WillisBack/dataset-financial-user-claim huggingface dataset:
Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.
I was offered a Care Credit card while trying to pay for my dog 's emergency XXXX XXXX on XX/XX/XXXX. The total amount was {$6900.00}. I was told by the vet that the card would have 0 % interest for the first year, then interest kicking in after that. I was not informed that once the promotion ended ( ending XX/XX/XXXX ), I would retroactively be charged the the full amount of interest on the principle at a ludicrous rate of 26.99 %. Because I am eco conscious, I signed up for e-billing. I never once received an email from them regarding my promo period ending and what would actually happen. Additionally, they claim that every time I visited the site, I would be informed that my promo period would be coming to an end soon. This is incorrect. 

When I attempted to resolve this ( XXXX/XXXX/XXXX ) I was rebuffed and told that there was nothing they could do to reduce the payment. After paying {$220.00} a month for the last year ( total of {$2600.00} ), my current bill is {$6500.00}, which means that I have in essence paid off {$400.00} of my bill at the cost of {$2600.00}. This would seemly qualify as usury - this company preys on people who are trying to save their pets lives, and the vets issuing these cards do not explain what actually happens when the promotional period ends, they just ask you to sign the contract immediately, while your animal 's life hangs in the balance. I even offered to pay off the entire principle today with a reduced interest rate and they claimed that they could not help me. These are predatory loans, offered to people under emotional duress, without full disclosure.
I sent a written request to remove the fraudulent account from XXXX XXXX and XXXX XXXX from my credit report as well as an unauthorized inquiry from XXXX XXXX XXXX XXXX I was told that the results would arrive to my house, however its been months and nothing has arrived. Equifax and XXXX are not removing the items and this is causing me worry because someone has used my personal information for their own benefit. 

Equifax XXXX XXXX XXXX / XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX placed on ( XX/XX/XXXX ) XXXX XXXX XXXX / Acc NumberXXXX
multiple issues- cant close, company forced close w XXXX funds coming in, refuses to purge system, refused to update drivers licences correctly, refused me a credit line, etc. 

