WillisBack/dataset-financial-user-claim huggingface dataset:
I started a short sale process XX/XX/XXXX and had multiple offers on my home at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The bank responded to the first offer presented to them as being too low to meet the requirement. They sent me an appraisal with the minimum net offer amount. My realtor then presented them with a 2nd offer on XX/XX/XXXX after several attempts to get them to clarify the net amount. The net amount for the offer was {$120000.00} to begin the negotiation process. The offer was to expire on XX/XX/XXXX. We did not hear anything from the US Bank negotiator until XX/XX/XXXX with a request for bank statements from XXXX XXXX, a Default Resolution XXXX with US Bank. His request for my bank statements went thru my realtor, which I thought was strange. A realtor usually does not collect financial data on its clients. My realtor forwarded the request to me and I sent both XXXX XXXX and XXXX XXXX, who was then my relationship manager at US Bank my bank statements. XXXX sent a confirmation of receipt of my bank statements. However, I never heard back from XXXX XXXX about the offer presented to the bank on XX/XX/XXXX. As the offer expiration approached, my realtor XXXX XXXX and I made several attempts to get some sort of response from the bank. The very motivated buyer extended the offer to XX/XX/XXXX in hopes of getting a response from the bank due to an email received from XXXX XXXX on XXXX stating that the loan review was escalated to senior management and allow 2 weeks for XXXX to be contacted by the negotiator or another XXXX. We never got a response about the offer. The buyer and my realtor then walked away. I sent in a request for a deed-in-lieu of foreclosure on XXXX/XXXX/15 due to the banks failure to respond to offers. I also filed a complaint with their Default Complaints Escalation Center of US Bank Home Mortgage about the offer and the failure to respond to the offer in a timely manner XX/XX/XXXX. I did receive a response from the Default Complaints Escalation Center on XX/XX/XXXX, I received a letter referenced Loss Mitigation Summary Information that stated that my Short Sale was not approved because " We have yet to receive a sufficient short sale offer that meets program requirements. '' and DIL was " '' The application did not indicate interest in in pursuing a deed-in-lieu and therefore you were not reviewed '' and it did not mention that US Bank Home Mortgage failed to respond to my last purchase agreement which forced both the buyer and realtor to abandon the offer. 
I have since spoken with several staff at US Bank Home Mortgage who have acknowledged " dropping the ball ''. However, they have not repaired my credit, nor have they tried to do a " deed in lieu. '' The repeatly cover up their mistakes and deny any wrong doing on paper. I would like the bank to regulate short sales with big banks.
On my recent credit report, Barclays Bank Delaware has a charge off in the amount of {$360.00}. I did n't receive a notice about it and do n't remember owing them anything. When I attempted to call, XXXX, I was told the account was not with them and given another number which is XXXX XXXX and XXXX. However, I called them on two separate occassions and was told they only handle XXXX people 's accounts, this has been a problem with Barclays, and was provided another number, XXXX. At this number, I was told they do n't handle the account and was given another number, XXXX, which no one answers the phone. I am attempting to get a mortgage to purchase a home and this is the only negative item on my credit report.
I requested a payoff letter for my loan and was told it would take 5 business days to process my request. I explained that I needed to close on a refinance the next day and would come to the bank to collect the payoff amount in writing. The bank told me that they could not accommodate this. I explained that I would lose my lock on the rate and no fee refi, but it did not matter. They could not help me and would not issue a letter designating the 10 day payoff amount, even if I went to the bank to get it. The bank that is refinancing my loan was highly surprised as they could do this as a same day service and expected that TCF Bank could do this as well. I will need to resubmit my loan and lose the free refinance as well as an excellent rate.
Based on Information and belief, the alleged account is not mind. I am a victim of ID Theft and have continued to inform Global Receivables Solution, but to no avail. They will not response to my requests for validation and verification but continued to call my home and work. I have never had a XXXX Account.
