WillisBack/dataset-financial-user-claim huggingface dataset:
Experian is reporting an XXXX XXXX account with a balance of {$14000.00} on my credit report that does not belong to me and is result of a mixed file. I recently received my most up to credit report which shows that the address ID linked to the XXXX XXXX account is one that is not mine. I have one address on my credit report which is accurate and the address ID associated with this account does not match the address ID associated with the XXXX XXXX account. I have disputed this account before with Experian however they continue to respond stating " We have investigated the account and verified that it belongs to you ''.

Furthermore, I am unable to contact Experian by phone to express my concern regarding the address ID discrepancy because they are currently not allowing me through to their call center to speak to a customer service representative. So far I've called Experian 10 times at ( XXXX ) XXXX, each time when asked to put my social security number, zip code and address in I am redirected to another automated system which states " ..we are unable to process your request over the phone, please mail your request ... '' then the phone disconnects. This in and of itself is a violation of my consumer rights, according to the FCRA it states all consumers should have access to speak to a live person at consumer reporting agencies regarding their report.
I have attempted for over a year to get BB & T Mortgage to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden mental breakdown on XXXX XXXX, XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a skilled XXXX facility and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's mental breakdown my son spoke with our local BB & T who granted an extension for XXXX XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX XXXX XXXX XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written BB & T several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local BB & T manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that BB & T has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XXXX thru XXXX XXXX. Your help will be appreciated.
Recently, I disputed item XXXX XXXX with Experian based on a plethora of inaccuracies. Incredibly, Experian has verified that all information being reported is correct. Pursuant to FCRA 611 ( 7 ) I made a request to understand just how Experian was able to verify this incorrect information. Item was sent via XXXX Certified mail label XXXX and was delivered to Experian on XXXX XXXX, 2015. See XXXX. Experian has failed to respond to this request within the required 15 days.
Halsted Financial continued to make threats of suing me and harassing me by phone, in regards to an unpaid debt. I made an arrangement to pay the XXXX dollars on XXXX/XXXX/16 I scheduled for a payment of XXXX dollars to be drafted out my account and they charged a fee of an additional XXXX instead of just taking the XXXX out they took another unauthorized payment of XXXX on the same day. they called back and said our system made an error but the XXXX will be back in your account today, and it was never credited. They also said that they will send me emails discussing the settlement and whats owed and I never received the emails. They lied, harassed me, and went in my account without authorization. This company is horrible, and companies should have to pay for violating consumers rights!!!
I submitted my mortgage payment using my mortgage companies online bill pay system. The payment was made on XXXX XXXX, 2015. The bank account information I listed was, apparently, off by XXXX number and as a result it never went through. I discovered this today, XXXX XXXX, and contacted my mortgage company to inquire as to why the payment never went through. I was at this time advised that the account information entered was incorrect. I asked that since my original payment was submitted timely, and since the only reason for the issue with the payment was related to an error in account info, that they not report my husband and I to the credit agencies. I was told " too bad, we 're reporting you anyway ''. I never received a phone call, email, text message or notification via XXXX Mail stating that the payment could not be processed and therefore was unaware that payment had not gone through. I do not feel as though my husband and I should be penalized as a result of their inability to provide proper notification.
Chase Mortgage continues to apply additional principle payments to future loan payments. This illegally adds interest on principle that should have been paid off.
I have been contacting/attempting to contact XXXX XXXX of Trans-world Systems Inc. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is  allowed to speak to me. I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims XXXX returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.
I have tried to do everything we can to keep our home but seems those options are no longer a possibility. It seems that NATIONSTAR simple prefers to remove us from our home with a foreclosure or short sale. At the current market rate, NATIONSTAR will not benefit for any of these XXXX options, however I know that it will be at the best interest for NATIONSTAR to help us with the modification. 
According to Nationstar, the denial was based on that by the time the modification matured, there was a remaining balance due of {$99000.00} and due to the net property value. 
We do NOT want to lose our home and for this reason we are asking for NATIONSTAR to carefully re-review our finances and reconsider their decision. I know that with my income and my husband 's contribution income, we CAN afford our home, however we are only asking for NATIONSTAR to help us in reducing our mortgage payment. We want to stay in this home and our childrens home until our last breath however the only way we can do that is by making our mortgage more affordable within our means. 
We have also put on complaints letter thru NATIONSTAR 's CEO 's office in hopes that they will escalate my case within their office, as well as a filed complaint thru the Attorney General 's Office of the state of California and the Consumer Financial Protection Bureau. 
I hope that after NATIONSTAR re-reviews our finances more carefully, determines that the best option for them is to help us keep our home with a loan modification.
Received solicitation from Prosper to lend money to me. When I called they informed me that no one could speak XXXX ( my first language ). They also said all documents were in English therefore they could not do business with me. My husband asked if he could talk on my behalf and they refused saying they could only talk to me in English. My Husband spoke to a manager named XXXX who gave us a ticket number of XXXX for your information and files on XX/XX/18 at aprox. XXXX XXXX  EST. 

