WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX at XXXX XXXX I closed on a property that had a mortgage with Ditech in XXXX XXXX XXXX. Ditech 's closing instructions required a closing fee of {$550.00} to cover the cost of their attorney XXXX and XXXX XXXX to attend the closing and collect the payoff check. Both of these items were completed as required. However, Ditech posted the payoff to my account onXX/XX/XXXX claiming that they did not receive the payment until that date and that it was wired. They went on to reported to credit bureaus non payment for the month of XXXX and make additional notes inXX/XX/XXXX that have brought my credit score down significantly. They also refuse to return any of the per diem that they owe me fromXX/XX/XXXX - XXXX. I have contacted them numerous times via phone and in writing to no avail. I have also reported them to the BBB and they refuse to make adjustments. 

From a legal, professional and ethical standpoint, XXXX and XXXX acted as Ditech 's agent, extension of their company in a legal capacity and was in receipt of my payoff as ofXX/XX/XXXX at XXXX XXXX. My account should reflect the exact date and time of the receipt of that payment. Ditech 's internal process is none of my concern nor should I be penalized for their complex internal protocol.
Information Equifax is incorrect they deleted my current address XXXX XXXX XXXX XXXX XXXX AZ XXXX and replace it with the address of a XXXX XXXX XXXX XXXX this not or never have been my address see atachments. 
Also these XXXX Accounts are not mine please provide me with proof in writing How I these credit accounts belong to Me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Open {$82.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$82.00} High Balance {$23.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$40.00} Remarks Medical XXXX
On XX/XX/XXXX and XXXX I received calls from Navient to my business line. I returned the call on XX/XX/XXXX and realized It was Navient 's attempt to collect a debt. While I do have student loans with Navient they are being paid and not in default. I was previously contacted on my business line on XX/XX/XXXX about the debt. I went through the prompts and the woman realized that they had called the wrong person. I asked her to not call my business line again and she obliged. 

So when I got the call in XXXX I was surprised. When I spoke to the woman I immediately said, I asked you not to call this line. She immediately went on the attack and threatened to sue me ; I explained to her that I'm not even who she was looking for. Again, she used very abusive language but when she went through all the identifying information, she realized ( as I tried to tell her ) it wasn't me she was looking for and then she hung up. 

I called Navient customer service to complain and ask that my business line not be called. Apparently they have no real process for this and could not identify who to call. They said call the person who initially contacted you. It was a direct dial to that person so I'm supposed to complain directly to the person that's the issue? I was told to leave a message asking for a manager to call me back. I've been calling for a week with no answer and no response. I want them to 1 ) not call my business line 2 ) stop calling me about a debt that's not mine 2 ) be fined for continuing to call a number I asked them not to. The person at issue is XXXX XXXX or XXXX her direct dial is XXXX. I spoke to her the morning of XX/XX/2018 around XXXX.
1 ) i applied for financing to USBank to help purchase a XXXX used XXXX for my son. I received a letter from USBank on XXXX XXXX, denying my application based upon the following information obtained from XXXX XXXX : credit score of XXXX. They then listed the factors which they claim adversely affected my credit score. In fact, my " Excellent '' credit score and disclosed income has allowed me to obtain credit over the years and recently in many multiples of the approximate XXXX i was attempting to finance. There must be other insidious factors at play. 
2 ) An apology and an explanation for the denial other than " Your credit score : XXXX ... '' 3 ) You have asked that i not include personal information. i can be contacted at XXXXXXXXXXXX 4 ) XXXX ( XXXX ) purchased from XXXX XXXX, XXXX, Illinois
First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with. 

These are the Equifax accounts. 

