WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working on a short sale with my lender since XX/XX/2017, and I have had an offer since XX/XX/2017. My lender has been stalling, on my paper work, and I am about to lose my buyer due to the length of time it is taking my mortgage to work the file. The assigned negotiator has had me do 4 or 5 extensions, and he even admitted that he had to many files to work at one time. This is ridiculous, what am I supposed to do if I lose my buyer over their inept ability to work my file? Please help me.
Commonwealth financial is not at all professional and are harassing in violation. 

This debt was discharged as being invalid on at least one bureau and is under investigation as well. I am being harassed when I have requested not to be contacted. Additionally the number they are calling is not my own and the owner has requested no further communication yet the representatives antagonize her, make odd statements in singsong voices and continue to call and harass, even outside of allowed hours. This number should be removed.
Experian has this listed as a Chapter XXXX bankruptcy- IT WAS NOT. Prior complaints stated that Experian verified this with the court system. I want to see this verification or I will pursue legal action. I am attaching a case summary FROM the COURTS system that proves this is NOT a chapter XXXX bankruptcy as you are reporting this. 

This is my final attempt before I pursue further lawsuit action.
On XXXX XXXX 2018, I received a debt collection notice from a XXXX XXXX XXXX, phone number XXXX ext. XXXX, fax # XXXX, on behalf of XXXX to collect a balance of {$110.00}. I have called XXXX numerous times and tried to settle this matter. I even have evidence stating that I never had any service from XXXX and that everything was taken care of and I should receive a final bill showing {$0.00} owed. I also received a confirmation number also. I have evidence that XXXX should n't be charging me for anything because I never had their service turned on because for three days someone was supposed to come turn on my phone service so that I could have internet also and XXXX never showed up and it seems they are trying to charge me from the time that I ordered internet and phone services from them over my cell phone. I will attempt to send all of my evidence on Friday the XXXX if I can make it to the post office because I live in Virginia and we just got hit with a major blizzard on Wednesday evening, over a foot of snow. I will try to send certified letters stating that I do n't owe this balance to the North Shore Agency and XXXX and you, the CFPB will receive one also along with my documentation showing my proof that i should n't owe XXXX anything.
As of XX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXX regarding the issue but the item is still showing on my credit report.
First of all, thank you for handling my Complaint. 
After reading the Consumer Financial Protection Bureau Rules to protect homeowners,I can briefly write my Complaint by saying that:"Rushmore Loan Management Services has violated each and every one of the Rules"
I am trusting that you will base your final conclusions on facts and evidence and not words written in a piece of paper, that is why I am presenting each of my TRUE statements with documents attached.
Please, know that the least I expect is the same from Rushmore.
On XX/XX/XXXX 2014, Instead of Rushmore informing me that they were the NEW Servicer, I found out because I received an e-mail XXXX, saying that Rushmore was going to continue processing my Loan Modification request and Rushmore HAS NOT UNDERWRITTEN MY FILE! (Exhibit G).
For fifteen months I have been calling and sending e-mails and ALL Rushmore's employee refused to talk to me. All of them refer me to Rushmore Attorney, XXXX who does not answer either!
My Complaint has more characters that the ones remainning therefore I will be attaching my three pages Complaint for your review and consideration.
It is with gratitude in my heart for the existence of Consumer Financial Protection Bureau that I place this complaint against Rushmore.
Sincerely,
XXXX
The debt is not mine I never had a contract service with XXXX, I had a prepaid service with them that is all.
I opened a non-reporting installment agreement with XXXX XX/XX/XXXX. Our agreement specifically stated that no reporting to credit bureaus would be used, and no reporting of payments or status of the account to any of the major reporting agencies. The company changed its receiving company XX/XX/XXXX, and there was an error in my payment history and amounts due. After I paid what was my correct balance, XXXX decided to break our agreement and place an erroneous balance on the Equifax report. I filed a dispute with Equifax XX/XX/XXXX, and this information was removed. Now I find out recently, that XXXX has placed this information back on Equifax as a revolving credit card. I never had a credit nor a revolving line of credit with this organization. All information about this account is erroneous and should not be reported per our original agreement.
Credit reporting error. I had a balance in XXXX XXXX and paid what I was told the payoff amount was. Then Santandar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERPAYMENT! I disputed the XXXX late this past summer, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.
I have contacted equifax on several occasions through mail, online disputes and through telephone. I have sent in documents numerous times stating that my balance was paid in full for several of my accounts and also stated that several of the information they had on file was inaccurate. The phone  call I last  had took place on Friday  XXXX . The operator stated that they received my information but they still could n't remove my delinquent account even though I sent them proof and it was right in front of them. I have already maile d in 3 letters and 3 online di sputes within the last couple months for them to keep listing it on my credit report and allowing my credit to drop drastically.
They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the W.George Bush law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.
This Taurus Law Group calls several times daily, not only me, but also family members of mine. The messages they leave say that there is an important message from Taurus Law Group and to contact XXXX XXXX ( not sure of name spelling ) at XXXX. The message sounds recorded and is exactly the same every time. They do not say who they are attempting to contact, but do say that they are a debt collector and that any information obtained will be used for that purpose. They have been asked to stop calling. I feel that they are implying legal action and by not identifying who they are attempting to contact, scare people into calling them back. This leads me to believe that if a family member does return the call that they would discuss any alleged debt with a third party in order to obtain information illegally.
Please remove this account from my credit report XXXX XXXX XXXX, here is a copy from XXXX XXXX XXXX asking you guys to remove it from my credit report.
I, XXXX contact Conn 's XXXX account. Conn 's charge off two accounts {$40000.00} # XXXX & # XXXX XXXX charged off XX/XX/2015. They contact me to pay off a balance that I did n't owe the amount there requesting to pay. I read the law if a company charge off a debt they ca n't come back and collection a full balance. We need help knowing what we can do.
I was fully insured with XXXX XXXX XXXX when I received a bill from XXXX XXXX for lab work that was covered under my insurance. I have proof that I was under insurance at the time. I did not receive any mail about delinquency from this creditor, Advantage Group, who appears to have bought the debt. Now it is showing up on my credit report as unpaid and I want it removed. I did not owe this debt in the first place and I was not notified that it was in collection.
We could not maintain employment in XXXX ( now in XXXX ) and could not make the payments on our house. We sought help from every resource available, HARP, HUD, PFS and relators among others. We attempted to execute a short sale on 3 different occasions and Chase bank deferred in each instance until the buyer could wait no longer. We contacted Chase several times regarding each of these contracts of sale but they would not respond. We also contacted Chase and asked them to supply the original documents to illustrate their proof of ownership and again they did not respond ; as we thought that perhaps that might be the reason they did n't process or acknowledge the contracts of sale. We completed the required change of address with the U. S. Postal Service and all mail was forwarded to our XXXX address. We also provided the same information directly to Chase. The contracts of sale were also constructed to cover our delinquency of community association dues. 

