WillisBack/dataset-financial-user-claim huggingface dataset:
Over the past 7 years I have taken many steps on trying to get this account resolved and closed. This account in XXXX of XXXX was opened under false pretense with the co applicant. I was told I was the purchaser and the co applicant was the co-signer. Years after the repossession I found out that I was actually the co-singer and not the purchaser. Why would a XXXX  year old co-sign for a XXXX year old. ( makes no sense ) I trusted who was helping me get to car so I did what ever he said and signed where he told me to sign not knowing what exactly I was signing but trusted who was telling me to sign. Years later, I worked with XXXX XXXX to get the account taken care of and they had the account closed with a {$0.00} balance. After the closing of the account, the account some how had been reopened affecting my credit score and then closed once more. In XXXX of XXXX I contact the company to ask when the account would come completely off of my credit report since it have been 7 years and she said after XX/XX/XXXX of XXXX. I waited and the account never came off of my credit report. XX/XX/XXXX I reported the account again with XXXX to have it removed due to its age. Upon checking my report on XX/XX/XXXX the account had been reopened once more affecting my credit score AGAIN. I contacted the company and they said that they have every right to close and reopen the account as many times as they want until the amount is been paid. ( affecting my credit score more negatively every time ) After saying this she went on to mention that " But due to the age of the account we are not going to pursue it, I will close the account with a {$0.00} balance. Be aware that because of this you will get a paper in the mail for your taxes because this will be considered earned income and you will have to pay taxes on this. '' I have never in all the other times this account was opened and closed paid taxes on this and now all of a sudden I have to. She also mentioned that this account XXXX never come off of my account. I explained to her that I was told other wise and now I am being told it XXXX never come off. My Credit score is now well under XXXX due to this account and the many times they have opened and closed the account. I worked hard to get it to where it was with the repo still affecting it but not as bad because it was a closed account. Now that they reopened it again it has affected my credit and has now cause my credit to go down. I just want this account off my credit from 7 years ago. I was young I made a mistake its been 7 years and I paid for the consequences. I have now many open and in good standing accounts with no issues working hard to build my credit so I can buy a house one day. This is the worse company I have dealt with and never again will I ever deal with them for any reason what so ever.
XXXX has wrong personal information that list my addresss being in XXXX Texas. I have never lived there. Known addresss XXXX XXXX XXXX XXXX XXXX tx XXXX.
We are XXXX citizens, and my husband made a payment and by mistake he over paid Them by over XXXX dollars. We have contacted them on several occasions asking them to please cut us a check we need that money returned and have been told that they ca n't they have so follow guidelines and we have to wait a month or more to get it back. Mean while they are collecting interest on our money and we are short money on our end. That seems very unfair. If we would n't pay them we would have to pay them a penalty. Is that rule reversed if that pertains to them withholding our money? Please look into this for us we really need that money back Thank your, XXXX and XXXX XXXX
I requested additional information from Suntrust Bank in reference to an account that is reporting on my credit file. The account number is ending in XXXX. I requested the full payment history and how fees and so forth were applied. They only sent me a letter that said the information was accurate. They sent no proof they only sent a form letter.
