WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Reply XX/XX/2018 Confirmation # XXXX Exeter stated that the XXXX XXXX is XXXX XXXX XXXX in which XXXX XXXX XXXX on XX/XX/2018. Exeter Finance repurchased the account in XX/XX/XXXX and XXXX XXXX confirms that they notified the bureaus to delete there trade line. Exeter has different information on all 3 credit bureaus different amounts and stating that they sold the account to XXXX XXXX XXXX. wrong payment amounts showing {$73.00} as they reported to Equifax on XX/XX/2018 report. On XX/XX/2018 Exeter responded back to the Consumer Financial Protection Bureau on XX/XX/18 ( Case # XXXX ) that they in error made a mistake and repurchased the account back from XXXX XXXX systems as stated by the letter mail to me from XXXX XXXX XXXX   on XX/XX/2018 that Exeter repurchased the account. as stating on the credit bureaus Exeter states they sold the account to XXXX XXXX XXXX in which is in error by the letter I have uploaded as proof. 

Exeter has not cleared up the correct information on my credit reports and still after months has it as XXXX XXXX systems as XXXX XXXX. I have also filed with the US attorney office consumer complaints in Texas, PA, Nevada on Exeter Finance to the issues at hand and there reply back to the Consumer Financial Protection Bureau reply to the case XXXX there has been nothing but the run around with XXXX XXXX XXXX about there error they admitted to. All the transfer/sold is in error being they bought the account back so there should not show on none of my credit reports as Transfer/sold due to Exeter bought the account back from XXXX XXXX XXXX
I first addressed this issue with my bank, PNC, with the help of CFPB in early  XXXX , and the issue was taken care of. However, the exact same issue is now happening again, and I can not find anyone from PNC that will take the time to speak with me and correct my account. I 've attached a File with the charges, amount, description and date.     PNC Bank has charged over {$680.00} to my checking account since  XXXX   XXXX . These charges/ fees are overdrafts and item fees, despite the specific requirement of my account not allowing any overdrafts. I have spent countless hours trying to fix this, but all PNC wants is money that my account did n't have in the first place just to cover their fees and charges.
I contacted the credit bureau in reference to some unauthorized and uninitiated inquiries in my credit file. They advised me to contact the creditor, if I did not contact them in order to establish a relationship initially why should I have to contact them to have it removed. The credit bureau broke the law by allowing false information to be reported in my file. So they need to contact them to have it removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. The XXXX inquiry is mine but should only be in my file 1 time it looks to be duplicated. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 twice this inquiry is duplicated multiple times, XXXX is authorized. 
XXXX XX/XX/2016 XXXX XX/XX/2016 Sincerely, XXXX XXXX XXXX
Experian XXXX XXXX XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX dollar for each credit union and each vendor that continue no break the FCRA and FDCPA
for the past XXXX years we have been going arund and aroun with shellpoint mortg we applied for a loan mod denied becouse i do n't make enough money for a loan mod so finally we got a agrement pay 6 payments on time and you will get it we did it flaulessly 5 months later still nothing mailed then the letter comes saying all the items are out of date so we update it and go again now we got a call from loss letigation that the docs r on there way approved after weeks and weeks and 40 or 50 calls we get papers to sighn and return we r happy until they say the notary republic did it wrong which was untrue so we sighn and noterize again now we call and get updates and all is good even though we get letter that they never received our docs but we call they say its all done docs r on way well we get envelope from them with a letter and a app to start a loan mod i will attach these letters
I am currently paying almost {$800.00} a month for my loans and after asking around found out that is pretty high. Most people I know with loans aren't paying more than {$300.00} a month. I had no problem paying that amount until I just got a new car with a {$300.00} dollar monthly payment that will make it impossible for me to afford all my expenses. When I called Navient to have it lowered they said my co-signer should help pay for it. I told them he won't and shouldn't and that I tried to get him removed but they gave me very vague reasons why he couldn't be removed. One of the reasons after I asked for more details is because my income is not sufficient enough to afford the monthly payments. So I don't know why they wouldn't mean the payments should be lowered as then I could have the sufficient income. Online I was under the impression I had to fill out the co-signer form AFTER 12 consecutive months of paying and after giving it to them they said I was suppose to fill out the form, that was going to get rejected regardless, THEN wait 12 more months of consecutive payments. Which would not matter after 12 months because I did that already and they still said I have insufficient income. I need help getting this outrageous amount lowered or I will barely get by as my monthly income is good but with all my other expenses I have I will have nothing left over to start saving. Please help!!!!!!!
My daughter XXXX XXXX, that is with me in the mortgage, was trying to refinance her apartment and her bank denied saying she had a debt of {$7.00} XXXX in the mortgage of my house. I called XXXX XXXX XXXX Bank and they told me to call XXXX. XXXX told me, more than a month ago, they will check and fix the problem. My son in law sent to XXXX XXXX XXXX XXXX XXXX XXXX from the XXXX. of XXXX of XXXX the report of the investigation Equifax did. After that XXXX XXXX never answered my calls, in spite I have been calling her and leaving messages several times. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX XXXX, they do n't give me an answer either. Yesterday, XXXX told me to email him a copy of the report. I already sent that report for thee second time. 
