WillisBack/dataset-financial-user-claim huggingface dataset:
Upon the transfer of this mortgage to XXXX, our escrow was doubled due to an accounting error by XXXX. We were in the process of disputing this when XXXX refused to apply any payments towards the mortgage. We stopped paying during dispute but XXXX was no help and we were then put into foreclosure. During the foreclosure process we then received an offer of modification for the exact amount that we originally should have been paying less the error n the escrow. The attorneys for both sides handling this came to a resolution and XXXX attorney then sent us a letter for us to send to the credit agencies that have us listed negatively stating that this was an accounting error and we should not have this adverse credit. Experian and XXXX have both sent in disputes numerous times to XXXX to have them remove and update our credit to no avail. As of this date, I still have this on my credit as negative and I am currently under contract to buy another home and am working with a mortgage lender, however due to the low score stemming for this negative report, I am in jeopardy of either NOT getting the mortgage or paying a premium interest as well as other fees! XXXX also does not have a direct line or person to speak to for any kind of help! Please not prior to this we have 2 mortgages with never being late as well as the one I question never being late prior to the accounting error on XXXX part.
XX/XX/2019 XXXX XXXX  1. Collector implying a delay in getting back to him after I requested to contact the original creditor to verify why debt came to collection, since payment plan was in place. 
2.Collector suggested to me to use one of my credit cards to pay off the medical bill that is in collection because I have a good credit. 
2. He threaten to report me to an agency for non-payment of a medical bill that I have a payment plan and have honored. 
3.Collector told me that I don't belong to the category of debtors to be paying such small amounts and also that I always pay all my other debts except the medical bill. 

XX/XX/2019 1.Collector declined my suggested payment amount and insisted on a different amount. 
2. Stated my call was being placed on hold because " he had to answer another call from someone that was paying him {$5000.00} '' No return call. 

Prior, repeated calls, voicemails and use of strong and pushing language.
My wife & I purchased a 'travel club membership ' on our Visa after being told by the salesman that we could use it for our XXXX we take XXXX for XXXX work. Since my wife works for an airline I told him we did n't need it for our personal use but would be interested if we could use it for these trips. He assured us it could. As our documentation shows, we were given promises that did not materialize. So i began to call and complain, and demanding a refund and being told it was beyond the 3 days allowed by law - rudely at that - I finally took them to small claims court in XXXX, XXXX, and won a judgment. Since this company is a 'scam ' and knows how to work the system, they have multiple offices in XXXX , XXXX , and XXXX that i know of. Trying to get a physical address and trying to collect is nearly impossible. So I asked Visa to reverse the charges. I have my Visa through Arvest Bank, which uses Security Bankcard Center. Initially they reversed the charges ( Arvest did ) but then they called and said Visa will not reverse them since I had a judgment and might collect double payment so I needed to pursue through the courts. Per my attorney i was told to press Visa to reverse the charge. They refused saying it was past the 'statute of limitations ' of when the charge was made. The travel co. would n't refund and cancel because they said it was past the 3 days, yet it was during that first week I was trying to use their services before finding out the empty promises. They also complained to Visa saying I used the services. I tried getting quotes for airfare, rental cars, etc. and the only thing I could use was a rental car - and that did n't save me any money from what I could get elsewhere. A far cry from spending over XXXX for these 'special discounts. ' This travel company goes by " XXXX XXXX '', " XXXX '' or " XXXX '' - all of which have a lot of bad complaints online. I only which I had researched it before we bought!
This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package to Frederick J Hanna & Associates. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX Frederick Hanna sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.
On XX/XX/XXXX TransUnion sent me correspondence explaining they could not use the documents I sent to them relative my validation request. 
My letter dated XX/XX/XXXX requested validation pursuant to 15 USC 1692g Sec. 809 9 ( b ) of FDCPA in relations to XXXX XXXX accounts # XXXX and XXXX. However what appeared on the attached Federal Trade Commission Id theft Report # XXXX, was intended for XXXX and XXXX. The portion of the inquirers listed on the report was directed to all bureaus. 

I was thinking the inquiries would have simply been removed under section 605B, as a victim of identity theft. Instead, they sent me a TransUnion Identity Theft Victim Assistance Affidavit, when they received my identity theft report.
My husband and I had mortgages Bank of America For the last twelve months they have misrepresented that they would modify a line of credit as my husband and I has lost our jobs. They refused to take any monies from us during this time even though we were trying to become current. The after they kept stringing us along for 8 months. 
They denied the remodification and foreclosed on us even after we brwd the money to pay. 
after t
I bought a house XXXX IL. XXXX In XX/XX/XXXX. My close was owned by XXXX, Then XXXX in XXXX. I refi- with Bank america XXXX. XX/XX/XXXX i receive a call from Bank America and I was told we are going to take your house. So XXXX Bank America transferred me to XXXX and XXXX for foreclose. XXXX house broken into identity thief with my home owners insurance. fraud foreclose papers blacken out and Bank America report to the credit bureau I never a payment. House taken away.
Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to  XXXX  as erroneous information and violating the FCRA.
I was approved for a {$400.00} installment loan on or about XX/XX/18. The money was transferred to my bank and received on XX/XX/18. 