The short story is that Chase foreclosed on the property via a third party and subsequently purchased the property themselves via the same. Although the transaction history they supplied in the foreclosure documents indicated documents were mailed informing us of the auction and foreclosure, they were never received. The only document we received was the final foreclosure document, followed by a subpoena to address the delinquent community association dues ; as these were not addressed by Chase. Also, Chase 's final purchase price was well below any of the contracts of sale provided to Chase. 

We can not afford to pay the almost {$3000.00} of delinquent community association dues. We feel this was a deliberate action by Chase to ignore the contracts of sale and then purchase the property leaving us with the fallout. Our opinion is that this does not even pass the smell test. As our court date is about a month away, we would very much appreciate your immediate assistance so as to not incur additional cost. Thank you so very much for your assistance in this matter.
I have retained new copies of my credit reports, and noticed that Portfolio Recovery did not furnish the credit bureaus with the required disclosure, within the period required by law. 
The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. 
I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. 
Thank You
On XX/XX/XXXX I send a letter requesting verification of a collection account. I have sent this letter before and have received no information whatsoever validating the debt.
The Home Depot offers consumer credit cards which are serviced through Citibank ( citiretailservices ). They periodically offer extended terms offers of no interest for six, twelve, eighteen, or twenty-four months on purchases of various amounts. I find that the deferred interest charges are being accumulated in an amount that exceeds the rate that is in the account agreement and that appears on the monthly statement. 
On my XXXX/XXXX/2016 statement, the deferred interest charges increased by {$23.00} on the {$1100.00} promotional balance and by {$61.00} on the {$2400.00} promotional balance. When I calculate the 30 days interest at the published 25.99 % rate, I get {$22.00} and {$52.00}, respectively. 
I am attaching copies of the XXXX/XXXX/2016 and XXXX/XXXX/2016 statements.
XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX Product. 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from Equifax CREDIT REPORTING BUREAU Remove XXXX from my credit report permanently Correct COMMENT by XXXX exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX : XXXX Account was settled and paid as agreed. Remove negative comment " Paid for less than full balance. '' XXXX : XXXX-Same Account as XXXX Both Exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
Dept. Of ED/XXXX : Consumer does not dispute that I was never late-ACN : XXXX ... And XXXX
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX. Never received the cash bonus. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. Also charged XXXX for 7 months just for having an account with them, that I was unable to withdrawal from.
Continuosly/Repeatedly calling my cell phone at work about a debt I have been paying on. I have asked several times to stop.
The American Express Serve and Bluebird services have been down almost 24hrs crippling thousands of people 's access to their funds. This is happening frequently now. The company refuses to provide any updates other than " we're working to fix as soon as possible ''. Again while thousands of people are left with no financial access. How do we hold such a large institution responsible?
IC Systems Inc. has continued to reflect a derogatory account entry on my XXXX credit report despite my efforts to challenge the validity of such. IC Systems has not once notified me of this alleged debt in writing. In particular, per FCRA, I was supposed to have received a dunning letter from them whereby I would have had 30 days to dispute the validity of such account. To date, I have yet to receive anything from this company. I have never heard of this company, nor have I ever conducted any business with this company. The mere fact that they blatantly placed this erroneous entry on my credit report and continue to report it is causing further detriment to my creditworthiness. 