XXXX, XXXX  and experian are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX  XXXX  XXXX  XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : Experian- XXXX XXXX XXXX Operation supervisor XXXX XXXX Vice President and associate General Counsel XXXX XXXX Senior vice president enterprise fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer XXXX-XXXX  XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX/XXXX  XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
I do n't feel I own this loan I was enrolled in what i thought was free program that closed while i was attending the school. After a while i started getting bills and was not sure what to do or how to go about getting this issue corrected. In order to stop for getting a wage assign me i went into consolidation to stop this because I could not afford assignment. I asked for simple copies of signed documentation showing i signed for this loan. The company is claiming the school closed XXXX-91. I do not agree with that It closed while i was there. I 'm asking if their claiming it closed that date can the please provide their information. The school did not give me any closing information and missing paperwork
On or around  XXXX / XXXX /   17  I was reviewing my credit report and I discovered several  HIPPA ACT violations breach of third party  confidentiality. I have never done business with these companies listed. I have never signed a contract or entered into any verbal or written contracts with the following comp anies 1.   XXXX   XXXX   XXXX    XXXX     XXXX   HIPPA Act v iolated please delete.   2.  XXXX   XXXX   XXXX    XXXX  This account has never been validated please delete.   3. XXXX   XXXX    XXXX    XXXX   HIPPA Act violation please  delete.   4.  XXXX   XXXX   XXXX    XXXX   5.  XXXX   XXXX   XXXX  #  XXXX   HIPPA ACT  violation please delete.
Property was sold via public auction while litigating with XXXX XX/XX/XXXX. 
Received notice case was squashed XX/XX/XXXX. 
Received email from OCWEN that my mortgage was paid on my behalf. 
Inquiries about who paid it and why, what happens to property title, and if there is any compensations, have been to no avail. 
What's next?
I am reporting XXXX XXXX XXXX XXXX XXXX. I paid this amount in full XXXX dollars in XXXX nothing has been done but the document from housing says XXXX but XXXX XXXX was given to him as well to rectify the situation the XXXX XXXX XXXX do n't have the landlord number either I also have documents to prove from both courts and himself the landlord and housing authority. I need you guys to investigate this please.
XXXX There are no data Furnishers to contact on these matters. Please comply with my request in my original complaint regarding inaccurate reporting of personal information on my Credit Report with your company. this per my request. This is my second request for you to correct the information on my Credit Report. I do n't know why I must spend so many countless hours on this. It is causing me a lot of stress. 

You should only be reporting personal information contained in this complaint and the attachment, any other names or social security numbers, or addresses are completely inaccurate and do not belong to me under penalty of perjury. Please remove this information right away and only report the information that is contained in this complaint and it 's attachments. I have included all necessary information so that you know that it is really me writing this.
CITI surreptitiously increased my interest rate in XXXX from 15 % to 29 % and never told me about it. When I found out about it online 7 months later, they stalled when I asked for information and finally lied about whether I could close my account. After stalling initially and denying that my interest rate was a default rate, they finally admitted it was but would not advise of the default. When I reviewed every statement of mine since the rate increase, I found absolutely no delinquency. I told them I wanted to close my account. Citi said I would lose over XXXX miles on XXXX XXXX if I did. I called XXXX the next day, and the woman at XXXX informed be that Citi was wrong and " that they tell everybody that. '' Extraordinarily infuriating.
My mother took my son XXXX XXXX on XXXX XXXX 2013 and provided XXXX XXXX Hospital with his Medicaid XXXX card member id # XXXX. The hospital was paid but the dr 's office XXXX XXXX was not and never received any bills from them. I had this account removed from my credit report last year because per Florida Medicaid law when a recipient has Medicaid and provide the hospital with their insurance card they are not liable for any hospital bills from the visit. Per Medicaid they can send the bill for payment
I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


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XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX CXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
I paid off my XXXX XXXX bill several years ago which they have confirmed repeatedly. Over the years, various credit collectors seem to mysteriously pop up and claim I owe this money. I have disputed this numerous times, the matter gets resolved and the negative credit item is removed from my credit report, and then 1-2 years later, it reappears. 

The latest collection agency is XXXX XXXX XXXX. I do n't know who XXXX XXXX XXXX is, nor have I ever received anything from them. I DO NOT OWE them or XXXX XXXX any money. But this month I received an alert that they claim I owe XXXX XXXX {$98.00}.
