WillisBack/dataset-financial-user-claim huggingface dataset:
Hello I just made a large payment of {$260.00} to my  XXXX  card  two  days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Navient sent a notice on XXXX XXXX that they would be willing to settle on the account. I called and and arranged to pay down {$3000.00}. I had 90 days to pay for it. We arranged {$1500.00} on the first payment which they received and the second payment a month later, and if I could n't do that call back in and we can change the payment date. They refused to do it. The baited and switched me. And said, " oh you have to pay it all now. These disgusting people that the federal government has hired are unethical, liars and I will not do this. I will stop any check payments on my bank, they have refused to honor what they told me. <P/>This can be recorded I hear all the time on the phone. Than let 's here it. IT will show a different picture.
An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Equifax. I disputed this account with Equifax , twice, but XXXX times they have refused to remove it. I have attached the dispute results information from Equifax as documentation.
AFNI FAILED TO VALIDATE A UNAUTHORIZED DEBT INQUIRY ON MY XXXX CREDIT REPORT DATED XXXX/XXXX/2016. 
SEE ATTACHED. 

IGNORED CEASE AND DESIST.
The doctor messed up when billing the insurance, so they never received payment. Once I was notified, I set up a payment schedule and made payments until the debt was fulfilled. Then years later I find out I have a collection our from them for payments that were already made! What worse is since this was so long ago, I do n't have any documentation and they never provided me with recipes to verify my payments. Also, I believe this was done because I had a terrible experience at the office and posted a bad review online, so they " lost '' my payment to file a collection.
I have never had a XXXX before, but for some reason there is XXXX showing on my credit report and it is past due. This is fraud and not mine. This has caused my score to go down a lot and has prevented me from getting a job. 
This needs to be removed ASAP and investigated. Thank You
Representative calls every other day and harasses me for payments. I graduated 3 months ago and am still looking for employment. I decided to pay a forbearance payment to stop the calls only to have them call me 3 days later with the same script. I tell them I paid a forbearance. The representative tells me I am wrong while I am looking at my confirmation of forbearance. I tell her that I have the proof and I am looking at it. She says I am wrong and continues with the script. I tell her I do n't wish to speak with her so she puts me on hold and calls for a manager who proceeds to tell me that she did not lie to me. He acknowledges that I made a forbearance, tells me the representative said nothing wrong, and continues to ask me for a payment. Complete harassment and incompetence at the highest level.
I have made two payments to my student loans and none of them have been posted on my account. One payment was made on XX/XX/2017 and the other one was made on XX/XX/2017. This is not the first time I have issues with the lender not posting accurate information on my account having to call them so that they give me a reasonable explanation and a promise that they would take care of the problem. They have excluded a payment from my account once and made me go to my bank to ask for a letter as a prove of the bank transaction with them because they could not track my payment in the system. Therefore, this seems to be an ongoing problem with them.
On XX/XX/XXXXI filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XX/XX/XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
I made them aware that a garnishment has already been made against my wages and they are still taking money out of my personal checking account they gave me a number to call their finance department who also told me that they can not do this but now the finance department wants me to send all sorts of paperwork to them. Inbox loans never sent me a notice of garnishment they sent it straight to my employer which I didnt know about until I received my paycheck and it was money missing so I called my payroll department and thats how I learned of this garnishment.
On XX/XX/XXXX, MrCooper received my qualified written statement ( written XX/XX/XXXX and acknowledged it on XX/XX/XXXX ) regarding Force Placed Flood insurance on my home. FEMA updated the maps in our area on XX/XX/XXXX but our portion of the zone was re-validated from prior XXXX submitted by the developers of our neighborhood in XXXX. All this information was sent to MrCooper, but MrCooper still paid the Force Placed Flood insurance on XX/XX/XXXX iao {$1900.00}.
on XXXX XXXX we had struggled to get a loan modification through XXXX mortgage after getting XXXX with a 3 % interest we signed on the dotted line. At the time we saw that they had installed a balloon payment of over {$28000.00} they said it was for the payments in arrears but we never missed more than 6 months of payments and this was only because XXXX mortgage said to stop paying thats the only way they would help us. Anyway back to the present ocwen our mortgage lender now added money to this bringing it to {$31000.00} that ocwen has added to our principle remaining balance. We our in the final stage of getting a va refi but again ocwen has tried to rip us off. after i had looked at our modification agreement i found that ocwen violated the contract by not changing our loan to principle and interest which they did not due .The mod agreement states that interest only period will end on XXXX XXXX XXXX which they did not due so now its going on 2 years later and only because i caught them violating the agreement on XXXX XXXX XXXX i had called them and are payment