WillisBack/dataset-financial-user-claim huggingface dataset:
I am complaining about SPS telling XXXX XXXX XXXX XXXX to take my money and forcing me to do a short sale on my house. SPS has called me and set me threatening letters trying to force me to short sale and relocate. They started on a recorded line that they would look at my loan modification.
I have tried now for months to handle this on my own. I have gone to XXXX XXXX and they don't even want to sit down with me because the account is closed. I tried XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX. I have also called numerous times same dates because I would go into the branch they would give me number because, " they were unable to help me '' and I was on the phone for hours transferred to multiple times all while getting no where. Then one day recently XX/XX/XXXX I called to be transferred to 6 representatives when I finally got a nasty man XXXX XXXX agent number XXXX. That was a 4 hour conversation where I was transferred 6 times and they said there is nothing they can do because the account is in my name and closed. 

Back in XXXX I started working for XXXX XXXX, owner of XXXX XXXX XXXX  and XXXX XXXX XXXX, in XXXX XXXX. I was doing mostly office work helping him collect on past due accounts, I was in charge of payroll, ( Which never happened ) scheduling and sometimes I would go out into the field for estimates or to do work. He had mentioned to me that he was going to add me on the " Business Bank account '' and make me a signer because we were getting into situations when he would want me to write checks and I told him I can not because it is not my account. Then one day in XXXX we went into a XXXX XXXX  and we did just that, made me a signer. I made it clear on multiple occasions I just wanted to be a signer. That day when I was added XXXX account was already negative, I said this seems like a bad idea I don't want to go on this account as a signer when it is negative. He said a customer had written him a check and it will be handled. I believed him. 

Now fast forward to XX/XX/XXXX I have never written any checks out of that account nor did I ever have a debit card with my name on it. My issue is this was his account it is negative because of his negligence not mine. I had a XXXX XXXX XXXX  account for 19 years which now is closed and purged because XXXX XXXX wrote and deposited checks into my account and they were bogus. I have already filed charges against him and had to get multiple police reports because this man stole my identity and ruined my life in just under a year. He is now being held at the XXXX XXXX  XXXX XXXX where he is facing multiple XXXX XXXX XXXX XXXX XXXX XXXX. 

I need help resolving this issue so I can begin to get my life back. When I met him I had an XXXX credit score and the same bank account for 19 years. My credit score is now under a 5 and I am unable to get a bank account because of him. He also opened a XXXX account in my name which had multiple checks deposited and it was left negative and purged. He opened that without any of my knowledge.
I was looking to buy a car and went to XXXX website. I found a car I liked and talk over the phone to " XXXX ''. I applied to be pre-approved over the phone around XXXX, she texted me at XXXX that I was pre-approved and to call her back. First, I called many times and was never able to reach her so the next day, I went to another dealership with a similar car, applied for financing and they told me that my credit was bad and that I had NINE hard inquiries on my credit report the previous day. 

Under no-circumstance I authorized XXXX to run 9 requests on my credit report, I was expecting to have one hard pull but not 9 which is extremely damaging to ym credit. Also I do not understand why someone texts me to call but doesn't pick-up the phone ...
XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and XXXX XXXX XXXX XXXX, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California
In response to complaint XXXX, I have provided this information over 30 calendar days ago, and provided it again today. I have enclosed copies of the correspondence. Equifax 's breach is obviously more serious than originally reported, I would suggest a full investigation. I have not been able to access my credit report in fiscal 2018 and have good reason to believe that it is tainted with incorrect information due to the data breach. This is my last step prior to litigation.
I requested that XXXX XXXX provide me with copies of full accounting of two accounts they are reporting on my credit report XX/XX/2018. 
The law requires them to provide these documents within 30 days or they should remove these accounts from my credit report. 

I have yet to receive any copies of any letters that says they own the debt, when the debt was transferred by the company or an accounting of how they came to the amount they claim I owe. 

