WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX separate occasions, my mortgage payment was submitted to Specialized Loan Servicing ( " SLS '' ), utilizing their only designated third-party vendor for whom they claim no responsibility nor liability therefor, where your payment information is stored from the prior submission, and somehow two weeks or more later you receive notification from SLS that the " account '' was not found. I have had the same checking account number with the same bank for over fifteen years and until dealing with SLS, I have never had a payment returned for any reason. This time, the payment was attempted to be made from XXXX XXXX to XXXX XXXX when their online payment option was actually working. The error message merely stated that it was " unavailable ''. Even when you call SLS to make a payment over the phone, they automatically refer you to their party vendor. How can XXXX XXXX XXXX be allowed to service-transfer their loans to a servicer who has such an inadequate payment option available - you ca n't even schedule a payment for a future date - only the date you actually find the online payment option available and working. 
XXXX 's payment was made on XXXX XXXX and a confirmation was received. Then on Saturday, XXXX XXXX, I receive a letter from SLS dated XXXX/XXXX/XXXX but not postmarked until XXXX/XXXX/XXXX and no received until XXXX/XXXX/XXXX. This totally antiquated and insufficient handling of payments has damaged my credit over and over again and now I am told I have to submit a cashiers ' check for the payment when it was their error that they did n't collect the funds on the XXXX of XXXX. How can this servicer be allowed to handle mortgage payments in such a manner?
I continue to receive threatening letters from Transworld Systems in spite of the facts that:1. The debt was paid by check which was cashed on XXXX XXXX, 2015 ; 2. I telephoned Transworld Systems on XXXX XXXX, 2015 at XXXX PST and informed XXXX XXXX that the debt had been paid. She assured me the threatening letters would stop but I received yet another on XXXX XXXX, 2015.
For more than 6 months now I have been constantly harassed by Portfolio Recovery Associates to collect depth obligations that I really dont remember owing or is too old. They have on several occasion used Autodialer to call me on my cellphones without permission, I will pick up the call and will say hello! hello! hello! then after more than a minute somebody will come on the line. 
They call me frequently and repeatedly from several out of state numbers, late at night, at work, and on my cell phone after I have told them not to call me. 
They have on several occasion told other people that answered my home phone or work phone that they are trying to reach me on personal matter relating to dept collection.
Equifax was hacked and lost the data of approximately 143 MILLION Americans. Their security was not adequate and we the public are put in extreme risk of identity theft due to their negligence.
Georgia State Tax Lien was placed on my Trans Union credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Trans Union but the refuse to remove the lien.
I had purchased a timeshare property from XXXX XXXX XXXX in XXXX Colorado I was unable to get reservations no spots were available and they did not do anything to accommodate my vacation schedule they ruined my vacation and my relationship with my boyfriend I feel they are selling more timeshares then they have space to accommodate.
I first disputed XXXX XXXX XXXX account XXXX with XXXX and XXXX through XXXX. Then, I sent a certified letter on XXXX XXXX disputing the account with both credit reporting agencies. Global Receivables Solutions responded to my dispute by sending a letter to my address that was addressed to my father. The collection agency claimed that my dispute was invalid and the information they reported is accurate. And as evidence of this, they attached a billing statement from the hospital that was in my father 's name. I have disputed this account again with the credit reporting bureaus and I called Global Receivables Solutions today to dispute and was told that I would have to wait for them to investigate. I do n't have time to wait. I am trying to find an apartment, and this negative mark on my credit report is making it difficult. I also called the hospital 's billing department today and they confirmed that they do not have any outstanding bills for me in their system with that account number, but they do have something in my father 's name with the same account number. I am tired of being given the runaround from these people. This mistake is causing me a lot of problems ; mental, financial, and emotional. And I just want the credit bureaus and collection agency to do the right thing and remove this inaccurate information from my credit report.
I have reached out the this company and never hear anything back. Finally with reporting them they sent me a statement ; however, this does n't show break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!
On XXXX/XXXX/2015 at XXXX I was contacted by someone stating that they had a criminal complaint and were looking for XXXX XXXX. The person on the phone verified my contact information and stated the an officer was coming to serve me the next day. I informed the gentleman that I do not have any reasons to have any criminal complaints against me and said sure I will be here. He then asked " did the attorneys contact you, at which I replied no. At this point, I told him that I did not have time to play games with him. He put me on hold to supposedly get the attorneys and I hung up. I XXXX the number that he called from which showed up on my caller ID and it was listed as the fax number to the Arizona Superior Court in XXXX XXXX - Juror Information. Less than a week after this call I received a letter from GreenTree Servicing referencing a debt that had passed the statue of limitations and was removed from my credit report. The letter was dated XXXX/XXXX/15. Once I received the letter I called the phone number listed and it was the exact same person that called trying to threaten or scare saying that I had a criminal complaint saying someone was going to my house looking for me. I told him that as far as my knowledge this was no longer on my credit report and had been taken care of. I asked him to send any documents that he had verifying the debt and I would look it over with my attorney. Which GreenTree did not. Their letter states that the consumer has 30 days to submit proof. The entire actions of Greentree servicing from the start was deceptive and misleading in nature.
Barclays took over my XXXX XXXX card with XXXX points XX/XX/XXXX. From the moment the account transferred over I have not been able to open an online account, set up autopay, see my charges or pay my bill because their entire system is based on your social security number, and for some reason it takes 3-5 business days for them to record it. What is disturbing is that mine does n't work because someone else is using my social security number on their account. It has been over 7 months and Barclay 's still has not resolved the issue. I even faxed them a copy of my social security card, at their request, but no one ever confirmed they got it, it is just lost in their company somewhere. Because of this I can not open an online account. I have to call to check my charges, and call in to make a payment, first I have to go through a series of transfers and holds, it takes 45 min - 1 hr, my identity is questioned ad nauseam, then they finally realize the situation and offer to update my social security number, but the problem is they are not actually able to do this, there is some kind of glitch in their system, and they also can not reassure me that the other person using my social security number has been stopped, in fact they can verify as of tonight that the person is still using it. I ask them to put a stop to it, they say it will take 3-5 business days, and that they will call me back, but it never gets fixed and they never call back. I have to call them and go through the whole process all over again, this has happened 15 times in the last 7 months and there is no end in sight. They even charge me late fees while acknowledging that I can not pay without calling and wasting an hour of my time. Once they charged me the late fee after informing me that I was 10 minutes late calling, because it was based on Eastern Standard Time, even though neither of us was on the east coast. I asked to talk to a manager and was told there was no higher supervisor available, I asked for security and was told that security did n't take phone calls, but then another time I called I was transferred to security even though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is more but I will stop here. At this point I am just going to pay it off and close the account. Their customer service is horrible and their lack of security and execution of tasks is downright frightening. They simply do n't know what they are doing and can not be trusted with money. They should be shut down before they do serious damage.
I am formally requesting that you DELETE this account listed below from my credit report immediately from all credit reporting agencies! 