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX IN Last reported : XX/XX/XXXX {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00}
Alliance One has sent me a statement with the threat of a lawsuit on a parking ticket dated XXXX/XXXX/2009. the collection agency also is threatening to execute on a judgment on a matter which has not been litigated ( falsely insinuating that a suit has been instituted ). Alliance One also is displaying on their correspondence that I am employed, falsely insinuating that a income excution and garnishment will be issued. the outstanding debt refers to parking tickets, however, the collection agency has placed a negative item on my credit reports, therefore creating irreparable damage to my credit rating.
I received a random phone call stating very random information. Upon calling back was threatened and yelled at to pay and told if I was lucky I would be offered a settlement but then was yelled at and hung up on by the person on the phone claiming to be XXXX  XXXX. Person never identified which company they work for. I am worried this is a scam and that my identity may have been compromised.
Portfolio Recovery Associates I recently paid off 7 accounts with you that company. They are reporting these accounts with a status of 120 days or more past due, I NEVER had any contractual account with them at all, never an agreement to make monthly payments. They are inaccurately reporting negative information. They updated the 7 accounts by decreasing the balance when it should be {$0.00} balance. You can not report a status of 30,60,90, nor 120 days past due when I wasnt liable to Portfolio for a monthly payment.
I received Bank of America new mortgage statement. 
Total monthly payment amount increased from {$1800.00} TO $ XXXXDifference {$690.00}. Principal and interest are the same {$1300.00}. 
Escrow more then XXXX from {$530.00} to {$1000.00}. 
No reasonable explanation. i have a fixed rate, taxes and insurance are the same.
Issue : I have 2 bankruptcies listed on my Experian report Action : I have repeatedly and regularly written letters to ask them to provide verification of these two items and provide me with documentation showing the validity of these items.

Result : Since contacting them once a month for the last 6 months, they have only responded by saying the information has been verified by the company that provided it.

I wrote to the United States Bankruptcy Court in Illinois and Florida inquiring about what they reported about me to the bureaus. They responded on letterhead stating " The bankruptcy court does NOT perform any activities with the credit bureaus. You must contact the individual credit bureaus for their procedure for removing your bankruptcy filing from their report. '' This MEANS that the information on my credit report was NOT reported by the courts. It was reported by a 3rd party. This information provided by a 3rd party has never been verified as mine and since it is a violation of the Fair Credit Reporting Act to report false information, I am asking that these two items be deleted permanently from my report. EXPERIAN is the ONLY credit bureau reporting this information.
In XX/XX/XXXX our loan was transferred to Loancare. Apparently only my wife 's old work number was the only information that was transferred ( I found this out after I called about the bank draft non payments ). When I found out about my bank draft not occurring, I called my previous servicing company and was informed the loan was transferred. When I called the loancare the first time, I paid the full balance and was told the autodraft should be set up. Several months later, I realized the payment was still not occurring. I called immediately and made full payment and was correctly told by the associate that I needed to set up the auto draft myself. I did this immediately and now it 's all setup and working. The reason this is so time sensitive is because we are in the process of buying a new home and my credit score decreased significantly because of the late payments. We have never had a late payment in the 9 years prior to the loan transfer. This should not be an issue of us being at risk borrowers.
COMPLAINT : EXPERIAN : XXXX : XXXX : VS XXXX 1. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND XXXX IN CAL XXXX IN XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE XXXX PEOPLE IN XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?
The backstory : In XX/XX/XXXX, my friend a realtor calls me to ask is everything okay with house. My response everything is great. He explains that the house was reported to the county for foreclosure. This was a shock to my wife and me. My wife calls the mortgage company Loan Care to find out the issue XX/XX/XXXX. Loan Care company said to contact the XXXX XXXX they will not talk to us. My wife contact the XXXX XXXX, the trustee states that we are behind in our mortgage payment of 6 months- {$14000.00}, my wife said how can this be we have proof of electronic payments to the Loan Care as well as the insurance being paid to XXXX out of the escrow company. The XXXX XXXX states we will not speak to you until payments are caught up, plus fines and legal fee ( {$24000.00} estimated ). My wife and me, tried to gather any money we could to pay this back by emptying are 401K ( {$20000.00} ), which we did not have enough. During this ordeal, we found out Loan Care in XXXX of XXXX to XXXX XXXX put the house in to foreclosure than removed without us every knowing, damage our credit even more. 

In XXXX, my wife and I contacted XXXX XXXX XXXX, with the understanding the law firm could stop the sale date, this did not happen. My wife and I were forced to sale the house XX/XX/XXXX the house for what was owned not what it was worth, to prevent foreclosure or bankruptcy. In XXXX, the law firm that was supposed to represent us, states that can not represent us, only after receiving payment of {$4000.00}. 

