WillisBack/dataset-financial-user-claim huggingface dataset:
Thou reporting only allows 1 item, processing payment problems, the bigger LT/ $ AMT issue is that my wife and I have taken a ~300 point FICO decrease hit and foreclosure action on our credit reports which effects job opportunities, any refi/cash out ability/cost for house improvement and other areas of life financially for many/possibly hundreds of thousands of dollars in additional costs, and attempt to push us further into poverty for years to come ; all because of vindictive & poor paperwork/processing by Freedom Mortgage and its employees to anyone questioning their service problems. 

Loan servicer FREEDOM MORTGAGE took over our Refinanced 15 YR LOAN ( AND outsourced to LOANCARE for part of that duration ). Whenever they changed the payment location, especially to NE ( Bad winter areas ) we seemed to have more problems with them processing payments promptly. So, a few years ago after I had been paying their Loancare-L # we had payment changed to CA address first ~upto 12yrs, then they transferred back to FREEDOM-L # ~ last 2 yrs in XXXX OH. 

( The company seems to have a different location for all the variables and computer systems that don't talk between these different employee groups, hence many paper/processing errors, delays, and invalid fee 's to customers ). Over 6 months before the last payment I regularly looked on web portal ( problematic ), contacted Customer Service by phone 800 #, and Emailed a VP for that division asking for a removal of the bogus/improper fee 's. I'd asked monthly to be removed to be fixed ASAP and clearly layout if anything different had to happen for last payments. I also asked for them to prove/audit how mail from CA to OH was processed and proof of postmarked ( late payments ) the charge vs. as thou the mail was taking 10+ days to go across country?! They said no way to track..no proof? Instead of fixing things they appear to Retaliate and create more late/extra fee 's. Then last several months the physical statement $ AMTS didn't match last stmts, the online balance, or what the 800 # CustSvrRep read me over the phone. Then what should have been my last payment in XX/XX/XXXX, they cashed but did not apply to the loan, and then filed the foreclosure action against me/us to extort the add'l ~ {$1000.00} in fee 's ( special bank draft to another location ). After cashing that they still didn't acknowledge and reported foreclosure action to all the credit agency 's and in XX/XX/XXXX ' I finally received Deed information from county ( which was filed w/wifes name, should have only been under my name since I paid all loan, Ins, and taxes starting months prior to marriage ). Also, several times during the 15 years they lost our payments and required us to write a second check, they'd cash, only later to have original one cashed. As well they didn't have a free way to electronically pay locally or online, nor would they provide coupons ahead of times, so sometimes I had to copy prior bill-address to mail check by the beginning of month since statements hadn't arrived early enough. When I was unemployed they wouldn't qualify us for CA Hamp/Hemp-UI help advertised all over US.
Healthcare Collections-I , LLC is currently reporting on my XXXX credit report an account that is not valid. Attempts to dispute the count with XXXX and directly with the company have resulted in negative results and the account remaining on my credit report.
Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts.
My name is  XXXX   XXXX . DOB  XXXX  ;  SSN   XXXX . I 've been diagnosed with   XXXX    XXXX  on  XXXX   XXXX ,  XXXX , and have been an SSI recipient all my adult life.     My mother,  XXXX   XXXX   XXXX , DOB  XXXX  ; SSN  XXXX , has been my rep-payee until I got married to  XXXX  on  XXXX / XXXX / XXXX , and she used to own accounts under my name, in effect stealing my SSI funds.  XXXX  got me a TRO against her, which later got dismissed.     I went to SSA on  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX , and  XXXX   XXXX  got me a   XXXX   XXXX    XXXX , #  XXXX   XXXX   XXXX   XXXX , expiry date  XXXX .  XXXX  got ahold of it and stole my SSI deposit on  XXXX / XXXX / XXXX . I had to call for a replacement card.     When I called Direct Express to change my address to my current one in  XXXX , WA, I was told to fax  XXXX  pieces of ID to  XXXX   XXXX . Then I was told that they could n't read it at all. All of the sudden they cleared the account but did NOT update my address.     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  stole {$620.00} out of my {$660.00} SSI direct deposit, again. When I called DE they were rude to me, especially a customer service rep named  XXXX , and hung up the phone on me when I requested to update my phone number and mailing address.
I own a small business : In XXXX my friend and I purchased a commercial 4 bay garage. I needed this space to store inventory for my business. My friend wanted space to store a classic car. We had problems finding insurance for this property because it was listed as commercial but we did not have business hours at this location. I reached an agreement with my business insurance agent to insure this property as part of my business policy. 

