WillisBack/dataset-financial-user-claim huggingface dataset:
Texas Guranteed failed on many times to call back or even said I would qualify for a Hardship program income pay back, but rather that send me the appropriate work each and every time I tried to do a payment or even provide my checking account they would say well your repayment was never set up, ive signed multiple contracts and when they receive they say not received, im a single  parent XXXX XXXX working about 70 hours a week and then they go out and do this to me, I work hard for my money this isn't fair. now im danger of loosing my home and continue loosing a lot of things because of their negligence and disorder within the company, they claim to want to help but they want to destroy you and make sure you stay down. This is highway robbery
I submitted a dispute with Equifax regarding duplicate accounts on my credit report regarding the company XXXX. They are for the same account, however, one shows paid and the other shows unpaid but both are having a  negative affect on my credit score. I asked that both accounts be investigated to determine which should be reported. They updated the paid as being verified as of XX/XX/XXXX but did not investigate as requested the unpaid account. If the paid account has been verified, the unpaid duplicate account for XXXX needs to be removed as it was last verified XX/XX/XXXX. <P/>Also, I have requested that Equifax remove an account that is reporting on my credit report because it is medical debt. I have made at least 5 dispute request to get this item, XXXX XXXX, removed and have been unsuccessful. It is even listed as medical debt.
I paid off my Heloc on XXXX XXXX, 2016 and have not received my original note back. I received confirmation that the line is paid off and closed.
XXXX solicited me to switch from XXXX XXXX XXXX by making false statements that the XXXX would work 100 % on their network, which was not true : at the time, the XXXX would only work at reduced speeds on XXXX 's network.
In XX/XX/2009we sold our home in XXXX Ca.  The mortgage company said they would give us a no interest loan for the difference in the selling price of our home.  We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time.  Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency.  The money amount on the Promissory notice is different from the written amount.  The payment for the note was $1250.00.  I paid $50,000 on this note for my mortgage at XXXX XXXX XXXX  Then I lost my job after 34 years.  XX/XX/went out of business in the real estate scandals that went on inXX/XX/2009  They sold the note to XXXXl, I contacted them in XX/XX/2012and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer.  I went to an attorney and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with XX/XX/XXXX in 2016 they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations.  My husband was employed throughout this fiasco, I ask XX/XX/XXXX on several occasions to take this to court so we could deal with it legally, they choose not to do it.  I believe it's because they knew this was an unenforceable agreement.  I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XX/XX/XXXX credit it is stopping us from purchasing it.  I have written to the Credit Bureaus disputing this account and they will not remove it because XX/XX/XXXXl keeps saying it’s a debt owed to them.  Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.
We have filed a complaint against our mortgage company twice on this website. The first time we got no response from anyone! This time we received a response from the President 's office of our mortgage company. To date, they have put us off twice already saying they are " researching our file ''. We have an attorney and have sent the required paperwork XXXX times for help and assistance.Today we received a letter from PHH 's attorney saying they are recommending foreclosure. No help and NO acknowledgement from them. Now more money will be tacked onto our account for their gross errors for their attorneys fees and that doesnt ' even include ours!!!!!! This game has to stop!!!!!! They take our money and give us NO credit to our account for it or they send our payments back to us. They say they are sending paperwork to us but do n't. They called and offered to allow us to pay {$720.00} a month and a reduction in principle, we agreed, then they never sent paperwork to us. Now they are not following through with that offer. They promised paperwork after a forbearance plan, no paperwork arrived. This is a big game to them but it has to stop now!!! This Bureau source has been no help to us so we are moving on up the ladder. This is a horrible injustice to us and others like us and has to end now!!!
I was charged a debt of a little over {$5000.00} back in XX/XX/2015 by IQ Data International. The other party responsible on this debt paid the debt in full. They say they have no record of the payment.