On XX/XX/18 I received notification that my credit score went down. I researched and found the company Waypoint Resource Group Collections on my XXXX, XXXX and XXXX reports. Theres no account number assoicated with the dept of XXXX. Says the debt was created XX/XX/18. This is an error on my credit. I am sending them a request for orginal documentation with my signature or they need to be removed from my credit report. I am a senior and I feel like XXXX, XXXX and XXXX are not doing their job in protecting consumers. Please help me get this erroneous deleted from my credit report. I can not apply for jobs or apartments that check your credit because of these three major credit companies. Please help me. Thank you
I was sent a tax bill and I ask RoundPoint mortgage to redo my escrow analysis XX/XX/2016 due to a decrease in taxes from a Homestead Exemption. They kept calling me and telling my mortgage payment was late for 4 months. They sent me a escrow analysis that was redone with a new payment amount due XX/XX/XXXX, that was still incorrect. I paid the money because I did not want them to negatively impact my credit score. I now get my new tax bill and its is less than half of what they are trying to make me pay for escrow. They kept telling me that they could not get in touch with the XXXX County Tax department in Texas. I also ask to speak to a supervisor 8 times between XX/XX/XXXX and XX/XX/XXXX and a supervisor was never available or ever called me back. I paid them over {$9000.00}, when my tax bill was only {$4600.00}. They have double charged me on my taxes and I want my money back immediately.
I 'm Just trying to get Equifax to report my plus XXXX XXXX  account correctly. It shows as an open account, when in fact it should be closed. It was on my BK, and it shows as such, why would it be listed as open. Thank you very much for looking into this matter, I hope it gets corrected.
I own a  2nd floor office condo in an 18-unit, 6-story, 120-year old bu ilding  XXXX   XXXX   XXXX . In  XXXX ,   XXXX  , Peoples United Bank told me I had 30 days to purchase flood insurance on my property in  XXXX  or they would purchase it for me. I began the process and discovered that it was not possible to get this done in 30 days. In the meantime, the bank went ahead and purchased a policy for {$7500.00} and billed me for it. I managed to purchase insurance by  XXXX ,   XXXX   for {$2100.00}. Later, I discovered that the rest of the condo owners paid between $  XXXX  $  XXXX . This year I will renew at this cost. Also, none of the other condo owners were given this kind of a time frame.   The bank has deducted {$1800.00} out of my mortgage payment account, putting the account in arears and charging me for late payments. I have paid {$3900.00} for {$500.00} worth of insurance. I also have an engineering report stating that in reality, only the basement is considered to be in a flood zone ; none of the units in the building are. I also have a letter from FEMA station that the chance of our unit flooding is slim to none.   I am looking for the bank to return the {$1800.00} theyve withdrawn, remove any late charges, and make my account current. Ive made many calls to the bank, but theyve gone nowhere. My issue is not flood insurance, itself, its the fact that the bank is forcing a {$7500.00} policy on me, when the situation was not urgent.
Equifax did not protect my identity properly and now has exposed my personal identity to public records. My life is now in shambles.
DearSir/Madam, I did a mortgage modification with the XXXX XXXX at XXXX and started making my regular payments every month on time. On XX/XX/XXXX when I went to the XXXX XXXX to make mortgage payment for that month I was told that my mortgage was took over by The Select Portfolio Servicing and I needed to make the payments to them starting that month, XX/XX/XXXX. I called the Select Portfolio Servicing phone number that was provided to me by the XXXX XXXX so I could make the arrange payments. After I spoke to a Select Portfolio Servicing agent who stated that they were told that I didn't pay my last 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  After that false accusation I thought it was a mistake on their end and I spoke with one of their supervisor, who stated the same accusation and told me he would close the case if I could fax him the XXXX XXXX statements which they should have already received them from the XXXX XXXX   when they took over my mortgage. Not only the statements but I also sent them the copies of the payments slips including those months they accused of me not paying. Each time after I faxed those documents to the Select Portfolio Servicing, inc. with the confirmation for the fax, they kept denying and telling me they didn't receive it. after the modification I always made my payments on time to the XXXX XXXX and to the Select Portfolio Servicing after they took over my mortgage on XX/XX/XXXX. Each time I called to Select Portfolio Servicing for the payments over the phone using my checking information, I was always subject of their allegations and harassment, not only that also getting harassing phone calls numerous times every day for years, receiving letters of their false accusations with threaten me to lose my house, messing up my credit with their default claims since the XX/XX/XXXX, for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments