WillisBack/dataset-financial-user-claim huggingface dataset:
Innovative Recovery formally know as Resident Collect has been attempting to collect an unverified debt for over 4 years. This company is n't and has never been licensed to collect debt in the State of Florida. Please have them to stop ALL debt collection effects and remove from their " account ''  from my credit report.
I was shopping for mortgage lending and I contacted two lenders. One of the lenders was Broker Solutions, Inc ( or XXXX XXXX XXXX ). This company offered me a conventional, 30 year fix at 3.75 % rate. I decided to go with them and after 2 weeks of paperwork and appraisal paid for they changed the loan rate to 4.25 %, plus {$1100.00} for a 0.935 % in points. The new conditions were more disadvantageous than the other offer I had. After several emails and telephone conversations I came to the conclusion that these people lied to me and I decided to change lender because I did not feel comfortable continuing business with them. I have documents they sent me to print, sign and fax back, and the emails to confirm the original offer of 30 year fix, conventional at 3.75 %
AMEX will not release my membership points despite having earned the membership reward points 1 ) Through the advertised promotion 2 ) Through *other* card accounts held at AMEX despite other accounts having nothing to do with whatever random fraudulent checks AMEX has decide to impose on cardmembers.
Discharge of Third Deed of Trust with XXXX XXXX XXXX. In violation of California Code, Civil Code - CIV 2941 ( c ) and ( d ). ( c ) For the purposes of this section, the phrases cause to be recorded and cause it to be recorded include, but are not limited to, sending by certified mail with the United States Postal Service or by an independent courier service using its tracking service that provides documentation of receipt and delivery, including the signature of the recipient, the full reconveyance or certificate of discharge in a recordable form, together with payment for all required fees, in an envelope addressed to the county recorder 's office of the county in which the deed of trust or mortgage is recorded. Within two business days from the day of receipt, if received in recordable form together with all required fees, the county recorder shall stamp and record the full reconveyance or certificate of discharge. Compliance with this subdivision shall entitle the trustee to the benefit of the presumption found in Section 641 of the Evidence Code. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX XXXX dollars ( {$500.00} ).
Chase reported my account XXXX over 30 days past due on XX/XX/2018 when the payment was made. The information needs to be corrected on my credit reports. This is an auto loan. My name is XXXX XXXX and my tel number is XXXX
I attempted to send money to a friend using Paypal. Paypal states that there will be no fee for this service of sending money from one person to another. In addition, I was provided with a receipt showing the amount that I sent and that my friend would receive the same amount with no fee. However, when my friend received the money, a fee had been deducted, even though this was not disclosed at any point in the transaction. I attempted to contact Paypal to resolve this issue but only received an automated response with cut & paste listing of their fee policy. This policy again stated that there was no fee for transferring money between people, in contradiction to the company 's behavior.
I attended XXXX XXXX in XXXX ... .basically over the years my account was sold to several companies ... and the interest rates are high on the account ... .I 'm currently unemployed and struggling ... ..I ca n't afford what they are asking me to pay each month.
Carrington Mortgage Servicrs LLC Does not let you pay your mortgage without charging you. My name is XXXX XXXX My account number is XXXX.
I 've complained on this issue before in conplaint # XXXX. XXXX XXXX XXXX XXXX keeps pushing a fraud packet, that wants me to give them all kinds of my personal information, that I do n't feel comfortable giving out. I asked them to prove that the so called account is mine. I am not doing their job for them. I want to see proof that the account that was XXXX XXXX is mine.
In XXXX of 2013 my wife and I moved out of XXXX XXXX XXXX after successfully completing our 8 month lease. Recently while attempting to qualify to purchase a home, we were informed that there was a collection account on XXXX of our credits that was derived from our lease with XXXX XXXX XXXX. Somehow after we moved out there was either a miscommunication or a huge mistake on someones part because we left XXXX XXXX in good standing. We had no idea that we would have this account in collections because we were never informed that we owed anything to XXXX XXXX. The collection agency that owns this " debt '' is ProCollect out of XXXX TX. When we submitted a request for proof of debt from ProCollect, they mailed us paperwork that included entirely false information. They claim that we owe {$320.00} from an outstanding balance with XXXX XXXX, however, their paperwork does not match our original paperwork. Thankfully we have held on to our deposit receipt from our move-in to XXXX XXXX which shows that we paid a much larger deposit than what ProCollect is claiming we paid. ProCollect claims that we paid a {$500.00} deposit, however, our deposit receipt states that we paid a {$980.00} refundable deposit. The information that ProCollect sent us is absolutely false and manipulated. We have gone to XXXX XXXX in person and they validated that the deposit receipt we have is authentic. We have also attempted to contact XXXX XXXX numerous times which was who managed XXXX XXXX when we lived there. We have not been able to get in touch with XXXX XXXX but we are certain that they would also agree that ProCollect is being deceptive in their attempts to collect this " debt ''.
