have record of a lien ever being filed in regards to this matter. Therefore, nothing was ever filed with the XXXX Court. The account has also been reported to our client as settled. Please let me know if you need any further information. 



Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX and XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX * : XXXXXXXXXXXX XXXX : XXXX, ext. XXXX : XXXX ( fax ) *Licensed XXXX and XXXX XXXX '' Any help or direction you can give me to get this cleared and off my record is greatly appreciated. XXXX XXXX Services has not communicated with me to resolve, only to continue to collect this paid debt.
I approved the XXXX Dealership to see what % rate I was approved of from XXXX XXXX XXXX. 
The dealership auctioned of my car loan to several financial institutes that made my credit report go up XXXX points in less that 2 days.
During the month ofXX/XX/XXXX, I submitted a request for a Goodwill adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife XXXX XXXX  on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Received my payoff quote from my lender, Nationstar Mortgage. There is an unusually high " other fee '' amount for {$1700.00}. Called Nationstar, talked with a rep. They said my account was tagged with a " referral fee '' back on XXXX XXXX, 2013. I asked what this " referral fee '' was for. They have no information for me. But it is on my payoff quote. Now, they are sending my request of disclosure to their research department and will get back to me in 7 business days with the details of this " referral fee ''. 
I am 5 weeks into my refi and this throws the breaks on it. This fee can not be rolled into my new loan and I will have to pay it in full at closing and prove that I have the money to do so with bank statements.
On numerous occasions I have reached out to the company and also all 3 credit bureaus to remove these inquiries because they are not mines.
These people wont stop calling me or my family members, friends and work. They even harrass me on facebook. Telling me I 'm going to jail, they 're suing me etc. They call 100 times a day and night.They say that I 'll lose my home etc. This cc was my ex husbands from over 15 years ago and the bank says they charged it off years ago!
All three companies ( XXXX, Experian, XXXX XXXX demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the XXXX breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this. 

XXXX made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?
XXXX closed my account and threatened, and is apparently following through on a threat to report me to XXXX  for CHECK FRAUD because a check from my XXXX account to me bounced due to the fact that XXXX refused to pay on the check.
Incorrect information on my credit report. I paid on time but the creditor took 4 months to process my payments which in turn made me look like i was late and they are not disputing that the problem was on their end.
I took out a reverse mortgage a few years ago. I understood the stipulations to keep the insurance and taxes paid. However, I became very ill, we got into a financial bind and fell behind on the insurance and all this was explained to the bank. The loan started with XXXX XXXX XXXX, then sold to Nations Star Mortgage, then sold to Champion Mortgage. At this time we have obtained proper insurance coverage, worked out a repayment agreement with Champion Mortgage a document signed by both the mortgage company and the home owners. However, the first payment was returned and the house was bought back by the mortgage company stating that they received the agreement and the payment on different dates. We 've obtained legal counsel and have had XXXX court appearances to resolve the matter. Each appearance there has been a different attorney representing Champion Mortgage. This has been our home for 42 years, and XXXX generations, it 's too much history and too many memories to just let go. A 10 day notice was sent via USPS, and then an eviction was filed on another occasion to vacate the premises in 10 days. It is imperative that the public know that Champion Mortgage has done this to elderly couples before, the difference is with us we have others fighting on our behalf to retrieve our from the mortgage company.
this old cable bill was settled with XXXX XXXX before it became XXXX was removed from credit report to reappear 1 year later
NATIONSTAR : mortgage payment arrived on XX/XX/XXXX per usps tracking info. mortgage company charged late fee saying they received it after XX/XX/XXXX. i asked them to remove the fee, but they refused.
Was notified through a credit monitoring company that a new creditor was listed and to look over to see if it was correct. Listed me as having taken out a loan between XX/XX/XXXX-XX/XX/2019 be with XXXX XXXX XXXX XXXX for {$900.00}. First that is 100 % fraudulent and a simple XXXX search shows this company as being fraudulent. Second, be was never notified in writing of debt, probably because it is fraudulent and have no idea where I live. There was no attempt to claim sent before filing it as needing to be collected even according to the false claim it had only been a week since the debt was incurred. This is such an obvious lie they had to know they were involved in illegally claiming this debt. They have followed not one law on this bogus debt.
My account is showing 60 days past due but I have signed up for auto payments. I contacted the company to request to have removed from my report but I was told that they won't be able to. I need help as I have never missed any payments for any accounts I have and am always diligent and responsible with all open accounts and monies owed.
My loans are not affordable..I have been harassed by them in the past calling over 3 times daily..
XXXX XXXX, PLEASE CORRECT ALL BUREUS, ESPECIALLY EQUIFAX.
About 4 months ago I charged some items using my Home Depot credit card for the first time ( approx. {$41.00} ). We paid this amount to our account but apparently a day or 2 past due. We were unaware of this until almost 3 months later when we received a phone call from Home Depot about this matter. We discovered that they had been sending our notices to the wrong address which by now amounted to {$130.00} in late charges. Home Depot conceded it was their mistake and agreed to waive all charges and clear our account but would not contact the credit bureaus to clear our credit reports.
I received a letter in my mailbox from netSpend out of XXXX, Texas it is a Prepaid MasterCard that you can load your full or percentage of your paycheck to. This company even provides you with a Routing number XXXX and an account number XXXX through XXXX, ( this is not my information it is theirs ) I believe they are in XXXX XXXX, South Dakota. The thing about this prepaid card is in order to set it up you have to enter the XXXX digit card number and then the # key. Then they ask you for your SOCIAL SECURITY NO. and DOB. You can not speak to anyone at this company until you do those following steps. What makes this situation weird is I am unemployed and as random as this card is there are over XXXX complaints on line from people who have given this information on line and have lost their paychecks and have bills that are past due. 
I actually put in a fake SS no and a fake DOB to see what would happen and I was able to give the card a XXXX digit pin. What makes this bad is after I spoke with this company over the phone I got an email where someone had changed the pin number. This company is in the business of scamming people out of their paychecks by making them use their financial institution to deposit their money. Many people are not aware that this tactic is illegal. The mention on the letter that they do not accept printed checks, they do not accept deposits via wire transfers, if you do they will return the check to you or destroy it. Only the person on the card can make the direct deposit. The note directly under the card says " I indicated that I had an interest in the card and that is why they sent it to me ''. I have never heard of this company nor did I intentionally or unintentionally ask for this card- so that is a lie. Once a customer signs up for this card giving them their social security number the company now has access to your credit and all of your other banking and credit reports. They take money from your account, add stop payments to other bills to other companies and put stop payments out on you.
Wells Fargo has recently began charging fees to our bank savings and checking accounts, and changing the rules of our bank accounts without foundation or notification. We have contacted the Wells Fargo Bank by telephone and in person several times, and we have tried to correct the situation and have the fees reversed. Some fees have been reverse others have not. And those that are reversed, are later in the following monthly cycle charged again. We contact the bank, and we do what the bank representatives recommend to eliminate the service fees, but the bank sets new rules and charges fees under new rules. The Wells Fargo bank is constantly changing our accounts ' rules and charging fees we did not have to pay priorly.
Please accept this as a formal complaint against Experian Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : this account is scheduled to continue on record until XX/XX/XXXX - comments : transferred to another lender ' is erroneous because the house that I owned was short sold back in XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.