In XX/XX/XXXX my wife and I signed a purchase agreement for a house in Florida. I applied for a mortgage from Citizens bank. My wife banks at a credit union and I have my personal and business checking accounts at Citizens. My wife and I also have our 401K accounts at Citizens. 

I wanted to close my 401K account and use this money for a down payment on the Florida house. Citizens could not transfer this money between my 401K and my checking account so I was issued a check that I deposited into my checking account. 

Citizens would not approve my mortgage request based on the following : I could not prove the large deposit in my checking account. I deposited a Citizens check into a Citizens checking account. 
The underwriter was using my garage against me. I was sent a document that had the following questions. 
Did I own this property free and clear? Answer : I own the building with XXXX XXXX. 
How was this building insured? The Loan officer was calling my insurance agent. My agent refused to talk to the loan officer. 
Are the condo fees paid for on this building? Answer : There is not a condo association for this garage. 

This underwriting department is fixating on a garage that is being used as a storage locker and is paid for. The taxes are current and the property is insured. 

The underwriter also wants evidence that I lived at an address on XXXX XXXX in XXXX, PA. Answer : I have never lived in XXXX . XXXX XXXX lives on XXXX XXXX. 

Underwriter is looking into a credit inquire from XXXX. Underwriter needs a billing statement from XXXX. Answer : I changed cell phone companies in XX/XX/XXXX. XXXX has me enrolled in auto pay. My bill is automatically charged to my credit card each month and I do not receive a bill from XXXX. 

The underwriter wants a signed lease for the Florida property between me and the tenant. WHAT LEASE? WHAT TENANT? 

These four issues are keeping me from getting a mortgage that I have a 40 % down payment for. This bank has me backed into a corner. I am going to lose my {$5000.00} down payment. I have a $ XXXX annuity that I purchased through Citizens Bank. My wife has $ XXXX in her Citizens 401K and we have over 100K in cash to use for the down payment for a {$230000.00} purchase. 

I thought I was a great risk for the bank. The bank was a risk for me.
Chapter XXXX bankruptcy filed XX/XX/XXXX. Kohls/capital one has inaccurately reported this account to XXXX on multiple occasions, initially not reflecting the Chapter XXXX at all. Most recently, it reflected the Chapter XXXX filed in XX/XX/XXXX, instead if XX/XX/XXXX and reported a failure to pay in XX/XX/XXXX which caused my missed payment to be reflected inaccurately. I opened a dispute with XXXX XX/XX/XXXX stating the chapter XXXX date should be updated to reflect correctly of XXXX and that the missed payment from XX/XX/XXXX should also be removed. I received the dispute was completed XX/XX/XXXX and that it was updated. Yet this creditor reported ANOTHER missed payment in XX/XX/XXXX causing my FICO score with XXXX to drop 20+ points as this is the only event that has happened which would negatively impact my score. 

I have attempted to contact this creditor MULTIPLE times to just report the information accurately, I get mocked each time i call, and unable to speak to their 'bankruptcy department '. 