This compnay is nothing but a con artist and I dont want thier business. I ve told them 4x now to stop sending me XXXX. They dont care. I have asked for policy termination. Didnt happen. I asked for over 1200 be sent to me repeatedly via wire. Didnt happen. I am not and nevermore will be a customer. I reccommend no veteran do business with them. choose XXXX XXXX or XXXX XXXX etc. I was just sent an atm card. AS IF.
I owed XXXX XXXX Cellphones since 2003. I loss XXXX of the phones and went to an XXXX store to get a replacement. They took the phone and immediately deactivated it. I asked them to reactivate my phone and they refused. 
I was forced to buy another phone, as I now had NO cellular phone for use. XXXX represented that a smart phone would do the job and would cost the same as my older reactivated phone.. 
My normal bill for the use of the " older phone '' was {$20.00} per month per phone. 
A XXXX later, I got a XXXX bill for over {$300.00}. 
I immediately took the smart phone back to the XXXX XXXX told them about the bill I had received, and I could never afford that bill monthly. 
They would not take the phone back, but did deactivate it. 
Thereafter they claimed that I had attempted to revoke their contact with them and that I owed the $ XXXX judged that I had no enforceable contract with XXXX, based upon their misrepresentation of the cost of the Smartphone. Therefore, I have refused to pay their allegation of a " Contract ''. where none existed.
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/17- XX/XX/17 and I have NEVER been late. XXXX XXXX made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.
On XX/XX/XXXX, while I was in a natural disaster forbearance period with US Bank Mortgage, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called US Bank once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. US Bank finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but XXXX refused based upon the existing letter. I spoke to several representatives from both XXXX and US Bank to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.
I have tried multiple times to get an answer from Receivable Performance Management ( RPM ) in which I believe this debt is not owed as I have never applied for a Card Credit credit card. I 've repeatedly asked for verifiable proof of debt obligation by them providing me the original signed instrument of indebtedness. They have not provided anything to me to verify this debt as of  XXXX .   XXXX  It has damaged my credit report and decreased my chances of obtaining a favorable mortgage rate.
We filed bankruptcy and it was discharged in 2014, our mortgage company forgave the debt on our second mortgage but did not remove the lien and then it seems like they sold our debt to a collection agency. We can not refinance our XXXX mortgage because there is an additional lien on our house. When we contact the people who now own our lien they insist that we go into a repayment program for 5 years. We feel if they forgive the debt they should remove the lien! We did n't receive any documentation and did n't even know that they were forgiving the debt. We are grateful that they did but, if they do n't remove the lien then they really did n't do anything, we still have a XXXX and XXXX lien and ca n't refinance anything!
I received a letter in the mail from Hunter Warfield threatening to sue me for a past due amount resulting from eviction. I was in a bad car accident that left me hospitalized for three weeks and in recovery for ten months, resulting in losing my employment. Eventually, I was evicted because I couldnt pay my rent. I reached out to the XXXX at XXXX and explained my situation. They informed me that because I had a unique case, they would not sell my account to collections and would allow me the opportunity to pay {$1300.00} to settle the account as agreed. However, I never received any confirmation of the settlement offered in writing. Because I lost contact with the management company, I assumed the account was taken care of. So, when I received the letter in the mail from Hunter Warfield asking for {$1800.00}, I was very upset.
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE FULFILLED ALL MY OBLIGATIONS IN ORDER TO ACCOMPLISH THIS. CITI MORTGAGE HAS CREATED UNNECESSARY OBSTACLES IN ORDER TO ACCOMPLISH FAILURE. A COMPLETED SHORT SALE PACKAGE WITH A QUALIFIED BUYER WAS SUBMITTED TO CITI MORTGAGE ON XXXX XXXX OF THIS YEAR. CITI DELAYED REVIEW OF THIS PACKAGE FOR A COUPLE OF WEEKS. AFTER THE INITIAL REVIEW, CITI DELAYED PLACING THE FILE IN THE UNDERWRITING DEPARTMENT FOR ANOTHER COUPLE OF WEEKS. THE FILE HAS BEEN WAITING ON UNDERWRITING APPROVAL SINCE XXXX 2015. CITI CLAIMED THAT THE TRANSACTION WAS TAKING TOO LONG - AND IT WAS, BUT CITI CAUSED ALL THE DELAYS - AND SET A SALE DATE FOR XXXX XXXX, 2015. WE HAVE A SALE DATE BECAUSE WE STILL DO NOT HAVE AN UNDERWRITING DECISION, WHICH WAS DELAYED BY CITI MORTGAGE. CITI MORTGAGE ACTION IS CLEARLY UNETHICAL IF NOT UNLAWFUL. MY HOPE IS THAT CFPB WILL ASSIST IN DEMANDING REASONABLE BEHAVIOR AND FINE CITI FOR THEIR INCOMPETENCE.
I been working on a short sale with Ocwen since XX/XX/2016 with the same buyer with no closing date in sight. I was hoping this process would be wrapped up in 2-3 months but they have consistently been giving me the run around. Now they want me to give up my HAFA relocation assistance of {$10000.00} which was promised to me and my family. They sent over a fax yesterday to my realtor asking us to remove it off the settlement statement but my family desperately need that money to move. When I ask my realtor to get an explantation yesterday from the bank 's negotiator on why I no longer qualified for the {$10000.00} they said they would find out what happened and this morning but I guess I offended them and they decided to get another attorney who emailed my attorney saying they are denying my short sale all together today. All because I wanted what was promised to me the {$10000.00} relocation assistance. Yesterday my short sale was good to move forward but when I ask why they ask to remove the moving assistance they come back with a denial after 6 months of wasting my time and serving me foreclosure papers in the mean time, this is not a game this is my life. Why does it take Ocwen 6 months to do a short sale with the same buyer and then go back on promises. They have dragged out the short sale since XX/XX/2016 and intentionally made documents expire in order to take my property from what I can see. We been going back in forth every month since XX/XX/2016 trying to get this short sale done for my family and I feel like they are acting as if they can do whatever they want.
Cavlary posted a collection account on XX/XX/XXXX but I never received any notification of this debt prior to them placing it on my account. In XX/XX/XXXX I discovered it on my report and I have made numerous requests for this to be removed from my credit reports. I received no debt validation, and they refuse to contact me. Their contact information is incorrect on my credit reports, and they have completely failed to validate my debt, despite numerous requests.
On XXXX XXXX, 2015, an attempt was made over the phone to enter into a 15 month interest rate reduction for XXXX private student loans provided by Navient. The lender agreed to process the application for the reduction with the condition that a payment be made in the immediate to bring the account current. The borrower ( currently in financial hardship ) advised that a payment would /could be me made upon acceptance into the program, due to limited fund availability. The lender refused to process the application for the program until a payment was made. Borrower is left without any alternatives and lender is unwilling to provide assistance.
I receiived a letter from Ditech Mortgage regarding refinancing of my home loan in late XX/XX/XXXX. I had about four years to pay off my loan, and inquired about the HARP loan. I was assured by everyone I spoke to that if I refinance it would be under the HARP loan and that within a year I could refinance at a guaranteed reduce loan rate. So, I decided to do the refinance in XX/XX/XXXX. I extended it for an extended time, because I wanted to give myself a year to catch up on other bills, and I knew when the year was up my rate would at least be a point or two lower, and I would go back to my original payment. 
XX/XX/XXXX I called just to ensure when I could begin that refinancing process. I was assured in XX/XX/XXXX I could do my refinance with the HARP loan. So, I call again closer to the date in XX/XX/XXXX and I was told I did not have a HARP loan. I was upset and they transferred to a number where no one picked up the telephone. I called back on XX/XX/XXXX to once again to ask about my HARP loan. I spoke to a young man named XXXX on XX/XX/XXXX around XXXX XXXX I asked him to confirm that I did have a HARP loan. He said yes you do and I am eligible for a refinance. Then I said, could you send me proof of my loan being a HARP loan. He puts me on hold and comes back and says sorry you loan is not a HARP loan. I told him you just told me it was. I said I wanted to speak to a supervisor. She came on line and told me I never had a HARP loan. I told her that is not true. I was told by every single person I spoke to up to the signing of the loan I had a HARP loan. This young man just confirmed I had a HARP loan. Now you tell me I do not. She then begins to tell me they have not done HARP loan in years, which is a lie. 
The mortgage document I signed does not show HARP loan on it. I was not aware that it had to be stated, because I was assured by every single person I spoke to that it was a HARP loan. I was not asking for a hand out nor any special services. I was misinformed and blatantly LIED to about my loan from every Ditech employee I came in contact with. I want the loan I was promised a HARP. I am an American citizen, a veteran and a mother and grandmother. It is disgraceful how Ditech employees blatantly and continuously LIED to me. It made absolutely no sense for me to refinance with four years to pay off my mortgage in full, without a promise of a get. That get being a HARP loan with a promise of points taken off ( lower interest rate ) after a year. 
Please help me resolve this issue. I have never been in such a position before in my life. I was a paying customer of theirs for quite sometime and for such blatant lies is making me so sick. How they sleep at night is a mystery to me, because I am sure I am not the only person they have done this to. 