I feel desperated. I am getting sick. I want an explanation. My mortgage is in Bankrupcy because my huseband filled for Bankrupcy, but he is not in the mortgage or in the title of the house. Because my mortgage is in bankrupcy I ca n't see my account in internet. I have to pay and nobody tell me what month I ' m paying o what is going on with my mortgage. XXXX NEVER sent me a letter letting me know about that debt that I DO NOT KNOW WHERE IT COMES FROM. They 're delaying the answer and this is afecting my credit and my daughter 's credit. 
I ask you to help me, please. I do not has a debt of that amount. Somebody needs to fix the problem.
Key Bank debt XXXX indicated that if I submitted a letter from my daughter, XXXX notarized and an admission of the debt belonging to her, they would hold her liable for the debt in which she signed for with the organization. This debt belongs to XXXX, the debt collector has it under the account numbers on my credit reports. Key Bank NA acct number XXXX and Student Loan Mkt acct number XXXX and Key Bank account number XXXX. I have submitted this information before and Key Bank still has not released liability. I have provided my signatures for the time I have. I was able to locate my mortgage document from XX/XX/XXXX, provided a signature from XX/XX/XXXX those are the only signatures I possess unless I can provide you with current signatures I had to keep searching until I found the signatures attached and forwarded them. The only other documents I have are the death documents from my son from XX/XX/XXXX. But I have continually provided the documents in which you requested so please remove liability as per your letter attached.
In the last 60 days, I attempted to acquire a XXXX home loan from USAA. 
During the initial process I was asked to lock in a rate. What was not mentioned was that there is a penalty if not closed by the time the lock expires. This was not mentioned until after the rate was locked in and closing was approaching. I was offered the opportunity to buy my way into a better rate. A common practice these days that would be called bribery in any other dealings. The problem here was that the amount of bribe money ( points ) was not comparable to the amount of savings over the course of the loan. 
All documents requested were provided promptly and within the closing window. What would have been helpful is if the list of necessary documents and explanations were available up front. Once their list of demands from the underwriters was satisfied a new list of demands would come up. This happened several times and led to not making the closing date. One particular item of contention was the underwriter 's inability to comprehend investment withdrawal documents that spelled out money transfers and deposits. You would think this sort of thing would be easy for people that are required to track money all day every day. There are many things that USAA does well, mortgage underwriting is not one of them. 
No matter how all the process went there was always someone with their hand out wanting more money to make this loan happen. From paying for a better rate to paying for rate lock in that was exceeded because of them to paying to get a rate after being convinced to withdraw one application and start another in order to save money, just to have them try to take it back out of my pocket. There was an offer for zero origination fees that came up and would save me over {$1000.00}. What came up after the fact was the detail that it would cost me nearly that much or another 30 days waiting to get an interest rate. 
Every part of this process and any time I have dealt with home buying at all there is no end to the crooked money grubbing garbage that is passed off as legal process. 
Something needs to be done about the unending chain of paperwork and underhanded misdealing that these banks and financial institutions are using to get one over on XXXX and XXXX XXXX. 
The bottom line of this whole thing is that I would have paid this loan completely and timely. These buffoons simply screwed themselves out of all that interest money.
I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. XXXX  XXXX XXXX reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. XXXX  XXXX XXXX is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.
I received a call on the morning of XXXX/XXXX/XXXX. The man said he was said scheduled to serve me on Monday XXXX/XXXX/XXXX. He said to contact XXXX XXXX XXXX if I wanted to know why I was being served. I have never been contacted by XXXX XXXX XXXX in any way prior to this phone call. When I contacted them, they identified themselves as a mediator. They said that I owed Wells Fargo over XXXX and that if I did not agree to pay them, then Wells Fargo would sue me for triple the amount. They also said that I would be responsible for a XXXX court fee. When I asked for debt verification or a written " validation notice '', they told me that it was not possible. I was told to just take their word for it.
XXXX XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX, XXXX, NC XXXX I spoke to Ms. XXXX XXXX, she said , she was unable to pull anything on my name from their system. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows why they put my name with TransUnion. The XXXX XXXX XXXX is a billing company that is located in XXXX XXXX. XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by XXXX XXXX. 
THIS ACCOUNTS WERE NOT MINE AND NEED NOT TO HAVE ESTIMATED MONTH AND YEAR TO BE IN MY ACCOUNT TILL XX/XX/2022 SPECIFIED BY TRANSUNION. I know the account have been closed. Thanks for the good job. 

XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX, XXXX XXXX , CO XXXX, Tel:XXXX The account was not mine. I spoke to XXXX XXXX, ext : XXXX. He verified and said, the account was not mine and he had sent it back to XXXX. Where do you called that, the information was verified as accurate? Call the number again and ask for XXXX XXXX.Tel:XXXX ext XXXX  please.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one
My account has been passed from one collection agency to another. The lastest one is Palisades Collection LLC. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.
When I opened my account with Ally ( formerly XXXX ),  they were representing themselves as a NO TRANSACTION FEE banking alternative to the traditional greedy way banks operate. In particular I asked it Wire Transfers, In and Out, were free of fees and was told YES. Over the years I have and continue to have funds wired INto the account and on occasion, I wire funds OUT of the account and as it was represented, there were no wire transfer fees. 

That was until yesterday when I processed a Wire Transfer OUT of the account. They charged me {$20.00} to process the Wire Transfer transaction. This is ILLEGAL and what is referred to as BAIT AND SWITCH. 

I DEMAND my {$20.00} refunded and an additional {$60.00} to cover the time I would otherwise not have had to spend calling them and now having to process and submit this complaint due to their illegal and greed Bait and Switch tactics. 

TOTAL DEMANDED : {$80.00}.
On XX/XX/XXXX, I called the Citi Travel Desk ( XXXX ) in order to make a booking using the Citi 4th Night free benefit and my corporate XXXX member code. This is not doable online, unfortunately, so I had to call in to make the  reservation. I was marking a reservation at the XXXX XXXX XXXX  XXXX, XXXX Downtown, from Sunday, XX/XX/XXXX through Thursday, XX/XX/XXXX ( 4 nights ). The travel concierge put me on hold to call XXXX and make the booking, but we were disconnected during this process. The concierge did not attempt to call me back, and I did not authorize a charge or total amount. I did not receive a confirmation email from either Citi Travel Center or XXXX. 

On XX/XX/XXXX, I called the Citi Travel Desk again. I told the agent that I had been disconnected on a previous attempt making this reservation, and asked them to check and confirm that it had not been successfully made. They indicated that there was no record of the reservation, and I should proceed to make a new one. I received an email indicating that this reservation had been made, for a total of {$550.00} before the 4th Night Credit. This reservation was a refundable corporate reservation, for the same property and same dates as noted above. 

On XX/XX/XXXX, I opened my XXXX account to print out my reservation details prior to my trip. I was surprised to find two different reservations for the same property in my name. One was the expected reservation under my corporate code, and another was a non-refundable booking made at the normal daily rate, for a total of {$590.00}. I checked my credit card statement, and saw the charge from XX/XX/XXXX for this amount. 

I called the Citi Travel Desk to figure out what had happened. They indicated that they had no record of the nonrefundable reservation having been made, and no reference to it in their system. They attempted to contact XXXX to obtain additional details ; XXXX indicated that the travel agent number and email addresses matched XXXX 's contact information. XXXX indicated to me that because they had no record of this reservation, it would not be eligible for the 4th night credit no matter what course of action I took. 

Seeing as I had not authorized the charge at any rate other than the corporate rate I was trying to book, that XXXX had incorrectly directed me to make a second reservation, and that even if I kept it, it would not be eligible for the 4th night free benefit, I proceeded to contest this charge.