1. During the month of XXXX I purchased a property thru Ditech located at XXXX XXXX XXXXXXXX tn XXXX. Prior to closing I was approached by the adjoining property XXXX XXXX. He told me the home was partially on his property. He wanted the home moved off the property. I immediately call the field rep for Ditech ( XXXX XXXX Ph. XXXX ) and told him what happened. I told him I would not close the property unless Ditech vereifed the legal description and that the home be completely on the legal description. He sent XXXX XXXX surveying out to verify the boundaries. XXXX XXXX located XXXX pins and the home was clearly inside the pins. I contacted XXXX XXXX XXXX and told him what XXXX XXXX had to say. I also told him if he disagreed he should get his own survey and if it differed we would attempt to reconcile the problem. XXXX XXXX did not call back. I closed on the property and spent apx. {$25000.00}. to remodel the place. I rented the home and heard nothing else until apx. XXXX XXXX. I went out to check on the property and a survey line had been laid thru the middle of the lot. On the following monday XXXX XXXX recorded a deed from his niece transfering ownership to him. XXXX XXXX hired an attorney and ordered me to move the home. He would not accept any offer to settle the matter. He wanted the home moved. I hired XXXX XXXX XXXX XXXX. to investigate the matter and file siut on XXXX XXXX. His investigation reveled that the the location of the home did not match the legal Description true point of beginning. I attempted to contact Ditech but no one responded.I think this could have been taken care of by the Ditech foreclosure attorney but with no response from Ditech and based on the findings I moved the home to the boudaries of the correct legal description. I had to do this to protect my interest as well as the banks interest. I have a mortgage on the property.. 2. I want Ditech to reimburse my costs in this matter of apx. {$18000.00}. This is the cost of moving the home, installing a new well, connecting the sewer etc. If they disagree I would like for a mediator to handle this and I will be happy to work with anyone that Ditech thinks should here this matter. 3. My information XXXX XXXX, XXXX XXXX XXXX, XXXX, TnXXXX email XXXXXXXXXXXX 4.. attached are letters from my attorney, Ditech and XXXX XXXX Bank XXXX
The company calls almost every day. They are calling for someone with the same last name. I have a very common last name. I have asked them to stop. They continue to call. I do not have debt.
I recently ran my credit report and found a collection item on it from convergent outsourcing in the amount of ~ {$400.00}. They said it was from XXXX, however, I currently have my cell phone account with XXXX and have had the same accoutn since 1997. I called XXXX and they said my account is current and they show not past due debts that are owed. I want Convergent to remove this from my credit report and leave me alone.
I used " western union '' service today to send money. After i completed money transfer page and provided my bank routing and account numbers to transfer money from i clicked " transfer ''. Then there appeared next window asking me to provide my login and password for my online banking " FOR VERIFICATION ''. 
I clicked " cancel ''. Then it was " if you cancel, this transaction will not be completed ''. 
I clicked to " cancel ''. Then next window appeared saying " your transaction is successful and complete ''. 
So, this is clearly fraud! They are asking people for online banking login and password " for verification reasons ''. 
Thank you.
I paid off my mortgage with PNC Mortgage XXXX XXXX, 2016. After checking with the XXXX County Recorders office as of XXXX XXXX, 2016 there is no record of a release of mortgage. I think six weeks is more than enough time to file the paperwork ( which I already paid for ).
XXXX credit reporting is showing 2 collections on the reports for my account.
Experian is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would XXXX be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.
There were inaccurate information and inquires that were deleted on my credit report and was reinserted with Transunion last week with no written notification stating that it will be reinserted.
Compass bank made sure to put my account - {$3.00} despite having the funds in there so they could charge a NSF fee of {$38.00}. I had transfered {$20.00} which made it to the good but they put the other charge through first to make sure it was negative. With that, it cause my account to be negative again when my XXXX  for {$3.00} went through. I want to make sure the negative {$38.00} is refunded due to their illegal tactic to charge bogus fees.
Constantly calling my mobile phone number [ XX/XX/17 @ XXXX XXXX, and not communicating with me at all when asked the nature of their business. Complete silence from beginning to end, they hold my phone line hostage and eventually hang up. The phone number they call from is supposedly a non-working number, so you can not return the call from the number they call you. They know they do n't have my permission to call me via mobile and may have call my place of employment. I berated them for calling between XXXX XXXX and XXXX XXXX. 

You must use a different phone [ landline ] in order to " ferret them out '' .Their initial tactics was 'robo-calling, ' that did n't work out for them. They are very uncooperative and never customer friendly. They refuse to answer questions posed to them. I had to fight to get their address of record.
Equifax credit score is 100 points lower than the other 2 credit bureaus. This can't be Please correct or explain logic to this error.
This debt was supposed to be paid by my ex husband. He had all my information and added lots of different bills under my name because he is illegal and now they have affected my credit.