was at {$1700.00} and when i called on XXXX XXXX XXXX the payment doubled over night they took our 3 % interest and raised it to 7.25 % over night iam not a lawyer but this is against the law. So what we wanted them to do is remove the {$31000.00} from our principle loan balance because XXXX out of paying 2 years of principle on our house. they then said they would look into this matter and when i called back they told me that the amount of {$37000.00} would be removed from the pay off amount after the letter was approved .Ihave called almost everyday to find out when this would be removed so we can then payoff the remaining principle balance and get away from this completely crooked company .We were told that it would only take 10-15 days it has gone past that now they tell us to give them 24-48hrs they have said this 3 times .You can now see what we have been dealing with for years now please help us make them remove that fraudulant {$31000.00} deffered payment from our payoff amount so we get finally get a real XXXX fixed mortgage using my va refi. So were asking for any help that you can give us .Me and my family would like to thankyou in advance for any help you can give us to get them to remove that {$31000.00} from are payoff so we can proceed with our va refi thankyou.
XXXX, XXXX, and XXXX have already recognized 'Ideal collections ' as a fraudulent account on my credit report. In fact, those agencies have sent certified mail to XXXX  showing the outcome of their investigations. Still to this day, XXXX refuses to remove this from my credit report. I still have no paperwork, records, etc ( only documents from XXXX, XXXX, and XXXX confirming this fraud ). So far, Ideal collections has only posted a fraudulent document that clearly shows forged signatures. My attorney has proof of signature authentication. I would like XXXX to follow suit with the other agencies and remove this fraudulent account. They claim that we owe {$6400.00}, for what I still don't know. A quick search online and you will find that these scammers are using the same amount with hundreds of other individuals. According to the CFPB they currently have 1,137 complaints against 'Ideal collections. ' All of the evidence is there proving obvious fraud. Again, all of the other credit agencies have recognized this as fraud, except for XXXX. I've had a clean credit report for over 2 decades, my FICO is currently XXXX.
Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to XXXX XXXX XXXX, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of XXXX XXXX XXXX is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional and continuously documents for the modification to be approved and they always said that it is still in the underwriter for review but it is already eight ( 8 ) months until to this date, I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Ocwen regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available at law by recouping and their mortgage servicing doesnt want to accept my request for Loan Modification. I had complied with Ocwen requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Ocwen have not dealt to me in good faith until this moment.
Over the past few months I have been requesting validation on multiple occasions for a debt that is listed on my credit report. I have bee requesting evidence that bears my signature that shows that I have a contractual obligation to pay Military Star. I have not received anything that I requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.
AR RESOURCES INC Account number XXXX Recent balance {$5500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$5500.00} past due as of XXXX XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... AR RECOURCES NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...
On   XXXX   XXXX   XXXX     2015 Barclays Ba nk Delaware placed a hard Inquiry on my   XXXX    Credit Report. The report is  two yea rs old and needs to be removed and furthermore I never provided authorization for the inquiry. I do not have any open accounts with this company so this inquiry needs to be removed.
I 've received several collection phone calls from Shellpoint. When I initially spoke with a representative from Shellpoint, I asked that they not contact me at my work number nor my cell phone number and I provided all of the contact numbers I had for my ex-husband. I explained ( to both XXXX and Shellpoint ) that this property was awarded to my ex-husband in divorce and I did everything in my power, including obtaining an order to force him to sell or refinance the house. He fought the order all the way to the state supreme court and lost the case, this XX/XX/2016 I left XXXX marriage, purchased a small house and did absolutely EVERYTHING that the law would allow to force my ex-husband to be responsible for the XXXX XXXX residence. I provided all of this documentation to XXXX XXXX XXXX with the understanding that although this was adjudicated through the divorce court, there would be no acknowledgement of such by the Bank. I asked to not be contacted via my cell phone nor my work phone with both XXXX XXXX XXXX ( who stopped contact ) and with Shellpoint ( who continues to contact me ). Upon my first contact from Shellpoint, ( XXXX XXXX at XXXX ) I explained the entire situation once again and stated that I provided XXXX both a verbal and written request to not contact me at work or cell phone number. I was told by the customer service representative that the request made with XXXX did n't matter and I would have to go through a similar process with Shellpoint. I stated then to consider this call as my request to cease contact and hung up. The Shellpoint representative subsequently called my work phone number back again ( XXXX XXXX at XXXX ). I did not pick up the call. I just received another call today, XXXX XXXX, 2016. 