On XX/XX/2018 XXXX re-inserted previously deleted items from XXXX XXXX without 5 days motions of re-insertion. Ive sent them letters two times but they just ignored it. Also Equifax on XX/XX/2018 really-inserted items from XXXX XXXX without 5 days re-insertion notice. Sent them 2 letters - to remove it immediately- they just ignored it.
In XXXX or XX/XX/2017 I visited XXXX XXXX XXXX   XXXX in XXXX, CO. I had work done including an XXXX on a small XXXX. I had asked the office to pre-authorize the work. 6 months later I received a bill that there was an unpaid balance that was overdue, but it was the first communication from the office. 

While trying to discuss the information with the company they deferred it to : Offender : Amerassist Country : USA State :  Ohio City : XXXX Address : XXXX XXXX XXXX Phone : XXXX Site : arsolutions.com Since I have written documentation from XXXX XXXX XXXX XXXX that because of the situation they are going to simply write off the balance and to ignore invoicing. I have communicated this information to Amerassist and provided them with the written documentation. They refuse to close the account and continue attempts to collect money for no reason
Last Year on   X/XX/2016  I  hired   XXXX   also known as  XXXX  to do marketing for me. In  XXXX , Florida  XXXX  They said I had to have a different website they could not do marketing on my website. They were going to refund my money. Then they informed me that they could build my website. On   X/XX/2016  I  paid them {$1000.00} with  XXXX  and   XXXX   XXXX  . They did not refund my {$230.00} they said they would build SEO into my website.
O n  X/XX/2016  the y finished the website. I paid the balance {$1000.00}. At first I looked at the website and I thought it looked good. Then I started working with the website and it was broken, they also told me I could change my website to any of the options of the Wordpress template. I could not. I could only have revolving photos that looked like video, and the thumbnail photos on the gallery pages if you click on them they would enlarge, however they would not go back to small you would have to click out of the website. I tried to change not and then they said I could not change it. When they made the website they talked to me all of the time and then after it was finished there was no customer service. They would not answer me. One person sold me the site another person  XXXX  made the site with me and then there was another person I was supposed to communicate with who never answered me. After trying for 2 months with incompetent customer service and a broken website. I said I am out of this website. The man I was talking to said he was sorry for all of the issues. I went bak to my old website. I then disputed all of the charges with   XXXX   XXXX   and  XXXX  ( they had  XXXX  ) So   XXXX    and   XXXX   XXXX   had to agree to refund my money. They refunded all of my money.
Last week I received letters from a collection agency : Advantage Recovery Grou p,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL.  XXXX  (  XXXX  )  XXXX . (   XXXX   )  XXXX    They said that it does not matter that my money was refunded from   XXXX   XXXX  , that means nothing and they will not call   XXXX   XXXX  . They said that is the same as calling the police. ( If something happens I call the police not in this instance ) .  XXXX   XXXX   the man at Advantage Recovery Group said my dispute is the same as not paying. They will tell the credit bureaus and it will be on my credit report if I do not pay for the scam website. {$2000.00}. For that amount of money I should have great customer service and a website that worked. They are sending me the contract that I signed, plus other communication with   XXXX   the website and the customer service should be good and it was horrible.
first not able to call since tty not able talk to a computer so fix it with credit bureau not possible -- was on  XXXX  and answered all id verify questions right but transunion says not able verify id and must mail in all kinds personal documents - should not have to mail all kinds personal info documents and take risk of mail delivering to some other people cross town and yes post office makes wrong delivery a habit -- who knows what the wrong address delivered people will do with my social security number and stuff
American Credit Acceptance repossessed vehicle XXXX/XXXX/XXXX ; loan was current. Video recording of automated system. Demanded repo fees and late fees w/o 10 day discretionary notice ( informed them they were not entitled ). Made fraudulent entries in account payment history to reverse repo fees ( demanded monies be returned to me ). Recovery agent demanded add'l {$370.00} to release vehicle. XXXX XXXX XXXX XXXX XXXX packed purchase price of loan & added {$1500.00} cash down payment to purchase price of vehicle. Credit report indicates " pays as agreed '' ; another agency has a 60 day delinquent entry ( 2 months prior entry states payment on time ) next month reported 30 days delinquent. Simple Interest Loan ; several payments of {$280.00} applied {$20.00} to principal or {$0.00} to principal. As of XXXX XXXX total payments $ XXXX/Interest posted $ XXXX/Principal posted {$1100.00}.