I have attempted to explain this information to XXXX   reflecting the facts andvtheyvjust kick it to the creditor to update who keeps inaccurately and falsely reporting missed payments which are negateively impacting my FICO scores that I sn trying to rebuild from after facing an unfortunate situation. My XXXX FICO score is approximately 45 points lower than my XXXX and XXXX scores and solely based on the way Kohls/capital one is reporting my closed account.
im am writing in regards to equifax reporting inaccurate information on my credit report. i have no acknowledge of the chase account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA
Keep calling to take me to court without telling me the name of theircompany.After i repeatedly request for their information and they hang up on me
Ally Financial is claiming my mother and I owe a debt with their company but I have requested in writing and verbally to them to send a debt validation, to be able to validate the debt.According to the Fair Debt Collection Practices Act, I am allowed as the consumer to ask for a audit certification of debt entry which they already have refused me. I have spoken to a lot of people in their company, and now they are giving me the run around and when I requested this information they illegally put the car into repossession. The car has not been repossessed at this time, but they are threaten to take the car without following the laws. I did do some research and saw that Ally did get in trouble before for violating the laws, they seem to not know the laws when I quote them. I also did record some of the workers letting them know I recorded and I also have the letter that I mailed to them almost a month ago. I called and tried to reason with them but they just gave me the round around so I need the federal government to step in again and enforce the Fair Debt Collection Practices Act, as well as IFRS and GAAP. I also requested to see their tax registration certificate, because I am now questioning the validity of the company. Attached on is the letter I sent to Ally, as well as the last letter they sent me. I also photographed the back of the sheet Ally sent me because a collections worker for Ally by the name of XXXX with employee ID number XXXX told me that there is back of the sheet that had a different address to send letters to. I checked and there was no back of the sheet which I photographed. The only address on the sheet is XXXX, MN XXXX. Please do not hesitate to contact me for further information, because they are trying to repossess our car and the other account holder is XXXX and I really need the car to take her to appointments.
In XXXX 2017, I mailed XXXX XXXX in XXXX FL for debt validation, but instead company never sent information regarding debt that was requested in validation letter but I get a notification from XXXX that they refreshed debt saying the debt was opened in XXXX 2017 which is false.I disputed this collection all of 2017 but no response from the company.It was deleted by the major credit bureaus before but company re added debt but changed the opened date on the account to reage debt which is illegal
Receive daily calls from Gila LLC XXXX calls daily attempting to collect a debit from State of Utah for an assault court charge.from 1991. Never had an committed an assault crime in UT or anywhere.
My card was used unauthorized in total of XXXX. Its been two weeks now and i have gotten no where with this company. Customer service hangs up on me. I am told nothing of when I will receive my money. There is no way to escalate the matter. I am from XXXX my card was used in XXXX. No help has given to me in the matter at all. I have children and bills. This company is rude and i believe they are trying to keep my money.
I am a XXXX Veteran and applied for a VA Home purchase loan. I have been trying to purchase this home for two years and have had problems with the seller. My son used to live at the property but I wanted to buy it as my primary residence. With help from the courts we were able to get a court action stating that I could purchase the property. I submitted all the required paperwork to Home Point Financial Corp and was approved for the VA loan. I completed the VA appraisal, the Termite Inspection and the Survey. I was suppose to close on XX/XX/2019 but was informed by my loan officer on XX/XX/2019 that Home Point Financial had denied the loan stating that they did not feel I was going to occupy the home as my primary residence and that I would not be able to maintain the up keep on the property. They came to this conclusion due to a letter that was sent to them from the seller of the property containing inaccurate information. At no time did they contact me to discuss this situation. The requested more documents from my loan officer, which were provided immediately. I do not feel that a lender should be allowed to deny a loan due to speculation and that they feel a XXXX veteran can not maintain the property. I have attached the letter from the Underwriter.
Mountainland Collections is reporting an attempting to collect a debt for which I do not know of or owe. The original creditor is some law firm and they do not answer the phone ever. They have horrible reviews online and this debt is old.
I have a vehicle through Exeter finance and I have had bad experiences with the company. The company is very poor at customer service. I had an issue with my car it got reprocessed. They sent the car to XXXX Georgia for auction not even a day after reprocessing it. I called and I paid up to {$3000.00} to get my car back and still had to travel 4 hours to get my vehicle. I called today about my payment for Friday, the first thing the rep brings up is the broken promises on my account. It has just been a negative experience dealing with their customer service and their company.
I applied for a card with American Express. Because I have had cards with them before. However when I applied for a card today XX/XX/2018 with American Express that had NO annual fee, they Declined me. So I applied right after and I got APPROVED for an American Express Card with an  annual fee of {$550.00}. And when I tried again even after I got approved, to apply for a different card with NO annual fee, they declined me. The point I am trying to make here is that American Express is only approving me for cards with {$550.00} annual fees so they can gouge me. That is completely unfair to consumers like me. I don't mind the card with the annual fee & I plan to keep it open. American Express ran my same credit for 3 different cards : The American Express Cash Magnet card w/NO annual fee. The American Express Blue Cash w/NO annual fee, And the American Express Platinum w/ {$550.00} annual fee. And they only APPROVED me for the card with the annual fee of {$550.00} which is American Express 's best card. This does not make any sense. Please look into this.
I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
In XXXX of XXXX, I willingly surrendered my vehicle to XXXX. As I was unable to maintain the payments due to financial hardships. At the time of surrendering I only owed a balance of {$6000.00}, the initial loan was around {$19000.00}. After surrendering my vehicle I was never notified of an auction/sale, provided any documentation or additional information pertaining to my vehicle. The balance was reported to the credit bureaus at {$6000.00}, several months later the balance doubled to {$12000.00}. Again without any sort of documentation or explanation provided. I have disputed this loan to the credit bureaus on multiple occasions, without any success. To date, I have no information as to what happened to the vehicle after I surrendered.
BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND TRANSUNION AND XXXX AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
There is a collection company called Enhanced Recovery that put me in collections for a debt that i have already paid. Enhanced Recovery is committing fraud against me by trying to collect this debt. The collection i paid and this wrong collection is the same account but a different amount to try and scam me. My lawyer and I are proceeding with a law suit due to the harm this has caused me. It has prevented me from purchasing a home and has been ruining my credit score for months.
I have submitted numerous letters to XXXX XXXX, Experian and XXXX  over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX  which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.
I have called in a few times about the correct, true, and compliant reporting according to FCRA by way of credit bureaus receiving data by XXXX through XXXX XXXX compliance. Every company sending data by XXXX must be compliant by XXXX XXXX standards. I spoke with a few foreign reps for Transunion, who had no clue of what this was, then asked to be transferred to a representative in the XXXX. I get a smug guy. He admits he knows what this means but has no clue how any of the " so-called '' creditors or collection agencies actually do their verification to solidify that any account is the consumer 's account. Being that he admitted this, I asked him to please send our conversation transcript to a supervisor. He asked me to hold on and I did. About 5 minutes later, the phone hangs up. This was my second time calling in the past week. I 've been actually sending them letters because I have a few accounts that I " challenge '' the validity of by way of XXXX XXXX compliance. These " so-called '' companies are NOT at all true and correct in reporting by simply sending the words " Unspecific dispute but verified ''. My challenge letters were very SPECIFIC and are attached. Trans Union and these companies keep playing volleyball with my credit as the ball, making me the net, and and have no clue as to how these companies have verified anything which is against FCRA. Under FCRA XXXX XXXX XXXX, every single one even each and any and all of the unproven not compliant, untrue, incomplete, incorrect, and/or unverified aspects of any alleged derogatory accounts must be promptly annulled in its entirety or even the whole of the claimed accounts are to be deleted. I have been dealing with this since XXXX with Transunion and these non-compliant companies. I am very disappointed because I am in the process of using my XXXX home loan benefit to acquire a home for my family. I ca n't do so with such non-compliance. Every American should be appalled, upset, and angry at such non-compliance and abuse of power.
There is a debt collection account that was opened under me by the company name of " CBE. '' I have experienced identity theft for a few years now. This company I have never heard of. It states I owe {$320.00}! I need help disputing this.
On XX/XX/XXXX, I attempted to purchase a tribe membership with XXXX ( {$190.00} ) using my Chase Visa card. Payment was declined. I thought I might have mistyped my account information, so I reentered my information and tried to make the payment a second time. Payment was also declined for a second time. I eventually gave up and used my XXXX card to make the payment. I received an email receipt from XXXX that same day which clearly states that the payment was made using the XXXX card. 

