WillisBack/dataset-financial-user-claim huggingface dataset:
Round Point Servicing Company has now admitted that they deliberately sent too early of a payment to my home insurance company and that it was the insurance department 's error on their behalf. This was after last years error of claiming my insurance policy number changed ( which this year they claim it never did ) and the year prior having an error of how their company was listed in the insurance side that they couldn't manage to call the insurer until I was on a 3 way call with all parties. Now Round Point has managed to over draft my escrow account by paying for the premium twice, rather then doing, as promised over the phone by representative XXXX, paying the difference between the already sent payment and the current premium. So now to fix their XXXX up they want me to come down to their office, take time out of my schedule, and pay the difference to them. Do they want me to pick up their kids from daycare while I am on the way? When a company or individual screws up, they take responsibility and fix it, they don't make the customer fix the problem over and over and over again. You are a servicing company, you provide a service, if you don't do this then there is no point in your existence. Round Point will not fix Round Point 's XXXX up not me. They will have to put for effort ( this means work ) to fix this, I will not. I am done doing your work. I will continue to file complaints until your error is fixed by you Round Point.
XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  v. XXXX  XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  DEAR Creditors : Recently, I received a correspondence from XXXX  Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) HSBC XXXX XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX  cc : XXXX  Settlement Class Counsel XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX, VA XXXX
XXXX XXXX, XXXX or XXXX has n't updated my credit report with my new address and phone number. I want XXXX XXXX, XXXX and XXXX to update my credit report and public records with my new address and phone number which is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX. I want a statement added to my credit report. I want the statement to read the following : Before creditors issue any credit in my name, they must call and verify it with me at : XXXX
I disputed several items on my credit report with Equifax. The items are not mine. Equifax never sent the results of my disputes. They sent me a letter listing several inquiries that they stated they disputed and that they updated my address. I never disputed the inquires or my address information. Equifax ignored the disputes that I sent. It has been 60 days since my disputes on the Erroneous, inaccurate accounts.
XXXX  XXXX XXXX has multiple balance increases in a row on my XXXX  and XXXX  credit reports that need to be removed, as my credit score has plummeted because of it. I contacted XXXX XXXX XXXX   and they said this never should have happened but those ticks against me are still there!
I am a widow, unemployed and XXXX. My husband died 4 years ago and left me a mobile home where I am presently residing. Our mortgage company is CITI MORTGAGE. 
We are paying this company for over 20 years and still have a balance of {$62000.00} dollars, with interest of 7.76 %. 
Two months after his death, I called CITI if my husband 's loan is being paid off thru insurance. They said he got no insurance and that the wife is responsible for paying his loan. They told me to send his Death Certificate and some other papers so they can change his name and put my name on it. I refused. 
Right now I 'm having a hard time to support my XXXX adopted children, XXXX in college. Please help me solved my problem with this gigantic company where I have no voice and money to fight them. 
I thought Mobile Home is cheaper than a real house, but since I married my husband, he got a balance of {$79000.00}. I have no idea why this house is very expensive. 
Second concerns of mine is SEARS CREDIT CARD. 
Even though I am so poor, I always pay my bills on time. I do have a good credit. Last week I happened to read the article regarding your willingness to help us and believe me or not, the article lifted my spirit, hoping that maybe you are answer to my prayers. 
Sears charged me 25.24 % on interest and plus account care program which I pay {$65.00} monthly.Before I charged my purchases to them, I told them to cancel account care and they told me, they do n't use it anymore so I thought that there will be no charges. 
Account care is a ripped off, they said they will pay my bills if I become unemployed and disabled. I have XXXX. Anything you can help me is greatly appreciated. Thank you very much. 
XXXX
On XXXX XXXX, 2015 I had a disagreement with XXXX XXXX XXXX. I called my credit card issuer Bank of America and informed them of the issue and that I would refuse to pay the charge. I received a letter the last of XXXX to the effect that BofA decided to accept the charges from XXXX. I believe this was a scam on XXXX 's part and BofA had no business making such decision. BofA has since been sending me bills adding fines and interest charges. I refuse to be intimidated and refuse to pay said charges.
The original debtor XXXX claims that I owe on a past electric bill while living in XXXX back in XX/XX/2012. I explained to the original creditor as well as the current debt collector that I have not ever lived in XXXX, and to provide me proof that I owe a debt. That is, to show me, any past checks, and/or receipts paid to this account. I have not received anything from neither creditor, yet they are claiming I owe {$250.00}. This is not my debt. Furthermore, the company named in this complaint has had several complaints filed against them for unethical business practices.
Enhanced Recovery keeps billing for an old XXXX account that was discharged with a bankruptcy. XXXX used XXXX collection agencies, the other XXXX removed the information from my credit report after receiving my letters - Enhanced Recovery has not. I am attaching letter I sent to XXXX and to Enhanced Recovery requesting they remove this negative collections information from all XXXX credit bureaus. I have also made numerous, numerous phone calls both to XXXX and to Enhanced Recovery and I 'm always told the account will be removed from my credit report but it never gets done. Enhanced Recovery has violated the law by continuing to report this debt. I think the account # is XXXX ; however, Enhanced Recovery is using a different number that begins with XXXX.
I am sending another complain because i am becoming extremely concerned about some misinformation that is reporting on my credit report. I have been waiting more than 6o days, I have sent a second complaint and I have disputed this companies response and yet I still do not have a proper resolution to some incorrect reporting on my credit report. 

