WillisBack/dataset-financial-user-claim huggingface dataset:
Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. The amount owed on this account is something I should not be obligated to pay either. I was deliberately mislead by the representative who assisted me with opening up my XXXX account. He indicated to me that I was not under any contact but that he had to write an agreement for a set amount of months. He told me directly that there is no early termination fee and I am free to cancel if I am unhappy or just do not wish to continue service anymore. This did not turn out to be true. I cant help but feel a little cheated here because I specifically asked about this and I was mislead.

My family is dealing with a lot of problem lately, a XXXX XXXX, a mother that needs XXXX XXXX and a landlord that do not want to renew our lease. I want to purchase a new home for my family which can help them be in a comfortable state, the reason why I am currently trying to rebuild my credit, but this Agency is preventing me to do that for my family. We are in a very difficult situation and I'm trying to be strong for them.

To resolve the problem, I would appreciate if they can remove the negative reporting on my record.
Transunion is not following FCRA laws to dispute inaccurate personal information and an error on an account on my credit file.
Nationstar Mortgage Loss Drafts Department which refuses to release insurance claim proceeds. 
All checks received from XXXX insurance have been endorsed and sent to Nationstar Mortgage. As requested, all documentation required and listed in the Nationstar Loss Drafts Department package has been provided on timely manner and required inspection took place twice at our property. The second inspection was on XXXX XXXX, 2016 and repair has been approved for release all funds. The website says the funds have been released in 6 days. However Nationstar mortgage makes all possible way do not pay the money.
call me about twice a day and i have asked if they would take a lower payment amount and they said they will have to take the full amount and cant make payments
I am having this Lord & Taylor for years never missed a single payment on it I was the one who closed the account on my own, I keep on making my payments but my balance is just the same they charge me over 25 % APR this is not fair play, Please help me, Thank you
XX/XX/XXXX original date of service by XXXX XXXX My insurance provider at the time XXXX XXXX XXXX. Work performed " Normal XXXX '' covered 100 % by insurance.

XX/XX/XXXX was informed when wife went in for work I had a {$220.00} bill outstanding, never received any bills.

XX/XX/XXXX received collection notice for {$270.00}.

XX/XX/XXXX contacted Americollect to get original debtor information.

XX/XX/XXXX conatacted XXXX XXXX to see why outstanding balance. Was informed refused by insurance.XX/XX/XXXX contacted insurance provider. Was informed it was denied becasue they did not supply pre-treatment XXXX.XX/XX/XXXXcalled XXXX XXXX back informed them what had to be done and insurance would cover. They informed me they would resubmit.XX/XX/XXXX placed dispute with all three bureaus for this account.

XX/XX/XXXX pulled free credit report as we are looking for first home purchase.

XX/XX/XXXX Collection is still active.

XX/XX/XXXX called Americollect again, informed them it was in dispute. Refused to give me contact information for billing of original debtor, only name of business.XX/XX/XXXX conatcated XXXX XXXX a second time. Got same information as first " Denied by insurance ''. Informed them again how to get it paid.

XX/XX/XXXX Called XXXX XXXX, spoke to XXXX. He verified why it was denied and they need to resubmit, but have not done so. Had record of me contacting them first time.

XX/XX/XXXXcontacted XXXX XXXX  again told them to resubmit, verified with XXXX XXXX   and gave them date of first contact and they have done nothing. They had no record of my first contact in XX/XX/XXXX said they would resubmit. Spoke to a XXXX   who said she would resubmit. Asked to have it removed off report and collections since it is on there by their error and not mine, was denied. She said she did have the authority to do that. I asked who did and asked for supervisors name was only given first name ( XXXX ) no phone number.

XX/XX/XXXXcalled Americollect and informed them this account is in dispute she said she would make a note of it.

To date no action has been taken by collection agency or XXXX XXXX to solve the dispute filed with all three credit bureaus.
There are XXXX accounts on my credit report have morphed into XXXX. The XXXX original as late the XXXX collection accounts from the same people then the XXXX collections classified as late. Now I have XXXX late and XXXX collections from XXXX accounts. 
The original account was opened in XX/XX/XXXX with a CC processer. The original contract was for 3 yrs I closed it 51/2 yrs later. The XXXX contract was with the same processer ( unbeknown to me ( during that time I continued to pay the monthly {$10.00} statement fee ) ) This account was opened in XX/XX/XXXX. I then realized that it was the same outfit. The same company solicited my business then charged me a termination fee. 
I never signed personally for XX/XX/XXXX contract yet they have charged me. Only my XXXX # appears on the contract not my SS #. ( copy uploaded ). 
The same company has used at least XXXX different names, XXXX XXXX XXXX, XXXX XXXX, XXXX and First Payment systems. 
On my credit report, the charges are listed as a XXXX. There was never any line of credit between myself and these parties. 
XXXX XXXX XXXX
I had applied to Wells Fargo for a refinance of my current mortgage, held by Wells Fargo. I have been in my home for 15 years and am current on my payments. I was very open about my situation, XXXX years old, XXXX veteran, looking at retirement soon, I have lost XXXX jobs in the past 10 years due to our economy and am very much trying to keep my home and prepare as best I can for retirement. 