I have made XXXX payments of {$100.00} towards the loan, totaling {$760.00}. The last payment made on XX/XX/18. 

On XX/XX/18, I called for the pay-off amount and the supervisor I spoke with stated I owe {$360.00} ish dollars. 

On XX/XX/18, I logged into the website, my account balance is {$360.00} and is considered " past due. '' Based on the verbal conversation on XX/XX/18, the supervisor revoked ach authorization and placed the account in collections status. 

I have never received documents in the mail and/or email from this company, just the {$400.00} debit to my account. 

They operate using unfair and deceptive or abusive acts and practices. Ridiculous interest. Please conduct a review.
I have been contacted by XXXX XXXX for a debt I owe to Synchrony Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX *********** at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX
I was involved in the great Equifax incompetence credit fiasco of a few years ago. I attempted at that time to acquire my credit report, but was unable to due to computer problems and the difficulty ( intended ) of using their system. At that time I placed a credit freeze on my account in vain hopes of preventing any more damage to my file than Equifax already had done, through their GREED DRIVEN incompetence. I never did receive a verification that this ever took place. I have worked hard and paid smart all of my life in order to have and protect a good credit score. 

Over the last several years I have noticed a decrease in my score. Although my bill paying habits have remained the same. 

I was recently denied a credit line increase thru one of the credit cards that I own. 

I attempted both over the phone and online to request a free report ( AS PRESCRIBED BY LAW ) All that XXXX XXXX Equifax wants to do is charge me money for something that's supposed to be free. I will not under ANY circumstances give those XXXX one XXXX iota of my money. 

No method I have attempted for resolving this has worked. Meanwhile my score continues to decline without me having any mechanism to determine if it is due to fraudulent activity. ( Remember, these same XXXX XXXX XXXX away my information ) And heaven help me if there is fraudulent information and I have to go through these sorry sacks of XXXX to correct it. 

How can I end this continuing nightmare, that as you can easily see, gets my XXXX XXXX thru the roof? 

XXXX XXXX
I have disputed the Ad Astra Recovery Services with XXXX and XXXX stated that they verified this information. I do n't understand how can they verify an account that do not belong to me. This account was open as a result of identity theft or they insert this account on my credit file. I need your assistance in getting this matter resolved.
Today, XX/XX/XXXX I used Bank of America 's login to send money to an individual to purchase tickets to a hockey game. The price for two tickets was {$200.00} total. I logged in to Bank of America to send the payment through their app called XXXX. Per their website this is intended to " Securely send or receive money to/from others using only an email address or mobile numberno account numbers needed. '' I used this to forward the {$200.00} to the individual. After it was taking a little while to get the tickets emailed I decided to look into this further. I used a fake email to email the same guy and ask for the tickets. He agreed to sell them to me again though I had already paid him as the real me. So I knew it was fake. 

I called XXXX and was told there was nothing they could do but I should call BOA and speak with them. I spoke with BOA and was told that the payment says it is processing but has already been sent. The lady I spoke with indicated that since I authorized the transaction there was nothing BOA could do. I have an issue with BOA falsely advertising their product as a " secure '' way to send money. XXXX also indicates that they are a secure way to send money and back that up as indicated by protecting the user if fraud occurs. Buried deep in the TOAs does BOA finally say that this isn't protected. Please note that it doesn't say this anywhere in the process to send money and I only found it after I XXXX  this and had to really hunt. I would like BOA to refund or charge back the {$200.00} as requested. I would like them to back up something that they promote within their own website as being safe and secure way to send money. 

Please also note as quoted from their website : " Is it secure? Yes, with our BOA Mobile Banking Security Guarantee, you are protected by the same security you're used to where you will not be liable for fraudulent transactions ( when reported promptly ) and we will help keep your information safe. '' This transaction is now fraud due to the fact that a service was offered and then not provided.
The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim because XXXX XXXX XXXX neither the department of Education have produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.
I have had the unfortunate experience of having an account that was previously deleted from my credit file re-inserted in direct violation of the Fair Credit Reporting Act. 611 ( a ) ( 5 ) ( b ) ( i ) ( A ) " the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. 

The account was originally deleted with XXXX, but when the responsibility of collecting the alleged debt was transferred to AMSHER COLLECTION AGENCIES, it was reinserted to my credit file without " certifying that the information is complete and accurate. " I contacted the credit reporting agencies to inform them of this mistake, and they advised I discuss directly with the furnisher of the information. 

I emailed the furnisher, AMSHER COLLECTION SERVICES - ORIGINALLY XXXX, the attached letter XXXX XXXX, 2015, requesting the account be immediately deleted. 

I followed up with a phone call to AMSHER XXXX XXXX, 2015. After much time and many transfers, I finally was speaking to the proper customer service representative, XXXX. I explained the mistake, it was likely an administrative error, requested AMSHER immediately delete the account and inform the credit reporting agencies. She stated, " Since we do not purchase debts, we can not remove them from the credit reports. " I informed her that this is in direct violation of the FCRA since they are furnishing the information! If they can furnish derogatory information then not only can they delete it, but it is their responsibility to delete it, especially when made aware of the violation of the FCRA ( re-insertion of previously deleted information ). She transferred me to her manager, XXXX XXXX. 