After disputing, Citi resolved the claim in favor of themselves, indicating that even though I had not authorized the charge by Citi Travel Center and the Citi Travel Center actually *lost* the booking, it was a non-refundable charge and thus I am liable.
Last summer sometime around XX/XX/XXXXI began monitoring my credit reort and disputing accounts that were n't mine due to my identity being compromised/stolen and having no knowledge of the accounts on my report. 
I disputed the accounts with XXXX and the disputed accounts were Trident Asset Management for {$260.00} and {$200.00}. XXXX XXXX XXXX for double charges {$500.00}, {$500.00}, {$340.00}, {$340.00}, {$180.00}, {$180.00}. XXXX XXXX XXXX for {$140.00}, {$130.00}, {$15.00}. XXXX XXXX for {$65.00}, {$65.00}. XXXX XXXX {$68.00}, {$68.00}. 
It took me a while to notice due to just having a baby XXXX XXXX and not checking my report for a while but inXX/XX/XXXX I noticed these accounts were reinserted onto my credit reports without any documentation supporting accuracy for re-inserting the negative credit items or any notifications from the creditors nor the bereau but I have letters published on the dispute website from XXXX that these accounts were deleted.
In XX/XX/XXXX, Key Bank 's website was down when i tried multiple times to make my payment ( {$620.00} ). I spoke with a customer service representative about it and they told me they would " bullseye '' the 30+ days past due on my credit report. It is nowXX/XX/XXXX and it is still reporting 30+. I have spoken to multiple people at Key Bank as well as sent SIX credit dispute letters/emails. Key Bank has not acknowledged ANY of my correspondence. If you look at my payment history, you will see I have never been late in the ten years since I opened the account. Please help!!! 

I have attached the most recent correspondence sent to Key Bank. 

Best, XXXX
Green Tree financing has had an equity line of credit on my property in Ohio. In XXXX XXXX, they bought the primary mortgage from XXXX. Green Tree doubled the payment on the equity loan in XXXX XXXX. I filed for loan modifications on both loans, the equity interest rate was dropped, but the primary loan was offered to extend back out to a 30 year mortgage at 6.875 %. I did not take this and asked for the amount to bring the mortgage current. I did a pay by phone payment on XXXX XXXX XXXX for {$4600.00}. This was to bring the mortgage current through XXXX XXXX. 

Green Tree did not credit the amounts to the account. I have made several calls to clear up the matter, but am being told that they have no record of a {$4600.00} amount. I was told I did n't send in a XXXX payment, but when I produced a receipt, they asked for a couple of weeks to clear their records. Green Tree also said I would continue to accumulate late fees and I should be fine to pay them. 

I did get letters dated XXXX stating that both loans were in good standing and were current. Today I received a loan modification packet stating I am 30 days past due. 

During one of the conversations, XXXX from Green Tree said " I needed to understand that her investors did n't care about the equity loan and just wanted to foreclose on the property because they could make money ''. 

I would refinance to get away from Green Tree, but the value of the home is still less than the combined mortgages.
The following is inaccurate and a result of ID Theft and must be blocked under FCRA Section 605b. 
1. XXXX XXXX ( Credit Inquiry ) 2. XXXX ( Credit Inquiry ) 3. XXXX ( Credit Inquiry ) 4. XXXX XXXX ( Credit Inquiry ) 5. XXXX XXXX ( Credit Inquiry ) 6. XXXX XXXX ( Credit Inquiry ) 7. XXXX ( Credit Inquiry ) 8. XXXX XXXX ( Credit Inquiry ) 9. XXXX ( Credit Inquriy ) 10. XXXX ( Credit Inquriy ) 11. XXXX XXXX XXXX XXXX ( Credit Inquriy ) 12. XXXX XXXX ( Credit Inquriy ) 13. XXXX XXXX ( Credit Inquriy ) 14. XXXX 15. XXXX Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX
They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended XXXX back in 2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However Williams Fudge had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called Williams Fudge and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house
Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.
I have an account through CredX, which is collecting for XXXX. I 've received several phone calls where if I do n't agree to their terms ( I need flexibility ) then they start yelling, interrupting, and using tones that aggravate me when all I 'm trying to do is settle the best that I can. 

VERY FRUSTRATING.
On XX/XX/2014, Specialized Loan Servicing ( SLS ) acquired my loan from XXXX. 
At the time, I was awarded funds from Keep Your Home CA in  the amount of {$98000.00}. 
SLS placed the funds in an Unapplied funds account until XX/XX/2014. I was informed that {$93000.00} was applied to the principle balance.