I already paid on time and faxed them the copies of the payments slips and the former mortgage company ( XXXX XXXX ) statements. I got so tired and frustrated of this false allegations and started doing 3 months auto payments in one time so I didn't have to deal with their lies every month. When I called them again to make 3 months payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX at XXXX eastern time, I spoke to their agent XXXX XXXX XXXX who stated that she can't process my next 3 months payments because my house is on foreclosure and handling by the attorney named XXXX XXXX with the phone number XXXX XXXX XXXX. as a results of the intentional wrongdoings of Select Portfolio Servicing for almost last 5 years I am at the edge of loosing my house, my health and damaged my credit severely. I am respectfully asking you to bring the justice to this case and taking necessary punitive actions for this company. Sincerely yours, XXXX XXXX
In XXXX & XXXX of 2016, BB & T Bank was running a promotion to open a checking account and get {$150.00} bonus. Additional requirements were : establish a direct deposit of {$500.00} per cycle & make 3 bill payments. I followed these requirements. 5 months later and still no sign of bonus. Phone call to customer service ( XXXX ) ended up with them advising me to talk to my local banker as it was a " regional promotion ''. Talking to local banker stalled since the banker had to the same toll-free number and they told her that the account was opened with no promo code ( back in XXXX I clicked on " Open Account '' button. There was no field to enter any promo code ). My impression is that the bank is avoiding following their own promotions in order to not pay the bonus.
On XX/XX/XXXX at XXXX XXXX, a gentleman named XXXX called my secretary to tell her that I was being subpeoned and he needed my information. I was not in the building and he asked to speak with my boss. He then gave her his number and my social security information and a case number. I then called on XX/XX/XXXX at XXXX XXXX and was connected to XXXX from RPM credit collections who then told me that legal action was to be taken against me and they would show up at my place of employment to get garnishment information from my employer. He then stated that they would embarrass me at my job.
Contacted XXXX ( XXXX XXXX XXXX ) and they state they " can not locate a customer with the above referenced name, address or account number in our system ''. If they have no record of me owing them a debt why is it on my credit? How do I get it removed?
I began paying Student loans in XXXX XXXX. Beginning Balance was XXXX @ interest rate of 6.55 %. Have made all payments required by the U. S. Department of Education through XXXX, XXXX. At that time I was informed that my loans were transferred from XXXX to MOHELA, another U.S. Dept. of Education loan servicer. Automatic debit to my checking account has continued on the XXXX of each month to the present. I calculate that I have paid more than enough interest during this 4.5 year period to reduce my principal. Instead, MOHELA says my principal balance has increased to {$36000.00} as of XXXX/XXXX/XXXX. So while I thought my principal balance was being reduced each month, my principal balance was increase by {$4600.00}. I can not determine how this is possible from the XXXX website, or from my conversation with their HELP line. All Loans were for a degrees at XXXX in XXXX, KS
Clear Recon Corp., as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records XXXX, is trying to foreclose based upon loan modification documents that were forged by XXXX XXXX Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XXXX. 

The XXXX XXXX XXXX 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX Bank. The Trustee still in place is XXXX. 

I have checked with XXXX, XXXX XXXX and XXXX for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX also has no record of this loan onn it 's online database. 

Clear Recon Corp. and XXXX XXXX will not produce documents verifying the current legal Beneficiary or Trustee when requested. Clear Recon Corp. will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.
I opened a no-fee checking account in XXXX 2013 for {$50.00} with Wells Fargo. I received a letter and statement in the mail my account was closed for lack of activity. I called requesting a refund of the {$50.00} and was told it would be mailed. Three to four weeks later I made a follow up call that I did not receive the refund. I was then told I had no refund because the money was used paying service charges. After complaining again, I was told since the prior person I spoke with stated I would get the refund, they would follow up. As of this writing, I still have not received the refund or any follow up. They stated because I was notified in previous statements it was my responsibility to have seen the notice and responded. I explained I was told no service charges and had no charges until recently and did not know my account was closed without my acknowledgement only after I went to a XXXX balance. I 've seen so much about Wells Fargo in the news between the bad student loans and opening false accounts for their customers and receiving the huge fines, I 'm feeling like I have been taken advantage of and should expect a full refund of {$50.00} Thank you,