WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I had a past credit card with XXXX XXXX that was opened on XX/XX/XXXX. The account was settled for {$270.00} and closed on XX/XX/XXXX. 

Since then XXXX XXXX still has the account on my Credit Report with Negative marks each month for non-payment and showing a balance of {$370.00}. This has had a negative impact on my credit score for years. 

It has made my rates on car purchases, and even my mortgage be higher than it should be. 

I have disputed this account with the different credit report companies such as XXXX ( still open dispute since XX/XX/XXXX ), and with Equifax. They have been unable, or unwilling to remove this false information. It looks like MANY unpaid payments, late payments, high balance, etc when in fact the account was settled to {$0.00}. 

I also have contacted XXXX XXXX multiple times. They show I made the settlement payment on XX/XX/XXXX and they still have not fixed this issue on my credit report. 

At this point who knows the damage this long standing error is causing. I have contacted XXXX XXXX again today and was told the same information. They refused to send me a copy of the payment receipt and said they could not until after they do another dispute review, I will contact my bank to get a copy.
Portfolio Recovery Services continues to call me despite a written request mailed to them to cease telephone communications. They called my elderly mother in Florida and contacted her repeatedly despite being told they have the wrong number. They continue to call repeatedly very early in the morning. Although the calls are not prior to XXXX EST they are as early as XXXX on a Saturday morning. When I advise the caller that I have submitted a letter requesting communications cease, they state that they are going to continue to call me, that they have received no request. I 'm frustrated with their repeated violations of the Fair Credit Reporting Act. Portfolio XXXX XXXX min XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supervisor Explained that I would like documentation that portfolio owns the debt or purchased from XXXX XXXX. Kept stating we sent two letter. They were initiation letters. Explained repeatedly that anyone can send a letter and requested verification that they own the debt. Stated the letters are system generated and will resend if possible. Threatened to continue collections. XXXX/XXXX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Advised them that I am considering bankruptcy. They asked me for attys name and I informed them I have not retained one. They told me they could not stop calling when I requested them to stop. XXXX/XXXX/XXXX XXXX XXXX Hung up when I answered XXXX/XXXX/XXXX received a letter XXXX/XXXX/XXXX. XXXX. XXXX ( XXXX XXXX XXXX Spoke with XXXX. Tried to get me to make a payment. Explained considering bankruptcy ask for time to consider options. Said ca n't stop calling and acct will remain in collections. Must send request in writing to stop calling. XXXX ( XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Asked for call back because I was driving. Tried to keep me on the phone. Advised that I could not talk and requested a call back in 10 minutes once I arrive at my destination. They told me that they could not call back at the time requested and would continue to call me XXXX ( XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX hung up XXXX XXXX/XXXX/XXXX XXXX No msg left. I did not answer XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Friday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Saturday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX No msg left XXXX/XXXX/XXXX Called my elderly mother sometime today. She was confused about why they were calling and told them I did n't live there. XXXX/XXXX/XXXX Called my elderly mother in the morning today. Exact time is unknown She told them they had the wrong number. XXXX/XXXX/XXXX Mailed letter to Portfolio requesting that they cease making contact via phone. Requested mail contact and provided my address. XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Called my mother in Florida. Again Portfolio was advised that they had the wrong number. XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Saturday Morning!!! XXXX/XXXX/XXXX XXXX No msg left XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX/XXXX/XXXX XXXX XXXX When I answered there was no one there and no response to my repeated hello 's.
Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Back in XXXX of this year, my husband and I met with XXXX XXXX to discuss a home loan. We were very clear at the time that we did not want to do escrow. XXXX assured us that this would n't be an issue due to down payment were putting down. We advised him that we anticipated closing to be XX/XX/XXXX. We were told that we would get weekly calls updating us on the status of our loan. This never happened. The only contact we had once the initial documents were requested was initiated by us. We received notice from our realtor that we were to close on the house we were selling on XX/XX/XXXX. My husband contact XXXX and he advised that we were on track to close on the home we were purchasing that day also.He made the same statement to our realtor. However, on XX/XX/XXXX we still had n't been given a closing time for the home we were purchasing. Our realtor advised us there was an issue with the lender. Again, we had not been contacted. We contacted XXXX and he stated that his processor had failed to complete some needed documents and that we were n't going to be able to close until XX/XX/XXXX. On XX/XX/XXXX, we were sent over a closing statement showing escrow. We contacted XXXX and he stated that this " had to be listed '' but that we were not set up to do escrow. When we got to closing on XX/XX/XXXX, the attorney for the closing ( XXXX did not come ) had paperwork stating we were doing escrow. At this point, we had already paid for our house insurance in full. He stated that we could be reimbursed for this. In regards to the escrow, he stated that we would need to speak with XXXX. Since we had spoken with him two days prior we went through with the closing, we were homeless by this point, we were under the impression this was simply a paperwork error that could be fixed. Now we are being told that he is n't sure he can fix it. He admitted that it was a mistake on his part but is n't sure it an be fixed. I have made three attempts to contact his supervisor and have n't received a response and we have n't heard anything back from him.
I was shocked when I reviewed my credit report and found late payment on the dates below : Even there is difference reporting status among all the 3 credit bureaus - XX/XX/XXXX & XX/XX/2017 - 30 days late ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
In XXXX, I made the required number of payments to rehabilitate my defaulted student loans. I was told by a representative at the time, who was from either Pioneer Recovery , Inc., or XXXX XXXX XXXX, that XXXX XXXX XXXX ) consecutive payments would have to be made to a company called XXXX. After which, my loans would be in good standing ; the collection fees would go away and I could defer the loan if need be. Pursuant to what I was told, I set up the payments for automatic debit from the checking account. After the payments were made, I received a letter from XXXX XXXX XXXX XXXX, saying congratulations on the rehabilitation. I was then told by one of the servicers that I would have to immediately start making {$400.00} payment per mo. At the time, I could not afford to make {$400.00} payments and I therefore requested a deferment and was told that I could not defer the loans. The loans were never placed in good standing, the collection fees did not go away, and a deferment was not available. 
In late XXXX, to resolve my student loan dilemma, I requested detailed accounting from Pioneer Credit Recovery on how my payments had been applied and other information. They supplied very little information. Through all of this, I was receiving correspondence, simultaneously and sometimes conflicting from XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, c/o Navient, XXXX, Pioneer Credit Recovery , Inc., XXXX, XXXX, and Navient. Dealing with these various companies has been confusing, frustrating, inaccurate, inconsistent and most of all deceptive. I would like a clear explanation of how my original student loans totaling {$55000.00} are now $ XXXX. In closing, these companies have reported inconsistent and inaccurate information to the credit bureaus adding to my frustration.
In XX/XX/XXXX I had submitted paperwork to update my public service loan forgiveness. The documents were approved but I was only awarded 2 credits rather than 9 credits. This was even though my paperwork showed I had been working for 9 months at an approved job based on the public service loan forgiveness guidelines. I contacted the people at myfedloan servicing. They said they would have to review each payment to confirm if a mistake was made. They said it 'd take 90 days. After 90 days I contacted them again and they said it could take longer but the would expedite the process. That was 3 weeks ago at the beginning of XX/XX/XXXX. They still have not credited my account for work done or even contacted me regarding the issue.
To Whom it May Concern : I paid The Offices of XXXX XXXX XXXX   {$1100.00} on XX/XX/XXXX, for my US Bank account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to US Bank that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed US Bank about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by The Offices of XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help!

~XXXX XXXX XXXX   XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <c.XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me.

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with U.S. Bank today and this is a federal offense. The money I gave to your company on XX/XX/XXXX, was not paid to U.S. Bank and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document onXX/XX/XXXX, my debt was paid to U.S. Bank by your company, and this is false information.

I need the owner or supervisor to contact me immediately.