My husband is of the opinion that this amounts to de facto lending discrimination against XXXX. He urged me to complain to the CFPB. This company is in Arizona and apparently they can not find XXXX   speaking people there ( even though there are a multitude of XXXX  living in that area ) to work for them who can conduct business with XXXX. Perhaps they also discriminate in hiring practices too considering the high percentage of XXXX  speaking people living in Arizona.
My loan has been sold to Loan Care XX/XX/2016, I have called, emailed many times to make sure they have my tax info, I finally received a email stating they do n't pay the taxes on the house ( not sure why that have a escrow with XXXX $ and my loan docs have the escrow )? I called was on the phone for an hour, the man said he will expedite my tax records to the escrow dept. That was 4 days ago, and still no confirmation they have them and are going to handle this. I have never dealt with such a nightmare of a company. I need to make sure they have my taxes that I have sent multiple times and rest assure this will be paid in a timely manner. I really an terrified that they have me by the throat, they have my home.. If I would have know n this is what the future holds, I would have never refinanced.. I would have stayed with XXXX XXXX.
Amerisave Mortgage Corporation offered me a very attractive interest rate in XXXX for refinancing my mortgage. I went ahead and applied for the loan as they guaranteed rate lock for a period of 60 days. They asked me to pay {$420.00} for payment towards Appraisal immediately. As soon as I paid, appraisal was done within XXXX days from the application date. I also submitted online all the documents they requested. Then they sat on my application for almost two months. When I followed up, they said they were busy with too many applications and offered to extend rate lock since they were delaying it. They did extend but kept delaying it further and coming back and asking some document or other. Today they sent me a mail saying that rate lock expired and I will have to go for whatever rate exists now. On top of it they are also asking me to pay for appraisal again saying that my appraisal report expired. It looks like that they have no intention of approving my loan application despite having very good credit standing. Now the rates have gone up and I lost the opportunity of refinancing at a lower rate. I read online and understand now that they do this for many customers. So I want to lodge this complaint and request you to take it up with Amerisave Mortgage Corporation.
I applied for the card and was approved, however shortly after that my account was shut-down by the verification department and they requested I supply XXXX, copy of social security card, and state ID. I furnished those documents. The reps at the department re-opened my account however that was after the 90 days of account opening which I was not able to earn the XXXX bonus points offer. I meet the purchase requirements and I would the bank to steps in understanding the situation and correct this.
This is a continuance of a complaint filed by myself on XXXX/XXXX/XXXX Case # XXXX that subsequently removed from my credit report. This collection has been reported on my credit report as well and needs to be removed. Hopefully, this is the last of the bills that I have received that needs to be removed from by credit report via XXXX for the XXXX for an injury I received on XXXX/XXXX/XXXX via my employment with the XXXX
My lender, Discover, issues an email message to me monthly to notify me that my current statement is available to view. However, Discover did not notify me in XXXX regarding my statement for the payment due on XXXX XXXX, XXXX. In addition, Discover has not notified me or even created a statement for me for the payment that is supposed to be due on XXXX XXXX, XXXX. I typically make my monthly payment the date I receive notification that a statement is available, so I have incurred additional interest as a result of Discover 's recent procedures. In addition, from my understanding, these are Regulation Z violations. I called Discover and spoke with a customer service representative, but I have not received any assistance regarding this matter. My account number is XXXX.
On XXXX XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XXXX XXXX which took care of what I was past due prevously. I told him that I could go in on the XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.
Recently checked my credit report and noticed 3 debt items from Vance Huffman for XXXX XXXX totaling over {$9000.00}. Despite my address being accurately reported by all three credit reporting agencies, this company never sent me notification of the debt nor did they ever provide me with written notification of my right to dispute the debt and/or request validation and verification. Furthermore, this debt was previously held by XXXX XXXX XXXX which I disputed and the original creditor agreed that this was not my debt and removed it from all credit reports. This is the second time this debt has appeared on my credit reports under different names. Again, this is not my debt and the collection agency never informed me of the same nor allowed me my legal opportunity to dispute it.
The loan number XXXX for {$190.00} says we owe {$19000.00} and behind. According to XXXX XXXX Loans we owe for XXXX XXXX, XXXX subsequent monthly installments. We have an order form signed XXXX XXXX 2013 that Mortgage Lien of XXXX will be Wholly unsecured pursuant to XXXX XXXX XXXX, and upon proof of service as required by the Court, and a hearing on the Motion having been held on XXXX XXXX, 2013 to void and release concerning Mortgage lien to the Chapter XXXX. So please remove said amount and say it was taken care of through Chapter XXXX.
i visited hospital on XXXX/XXXX/2015 and at the time had a XXXX XXXX of California. now one year later i have receive a bill from colection name ARstrat for XXXX
I 'm currently in a repayment agreement with Midland Mortgage, when my home 's roof and ceiling suffered storm damage form XXXX. I was told by a representative of Midland to make the necessary repairs and the loan payment would be taken out of the insurance check. I was behind approximately 15 days because I make repair to my home to make it safe and livable. Midland received a check in the amount of {$6200.00} but Midland loss mitigation employee, XXXX, refused to apply any payments and cancelled my repayment plan and submitted my loan for foreclosure. When I spoke with XXXX, he had a very insensitive negative attitude. Considering the circumstances, his actions were very nasty!