Due to my XXXX not correctly applying two payments to XXXX in the amount of XXXX and XXXX ( which have yet to be found ) my credit score has dropped significantly. XXXX sent the funds to XXXX which does not own the card any more. XXXX ca n't find the funds as well.
I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.
XXXX has send a copy of a contract that I have with speedy cash. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that XXXX provide an agreement with speedy cash that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
I initially took out a {$600.00} personal loan with the online company named Spot Loan. I defaulted on the loan, and I began getting harassing phone calls from numerous identified phone numbers with all of my personal information. I contacted Spot Loan to find out what the situation with my loan was. They informed me that they had sold my loan to a third party debt collector. When I asked to whom they sold it to, they vaguely gave me a name of a company called XXXX and the phone number XXXX. They still to this day have n't given me a mailing address. When I called the XXXX number, there is a recorded message saying to leave my name, number and loan information and someone will return my call. I received a call from numerous out of state phone numbers, XXXX lady claimed to be calling me back from XXXX. She said they sold my loan to a company called XXXX XXXX XXXX phone number XXXX. I called that number and I was told my loan was sold to XXXX XXXX XXXX at XXXX. I called that number and it was a recorded message about taking a travel survey. So basically, I was at a dead end with no answers In the mean time, I was receiving harassing phone calls from XXXX and XXXX claiming to be calling me from a company called XXXX. ( XXXX ). I XXXX all of these companies and none of them are legitimate debt collectors. These calls from XXXX. were threatening to serve me papers, and they were telling me that I would be going to court for check fraud. I told them to serve me then, and that I knew by law that they had 5 days to send me verification of the debt by mail. They refused and we 're demanding my bank account information for a payment. I refused. I understand that I have an outstanding debt, but nothing about this is the legal way of collecting it. This company Spot Loan obviously sold my personal information to a scam third party for whatever profit they could. They should be held accountable, and if they supposedly sold this loan legitimately, they should be able to provide more information to whom ... .most importantly a business address for the company that they sold it to.
Capital One sends me mailers seemingly every week trying to get me to apply for one of their cards. I finally decide to apply for one and then I get denied! My credit rating is over XXXX so I 'm not sure why I was denied but I believe it hurts my credit. Capital One should stop sending offers to people who they deem ineligible.
On Wednesday XX/XX/XXXX, XXXX XXXX mis-charged my account {$440.00}. They were willing to help but explained the refund would take 7-10 business days to show on my account. They advised me to call my bank so they could expedite the process. Called BOA and waited for a rep for 47 minutes before an answer by the claims department. This employee told me there was nothing she could do for my account at the time. After going back and forth for 15 minutes, she transferred me to customer service. I explained my story to the CS rep who, once I finished, full-bellied LAUGHED at me. Said he did n't know why I would have been transferred to him. He sought out a supervisor who said she would call XXXX on my behalf and call me back. She never returned my call. On Thursday, XX/XX/XXXX, I called BOA again and spoke with a XXXX in CS. After 14 minutes on hold waiting for an answer, she was able to add a temporary " memo credit '' to my account. On Saturday, XX/XX/XXXX, the " memo credit '' expired but I was not notified this would occur and received an e-mail on Sunday XX/XX/XXXX that my account balance fell below {$25.00}. Called BOA again, waited on hold about XXXX minutes before speaking with a CS rep who told me she could n't help me and would need to transfer me to claims. After about 40 minutes on the phone with claims, they forced me to open a claim when all I wanted was for someone to put another credit on my account until XXXX finished their refund. Claims rep told me to check my account Monday XX/XX/XXXX for the claims credit. Come Monday XX/XX/XXXX there is still no credit on my account from BOA or XXXX. I call BOA AGAIN. 47 minutes waiting for an answer and an hour on the phone with a CS rep I finally get a supervisor named XXXX who puts another memo credit on my account and assures me she will keep on an eye on my account until everything is righted. On Tuesday, XXXX, XXXX 's refund and the claims credit posts to my account. I now have XXXX credits on my account. Wednesday XX/XX/XXXX the second memo credit expires. On Thursday, XX/XX/XXXX the claims credit is removed from my account and now I only have the refund from XXXX, which is all that should be there. Thursday XX/XX/XXXX, BOA has deducted ANOTHER {$480.00} from my account. I spent 2 hours and 37 minutes on the phone with a claims rep and a claims account manager who both insist that this is my fault and everything on their end is correct. I was meticulous in keeping records on my account during this entire process and am 100 % sure that BOA has taken an extra {$480.00} from account that they refuse to give back.