I would like copies of these documents according to the FCRA.
The State of Missouri Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of Missouri Federal Court - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from XXXX, Equifax and XXXX. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XXXX off of my XXXX Credit Report. Thank you so much.
I have told this collector identified as XXXX or XXXX. The number appears as local to Colorado. I spent 45 minutes updating my address. Asking for a settlement offer for 10 year old medical bill. This bill has already been written off per my credit report. Each rep that calls gives my old address. Five years old. They never have sent the settlement in writing as requested. Probably due to the wrong address. I now have a new medical diagnosis. Daily treatment is required. I do not want to be contact by these people any longer.
Been waiting for Citizens bank of XXXX, RI to release a XXXX mortgage - since XXXX 2015. Trying to get a line of credit. This is a old mortgage and I have refinance since this loan. Do n't understand how long is a reasonable time to wait.
Received call from XXXX XXXX XXXX Supposedly in North Carolina stating they had received letter from XXXX re an old bill. They wanted my credit card information and to pay now or else my credit would be ruined. 
Called XXXX, they verified that bill was XXXX.
I was contacted by Diversified Consultants Inc in XX/XX/2017 regarding a collection balance with XXXX. During that conversation, I disputed with the validity of the debt with the representative. The representative told me that I could find the bills with the charges by going back to XXXX for the billing details. I followed up the verbal dispute with a letter disputing the collection. 

On XX/XX/XXXX, Diversified XXXX contacted me and I disputed the charges again. I dispute the amount of charges imposed by XXXX, as I could n't possible owe {$3500.00} for terminating my services after 10 years with the company. The representative again told me to go on XXXX to pull up the bill. This is a direct violation of the Fair Credit Reporting Act requesting validation of the debt. The representative offered me a settlement of the account and due to their unethical practices, offered me a settlement taking {$1400.00} off the balance. I continued to feel pressured to take the settlement as to not affect my credit rating. 

I accepted the settlement, gave out my personal financial billing information for the installment payments. During the call with the representative, I asked about the account now affecting my credit. The representative told me that, of course after getting commitment of the payments, then said that the account would be reported to the credit bureau the very next day. I asked for a letter confirming the payments and the arrangements and the representative said that they do n't have these type of letters to provide. 

I asked the representative to speak with a supervisor to understand that after being pressured into a settlement of an account that is inaccurate why would they continue to falsely report inaccurate information to the credit bureau. The supervisor told me that there is nothing that can be done, the account would be report and updated as " settled in full '' once the final payments were completed. But until that time, they would report the entire inaccurate balance of {$3500.00}, not the settled balance. 