In my review of this account entry, ( see attached documentation ), as IC is reporting on my XXXX   credit file, they stated that the account was opened in XX/XX/2017 and they started reporting in XX/XX/ 2017.  How then, did they allow 6 months as per the Affordable Care Act for any insurance payments to process? They did not provide the financial responsibility statement nor any documentation to support or justify this alleged debt. 

In short, this entry is erroneous and unverifiable and must be DELETED immediately due to IC Systems forfeiting my rights under consumer law.
My credit card was stolen in the month of XXXX and I open up a fraud Dispute on it and I noticed that capital one rebill me for XXXX XXXX for the amount of XXXX they said that XXXX has credited them but capitol one rebill me and holding me responsible for it and I should n't be paying for it and they would take it off my bill
i have been a cuistomer here a good one for years 2 accounts. no problems til now on XXXX  i treated family and a friend to outback in XXXX XXXX out of XXXX got sick from XXXX XXXX. i did call restaurant although i was travelling and busy. no response. this bank has the audacity to tell me i consumed the food and thus have no recourse. how riidiculous is this. how would i know it would be bad? i have never heard such an excuse before and i have been victim of XXXX XXXX before. 
i want my money back i did call restaurant and email the company no response. i expect 40 out of 53 refunded asap how dare you. this is my jet blue card. in their answers they tell me dispute is closed. any other bank would have fought it and or refunded me. I will not let this go and know its wrong. I am being punished for us getting sick and i wont allow it.
I obtained several loans through Sallie Mae to help pay for school, XXXX to be exact. The time is coming for repayment, I received a statement of what I would have to pay ( it was an outrageous amount ), so my grandmother kindly helped me and paid for two months, around {$660.00} total. It turns out that Sallie Mae did not apply that amount evenly to all the loans and XXXX of them became outstanding. I have called several times to have this issue fixed and it is STILL outstanding. Now they are lowering my credit score due to this issue that is completely THEIR fault. Additionally, they are also unwilling to work with me for a payment plan that I can actually pay. They also will not stop calling my poor grandmother due to this " outstanding '' loan.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification  of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Equifax security breach. 100 % wrong and action needs to be taken against actually ALL THREE Credit Bureaus. They have far to much power over consumers by using such lame excuses as " to many inquiries '' to take points off your score. As a consumer, I have the right to shop around for the lowest interest rates as much as I please. I 'm the one having to pay a loan back. 
The second lame excuse they have is when you have a " negative '' on your report and you pay it, it remains on your report for 7 years. That needs to go. 
When is the CFPB going to get some backbone and protect the consumer? Or are you going to remain a powerless Agency at the mercy of big banks and sharks? 

XXXX XXXX XXXX XXXX
Synchrony Bank called my husband about our payment ( even though the account is in my maiden name and was started before we were married ) because we missed our XXXX payment and our XXXX payment was coming due soon. Our XXXX payment was missed because we did not receive a bill. My husband asks the representative if he can make a payment of {$2000.00} on his debit card. The man then takes his payment information and processes it. He tells my husband it went through then asks him to hold for just a moment. He comes back after a few minutes to say that he is now unable to process a card ( after he already said it was approved ) and asked for a routing/ checking number. That evening, we checked our account and it showed {$2000.00} pending. We called and they said there was nothing showing on their side but that the transaction had been ran and then immediately cancelled and he didn't know why, but it would be back in our account in 5-7 days. I asked if they could either push back our due date ( since all of our money was now in limbo ) or not charge us interest until we were able to make our intended payment of {$2000.00} ( so that the interest wouldn't be charged on a MUCH higher amount ). He refused to help me on either and said that I needed to find a way to make a minimum payment so that it wouldn't be reported on my credit. He also said they'd open a complaint to have the recorded call pulled to investigate what happened and that they'd be back with me in 2-3 days. That was on Thursday and its now Tuesday ( 6 days ). We called back this evening and there is no record of our last call or our complaint and the {$2000.00} is still pending on our account.
Global Trust Management called repeatedly throughout the day using all different blocked and false numbers. They claim I owe over {$1000.00} from XXXX XXXX XXXX. I tried paying the debt but the huge payments never decreased the balance and since it is a XXXX  company they claim they dont have to follow any federal rules. I want the abusive calls to stop. I have been dealing with this since XXXX of last year. I have made previous complaints and they go unanswered.