I again explained the situation to XXXX, but he stated that since they recently acquired the debt that it must be valid and therefore can not be deleted ( he stated nothing about not being able to delete it since " AMSHER does not purchase debts '' ). I informed him that these are significant violations of the FCRA - both reporting inaccurate information and reinserting information that has not been certified to be complete and accurate - and even offered a solution whereby they remove the account in question while AMSHER and XXXX internally resolve the issue. IF they " certify the information to be complete and accurate, '' then they could re-insert it and be in compliance with the FCRA. How can any furnisher of information reject such a common sense solution that is in compliance with the FCRA? 

I informed him that I am extremely familiar with the FCRA, and I will immediately file a complaint with the Consumer Protection Financial Bureau if he is not willing to delete it as this is an extremely clear case. He told me to " do what I have to do. " I request the account be immediately and permanently deleted from my credit file as these violations of the FCRA are negatively affecting my ability to gain employment. Due to my employment application situation and the clear violations of the FCRA, I ask that my request for deletion be expedited. 

Thank you for your consideration.
XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PNC BANK 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.
Hello i have a XXXX credit card and i check my monthly reports on Credit Karma I've never been late on payment and my score went down 30 points and i don't understand why.
I sent a request for debt validation to the creditor, portfolio Recovery on XX/XX/XXXX. They have not responded and it has been over 30 days. As per FCRA ruling they have 30 days to respond to and request for validation or the account must be removed from my credit report immediately. Portfolio Recovery has failed to respond in the allotted time and I am requesting that the account be removed from all my credit reports entirely. Attached is my original documentation of the request for validation dated XX/XX/XXXX along with the receipt for the mailing postage. Please remove the accounts portfolio recovery, from my XXXX, XXXX and XXXX Reports. DO NOT RESPOND TO THIS WITH A NOTICE TELLING ME THE ACCOUNTS ARE VERIFIED. The verification request was sent to the creditors and ignored past the 30 day ruling of the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
XXXX would not send me a new card to my new address because I did not have the security code on back of card!!! I decided to pay off card in full after many telephone transfers even to non English speaking county, who did not understand me. I then received a bill for interest incurred ... I paid that fee. After about 6 hours of phone calls my card was never closed. They kept charging me fees which have no explanation attached to the bill. They also refused to allow me to use my {$140.00} in cash rewards. My last attempt to solve the mystery of a XXXX fee and how to use my rewards after being transferred around for the 10th time, I was hung up on ... with no resolve. They continue to bill me for an unexplained fee.
a judgement was placed against me and funds taken from my bank acct. when summoned to court, all funds where returned due to violation of FDCPA. judgement was not released at that time, i filed for revocation of judgement and it was satisfied. collector still reporting to credit bureau i owe twice as much.
I was on a trial payment for my mortgage with Select Portfolio Servicing ( SPS ) with a payment that consumed over 70 % of my income. I made the payments under durress and borrowed funds. Although it was known I was unable to make the trial payments, I did and then received an offer of an even higher payment for a balloon loan. REALLY? 
If the mortgage holder, SPS, was aware that the payments were unreasonable for me, why would there be an increase and an offer for a balloon payment? I complained that the payments were too high, based on my income, but there was nothing done to establish a payment that was reasonable and affordable. I have lived there for over 20 years, although I now owe more than I did originally and no one can explain why this is. I love the location and have done all I can to hold on to this property. Therefore, I have since moved out and am currently looking for a tenant who can pay the mortgage that I am unable to pay. I will not accept a balloon payment or a higher payment. This is utterly ridiculous. 
ALSO, I just checked my credit score and the biggest blemish I have is from SPS for late payments. I was unemployed, received assistance from Illinois XXXX XXXX, unemployed again and then began working part-time. I made all efforts to pay, even borrowing money I have since been unable to pay back. Now my credit is ruined and I will never be able to buy another piece of property. 

SPS does nothing to work with those in need, ruins credit, offers payment plans that are disadvantageous to consumers and establishes situations that only force owners into forclosure. Consumer BEWARE. I sincerely hope you will look into their lending practices and how they pray on those with hardships.
This account was opened in XX/XX/XXXX not XX/XX/XXXX! They have false dates on my credit report which is effecting it negatively!
I have been engaged in dispute with XXXX XXXX XXXX XXXX, Santander, and XXXX XXXX XXXX since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.
I had filed a complaint previously because XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Phone # : XXXX appeared on my credit report. The company failed to validate - i had no idea what it was. I received a letter from XXXX XXXX saying that XXXX XXXX was updated the three agencies and deleting the listing. The listing has since been removed from my XXXX and XXXX report, but Transunion however has still not deleted it.
XXXX BANK IS REPORTING ACCOUNT XXXX AS CHARGE OFF I NEVER OPEN AN ACCOUNT WITH THEM. I CONTACTED THE CREDIT BERAU AND THEY WONT DELETE IT
This account is showing as late on the reporting. It is incorrect information. 


XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments - Payment History