The unethical practices of Diversified Consultants has damaged my credit, as I was in good faith trying to make arrangements and pay the accurate amount for the XXXX account. To this day, I still do not have the final billing or validation of the debt.
In response to prior complaint ( below ), XXXX stated that my account was closed and there was no remaining debt ( XXXX case number : XXXX ). Nevertheless, I continue to experience extreme harassment by collections agencies for these charges. Due to lack of coverage and fraudulent advertising of coverage maps, I canceled my XXXX XXXX account. This was followed up with a letter from a collections agency ( XXXX XXXX XXXX ) for {$120.00} for my XXXX account. XXXX did NOT notify me at any point of this balance before forwarding to collections. Upon contacting XXXX, they refused to provide the basis for this bill, or a rationale for using a collections agency before notifying me. They further refused to state whether the bill was valid and could not tell me what account or service it was for.
Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, AS OF XXXX XXXX, XXXX {$320.00} AT : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. 
XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You are n't as much ... why? 
REMOVE THIS ASAP!
XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.
In   XXXX   I applied for financial aid to attend  XXXX   XXXX  College. I applied for a student loan to cover the total cost of my expenses for the semester. A month and a half into the semester, I received an email stating that I had received too much money from the school. When I emailed  XXXX   XXXX ,  Direct Loan   Financial Aid Specialist, a bout it and asked for proof of why I owed the school, He could not provide me with anything. He wrote me an email, where he spelled my name wrong ( I do n't think it was intended even for me! ), and vaguely stated I owed the school money! Fast forward 4 years later, they have sold that debt to a debt collector nam ed Williams and Fudge to  the tune of {$3000.00}, which is negatively impacting my credit and also have held my grades so that now I 'm not able to continue my academics! When I disputed this account through the credit bureaus, they refused to delete it and sent me a faulty ledger, with dates out of place, and no signatures! I have done the math and It was not proper validation of debt that I owe then anything!
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
See the attached information from WELLS FARGO FINANCIAL NATIONAL BANK - I have NEVER opened a credit card with this " bank '' or had any other account with them until XXXX XXXX of XXXX XXXX, TN put my car purchase through the Wells Fargo Dealer Services that is located in XXXX, Colorado. I want this removed from my credit history and if it has affected my credit I will personally sue them and it will hit the world news. Apparently they are still scamming people and I will not tolerate this.
Navient Told me I as in the program to work towards Public Service Forgiveness. I've been paying for 4years and recently found out it was all a lie. And I have to sign up for other program and start the " 10 years all over ....
I have applied for a home mortgage with American Financial Resources. They asked me for information in regards to some properties that were included in a bankruptcy, which was discharged and I was no longer held accountable. AFR is claiming they were foreclosed on after my bankruptcy ( keep in mind no longer my obligation ). I know the law states I once the bankruptcy is discharged I am no longer responsible financially for the properties. I provided all the documentation and explained to them the process. They are now asking for documentation that does n't even exist and asking for letter from my accountant that he legally ca n't document. I feel they are discriminating again me because of my previous financial history, even though I have provided all the legal documentation confirming everything in question. Now there are some concerns on what documentation they are asking to provide given lending laws. Thanks.
I reviewed my credit report and discovered that XXXX pulled my credit. I never authorized this fraudulent inquiry. I demanded XXXX and equifax investigate this remove it from credit report. However neither has done anything to assist me. I am attaching certified letters i mailed out to both advising them the information provided was unauthorized.
Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.
I sent out a dispute letter via certified mail to Equifax on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from Equifax. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.
Portfolio Recovery calls my # from about 50+ " spoofed '' numbers for someone else 's debt. I have told them the debt isn't mine and requested them to stop calling, but they persist and call at least 6 times a week.
Equifax allowed a breach of security to have my identity stolen. I am filling my official complaint for this oversight.
This is a dispute response from CFPB # XXXX to the Wells Fargo Mortgage response letter dated XXXX XXXX, 2016. Wells Fargo 's research was incomplete and inaccurate in the evidence it outlined supporting their position on pursuing foreclosure to my property. They did not document in their letter all recorded conversations with all of the representatives which were assigned to my case ; the recordings would show that what the representatives communicated to me by phone was not reflected in the letters sent by Wells Fargo. Not all of the letters sent by Wells Fargo were included in the documentation outlined by the bank ; such as the two letters dated the same date of XXXX XXXX, 2016. One was from my representative outlining the procedure for a loan modification and one from the attorneys at Wells Fargo indicating the bank was accelerating foreclosure on my property. The other letter which is questionable and listed in their documentation was the letter dated XXXX XXXX, 2016 which I received a week after the aforementioned letters. This letter informed me that my Disaster Relief Program had ended in XXXX, 2016, yet I received the letter in XXXX. Wells Fargo claims it was just a administrative error and the letter was not generated in a " timely manner ''. That is a huge administrative error! How can my representative send me a loan modification packet dated the same date as the attorney 's letter announcing accelerating foreclosure with a sale date of XXXX XXXX, if Wells Fargo was honestly going to consider me for a loan modification? It would only give me about 3 weeks to submit all the necessary paperwork, wait for their decision, and then if declined scramble to come up with all the money necessary to reinstate my loan. Also, the date of the property inspection for foreclosure listed in the Wells Fargo letter was misleading ; they listed XXXX XXXX, 2016 and the company that came out to take photos of my property came out on XXXX XXXX, 2016 while I was still technically in the Wells Fargo Disaster Relief Program. I personally believe that Wells Fargo continues to be the " bully of foreclosures '' knowing they are protected by the federal courts and therefore get away with deceptive, misleading tactics towards their mortgage customers who are struggling financially. I think the company seeks to put consumers in their Disaster Relief Program with the hidden intent of pursuing foreclosure, especially with properties that have substantial equity, as with my property. Those who have experienced a natural disaster and are trying to repair and rebuild their homes are weary and susceptible. They are vulnerable to companies claiming to want to help them during their difficult situation ; yet these companies are carefully calculating how they can profit from a consumers misfortune. I would like to see XXXX pass legislation that would require mortgage lenders to approve loan modifications to consumers that are in their Disaster Relief Programs.
On the following dates a hold was placed on my Citibank credit card without my consent or knowledge : XX/XX/2018 XXXX XXXX XXXX $ XXXX,XX/XX/2018 XXXX XXXX XXXX XXXX {$50.00}, XX/XX/18 XXXX XXXX XXXX {$100.00}. I reached out to XXXX XXXX an was told a hold was placed on the card for incidentals and hold was released on day of departure. However, the holds were still showing on my Citibank account which denied me use of purchasing power. I then reached out to Citibank and asked for an immediate release of said holds, that were on the account for weeks close to a month. Citibank refsued to release said hold, insctructed me to reach out to XXXX XXXX, and stated only XXXX XXXX can release said hold. I again reached out to XXXX XXXX who confirmed in writing Citibank is the one not releasing said hold on the account. 