Transunion is reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting and this process is taking so long that it has left me financial paralyzed. 
1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with Transunion and properly verify this misinformation immediately. 
2. XXXX is the SAME. For some reason they are reporting the account as PAST DUE and it has NEVER been late. I would like a full investigation with the help of the CFPB in order to validate and verify all information legally and properly. 
3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 
4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeatedly asked them to stop sending me generic and uneducated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately because you are ILLEGALLY reporting it! 

*************************************************************************************I will say this again and again. I will not take ANOTHER generic response as a form of validation of my disputes. You are clearly IGNORING me and have messed with the wrong consumer Transunion. I hope the CFPB can see you for who you are, a fake company in the pockets of ally of these companies who pay you hundreds and thousands of dollars a month to ruin peoples lives! Correct these XXXX items immediately, I will not stand for your lack of proof, investigation and evidence. That is not a proper reinvestigation BY ANY TERMS!
I have been trying to get XXXX  to change my credit report accounts that are NOT mine due to identity theft and data breaches, my aliases, addresses I have never lived at, and other SSN 's that do not belong to me since XX/XX/2018. I have sent them my information on five separate occasions and because THEY are spelling my name wrong, the information ( Driver 's License, Social Security Card, Police Report, FTC Report ) NONE of this sensitive information is going into my file. It is being filed as, " There is no credit report on this person ''.

I want them to CHANGE MY NAME ON MY CREDIT REPORT AND FIX ALL FRAUDULENT ACCOUNTS
I have been an American Express customer since 2007. Today I was notified that a credit limit was placed on an otherwise unlimited account. 

I have not missed any payments and nothing has changed financially for me. 

Working for a XXXX, it is important that I actively manage my account. Additionally, I am up to date with institutions misrepresenting and misleading consumers. 

I contacted AMEX and they said they made the determination based on a credit bureau. I find this hard to believe since my credit score has been improving and consider very good. 

AMEX has damaged me and my reputation.
TransUnion, XXXX and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
I'm having problems mainly with Bank of America. The issue is that there were back payments owed to me through XXXX XXXX XXXX XXXX that I had difficulty getting.

When it was finally resolved, {$790.00} was put on a debit card that was issued by Bank of America apparently in XX/XX/XXXX that I did not know existed or receive in the mail, and can not gather any information or access to this account from Bank of America. However the most recent claim of {$290.00} was sent XX/XX/XXXX by direct deposit to my regular checking account at Bank of America as I had requested. 

My issue is that the soonest that I could get a new debit card sent is this Friday the XX/XX/XXXX, which is coincidentally the same day that my next car payment is due at XXXX XXXX XXXX and has already lapsed once while I was trying to get the XXXX claim processed. 

I can't rely on the card to arrive at the address on time because it is my ex-girlfriend 's mom 's house and she has lost several credit cards that I had mailed to me before now and need the money transferred to my regular bank account, from the Bank of America account created for me by XXXX in XX/XX/XXXX. 

I was also having difficulty discussing eligibility of back payments from XXXX for XX/XX/XXXX because I couldn't get the claims processed and ended up returning to work before ever getting that resolved. 

I've run into every issue possible dealing with all of these agencies so any assistance here would be greatly appreciated. 

Thanks, XXXX
SLS loan servicing is the most unresponsive, irresponsible, unprofessional loan servicing company I have ever seen. I have been in communication trying to get relief for a hardship experienced early in 2016. It is as if they lose my paperwork every 29 days. This is my second complaint and their response to the last complaint was to write a bunch of jargon that basically said XXXX you, you ca n't do nothing about it. Unfortunately there 's not much protection for the consumer. HOW MANY COMPLAINTS DOES IT TAKE TO GET ACTION? In the month of XXXX there were XXXX complaints filed and the consumer basically had the same complaint in each of their cases. Is there anyone that regulates these scammers? I was unemployed for 6 weeks so I missed two payments and have been making payments on time since XXXX when I returned to work but was forced to sell my home because there is no help available to deal with the two payments missed in the spring. PLEASE HELP WITH THESE SCAMMERS. When you call, you get a new story which is basically just another stall tactic. SLS claims they have no history of any communication prior to XXXX XXXX, 2016. The attached supporting documents prove otherwise
I 'm   XXXX   XXXX   XXXX   for my  XXXX  degree and I have some loans that are subsidized from my  XXXX , so the interest should be paid while I 'm in school by the  US D epartment of Education. I pay the interest on unsubsidized portion of my loans so it wo n't be capitalized and added to my balance. The problem is, that when I make my payments there is no way for me to direct my payments just to my unsubsidized loans so my payments are directed to both my subsidized and unsubsidized loans and losing that benefit of interest being covered while I 'm in school. When I have called on several different occasions in  XXXX  and  XXXX    XXXX   to get a history of my payments and balances, I keep getting a the same answer, " We do n't have that '' just a history of payments that I have made. In a separate incident, I had a loan disperse on my graduate loan and paid a refund amount. When I asked for the a statement showing that refund payment, they again said " We do n't have that ''.
XX/XX/XXXX Called my cell phone from an unknown number. Didnt leave a message. Immediately called wifes phone.