CHASE HOME FINANCE LLC XXXX I 'm in receipt of your letter dated XXXX XXXX, XXXX an attempt to validate this dept and your right to report this on my credit and still expect a payment on this CHARGED OFF account. 
Please note that your letter, loan note and payment history is CONTRADICTORY to your statements set forth in this letter you send me for XXXX XXXX, XXXX Following are inaccuracies, misrepresentations and wrongful information provided by you and I will be forwarding these supporting documents as evidence of your wrongdoing to the CFPB immediately! 

1 ) Letter dated XXXX XXXX, XXXX AND XXXX XXXX, XXXX addresses Customer names as : XXXX XXXX and XXXX XXXX ( me ). HOWEVER, copy of the note for the loan YOU provided lists XXXX XXXX and XXXX XXXX XXXX ( not my name ). WHY OTHER OTHER BORROWER 'S MORTGAGE NOTES ARE BEING SENT TO ME ... ... .... 

2 ) Payment history you sent lists XXXX XXXX with different address then you previous responded with, and NO XXXX is listed anywhere on this payment statement. 

3 ) Your letter states that loan is charged off with a balance of {$50000.00} STILL DUE, HOWEVER, the payment history you provided clearly shows that you Charged off the full balance, issued a XXXX, which left the outstanding balance of {$0.00} BUT you STILL ACTIVELY TRYING TO COLLECT ON THIS ACCOUNT. I find this illegal! 

4 ) Mortgage statements you sent dated XXXX XXXX, XXXX show XXXX XXXX as the borrower XXXX XXXX WAS NEVER ON THESE MORTGAGE STATEMENTS THAT YOU 'VE SUPPLIED. 