When I got my XXXX statement in early XXXX, I saw that Chase billed me for the two unsuccessful payment attempts to XXXX. XXXX confirmed via email ( dated XX/XX/XXXX ) that they only received one payment for this transaction, the one on my XXXX for which they previously sent me a receipt as stated above. I immediately submitted a dispute for the two transactions ( attachments were not allowed ). Soon after ( date unknown ), I received a phone call from Chase and was verbally told that they would issue a credit for one of the transactions because it was clearly a duplicate charge. That credit appeared on my XX/XX/XXXXstatement issued in early XXXX and is the only credit of any sort that has been issued to date. I was also told that I would need to provide a copy of my XXXX bill via their online email interface to validate the payment via XXXX before the second XXXX charge could be credited to my account. I provided a copy of my XXXX bill ( Email dated XX/XX/XXXX ). Chase contacted me again by phone in XX/XX/XXXX ( exact date unknown ) and claimed they never received the copy of my XXXX bill, so I resubmitted it ( Email dated XX/XX/XXXX ). Both emails are still available in my Chase mailbox for them to review and Chase has sent confirmation of the receipt of both emails. 

As stated above, Chase has only refunded one of the two erroneous charges. They have refused to refund the second charge ( letter dated XX/XX/XXXX ), claiming that they talked to XXXX and XXXX confirmed that they were paid for the XXXX membership. This is true ; however they were paid by XXXX, not Chase. Furthermore, their rejection letter indicates that they intend to reverse the credit they previously issued so that I will still be charged for BOTH erroneous items even though XXXX never received either payment. 

This is all deliberate theft by Chase.