XX/XX/XXXX was able to speak to someone other than dead air. Stated they were looking for my wife about a potential action against her. Called from an unknown number. Asked them for a phone number to contact them at. ( XXXX ) XXXX extension XXXX.
I signed a statement with every complaint stating that the information given is true to the best of my knowledge ; I believe it is a criminal offense to give false information. 
I believe that the subject of my complaint should be held to the same standard. 
In Case # XXXX, Select Portfolio Services flatly stated that there was no payoff to XXXX Mortgage included in my " modification '' ( actually cash out refinance ) that XXXX did. As the new servicer, SPS should have had full documentation of EVERYTHING, including the paying off of XXXX Mortgage. 
They ( SPS ) continued denying paying off XXXX until I sent proof from XXXX Mortgage, as well as proof that XXXX never communicated with XXXX as to the status of my account. 
Therefore, I would like to add this to my list of complaints : Select Portfolio Services gave you false information in response to my complaint.
In XX/XX/2015 I went to see my primary physician who was set to retire. According to the collection agency I owe for the visits but have a letter from my insurance provider it was paid to the hospital. During this time I was also made aware all my sensitive information was hacked from XXXX including my social and medical records. The doctor I saw no longer works for XXXX XXXX which I believe is making this problem harder to solve. 

Over the last 3 weeks I have called the collection agency and sent them documents with no response. Orginally I called in saying I had proof of paymeny and they didnt want to except it. I had to ask for a supervisor and get a run around before a WRONG EMAIL was given to me. I had to call back go through the same hassle and ended up with still no response from them.
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX, XXXX, FL XXXX
Navient offered me a crazy deal to lower my payments but didnt tell me that this deal that would help me would really cause me to never pay off the principle but only pay interest for the rest of my life. XXXX XXXX was also cheating me. I have paid off many loans in my lifetime and have never dealt with anything as illegal as this situation. Please help me. I have simply stopped paying them. I had consistently paid them {$30000.00} of a {$50000.00} loan but the balance remains at {$50000.00}.
Have had the same problems they would n't help us and kept adding on the interest. I am XXXX and kept telling them this ' is a fixed income plus they put in default. Not cool
XXXX XXXX for ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( formerly XXXX XXXX ) are listing my accounts as Charge Offs when these should have been discharged in Chapter XXXX Bankruptcy on XXXX/XXXX/2015. They need to correct all XXXX CRAS.
We fell a little behind last year from a financial hardship, we applied for a loan modification with 360 Mortgage ( servicer of our VA loan ), as we were in the process we were impacted by Hurricane Irma and placed into a forbearance to offer relief. 

After the forbearance ( most other mortgage servicers assisted with disaster modifications by placing the payments in the loan ) but 360 Mortgage did not but forced us to apply as a normal loan modification application. 

My initial application was sent in on XX/XX/XXXX ( it takes 360 mortgage 7 to 10 days to receive and review a document and let you know if it is all they need or to send something else in ) other servicers like XXXX XXXX do this within 24 hours. So then I followed up and on XX/XX/XXXX the requested more documents and I sent in 30 additional pages. Then I followed up and on XX/XX/XXXX I sent in 14 more pages and though surely this be a complete package so my application can go to underwriting and they can place the foreclosure on hold to not violate the dua tracking restriction. 

I kept following up and on XX/XX/XXXX they need more so I send in 45 additional pages thinking this has to be it since what they claimed was above what was asked for before. 

I follow up and on XX/XX/XXXX they need more which they did not ask for before so I send in 45 more pages 360 Mortgage is making the application process so strenuous with the intent of denying me the opportunity of having a complete package so per the CFPB guidelines my sale can be placed on hold while the review is conducted. 

I also received a debt validation letter from the foreclosure attorney on XX/XX/XXXX despite the fact there was already a foreclosure sale date set. I filed a dispute but to no avail as the attorney says their client ( 360 mortgage ) will not agree to stop the sale even though they are in the wrong. 
My VA representative and loan technicians supervisor stated they requested a post ponement from 360 mortgage but they refused to do it. 

This is a violation of many regulations and also violating the Fair Housing Act by refusing to accept and discriminating against my VA military XXXX as valid income even though I provided a valid VA XXXX award letter and 2 months bank statements showing the deposit into the bank. 

360 mortgage is doing nothing more than a bank does when they don't want to approve a mortgage, they just keep making up more and more requirements so it is impossible to get approved. 

My wife and I are XXXX US military veterans whose only income is from XXXX and have served this country. We would appreciate help by having this sale post poned so we can be reviewed for loss mitigation options.