On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX XXXX
I received a call both at work and on my personal number, they refused to provide verification that the debt was legitimate, and were very rude. They also did not inform me the call was an attempt to collect a debt or that the call was being recorded.
I XXXX contacted XXXX by certified letter in XX/XX/XXXX requesting debt validation including : Name of the original creditor, including account number. 
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
XXXX responded with a letter dated XX/XX/XXXX on company letterhead just stating that they are unable to determine the nature of my dispute and that they are closing the investigation. None of the information I requested was provided. I contacted XXXX as a final attempt by phone sometime around XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. 
Copy of the contract that states I promise to pay this back from the original creditor. 
I was told by XXXX 's collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections which he said was XX/XX/XXXX. I am confused by what he said. I am simply asking XXXX to provide me the information I requested to complete my validation.
I already started a dispute with the 3 agencies XXXX, XXXX  and Experian, and last one, insist that I got one missed payment with XXXX, I sent to all agencies the evidence and XXXX and XXXX  fix the error. Please help me with this situation because XXXX accepted the error too. How can is possible that Experian want to keep the incorrect information.
This debt is originally from XXXX healthcare. I have asked before healthcare multiple times to correctly verify the debt. I sent them a bulleted list of the information I need to validate the debt I wanted the payments made as well as each charge. They refused to do it. All they will do is send me statements with the balances. So it got sent to XXXX XXXX and they did not correctly validated either so they removed it. Now it is with Americollect. I sent them a letter stating that I need them to validate the debt and a bulleted list telling what I need according to the fair credit reporting act. They sent me back a letter it was actually very snotty basically saying we already validated which they had not. Maybe they were referring to when XXXX did it but again, XXXX never fully did. So, I had one account with this medical facility. They report each and every visit as a separate item on the collection records to make it look worse on your reports. I had one account. One billing account. They break it down just to get you even worse. They think that they can keep sending it to all these credit companies but again, no one has fully validated the debt. It doesnt matter how many collection agencies they send it to you I have a right to see the charges, dispute charges, compare to my insurance, etc. I also have a right to see each and every payment. They seem to think theyre above the law and refuse to give me that information. They want to just send me blanket statements and not actually address what I have asked of them. I have documentation of every letter I have sent and the bottom line is they are breaking the law.
I have had XXXX issues with Bank of America this month. First, there was a fraud case, which originated within Bank of America, in which an employee printed themselves a duplicate of my credit card and used it for large purchases. After the fraud was discovered, I had to follow up several times to get all the charges reversed. The second problem, which is ongoing, is that Bank of America lost my next payment - for {$400.00}. - paid on XXXX XXXX, 2015 as an online payment from my bank account. I have complained 3 times, and each time, they say it will be fixed shortly, but it is now 18 days since the payment went missing, and it is still not applied to my account, though each time they say they have found the payment in their system. The representative I spoke with today said that no action had been taken on it previously to fix it. The last representative I spoke with said that it was a problem affecting many people, and she had had many complaints about the same situation that very day. They also charged me late fees for the " missing payment, '' saying my account had not been paid on time. They also threatened to raise my interest rate as a result of the late payment. Please help me get my missing payment back from Bank of America and help me resolve this situation. Very frustrating!
Ocwen reported information wrong to the credit agencies and caused me to be rejected for my refinance transaction. The account was paid in full in 2010 and they have not reported a XXXX balance or payment history to XXXX. The lender is treating the account like a foreclosure. XXXX has called Ocwen and I have called Ocwen more than XXXX times and they tell us they will e-mail us the payment history and proof XXXX balance and they never do. Now I am unable to refinance even though my credit scores are above XXXX. I am being rejected due to Ocwen reporting incorrect information to XXXX and they have negelected there resposibility to provide me the borrower the payment history or even proof XXXX balance. They outright lie every time. From XXXX XXXX until XXXX XXXX they have told me I would receive documentation by e-mail within XXXX business days. I am still waiting.
My original loan disbursement in XX/XX/XXXX held a balance of roughly {$36000.00}. I have paid roughly {$46000.00} back on this student loan. My repayment balance today is roughly {$49000.00}. Navient customer service explains that this is due to interest rate accrual ... I was a given a couple of short no-interest accrual forbearance periods, however, I have paid consistently since XX/XX/XXXX, and with my re-payment amount currently at {$46000.00} it simply does not add-up that I can owe {$49000.00} today.