In the end, we lost our house, lost our mortgage payments, our credit-making it difficult to find a place to rent, lost our dignity, stressed out-family of 5 trying to hold it together. We did everything right, yet we are being punished with losing our home and our character.
Over the course of 7 months of negotiations and several foreclosure sale postponements. We accomplished raising money to Fully Payoff our XXXX Mortgage ( BB & T ) and Short Pay XXXX Lien Holder ( XXXX-HELOC ). Another Foreclosure date was set for XXXX XXXX, 2016, without my knowledge, no notice to XXXX Lien Holder, and No notice posted on XXXX XXXX XXXX, webiste ( Foreclosing Attorney ) We were in bi-weekly communication with XXXX XXXX XXXX to obtain a updated payoff and no one mentioned New Sale date. We would have put in a request for postponement as in previous occasions. Most assuredly with money coming from IRA account to pay it off. However, We closed on XXXX XXXX, 2016 using a copy of my husband Power of Attorney. He was out of state in XXXX XXXX XXXX XXXX and hard to reach. He gave me POA to sign closing docs for him. The Original POA was lost in the mail and another had to be sent. On the afternoon of XXXX XXXX, 2016, The Title Company received the Original POA and began to disburse funds. They hand delivered the check to Junior Lienholder on XXXX XXXX, 2016, and then called to get a daily per diem to payoff BB & T via XXXX XXXX XXXX. XXXX advised the Title co that the property had been sold that Morning XXXX XXXX, 2016 to a Third party ( local Investor-Non Owner Occupant ). We began to communicate directly with BB & T that Full Payoff was available if they accept the payoff. BB & T advised they could more than likely allow Us to redeem the property due to State of TN 730 day Redemption Period. Even IF we Knowing or Unknowingly waived our rights to redeem int he original Deed BB & T could work around this to accept Full Payoff regardless to Third party buyer. 
BB & T sent request to XXXX XXXX. XXXX XXXX advises me as of XXXX XXXX, 2016, that it is at the discretion of the Servicer and their attorney to allow borrower to redeem the property. 
XXXX XXXX XXXX do NOT want to approve XXXX XXXX for XXXX. I find it strange and unjust that XXXX should reject the actions taken by their client to work with Us. XXXX XXXX XXXX is not interested to accept Full Payoff. XXXX wants the foreclosure sale to stand in spite of my conversation with BB & T ( XXXX XXXX XXXX 's client is attempting to work with Us ) BUT XXXX XXXX XXXX do not want to work with Us.
This Company constantly is reporting a debt that I owe. I have never lived in the apartments and their stating I did by the point an apartment gave them inaccurate information. Its preventing me from getting an apartment. They ask me to fill out a form I am not comfortable with a debt collection agency reporting information about me. I understand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) .an original contract and how whatever was owed came about so forth. Now All XXXX credit bureaus have removed this off my file but National credit systems are reporting this to XXXX. I spoke with them and all they are saying is they ask this company questions and they kept it on there. I refuse to pay are submit information to a debt collection agency. I would like to have this resolved.
On or about XX/XX/XXXX, I applied for a mortgage with Cardinal Financial online. After qualifying for the mortgage online, I was instructed to order an appraisal in order to proceed with the application. When I inquired about the appraisal, Cardinal Financial stated that this was mandatory and assured me there will be no problem with the mortgage application. Relying on Cardinal Financials ' assurance, I paid {$660.00} to Cardinal Financial for the appraisal. Immediately upon payment, I was contacted to schedule an appraisal appointment and within few days was notified that the appraisal was completed. However, this was a total waste of time and money because Cardinal Financial had not received nor even requested a " Condo Questionnaire. '' After submitting the entire application, we informed that they were still waiting in the " Condo Questionnaire '' to schedule a closing. Finally on XX/XX/XXXX, I was informed the unit did not qualify for a mortgage based on the " Condo Questionnaire. '' When I inquired why they made me order an appraisal and complete the application before they even requested a " Condo Questionnaire, '' I was informed this was their policy. I would not have ordered an appraisal if not for Cardinal Financials ' specific instruction and assurance. 

Based on Cardinal Financials ' instruction and assurance I wasted time and money. Accordingly, I am demanding a full refund for the appraisal fee I paid. Going forward, they should also be precluded from forcing future clients to order appraisal s before the " Condo Questionnaire. ''
I applied to a debt consolidation company XXXX for XXXX my debtors springleaf financial services. I informed numerous callers not to call my job about this situation to get in touch with me. The company continued to call my job day and night with my coworkers calling my house telling me that this company keeps calling. I informed XXXX about this situation I filled out and signed a harassment complaint form and sent to XXXX the companies. XXXX also sent in another form and the company continued to call. So XXXX told me to call the ftc, and ftc informed me to called consumer finance. Now I 'm at this point.
I have tried unsuccessfully to submit my dispute of Identity Theft to the Credit Reporting Agencies. I have all of my supporting documents yet after two attempts at each I have not gotten the results the law according to the FCRA states.
In XX/XX/2016 I recieved an unlawful detainer it was for a no money judgement it was only for posession of the property. That being said the property was recieved on XX/XX/2016. This matter is still showing up on my credit report even though there is no debt amount i have exausted all measures to try and dispute it with the credit beauro and the credit reporting agency i have also reached out for legal help and no one is able to resolve this issue. The legal aid i did reach out to does not understand why it is showing up on my credit report at all seeing as there is no debt amount. This matter is preventing me from getting housing and i am currently homless
I went to a cash maching to use a card from One Main Financial to get {$500.00}. It was a XXXX XXXX machine, the machine said the cash transaction was declined or was unable to be processed. Though the cash was never dispensed - the charge went on my card anyway. 