I have been working with XXXX XXXX XXXX of a local Wells Fargo branch, and we were on the verge of setting a date for the refinance closing. I received and email from XXXX stating that Wells Fargo had told him that the VA had just changed their guidelines and that as I had been late in one payment that they, the VA, would not authorize a refinance of my mortgage. I called the VA directly and spoke with a young lady named XXXX. XXXX was not aware of this restriction and explicitly stated that the VA wanted to help veterans keep their homes and be in the best financial position possible. When I informed various people of my conversation with the VA, Wells Fargo changed their reason for not being able to refinance my mortgage due to requirements imposed upon them by the Consumer Finance Protection Bureau. Like many Americans I am basically living week by week and the savings I would realize by being granted a refinance would be extremely meaningful. My local Wells Fargo rep would like to move along with the refinance, but Wells Fargo Corporate is telling him he can not. I have spoken/communicated with the following Wells Fargo staff : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

During the course of various conversations I have inferred that if I did not make payments for 3 months or more that there were Government Programs I could take advantage of. I do not want to get behind in my payments, I would just like to get some relief thru a refinance at a lower rate.
I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI XXXX, Chapter XXXX Bankruptcy Discharged XXXX
I have returned items purchased on OldNavy.COM and paid for with the OldNavy Credit Card back in XXXX XXXX. It is now XXXX of XXXX and I am still being charged for the items purchased and returned and authorized to return by their company. I have contacted OldNavy multiple times to no avail and bad customer service, to escalating this to opening a dispute with the OldNavy Credit Card, to no avail. I am still being charged interest, late fees ( now ), and the balance for items return of about {$120.00} more than 6 months ago. They are stealing from me and going to damage my perfect credit if they do not fix this once and for all. I have called both the company and credit card issuer multiple times, and sent in documentation MULTIPLE TIMES to recieve notices in the mail that they closed the dispute or made a mistake and reopened the dispute. Then the website warehouse claims to not have received my return, but then they said they returned my return to me after authorizing it an acceptable return, and I have no package and no items and I 'm still paying for this horrendous experience. Please get my money refunded and place this company on a watch list. This is over SIX MONTHS and 22 phone calls and being treated like GARBAGE by their employees.
XXXX XXXX XXXX reported that between XX/XX/XXXX and XX/XX/XXXX I did not pay my mortgage and increased my balance by {$2700.00} to {$310000.00}. I called their number XXXX on XX/XX/XXXX and was told my balance was {$310000.00}. I have not been late as its on autopay and yet they have incorrectly reported to TransUnion that I was late. This has caused my credit history to take a hit and my score dropped 102 points. XXXX XXXX XXXX has incorrectly reported that I was late and they should be help accountable for it.
During this loan modification attempt, DiTech had repeatedly asked for a XXXX form in several different ways on a dozen different occasions. We provided this to them within a days time each time. This, in turn, flagged the IRS and we had to order a verification of non-filing directly from the IRS which of course took forever. There were times when I called to get updates on this application and representatives had not even seen any supporting package documents. DiTech then turned around and said that they closed the mod due to time lapsing. We had been advised this a week before the clients sale date.
Bank of America Appeals Department GRANTED Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) and directed the Bank of America Underwriting Department to forward borrower to MHA HAMP Trial Payment Plan ( TPP ) on XXXX XXXX, XXXX on a escalated case requested by me, but never ordered me, the borrower, a MHA HAMP TPP on or after a MHA HAMP was approved based on my XXXX XXXX Request for mortgage Assistance ( RMA ) complete package was received and an initial evaluation was conducted in XXXX XXXX resulting in a MHA HAMP denial on XXXX XXXX, XXXX that was timely appealed in XXXX XXXX for which a written determination was never issued by the Bank of America Appeals Department to the borrower. However, the Bank of America Underwriting Department issued several written correspondence to me, the borrower, stating MHA HAMP was denied on appeal after the Bank of America Appeals Department granted MHA HAMP. Bank of America and their representatives have made knowingly false statements by representing to me material facts related to my home loan mortgage account during the modification and loss mitigation processes and are guilty of the following in violation of RESPA enforced by Regulation X, MHA HAMP Guidelines, California Civil Code 2920 through 2944.10, California Code of Civil Procedure 2015.5, and their duty owed to me as a disstressed borrower who was proactive at a time when it was clear I would not be able to continue to pay the then monthly installment amount per the XXXX Deed of Trust : Poor and Deceptive Practices ; Modification Fraud ; Mortgage Fraud ; Foreclosure Fraud ; Intentional Infliction of Emotional Disstress, and ; Negligent Emotional Disstress. 