On XXXX XXXX, XXXX, and on XXXX XXXX, XXXX, Wells Fargo Card Services reported a two hard inquiries on my XXXX Credit Report that I did not authorize. I sent them two certified letters on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiries. While they are still being reported on my credit report.
I have been in the hospital for 21 days and have been unable to work due to this. I have been extremely ill for 3 months and have been falling behind financially. I was unable to make my payment on time to XXXX, however they were not willing to work with me. It is now showing as late on my credit report which I have worked so hard on trying to fix. I do not want to file bankruptcy if I can help it.
I had an old student loan through XXXX from about twelve years ago. The account was in collection, but hit the statute of limitations and was removed. It is now back in collections through USA Funds and the original start date is incorrect. They have refused on multiple occasions to provide any information or proof of debt. They are now on their fourth third party collection agency from which I have sued and won for unfair collection practices. Can anything be done to have this account removed?
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
XXXX. My daughter had XXXX XXXX done. The XXXX is saying I owe a balance of {$990.00}. My daughter had dual dental insurance that paid for the services.
I had applied for 2 credit cards in XX/XX/2017 with Chase. I had two existing credit cards with Chase already. They notified me that they were going to close all of my credit card accounts. I was taken aback immensely because I am an existing Chase Checking Account customer with a {$110000.00} income at XXXX years old working for a large corporation. As a young adult, I was surprised, as I have never had a late payment. I never conducted any sketchy business activities. In fact, I use credit extremely responsibly and I simply wanted the credit cards for the benefits they provided at hotels, airlines, etc.
PURCHASED XX/XX/XXXX USED XXXX XXXX XXXX FROM XXXX XXXX XXXX IN XXXX GA, XX/XX/XXXX. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO EQUIFAX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR XXXX XXXX XXXX IN XXXX GA. I AM XXXX XXXX XXXX AND XXXX VET. HAVING 2 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.
Civil conspiracy in the ILLEGAL FORECLOSURE PROCEEDINGS against our home -- AUCTION SALE XXXX XXXX, XXXX. PLEASE HELP! 
QUALITY LOAN SERVICE CORPORATION.. 
1. Issues a Trustee Sale postponement Notice with Trustee Sale # that is ambiguous. 
2. Internet Listing shows XXXX..yet Quality 's information is surreptitiously imbedded within the XXXX listing provided by XXXX. 
3. Aware that Alleged Account with XXXX is NON-existent. Reason it blacks out this information from its copy of Note allonge in XXXX XXXX. 
4. Collection attempts with Fake trustee Sale # in XXXX, harassment and threats of sale even without a Notice of Default on Record. 
5. Subject to Mail Fraud by its " correspondence using XXXX letterhead '' but mailed from its XXXX XXXX headquarters. 
6. False Claim as a trustee in XXXX in its foreclosure attempts with no proof. Substitution Trustee recorded later in XXXX - also no proof, evidence of robosigning, CA XXXX XXXX XXXX. XXXX XXXX. 
7. Fails Debt Validation requirements. Subject to Collateral Estoppel. Ignores cease and desist Notice pending resolution of alleged debt. 
8. Reasons " it is the trustee '' -- and has no responsibility for Debt Validation. 
9. Reasons the Court will resolve XXXX complaint herewith ... YET -- it files a non-monetary status.. '' excusing itself from an Answer and further participation in the lawsuit.. '' 10. Continues its deceptive tactic of internet postings " Listing Provided by XXXX '' on XXXX ... but its information is surreptitiously imbedded within the page. 
This internet listing continues to attract " buyers unawares '' with the upcoming foreclosure auction sale XXXX XXXX, XXXX. 
Please find attached Complaint details, in parallel with Complaint filed against XXXX XXXX XXXX, XXXX, CFPB Case number XXXX. Also please reference CFPB case file XXXX lodged XXXX XXXX, XXXX -- before Quality " wilfully and deceitfully '' records the Notice of Default XXXX XXXX, XXXX -- for a DISPUTED Debt. 

Thank you for your urgent investigation and appropriation of enforcement action.
XXXXXXXX XXXX XXXX inserted my parents address on my credit report and sent 4 letters to their house, which I was unaware of until almost a month later. There was no communication from that address and no reason for them to assume I would even get the letters. I feel like this is a shady attempt to get a default judgement against me without my knowledge.