I called XXXX, the ATM service provider, and One Main.  They all blamed each other and nobody would refund my money. I filed a dispute with One Main and they said it would take 10+ days. In the mean time I am out {$500.00}. One Main states they are acting on my behalf to resolve the situation but will not provide me with any documentation on what they are doing. I said if they are acting on my behalf they must provide me with the information on their efforts to resolve the situation - I was very clear with the representative and she refused and when asked several more times, I made clear what I was asking for - she continued to refuse. 

XXXX and One Main are both pointing the finger at each other and nobody cares that they took ( basically theft ) {$500.00} from me.
I use to live in XXXX, CA XXXX XXXX XXXX XXXX. I stayed there with a person who is now my ex. When we went our separate ways I asked the utility companies to disconnect/discontinue service at that location and establish service for a new location. 

The XXXX. XXXX. XXXX XXXX claimed that an adult over the age of XXXX requested to keep the service on in my name even after I had asked for the services to be discontinued there. They told me that it did n't have to be me, and that any adult could make the request without my knowledge and consent. 

The balance from that location as well as my new location was combined after the other party moved. My gas bill was {$330.00}. and I could n't pay the entire bill at the time because I was a XXXX. 

XXXX 2013 the account goes into collection and is given to Financial Credit Network on behalf of the XXXX XXXX to report to the XXXX major credit bureaus. Financial Credit Network does n't purchase debt. they just report for their clients. 

After many years of disputing the information, with no favorable results. I decided to pay the debt and so I sent a certified letter via The USPS ( That I 've Attached ) along with the full payment to settle the account. The letter basically said that upon cashing this check that you agree to the terms of this letter. The terms are : 1 ). Remove derogatory information from my credit reports. 2 ). Show in your system as paid in full. 

The XXXX XXXX along with Financial Credit Network did XXXX of the XXXX things they showed it as paid in full, but failed to remove the item from my credit reports. 

I have both the canceled check and copy of the letter sent. They agreed to the terms and now are back peddling and trying to avoid honoring the agreement in the letter.
I opened a Citi Gold Checking account, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX XXXX as a bonus after fulfilling stated requirements. 

I live in Texas where there are no physical Citi Bank Offices, so I had to apply by phone. The Citi agent assured me that I indeed qualified for this offer and that the offer code was attached to my new account. 

As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. 

To avoid any monthly checking account fees, I deposited {$51000.00} into the account by check via regular mail. This finally was accomplished after XXXX attempts and multiple phone calls with Citi and during each call I was assured that I qualified and that I would receive the XXXX. The first attempt to open the account took place the middle of XXXX 2016. Due to a fraud alert attached to my credit reports ( due to a previous identity theft ), Citi did not accept the check since they were unable to contact me ( I was out of town when they called to verify identity ). Subsequently they sent the check back to me. 

After contacting Citi again, I was told to resubmit everything including the offer code and the {$50000.00} to avoid monthly fees. So on XXXX XXXX, 2016 I attempted the account application for a second time, again on a recorded phone line. I finally succeeded in depositing this large amount of money into the account. During XXXX application attempts, which involved several phone calls, the Citi agents assured me during each and every communication that I indeed qualified for this offer. 

I did all the required steps ( spend {$1000.00} with debit card, perform XXXX bill pays within the first 2 months ), but now Citi is telling me, that I do not qualify for this offer. This after having been told during XXXX applications that I did in fact sign up the correct way, that I completed the required steps and that I would receive the XXXX within 90 days. 

I have talked to Citi about this several times and I am very frustrated. I have to conclude that this is either a scam or false advertisement on Citi 's part.
For the last couple years this company submitted claims to credit companies, and it has been removed because it doesn't not belong to me and i have no knowledge of this. My credit report has lost major points for something that doesn't belong to me.