Also, as a matter of law, regulations, and guidelines I am still considered pending in the modification and loss mitigation processes and no negative credit reporting is to occur. Specifically, the bank, the servicer, and their representatives are not to assess late fees or report a late or missed payment while workout assistance is pending and are to make any required fee adjustments and credit reporting corrections upon completion of the modification and loss mitigation processes. This has not been the case in this instance and not because Bank of America believe that I am currently pending in the modification and loss mitigation processes.
My VA loan was sold to Freedom Mortgage in XX/XX/XXXX. In XX/XX/XXXX my taxes were due and Freedom Mortgage did not pay them. It is their policy that they analyze the escrow account within 60 days of receiving the loan and they did not. I called them in XX/XX/XXXX to let them know I paid the tax bill and never received an escrow analysis. They submitted the request and said it would take up to 30 days to analyze. I called after 30 days and nothing had been done. A supervisor put in a request to escalate the situation and contact me within 24 hours. No one contacted me. I called back a week later and again they are submitting the request and it could take another week. I've been told this over and over. They are holding way too much in my account, more than the 2 month cushion and are not following through on their promise to analyze my escrow account. It takes between 20-30 minutes every time I call them and to have no resolution is frustrating.
XXXX XXXX XXXX are attempting to collect a XX/XX/XXXX judgment that was XXXX in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.
On XX/XX/XXXX I mailed approximately 5-6 different checks to Navient to pay off all of my student loans. I had refinanced my house to do so. The checks were received and applied on XX/XX/XXXX. My XXXX XXXX XXXX loans were not paid off since it 's someone different. With me making all payments to Navient in the past I was under the impression that all the checks would be sent to the same place. Upon further investigation it was brought to my attention that they shorted one of the checks {$600.00}. Upon talking to Navient and they put the request in. One for sending the overage to the XXXX XXXX XXXX to pay them off, and the second one, to also apply the {$600.00} they shorted to my account. Since these request can take at least 12 days to go through my XXXX XXXX XXXX loans are going to continue to accrue interest with a late payment. I should have been receiving a check back from them in the amount of {$100.00}. I feel that Navient takes advantage of people and this mess up really is uncalled for taking 12 days minimum.
Attempted to sent money via XXXX to our son via online ; XXXX  held our money for 30 days and then cancelled the transaction and said we could not send money via online anymore ; we send money to our son once a month, {$40.00} at a time, and now we are banned because flagged as fraud ; then we have to deal with third world customer service, who we can not understand over the phone, finally today over a month later were told the transaction would be cancelled and we would be refunded our money .... we'll see.
I get a medical bills on my credit report who was paid by my insurance and still showing with a balance due.Now I received harassment calls from a collection agency with treated. I do n't have any knowledge of this until received this calls.
I tried to get my free report today. I could n't remember if I had opened up a new credit card in 2011, so they said I could n't verify my identity. I tried again tonight and was denied access this time they claimed I had already accessed all XXXX and they wanted me to pay {$9.00} for each. When I tried to complain on the site 's complaint form it kept rejecting it saying my typed paragraph was invalid. I was just given the run around unless I wanted to pay money. Very misleading & disappointing.
XXXX  My Mortgage was refinanced by Wells Fargo Home Mortgage five years ago.
XXXX.  I make my payments at the bank branch which was opened close to my home.
XXXX  The bank receives the payment but sometimes the payments are not applied immediately to my mortgage account.  
XXXX  My bank on which my check is drawn pays Wells Fargo Home Mortgage the check on the same day that it is presented.
XXXX  Although the Mortgage Note states that I can pay by the XXXX of the month without incurring late charges, I have multiple late charges posted to my account;  even though I have made only XXXX late payment.
 XXXX.  One month I could not make payment at the regular scheduled time.  Payment was made XXXX of that month.
XXXX  I have asked Wells Fargo Home Mortgage to waive the late charges that were caused due to their banking system's posting of my payments.
XXXX.  I have through several telephone calls requested that the late fees be waived.
I want to also state that the paper on which Wells Fargo Bank prints its receipt for payments received is either light or heat sensitive because after time has elapsed, the ink fades.  This affects how the customer can validate the statement which shows the bank being in receipt of the funds, but said funds not posted to the mortgage account.  Hence incurring late fees unnecessarily.
On XXXX XXXX, 2015 I wired my mortgage payment of {$5600.00} with XXXX Reference number # XXXX. Ocwen refused to accept my wired mortgage payment of {$5600.00} and wired it back to me on XXXX XXXX, 2015. 