Bank of America reversed fees that were charged to my account by XXXX. There was a world wide computer glitch on XX/XX/2016 the day my child & I were scheduled to travel. I had travel insurance from XXXX. Which is a {$100.00} rip off. It claims to compensate the traveler for lost luggage, delays etc repatriation, up to {$25000.00} but it is pointless to buy as they could not help me at all. I bought tickets for myself and my child to fly from XXXX to XXXX because her father is in XXXX. The glitch happened as we were at XXXX airport & no one called us to say it was impossible to change the tickets. It is XXXX, we have a negative {$800.00} account & it seems bank of America will not look at the internet to see that there REALLY WAS A WORLD WIDE computer glitch that caused XXXX a serious problem, and that travelers are getting refunds.
This is my first mortgage payment. it was transferred to Roundpoint. First, I tried to pay my first payment early. I accidentally typed the incorrect routing number. I called immediately. After an hour on hold, I was told there was nothing I could do, it would be rejected by the bank in a couple weeks. To avoid a late payment, I had to make an additional payment now. I went and immediately made an additional payment. This was taken from my bank account. However, my mortgage account now says this payment was also rejected, because it was applied incorrectly. So the money was taken from my account, but not applied to the loan. I can not make another payment ( as the money is not in my account anymore ), but I am still going to be assessed a late payment. I have been trying to get in touch with customer service for an entire day, with no answer. All I want to do is make my first mortgage payment on time, and roundpoint is literally making it impossible for me to do that.
A significant discrepancy in remaining tax liability, state accounting incorrect and was disputed over a lengthy time period. Once an agreement was achieved we could move forward. Lein has been released and is required by law to be updated to reflect accurate status.
While in XXXX school, I was on educational deferment. During the fall of 2016, I was a full time student at the University of XXXX. Half way through the semester, changed my enrollment status with one of my classes to audit and unbeknownst to me, this changed my enrollment status from full time to part time. Navient was notified of this change in status, however, I was not -- by my school or by Navient, and my loans went in to repayment without my knowing. It was n't until my bill was already past due that I was alerted to the situation. When my loan went into repayment in XX/XX/XXXX {$92.00} in interest was capitalized. Then another {$160.00} was capitalized in XX/XX/XXXX. And another {$11.00} was capitalized in XX/XX/XXXX when I went from educational deferment to Income Based Repayment. All of this was done without Navient every notifying me, or giving me the option to pay the interest before it was capitalized. The actions in this situation on the part of Navient have been, at best, negligent. In addition, I have {$2600.00} in previous capitalized interest, due to lack of proper communication and information delivered to me by my service provider.
The check I deposited into Chase Bank was cleared and paid to Chase Bank but they have put a hold on the funds for 8 ( eight ) days. It was a transaction between different banks which I both had accounts with. Very puzzling why my funds are not available to me, though Chase Bank has been paid! I 've contacted them by phone and was told to wait till XXXX so they could call XXXX XXXX ( other Bank ) to verify. Still till this day have not gotten funds available to me ... ..Keep getting e-mails from them saying deposit is on Hold! 
I ca n't go into Chase Bank to make a Cash deposit to cover any possible transactions submitted to them for payment from my checking account -- checks will possibly bounce due to this ...
I have submitted  XXXX  claims already and multiple disputes with the credit agencies to fix this issue. While  XXXX    XXXX   has told me that they have submitted the fix, the proof is with the credit reports. Equifax and  XXXX  keep flipping their reporting from positive and negative.     While they updated a few things  XXXX  requested they did not update the main portion which is the current status of my account. And because of that, it is currently hurting my score and my APR for my new loan on a home.     I am requesting again,  XXXX  and the credit agencies report to the credit agencies the correct information. I do n't want to hear that you have when obviously it is not being reported by  XXXX  as current.  One day it appears as if it is fixed, then the next it is back negative again. All while the current status listed shows 30 days late even though the other information backs-up the proof of it being current.
Illegally holding my funds for 180 days ( 6 months ). Total amount is $ XXXX. Contacted multiple times and never got a resolution/response. 
Ref. ID : XXXX
I was at the end of a chapter XXXX bankruptcy when my note was transferred from Bayview Loan Servicing to XXXX XXXX XXXX on XXXX XXXX, XXXX. I was never informed of this transfer ( presumably due to the fact that the bankruptcy was not yet discharged on that date ) and continued to make payments to Bayview. XX/XX/XXXX I received my first piece of correspondence from XXXX, a NOTICE OF DEFAULT AND INTENT TO ACCELERATE. XXXX claims that when they took over the loan XX/XX/XXXX, the account was already two months in arrears and they only have payment through XXXX XXXX, making it perfectly legal for them to claim default. Again, I never received any correspondence suggesting that I owed more than I was paying. Additionally, XXXX claims that they sent all correspondence to me in a timely manner, only they sent it to the wrong address, so I never received anything from them, and they would have received the returned mail back at their offices. In fact, I still do n't have all of my statements from XXXX, though I have requested them via numerous phone calls, letters, and emails. 