- XXXX XXXX XXXX
Select Portfolio Servicing Inc. is my servicer. XXXX XXXX is the note holder. In XX/XX/XXXX we applied and submitted for a Loan Modification on our XXXX, Owner Occupied Home. We were granted a modification in XX/XX/XXXX. We signed and returned the modification agreement, as did our servicer. In XXXX, the servicer unilaterally attempted to change the terms of the modification. Our payment would rise and our Balloon Payment was going to rise from {$200000.00} to over {$800000.00}. We have refused to accept the change as it is NOT beneficial. Recently, Select Portfolio Servicing refused to take our payments and attempted to foreclose on the property. We have reached out to them on a constant and consistent basis. We requested a review on XX/XX/XXXX and were given a 45 day window for a resolution. It has been over 50 days and they have NOT responded in any way. They continue to add late fees even though we have been current since the modification. 
The Servicer has verbally responded that they will NOT honor the signed modification from XX/XX/XXXX, given that we did NOT accept their revised modification offer. They have NOT furnished their response in writing nor in a timely manner. We informed them that we will be filing a complaint against them.
my name is XXXX XXXX. We have been fighting forecloser for almost a year. we thought were making some progress. We found out on fri. XX/XX/XXXXthat our hpme was sold by the mortgage co. there name is ocwen finance. we were not notified in anyway. I've called them, but could not get an answer. I don't know what to do. my wife and I are on social security, so we don't have a lot of money to hire a lawyer. Please help us, if you can. thank you.
I am requesting that PRA show the date of last activity. I have requested the last date of activity. PRA have omitted my request The last payment made to the original creditor ( OR ). PRA can only report this debt seven years from the OR date. P

RA can not re-age the 7 year report time.

PRA must show the date of last payment. PRA.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX XXXX XXXX Trensunion : XXXX XXXX XXXX XXXX XXXX   Trensunion : XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX XXXX  : XXXX   XXXX  : XXXX Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX Trensunion : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX XXXX.
I do n't owe focus financial anything they are trying to collect on a debt that was paid by an isc. company they are breach of XXXX and the fact that they provided me with information from my doc office proves that the doc and themselves are in breach if they do n't remove the accounts from my credit I will take this to the XXXX XXXX about the hospital and all doctors involved and I will win an court you can not give out my medical history DOCTORS TO WHOM EVER YOU WANT AND MY BILLING HISTOURY IS A PART OF THAT remove this or find your company in court.
I work as a XXXX XXXX and my contracts face sudden ends due to layoffs. Twice - between XX/XX/XXXX and XX/XX/XXXX - I was unemployed and called Navient regarding the law that the government had passed in XX/XX/XXXXregarding student loan repayments available based on income. This was important to me because, in the past, forbearance or deferment had always been my only option.

When I called in XX/XX/XXXX, the customer service rep in the XXXX said that repayment option was " not allowed '', despite the fact that I was not in default or any other situation that would have warranted that rule. He said Navient " does n't have that option available. '' He said my only options were forbearance or deferment and I ultimately had to choose deferment, because he said it was " cheaper. '' This is despite the fact that Navient had sent me generic " do not reply '' automated e-mails listing the other repayment options available, as mandated by the new law.

The customer service rep also did not send me the promised deferment documentation to my e-mail address so I could fill them out, although he said that he did. I have all the e-mails from them, dating back to XX/XX/XXXX in my XXXX XXXX account. By the time I got back in touch with them asking where the promised forms were, they had charged late fees on the account and additional interest accrued. They would not reverse the late fees but said I was supposed to go online to fill out the forms.

I felt they were very deceptive. I had a shouting match with them because I have come to find they are always deceptive. Navient has basically kept me in a loop on the repayment of this loan with continual forbearance and deferment for years. When people ask me why I still have a student loan, I tell them its because a ) I have no option but deferment or forbearance because Navient says I have no other options. b ) I have no options to refinance the loan with any other company because our government does not allow that. c ) The interest keeps accruing due to my work as an on and off XXXX XXXX and the loan continues to accrue interest.

I am a loop in XXXX with this loan that, considering my age and my mistake of returning back to school at a later age, will never be paid off until I am XXXX. To Navient, I am probably considered a good cash cow since my employment situation as a XXXX is on/off employment. For me, I can never make a dent in the balance because the payments are too high when I am unemployed and I have to defer, then I go back to work and the payments are higher, and it happens over and over again.