Thank you and I just want what I was promised. My lower rate after one year which was XX/XX/XXXX. Please let me know the next steps.
I am the XXXX ( XXXX ), a homeowner 's association with approximately XXXX homes in the XXXX, Texas area. The average price of our homes is generally between $ XXXX to $ XXXX. A property located within our subdivision is XXXX XXXX, XXXX, TX XXXX. This property was abandoned by its owners, who went through a divorce, in about XXXX. Of course the HOA fees are past due but that this is not the basis for this complaint. The property at one time was in great shape but no longer. The brick mail box has fallen down, portions of the siding have rotted away which appears now to allow access to rodents coming into the attic, the grounds are minimally maintained by a management company, the backyard does have a pool which is secured but the fence is falling down and the backyard is a health hazard as it is overgrown with vegetation. XXXX, XXXX, Oh XXXX is a property management company that works for Nationwide Mortgage ( the mortgage holder ) in managing this property. However they do it only when we call them and it takes months to get things done. XXXX XXXX is the contact at XXXX ( XXXX ). I have tried to contact Nationwide Mortgage to find out why this home has not been foreclosed upon in eight years but of course they will not speak to me as I am not the owner and for privacy reasons. We continue to have complaints from neighbors about this subject home because it is an eyesore to the area and homes near by are difficult to sell because of this property. We request that you do whatever can be done to get Nationwide Mortgage to move forward with the foreclosure. They have already lost so much money in just letting this home sit and decline for the past eight years.
Told Associate that my employer does not allow collection calls on my business phone. They said they would note that in my record and then proceed to continue with the call as if I said nothing. I hung up.
According to Equifax critical personal information pertaining to my credit report have been compromised in the hack of their servers.
A collection company by the name of Ability Recovery Services , LLC continues to contact me to collect a collection from   XXXX   XXXX    (  the original creditor ). The balance of this acct is {$2500.00} as listed on all   XXXX   of my credit reports. I have never attended   XXXX   XXXX  , nor have I ever agreed to paying the amount they 're harassing me for. I have sent multiple letters directly to  Ability Recovery,  and also submitted multiple disputes with the credit bureaus, and have yet to get verification that is debt is mine.
filed a dispute on XX/XX/18 about a charge I was declining because the service was not done. I informed Wells Fargo I did not want to pay the vendor but they will not refund my money. XXXX corporate sent me to another dealership since XXXX would no longer service my vehicle. The 2nd dealership found the problem and repaired it at no cost since the car is under warranty.
Last year our family needed assistance with our mortgage and taxes, so we sought a HAMP modification. It has/was approved, however there were 4 late payments reported on my credit report. However these were not late, they were paid at the reduced agreed upon payment. I would like these late payments removed from my credit as they were not late.. Thank you
EXPERIAN website or customer service will not allow me to dispute a XXXX   medical bill. 