XXXX XXXX XXXX incorrectly placed an account into collections for {$49.00} with Enhanced Recovery Corp. After seeing the collections account on my credit report, I called the collection agency and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that this was a mistake on their part and they would have the dept removed completely. This was done in XXXX. 

Since then, XXXX XXXX XXXX has credited the {$49.00} to my account, which makes the balance zero, however the collection account continues to show on my XXXX credit report. After seeing this, I called XXXX back and they imformed me that they have requested Enhanced Recovery Corp to remove the collection account since it was a mistake on their part. 

Enhanced Recovery Corp has yet to remove this false collections account.
I received an escrow analysis from Roundpoint in XX/XX/XXXX for my XX/XX/XXXX property taxes. I reviewed the analysis to find that city/ village tax was miscalculated. I sent additional information ( i.e., actual tax bills for XX/XX/XXXX ) to Roundpoint showing the actual payments for my city/ village tax was incorrectly calculated on or around XX/XX/XXXX. For almost a month they told me that they were investigating the issue and that a new analysis would be run. A new analysis was run without taking into consideration the information I had sent to them. I followed up again the last week of XX/XX/XXXX to be told that they were still investigating the issue, but that it would be resolved by XX/XX/XXXX. XX/XX/XXXX, passed and the issue was not resolved. I called the first week of XX/XX/XXXX to speak with customer service again. They told me they couldn't fix the issue without a new tax bill. I called the local tax collector and explained the situation. She explained to me that the new tax bills would not be printed until the first week in XX/XX/XXXX, but would send me detailed information in an email to forward to Roundpoint. She sent me that information and that same day I forwarded that information to Roundpoint. Her email explicitly stated that if Roundpoint had questions she should be contacted directly. They never contacted her. I followed up again today XX/XX/XXXX, to be greeted by a rude customer service representative who had no clue how to resolve the issue and refused to assist me further. Roundpoint has overestimated my city/village tax by 50x what they actually will be for the year. The tax bill for the year is estimated to be {$100.00} per year. They are actually calculating it to be {$5700.00} for the year. They refuse to resolve the issue and as a consequence, my monthly payment will go from {$2300.00} to {$3100.00}, which increases my monthly payment {$870.00} per month.
Hello, I had an adjustable rate mortgage with XXXX XXXX XXXX which adjusted in XXXX to the tune of {$4300.00} but was adjusted to {$3700.00} after loan modification. I got a second job but even with a second job, I still could not meet these terms because in addition to these payments, that I'm single parent and still had to pay for child care and other living expenses. I contacted a realtor and after a long soul searching process, I decided to put up the house for short sale in XX/XX/XXXX. 
In the midst of the short sale process my loan was sold to Select Portfolio Servicing in late XXXX and I have been living a nightmare ever since. According to them which I find hard to believe, XXXX XXXX XXXX did not give them any short sale paperwork when the loan was sold so I had to start from the beginning again and fill out all the required forms. 
I have lost 3 buyers in the process because of their shoddy business tactics. 
I have had the same realtor on record and I have given her 3rd party approval to handle all transactions but on myriad occasions they have returned and said she does not have approval to speak them. I have made 3-way calls on multiple occasions so they could speak to her. 
I have sent 3 Request For Short Sale forms ( I have proof of receipt ) to them even uploaded it to their website but they keep saying to resend or they don't have it or lost it. 
4. Every time I think I'm close to approval, they throw another wrench in the plans and ask for another BPO, which is different each time, even though I have previously submitted it 3 times and ask me to fill out another RFS. The items requested have nothing to do with the settlement statement. First sale was for {$520.00}, went up to {$550.00}, now its {$590.00} The house needs a lot of repairs ( roof, flooring, termite ) and the current buyer is a newly single divorced gentleman who works in construction and will be able to offset the cost of these repairs. the BPO does not factor I the cost of the repairs of where a reputable, ethical person conducting it would tell you. So far he has been very patient to hang in there with the process but I'm afraid he maybe the 4th casualty. 