My annual free credit report from Equifax is unavailable online. 
Last year I was required to print and fill out a paper form and mail it, along with other documents containing my SSN and complete identification information, in order to receive my report. This year they have imposed the same requirement. The other credit reporting agencies do not require this. Why does Equifax? Are they choosing to put me at risk of identity theft in order to discourage me from requesting my report?
In early XXXX, Bank of America sent out two promotional balance offers. One was a 0 % interest rate balance transfer good through XX/XX/XXXX and the other was a 1.5 % balance transfer good through a certain date. I used the 0 % offer check for {$30000.00} to cover repair costs for a XX/XX/XXXX flood that is currently on my home equity line of credit. 

I accessed my online Bank of America account on XX/XX/XXXX to discover a {$1200.00} check transaction charge. After calling Bank of America 's customer service number, the agent explained that a 4 %, or {$1200.00}, transaction fee was assessed for this balance transfer. In order for Bank of America to reverse the 4 % transaction fee, I had to pay the {$30000.00} transfer back today, which I have done. I will have to call back tomorrow after the payment posts to ensure that the transaction fee is reversed. 

This offer is predatory and misleading to consumers. Most people who take advantage of these offers will not be able to pay back the loan immediately and are assessed a fee higher than the typical credit card transaction fee, which typically average 3 %. Please make sure that consumers are protected from false advertising on balance transfers.
Roundpoint have hired XXXX to communicate this information from a debate collector to be used to collect on something that we have requested that roundpoint provide us with validation and disclosure information this entity have refused on every level to lawfully provide documents
My ex-husband XXXX XXXX on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with US Bank. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to US Bank requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to US Bank and to XXXX to try to get this resolved and nothing has been done. XXXX sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with US Bank was. 
I greatly need help.
XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had   XXXX  c redit cards with  XXXX   XXXX   (   XXXX    was formerly  XXXX  ) and I had difficulty paying them in   XX/XX/XXXX - XX/XX/XXXX   and stopped paying them. Las t  XX/XX/XXXX , I  called  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid  XXXX   XXXX  and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.    XXXX   XXXX   XXXX   XXXX -  XXXX   accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX -They did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.
I have spoken with support online with Best Buy Credit Card services and over the phone to try and negotiate a lower interest rate as mine is 26 %. They have refused to help me in any way. I always make my payments on time and I have been a member of their credit card company for at least 6 years. I feel I deserve a change to have my interest rate lowered. I do n't feel valued at all.
On XX/XX/2018 I sent a certified letter to XXXX   disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that XXXX VALIDATE that said information was mine. I advised XXXX that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet XXXX still claims the BK Court has CERTIFIED the information is accurate. Advance Resolution Services INC. has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.
I asked them to no longer contact me at work on XX/XX/2016. Continued to receive call from them at work as of XX/XX/2016. I also asked them to provide written proof of debt, and they have failed to do so.