I contacted Bayview to get a payment history to prove to XXXX that I had been making payments on time, every month, however, the Bayview representative that helped me stated that my account was closed and they could not access anything on my account except to tell me that XXXX was my new servicer and I needed to deal with them. ( Meanwhile, the payment history that XXXX was requesting that I acquire from Bayview as part of the proof they required was already in their possession, something they received from Bayview upon transfer of the note. ) I sent XXXX all of the proof that I could get from my bank ( cancelled checks and transaction ID numbers for electronic transfers ), and they denied my proof as being valid and submitted a Notice of Trustee Sale to me XX/XX/XXXX ( while I and my XXXX loan officer and his supervisor were supposedly looking for a way to resolve this highly damaging clerical error ). 
XXXX has added late fees, miscellaneous administrative fees, back payments ( which include payments for months that were already submitted to Bayview ) and attorney 's fees to the reinstatement amount, which is now in excess of {$13000.00}. In XXXX XXXX, exactly six months after XXXX acquired the note, XXXX returned my checks to me instead of accepting the payments toward my account - to date, they have only accepted funds for my account that were transferred over from Bayview, none from me directly. And if their payment history can be trusted as accurate, it also appears that XXXX has misappropriated the funds that they did accept on behalf of my account. They were charging me for taxes and insurance through an escrow account, but they had never paid those bills - they just paid them last month, AFTER I brought it to their attention. 
I have a complete history ( with dates and outcomes ) of correspondence and phone calls to both Bayview and XXXX that I would be happy to submit as well.
For the past 8 months I have attempted to get Equifax to remove incorrect information listed on my credit report for an account. I have provided them with proof to show that the debt was satisfied months ago. The creditor refuses to admit fault and correct their mistake. This negative reporting has impacted me negatively. Paid debt to XXXX XXXX XXXX in XXXX on XX/XX/2017 to settle account. Spoke to rep over the phone who advised me they could not take my payment over the phone. I was ill that day. I got up and went to the bank on XXXX XXXX to make the payment. The line was long. I waited. I checked in on XXXX so there is a time stamp of my visit. I was attempting to pay and was told by the rep that I could not pay by check to close the account. The bank was closing so they allowed me to do the transaction as electronically using my debit card. The rep thanked me for coming in and reassured me there would be no impact to my credit report. A week letter my credit was hit negative reporting of delinquent account and now charge off. I called the bank several times.I spoke with the bank manager. I spoke with the call center. I spoke with the call center manager. Each agreeing to remove the negative remarks, but no one has. I need help protecting my FCRA rights to accurate information on my credit report.
Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
My son had XXXX XXXX at XXXX Hospital. Several the XXXX were paid in full with exception of the co-pay, which I mailed in when I received the bill. Some of the XXXX was not paid by my insurance because of a coding and billing issue at XXXX for the exact same services, different day as those that were paid. Many of my co-pays were mailed back to me in the form of a check from XXXX, my guess is they did n't know where to apply it. They had a terrible accounting system where they could not look up my sons name and tell me which invoices were paid or not paid, owed on or paid in full. I had to present an invoice number if I wanted to know about anything owed, this was a problem as the bills XXXX  sent were sporadic and sometimes months after the fact. This all happened between 2014 and now. I had to withdraw much needed treatment for my son because so many of the bills were not paid by insurance even though his service should have been covered, it had just been billed incorrectly. I have spent days and days on the phone to get this cleared up but XXXX 's staff turned did not know what to do and I the staff turnover there was so high I would have to talk to a new person every time I called. This is for XXXX Hospital, Syndicated Office Systems and Central finance control and all Credit Reporting Agencies, XXXX, XXXX, XXXX.
Wilshire consumer is overcharging me. The loan was to be finished in XXXX. They do n't send me statements due to a bankrupcy I did 3 yrs ago. I missed one payment I did not know about and instead of the loan coming to an end, I owe an additional {$2000.00}. They are making a lot of extra money because of this. They are cheating me. Others should know about this deceit.
item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq
On my credit reports they have me down as having a bankruptcy charge and it 's incorrect and because I was late on a couple of bills my name was put on the bad credit list! After paying them off I 'm still on the bad credit list and I paid them off on time in fact early. So what can I do to get my name off or fix this problem please help me. Thank you for your time