When the loan was with XXXX, I said that I would sign and execute any documentation needed by XXXX XXXX XXXX to facilitate the foreclosure. XXXX XXXX XXXX then sold this loan to Shellpoint, in the midst of the foreclosure process, and now Shellpoint is calling me. This foreclosure process has lasted almost 3 years with no end in sight. I 've taken a huge hit to my credit, since this and the second mortgage is being completely ignored by my ex-husband and have provided XXXX XXXX XXXX and Shellpoint with all of this contact numbers and information I have. I 'd like for this to end.
I did a kitchen install with Lowes in XXXX XXXX NJ, it was a very frustrating experience and after not getting resolution from the store I put in a revoked charge and reached out to the CEO in North Carolina. The store reached out to me and requested a meeting where they asked me to email them releasing the funds revoked. They spoke of compensation however did not mention an amount. I was uncomfortable releasing the full amount not knowing what the compensation would be. I expressed this to the store manager XXXX at the time. After a few days I received a letter from the bank letting me know the store had reached out to me and that I would be responsible for the full amount. I called the bank to let them know Loews and I did not come to an agreement and re issued the revoked charge. Now Lowes is letting me know they will not talk about compensation until I release the full amount. I have been working with XXXX in the Lowes corporate office to try and get this resolved. She has confirmed Loews wanting the money released before talking compensation. I feel releasing the money will compromise my negotiating power and would leave me in a vulnerable position.
On XX/XX/2018 this letter was sent to Transunion and received via certified mail on XX/XX/2018. The first sentence on the attached document stated THIS IS NOT A DISPUTE however Transunion used this document for a unrequested dispute that Transunion verified as accurate information instead of a request for Method of verification. As of this day XX/XX/2018. I have NOT received the requested information and Transunion continues to verify the XXXX account # XXXX as accurate without providing copies of contracts bearing my signature or the information of the contacts they spoke to that continue verifying this inaccurate information. This is evidence that Transunion is violating guidelines of the FCRA in fair reporting. Please consider all the complaints about Transunions unfair reporting and consider class action legal action on consumers behalf.
Capital Management Services contacted my sister about me and she has no knowledge of my finances. She is not listed on any current outstanding credit I have. She should not have been contacted.
Navient has put my loan in forbearance multiple times while knowing I could not make payments without an income at certain times and Navient did not notify me of the other options like income based driven repayment which in turn has accrued late fees on my account. I do n't agree with fee charged to my account when their customer service was well aware of my other options but withheld that information to help me.
XXXX XXXX XXXX, has placed XXXX different collections on all my credit reporting bureaus. There are XXXX different amounts, XXXX for {$290.00} and XXXX for {$170.00}. I have called XXXX XXXX XXXX several times to find out what the bill is for, no one can provide me any information on why this is happening. This has been going on for over two years now. They place it with a collection company, I ask for validation, its removed, then then two months later, its with a new collection company with new dates.
This complaint is against the company XXXX. 

On XX/XX/XXXX I noticed that my account was hacked. Three payments were sent without my knowledge or consent, they were sent to someone whom I don't know and have never met. The payments were as follows : 1st payment : {$1500.00} 2nd payment : {$1000.00} 3rd payment : {$480.00} After seeing these payments I looked further at the app and noticed that someone had registered another person 's personal checking account and had used that account to make the payments. ( The payments were never taken from my account ) I immediately reported to XXXX   that my account had been hacked. On XX/XX/XXXX I received an e-mail from the account specialist department at XXXX. In summary they said that there is no evidence my account had been breached, that my activity was deemed highly risky, and that my account has been permanently suspended and frozen. 

At this point I attempted to transfer the {$230.00} of my personal money that I had stored in the XXXX account to my personal checking account that is linked to XXXX. I was not able to do this because my account was frozen. 