My life is at a standstill, I can not move forward and begin the hard work of reestablishing my credit because XXXX is a nightmare and losing 3 buyers has been very tough to swallow with XXXX giving me foreclosure dates and removing foreclosure date only to throw more curveballs because of their shoddy business tactics. 
No one buys a home thinking they will lose their home, I certainly never tough this would happen to me. I have lived in this home for 12 years and it's been tough to let of the dream of home ownership and my grieving process exacerbated and been complicated by XXXX. 
I have a copy of all the documents with my realtor that I have submitted to XXXX if you need them. 

Sincerely. 
Distressed soon to be former homeowner.
The company I C SYSTEM INC has listed a debt on my credit reports in the amount of {$510.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
Rent Recover ref uses to follow a federal order to remove themselves from credit reports. I have included them in my bankruptcy and they have not complied by leaving the account open as if it is still owed.
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Opened>> XX/XX/XXXX
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX   saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXXand it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, Experian and XXXX  should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..
On XXXX XXXX, 2011, I was arrested by XXXX XXXX XXXX District Attorney 's Bureau of Investigation. Before booking me at the XXXX at the XXXX, booking number XXXX, I was taken to the XXXX hospital to be check out. Why that was done I do not known? But since I was in handcuffs, I had no say so in the matter. All so, I would like to point out that at the time, I had my own Doctor. His name was XXXX XXXX XXXX located in XXXX, ca. Since 2011, I have tried to resolve this issue with CMRE Collections but to no avail.I have letters and information verifying everything I had said. In fact, I sent CMRE collections a letter showing that I was in police custody at the time.
To Whom It May Concern, On  XXXX / XXXX /   2017  I disputed an account reported by  XXXX   XXXX ,  XXXX  in the file you maintain under my Social Security number.   I was informed on  XXXX / XXXX / 2017  that the item was deleted from my credit report.   Now I have discovered that the item has been reinserted on my credit report.   In accordance with the requirements of the FCRA sectio  n 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 busine  ss days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.   I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorn ey Generals Office, and  the BBB.   Please govern yourself accordingly.
I graduated from law school in XX/XX/XXXX. At the time, I had around $ 120k in student loans through XXXX, which was later bought out by Great Lakes. I began working for the Federal Government in XX/XX/XXXX, with the understanding that loans would be forgiven in 10 years because my employment fell under the PSLF program. I was told my loans qualified by XXXX/Great Lakes. It wasn't until early XXXX I realized my loans were not properly consolidated as Direct loans, at which time I consolidated my loans and began making payments under IBR. The loans were serviced by multiple contractors ( including at least XXXX and XXXX ). In XXXX my loans were transferred to XXXX for loan servicing. I asked for an accounting in XX/XX/XXXX so I knew how many payments I have left to make. To date, XXXX has refused to provide that information, despite repeated phone calls every 4-6 weeks ( every time I call they say " it'll be another 4-6 weeks '' ). According to their website, I have only made 24 qualifying payments!!! So, 1 ) I was lied to initially that my loans qualified by XXXX./Great Lakes ; and 2 ) XXXX can not or will not provide an accounting of the payments I made through Federal loan contractors through the years.
XXXX XXXX checking account in XXXX 2016 that promised a bonus of XXXX XXXX XXXX AAdvantage miles in exchange for opening a new account and meeting several requirements. Citi 's own wording promised the miles would be deposited into my account within 90 days of completing all requirements. After verifying in writing with Citi that my account was eligible and exactly what steps were required, I then met all these and waited the 90 days Citi stated would be required for deposit. After 90 days without any communication from Citi and no miles deposited, I contacted Citi about the issue. Their response was essentially to deny that my account was ever approved for the award miles bonus despite my written assurances. XXXX, Citi has decided to not honor their part of the deal despite my completing all steps required for the bonus. Moreover, Citi are still charging me a usurious $ 30 monthly fee to maintain this account. I have no choice but to pay this fee because if I downgrade or close the account before the award bonus is awarded then the bonus offer is forfeited per Citi 's terms.