As of XX/XX/2017, theres a 180-day waiting period  before unpaid medical debts I cant even post comments to explain my situation
XXXX  XXXX is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and  XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed
Please delete the accounts, I am not the owner of the accounts. I asked the credit bureaus to provide evidence, but couldn't supply it. CFPB remove the accounts and tell these companies to be more careful on how they handle their reporting..TXXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX
I am aware that in recent years XXXX, XXXX and TransUnion announced the National Consumer Assistance Plan to enhance their ability to collect complete and accurate consumer information and provide consumers more transparency when interacting with consumer reporting agencies about their credit reports. The plan was announced after cooperative discussions and an agreement with the Attorneys General of multiple states. 

The agreement provides for updates to mandatory data reporting requirements and data collection procedures. The resulting initiatives will impact Data Furnisher reporting. 
The agreement prohibits : Collection Agencies and Debt Buyers must report the Original Creditor Name and the valid Creditor Classification Code according to the Metro 2 format. These fields are required for each account or item reported. 

Collection Agencies and Debt Buyers will not report debt that did not arise from a contract or agreement to pay All Data Furnishers A new minimum standard has been established to expand the CRAs capabilities to match credit data to the file of the appropriate consumer. Furnishers of newly opened trade and collection data must report the full name ( First, Middle, Last Name and Generation Code/Suffix ), address, full Social Security Number and Date of Birth ( mmddyyyy ). If full Social Security Number is not available, full Date of Birth ( mmddyyyy ) will be required.
I received a credit report from Equifax which states I have a level of delinquency on accounts! To my knowledge i have not had any delinquencies!!! I would like this corrected. I am planning on buying a house pretty soon! 

Thank you, XXXX XXXX XXXX
A person representing XXXX XXXX XXXX, inbound call received from XXXX XXXX XXXX XXXX contacted relatives indicating they are a collection agency and have not been able to locate or contact me regarding an unpaid debt. Additionally, said correspondent indicated numerous messages had been left and I have failed to return the calls. Truth is, the countless call and messages were apparently left on my mother 's personal cell phone and home phone, not mine and may very well have exceeded the maximum number of attempts that can be made in a given day. Furthermore, while trying to intimidate an elderly woman into disclosing additional information without success, instructed my mother to contact me and the representative of XXXX XXXX XXXX would be in touch with her again later in the afternoon to confirm the message had been relayed. Besides the ethic standards by which this company operates, XXXX XXXX XXXX through it 's employees have violated my privacy and at least XXXX sections within federal Fair Debit Collection laws, including section 804 ( acquisition of location information ) & 805 ( b ) Communication with Third Parties. Furthermore, XXXX XXXX XXXX is representing itself as an agent on behalf of American Express.
I was contacted by a collector about a debit for a apartment whom I was not informed about after moving with my 60 day notice
I called and reordered a lost prepaid date on XX/XX/2017 in which I was told there was no option for expedited delivery and the card would be here in 7-10 business days. I called to make sure the card was ordered as promised. <P/>On several occasions, I called and kept getting the run-a-round and was denied a supervisor every single time. My girlfriend tried to ask on behalf as well.. Everytime we were put on hold for a couple minutes and were always told a supervisor was not available and we could n't hold for one. We were told we would have to wait for a call back, which we are still waiting for to this day. Today is the 10th business day and the card is STILL NOT HERE!!!!! <P/>There was misinformation on when the card was ordered, if it could be expedited and what was actually considered a business day. When the representatives were unable to answer the questions or provide someone of authority, they would say they had to disconnect the call leaving us helpless with nothing else to do. <P/>They do not listen to the customers and most concerned with taking the next call rather than helping the customer who they have on the phone at that current moment. <P/>WE need a call back from someone as they are basically stealing his money at this point and we ca n't get anyone on the phone to get his money back if they are n't going to send the card. He has not been able to work due to this and they are costing him money.