I sent another email to XXXX  insisting that my account had been breached and that I want my {$230.00} transferred to my bank immediately. They sent me a final response via email on XX/XX/XXXX again insisting that there is no evidence of my account being breached. 

On XX/XX/XXXX I called XXXX  customer service in attempts to get my money back. They concluded by saying my account has not been breached, they received a loss for the three payments that were sent to this unknown person, and as a result my {$230.00} is no longer available. They suggested I file a police report to get my money back from XXXX.
Law firm, Sprechman and XXXX, P/A. did cause to be delivered to complainant without explanation or cover letter, a Waiver of Claim of Exemption form, in an attempt to deceive complainant into waiving a right to claim exemption and request a hearing. Complainant answered with a Claim of Exemption Form. Law firm then filed a motion under oath, denying complainant 's claim of exemption. Complainant then provided law firm with Federal Tax Return, pay stuff, Social Security Benefits letter. 

Law firm continued to move forward and filed a claim with the XXXX XXXX XXXX XXXX, and complainant 's employer, XXXX XXXX XXXX XXXX XXXX. 

Consumer alleges Law Firm has flagrantly violated Fair Debt Collection Practices Act, 15, U.S.C., 1692 ( e ), A debt collector may not use " any false representations or deceptive means to collect or attempt to collect a debt. ''
Honor Finance is reporting a balance of {$730.00}.

On XX/XX/2017, I spoke to XXXX who advised that the account was Paid in Full and that no balance was owed.

However, the report doesn't reflect that. After several disputes, the XXXX account updated to {$0.00} Paid after Charge-off, and then was later deleted all together, but on XXXX Only
Transunion refused to show me how they verified the collection account XXXX. When I can not get a response from them.
Since the beginning of XX/XX/XXXX I have been trying to close my XXXX account. First I called for my balance and immediately deposited a check for that exact amount in my checking account. Little did I know a charge of {$2.00} for maintenance was pending. That caused the check to bounce despite them saying they would reverse the fee and it would n't happen. I also got a bounced check fee of {$12.00} from my bank ) as well as a {$30.00} fee from the XXXX account. Then they said to do it electronically but the amount in the account was over the threshold. I had to write a letter but it kept adding to the time it was and is still has n't closed. Finally after complaining, they called me and said they would wire the funds. They called two hours later saying it was too late in the day to do it. As both my bank and theirs was still open, this is further example of them jerking me around. No one should have to go through this hassle to close an account. The bank is XXXX XXXX in XXXX, WI
I was approved for a modification through Vanderbilt mortgage and financial, inc. XX/XX/2016. My probationary period was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made XXXX payments without any problems. Then at the end of XX/XX/XXXX I was wrongfully terminated from my job leaving me with no income. I was able to borrow the money and called to make the payment on XX/XX/XXXX, I was informed that they would n't accept the payment and that my house would be auctioned off on XX/XX/2016 no exceptions. I received a letter dated XX/XX/XXXX which I did n't receive until the XXXX, stating I did not accept the trial payment plan and that there was no other relief they could offer me. I called on XX/XX/XXXX to inform them again that I was unemployed and that I was lead to believe that the forbearance could be extended because of this. They informed me that nothing could be done and that my home would be auctioned off on XXXX I have not been served or mailed any documentation stating that date. I have only been told XXXX different dates verbally over the phone. I am a single mother of XXXX children and I live in a very rural area that currently has a housing crisis and many people are homeless. If my home is sold I will be homeless as I am unemployed and suffering from anxiety and XXXX from the stress of loosing my job and my house back to back. I answered yes to the question below regarding did they help prevent foreclosure because they did when I was approved for a modification.
I have attempted to dispute inaccurate information on my Experian credit report. Experian refuses to investigate as per my right under the FCRA. The accounts I am requesting investigation on are no longer valid or have not been updated for over two years. Additionally, XXXX of the accounts I attempted to have investigated does not belong to me and belongs to a person I was married to. That account has also been litigated and the person I was married to has a judgment placed against them for that account. Experian states that they are not responsible to investigate these accounts because they were investigated in the past. These same accounts were investigated by XXXX XXXX and Equifax and were all removed from my credit file. Experian is refusing to do its job and that is a violation of the FCRA.