5 ) WITHOUT A MORTGAGE NOTE LISTING MY NAME AND SS # YOU CAN NOT BE REPORTING THIS ACCOUNT ON MY CREDIT REPORT. 

6 ) WHEN ACCOUNT WAS CHARGED OFF AND XXXX WAS ISSUED, CHASE CAN NOT CONTINUE TO ATTEMPT TO COLLECT DEBT ON THE CHARGED OFF AND XXXX ISSUED ACCOUNT.
I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX  while checking my    Trans Union Cr  edit report I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.
I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting XXXX the freeze. 
However, Experian online does not provide the option for victims, but rather has only one default - Pay them {$10.00}! 
Nor does Experian mention that available option ( again, going for profits while using our info but leaving it exposed due to their delays in implementing a Freeze ). 
Especially galling is the fact that I am an ID Theft victim DUE TO EXPERIAN. Their weak security and weak supposed " encryption '' allowed my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, to be stolen by hackers, ALONG with XXXX XXXX other XXXX victims of this theft / Experian failure. 
In that my personal info was obtained in Experian 's data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely, immediate Security Freeze. 
XXXX the preceding question, there is no option available from Experian to discuss the problem ( i.e. they only apparently want to collect fees )
On the XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX   claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX XXXX XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX XXXX XXXX  manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error.

Now in XX/XX/XXXX, I am receiving this notice out of nowhere.
On XX/XX/XXXX Capital One auto finance illegally took a payment out of my bank account.The payment was scheduled for Fri XX/XX/2016.And the agent put in the date for XX/XX/2016. It has caused all of my bills to bounce and my account is overdrawn.I have spoken to XXXX the account resolution specialists.And they want me to fill out a refund form and fax it back and do all of these things that we are not responsible for.The agent did pull the call and did verify that we did indeed request the payment to be scheduled for XX/XX/XXXX. and not XX/XX/XXXX. They are having a hard time putting the money back into the account.
Portland Credit Inc, also known as Fidelity Collections took exempt funds from my HSA ( Health Savings Account ) and charged a fee for doing so also. In the state of Oregon, HSA accounts are exempt accounts. I submitted a complaint regarding this and also attached my HSA statement with the complaint however XXXX ( the collector ) still refused to honor it and demanded that I go to court to have a judge determine that my funds shouldnt have been taken. I went to court on the XXXX of XXXX 2015 and it was determined that ALL funds must be returned to my HSA account including the erronious fee charged for taking the funds. I still have not received my funds back and I have given ample time for them to comply. I am still being adversely treated by this company and I need those funds to pay for my childrens medical bills. I am also losing interest on my funds not being in my account. Not only has XXXX incorrectly handled my account by not providing federal disclosures or properly verifying my identity when I called before discussing detailed debt information, she has purposely witheld my funds even after being made aware that the funds are exempt and required me to lose wages by having to go into court to show a judge what I 've already provided in my initial CFPB complaint. She has placed a Lien on my property for a debt that is below the amount of XXXX dollars which is not at all how collection agencys treat people with debts. I not only have already had my personal information shared within that company due to my XXXX, but I have been also charged fees that have nothing to do with the debt itself. This company is being extremely and overly aggressive of my debt due to the fact that I have my XXXX and more than likely providing false claims and information about me to make them attack me more aggressively than any other person they are trying to collect a debt from.
I 've disputed XXXX credit cards that were paid in full and are n't reflected as updated. 

Experian 's " investigation '' did n't end up removing XXXX of the cards, my XXXX card. This information is inaccurate and still remains on my credit report. The account has been paid and should reflect this.
Insufficient effort was made to notify me of my debt. As a result, I did not receive notice of my right to dispute the debt, which is required by law. The first communication I received regarding the debt was a notice of license suspension received from a tenant at a very old address who tracked me down ( apparently they are better at skip-tracing than MCSI ). 

The phone number that was used to attempt to contact has not belonged to me for over a decade. No further attempts, that I am aware of, were made. 

When I called to request this information be forwarded to my correct address withing five business days, my request was refused. 