As the consumer I am caugh in the middle and holding Citibank accountable because once I disputed said charges the hold should have been removed until investigated by Citibank. I filed a similiar claim with the CFPB over a year ago about the same incident and business XXXX XXXX and Citibank.
On XX/XX/2018, I called XXXX to inquire about the process to resolve a miscalculation of my payment amount. I had submitted recertification documentation approximately one month earlier, and my loan repayment amount had increased by over 90 % without a corresponding increase in income. I believed then, and believe now, that this was an error. 

During the course of my call to XXXX, I spoke with three separate customer service agents that were unsure of how to help me. I was advised by each of these service agents to upload a letter to my account explaining the situation and why I believed there was mistake. I did so in detail, and received notice that XXXX had received my correspondence on XX/XX/2018. 

In my letter, I cited the published formula used to determine repayment amounts, and included extensive documentation about my household finances. I requested adjustment to my repayment amount, and -- if denied -- I requested a brief explanation as to the math being used to arrive at the figure and/or an explanation as to the reason for the rejection of my request. 

At this point, XXXX has not adjusted my repayment amount, and I have received no response or explanation whatsoever. It has been 4 weeks, which seems like a reasonable window for some sort of a response. ( I followed up with XXXX on XX/XX/XXXX, again requesting a resolution to the issue -- I did not  receive a response to that inqury either. )
Constant daily robot calls from the CBE group with no person on the other end, just a recording. Calls come morning and night XXXX to XXXX times daily.
Erc Bought an old debt from XXXX that was past the statue of limitations to collect then reported that it was opened new on XXXX of 2016 this debt is over 7.5 years it was sold to erc which has not verified debt and they are reporting a new open date with different amount owned sent a certified letter to this collection account to verifie debt and it was sent back they will not verifiy the correct date or amount and keep reporting it to credit bureas as an open account
Amex charges me a RENEWAL MEMBERSHIP FEE of XXXX on XX/XX/XXXX and canceled my account in XX/XX/XXXX. I didn't receive membership services for which I was entitled to as a member. I have contacted Amex on six different occasions to have this fee removed.