Over the years, XXXX XXXX and then Navient has never given me any other option except deferment or forbearance.
In XX/XX/XXXX my mortgage co-OCWEN LOAN SERVICING did an escrow analysis of my mortgage then sent me a check for {$700.00} saying we had too much in escrow-Then in XXXX they paid my town taxes which put me in a negative escrow. Every month since then I have been and still am in a negative escrow balance. Numerous phone calls to them have not fixed the problem it has just gotten worse. Every time I call they tell me my mortgage payment will be a different amount The XXXX time they told me the problem would be fixed if I sent them a check for {$700.00} which I did on XX/XX/XXXX. Then they called and told me my mortgage payment would be raised from {$840.00} to {$920.00}. in XXXX. Then they called me again and said mortgage payment would drop to {$830.00} with {$190.00} of that going to escrow. I called them and said that was way wrong and was told they would do another analysis but am still waiting to hear back. ALL these people need to do is simple math -- -My town taxes are {$850.00} XXXX times a year which equals {$3400.00} so they need to escrow {$280.00} a month so that times XXXX equals {$850.00}. {$850.00} to pay the town taxes XXXX times a year will equal $ XXXX.I ca n't make then understand this. I need help getting them to fix this problem before it gets any worse. I think they are doing it on purpose to try and take my house away from me.
I do not believe my monthly payments are applied correctly, it seems very inconsistent. Here 's a snap shot of what I mean : Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$4.00} - {$190.00} - {$2.00} - {$200.00} XXXX/XXXX/XXXX Payment {$0.00} - {$200.00} {$0.00} - {$200.00} XXXX/XXXX/XXXX Payment - {$36.00} - {$130.00} - {$19.00} - {$190.00} XXXX/XXXX/XXXX Payment {$0.00} - {$200.00} {$0.00} - {$200.00} XXXX/XXXX/XXXX Payment - {$1.00} - {$200.00} - {$3.00} - {$210.00} XXXX/XXXX/XXXX Payment - {$6.00} - {$190.00} - {$23.00} - {$220.00} Very little or none of my monthly payment is being applied to the principal.
To Whom It May Concern Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by XXXX. I have received a response that clearly violates my rights according to HIPAA. 

XXXX, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
I have been having several issues with Equifax. I was recently doing some business with my bank when they told me they were unable to access my credit information because of a security alert that was placed on my account. I was aware of the alert because I placed it owing to the incident where customers information was compromised from the database of XXXX XXXX XXXX XXXX. I placed the alert in XXXX of this year and know that it should automatically be lifted in XXXX. However, I was not sure of the date that it would be lifted. I called Equifax and asked them to remove the alert from my account. The representative said she did n't see one and would speak with her superior. I waited to have this person come to say that she would be able to issue a credit report and resolve the issue ONLY if I sent in my driver 's license and social security card. I told them by doing so, my right to privacy would be violated and I will not send to them such personal information. She said she would not be able to speak with me further. After getting off the phone with Equifax , I decided to call XXXX, the representative there said they would only ask a few questions from my history to confirm my identity then they would remove the alert on my behalf. They did. On XXXX XXXX, I decided to compare my XXXX credit reports on XXXX XXXX. I saw that Equifax has given me a a lower score as compared to the other XXXX Bureaus. On the report, it showed that I have had only XXXX credit inquiry for this year. Equifax listed that I had XXXX. When I checked the details of that, it showed an Inquiry from " XXXX XXXX XXXX '' on XXXX XXXX, XXXX and XXXX ... XXXX hard inquiries from XXXX institution, XXXX days in a row. I called Equifax to resolve the issue, again they said they will not speak to me until I send my Driver 's License and Social Security card to them. I do not plan to send any type of personal and sensitive information to them. I consider such request to be a violation of my rights and privacy and I do not wish to comply to those terms. Furthermore, that information is not required from others living here in the United States and I can not see why I am being singled out. This is my XXXX year living in the United States, I had been granted citizenship in XXXX of this year, I have worked very hard to build my reputation and my credit for the few years that I have lived here. I do not purchase the things that I can not afford and I remain satisfied with what I have worked for but I believe that Equifax is trying very hard to sabotage me and many other persons here in the U.S. because of their careless and nonchalant tactics in credit reporting. I must also add that Equifax has refused to give me my free credit report for this year. Any assistance from your entity to resolve my issue with Equifax would be greatly appreciated.