Please see the attached document for a record of the notification ( Dated XXXX/XXXX/16 ) mailed to outdated address.
I thank Seterus Inc. for their response. There seems to be areas for correcting their findings and perhaps practices for other accounts.
1 ) Escrow account : Seterus said that they applied my tax refund to in the amount of {$2400.00} back to my escrow account. That, in addition, " there was an escrow shortage of {$440.00} '' as of the date of their XXXX answer to my complaint .... '' Please be advised that you will only receive part/all of this tax refund if there was an overage in your escrow account. '' Here, Seterus received TWO of my tax refunds, one in XXXX, which they accounted for, but also one in XXXX, of the same amount, which for which they did not account in their XXXX response to CFPB. This information was faxed to and made part of my CFPB file and received by Seterus. Therefore, this second tax refund should be sent me as soon as possible.
2 ) The XXXX tracking of my XXXX payment. In XXXX, I sent at least two envelopes by certified mail. Seterus ; answer seems to have mixed up the tracking for the XXXX XXXX and XXXX XXXX mailed envelopes. They have the first page of the tracking number ending " XXXX '' which did n't arrive until XXXX XXXX. But their second page refers to the XXXX XXXX mailed PAYMENT which number ends in " XXXX, '' was waylaid through Tennessee, but still was signed for by Seterus ' agent on XXXX XXXX, 2017, so the payment was NOT late. It looks like they mixed up the two XXXX tracking statements somehow.
3 ) New : on my XXXX statement, it says the Regular Payment is {$1100.00}. But at the top of the statement, it says that the " Amount Due '' is {$1200.00}, presumably including a {$30.00} late fee, IF the payment is late, after XXXX XXXX, 2017. But at the BOTTOM, on the payment coupon, it says " Total Amount Due '' XXXX. Then it says " payment after XXXX XXXX, 2017 is XXXX. But the regular payment is XXXX It looks like Seterus ' error here, could make many people pay a late fee TWICE. If this is compounding the practice over thousands of customers, this error could make a serious error of millions of dollars to the detriment of customers and create a serious accounting problem.Seterus needs to fix this.
On XX/XX/XXXX I received an alert that there was some activity on my credit report. I investigated to find out that a new collections account had been opened by XXXX XXXX XXXX. I XXXX   the company and obtained their contact information. I contacted them at ( XXXX ) XXXX to discuss the matter. I was informed they were attempting to collect an outstanding debt of {$510.00} for XXXX XXXX XXXX for Date of Service XX/XX/XXXX. I informed them this debt was paid in full in XX/XX/XXXX after 12-13 months of dealing with several insurance companies and my workplace. They informed me this date was outstanding. I stated they could send the information to my home if that was in fact true and terminated the call. I received no such documentation to date. 

I then began calling several agencies to determine what insurance company handled the claim. XXXX XXXX, who was my health insurer at the time, informed me that the claim was deferred to my auto insurance company XXXX XXXX. I called and spoke with XXXX XXXX and was told someone would return my call within 24 hours. On XX/XX/XXXX I received a call from XXXX XXXX stating that the claim for XXXX XXXX XXXX, which totaled {$990.00}, was paid. I have been unsuccessful in speaking with XXXX XXXX XXXX. When I called the creditor and requested the contact information for XXXX XXXX XXXX I was transferred to a supervisor who stated that the bill was bought out by XXXX XXXX XXXX. I was provided with the number of ( XXXX ) XXXX. I called XXXX customer support and spoke with XXXX who stated that the bill was sold to XXXX and it is outstanding and that any information I had must go through XXXX XXXX XXXX. 

My complaint is that this bill has been paid for at least 2 years, and now a company with a rich history of attempting to collect on paid bills ( only for the payee to later find their credit card number was stolen ) is continuing said practice causing undue hardships on payees to have to put in all this work for something that has since been handled.
I called Transunion twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
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The following inquiries should not be listed.   XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
XXXX, 2015, I was injured in a car accident. I hired an Attorney, who acted on my behalf. All bills were paid relating to the accident accept the Medical provider who did not bill or provide the data to my Attorney timely or bill my insurance. My insurance company pays 100 % of XXXX. Record shows the hospital has my data on file as well as insurance. The hospital was paid in full. I spoke with personnel XXXX, who has yet to send me the itemized listing or services rendered for XXXX. This info remains and is affecting my credit. I called the Collection Agency, who made note. XXXX should be held accountable and liable for not reporting and filing with my Insurance company. The appearance on my credit report is viewed negative. I do not recall services rendered for the days indicated below. If I owe why was the insurance company not billed and the data turned over to a collection agency? This in general is the responsibility of the patient, initially. however, the Medical provider must do it 's part and bill.
XX/XX/XXXX - {$640.00} XX/XX/XXXX- {$490.00}