I spoke to a representative before wiring the mortgage payment and she had advised me to wire {$5600.00} to avoid my account becoming blocked and going into foreclosure. Ocwen representatives have given me wrong information regarding my account and the sending of my mortgage payment in several occasions. 

Because Ocwen has returned my mortgage payment back to me, I have fallen behind on my mortgage payments. Ocwen has intentionally made it difficult to reinstate my mortgage back to a current status. Ocwen is demanding {$13000.00} currently to reinstate my account, due to their fault of returning my two mortgage payments back to me. 

Ocwen has done this intentionally so they may foreclose on my property.
I went online at XXXX XXXX to check out some information on a refinance loan. The next day they called me and took some info I asked them not to run a hard credit check. Apparently they did and could not get any of my scores I talked to them for no more then five minutes and received no info on a loan. All that happened was a hard search is now all on three credit agencies I called to have them removed ( I was on hold for a total of 2 1/2 hrs ) between the three and neither would remove this one hard search. Not to mention how rude they were. I just want it removed. I didn't ask for the search and didn't get it even if I did. Nobody should b treated the way these companies treated me. This was on XX/XX/XXXX at XXXX. XXXX XXXX called and I was on the phone asking for it to be removed till XXXX it took 10 min to appear on XXXX XXXX  and now it might be there for 2yrs, a five min mistake. please help. P.S. my credit isn't bad I just want to keep it that way.
XXXX continued to bill me after I switched back to att. Their customer service agreed and told me it was taken care off but they still sent me to collections. I ended up paying the XXXX They claim I owed ( have prof they billed me for months after I switched my numbers back to att ). Ive spent hours on the phone with their customer service that is based in XXXX & got know where. Im sure others have experienced this from XXXX.
XXXX/XXXX/XXXX Transunion has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. Transunion also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. Thank You!
On XXXX XXXX, XXXX I cancelled this loan transaction under the Truth In Lending Act. M & T Bank and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.
I been trying to dispute with experian about the XXXX XXXX account. This account has been sold to XXXX XXXX collection agency and has written their tax off. XXXX XXXX already has collected the debt and is satisfy. Therefore I have no contract with them. This item need to be deleted. 
Thank you
In the month of XX/XX/XXXX, I, XXXX XXXX, mailed in a check to of {$15000.00}, On the check memo I specified " principal balance '', I also made sure to mail to the corresponding PO BOX that was provided to me via customer service. I had been speaking to customer service about doing this weeks prior to avoid my funds being misapplied. It has been two weeks and I am still with customer service trying to have this misapplied credit be corrected. My funds are still being misapplied and this action needs to be corrected immediately. The funds were divided within monthly payment instead of my funds being applied to Principal Balance, although identified numerous times. I am getting the run around and this is time sensitive.
I opened an business account with US Bank. It is a debit card, so I thought I would not be allowed to overdraw money. But it does allow overdraft, and then charge {$36.00} for each purchase over {$15.00}. So within a week, I was charged XXXX {$36.00} penalty fees and an extra {$25.00} extended overdraft fee, altogether {$160.00}, on XXXX purchases totaling {$160.00}. They waived XXXX penalty fees of {$51.00}, but still, is n't this robbery?
On XXXX XXXX XXXX Telecheck took a return payment that was coming to me from XXXX. The amount is {$490.00}. The case number for Telecheck is XXXX. Telecheck has admitted this was in error however provided no solution other than filing a claim which they stated could take up to 30 days. Telecheck is also reporting an issue with me as a consumer during this time which does not allow me to write or get checks cleared through merchants. Telecheck has confirmed this is there error. Telecheck stated they have attempted to refund these funds to a closed bank account and again have not offered a resolution. I have been without these funds since my refund processed through XXXX on XXXX XXXX XXXX. Hard to believe a compnay can withdraw funds without your consent and take up to 30 days to resolve their issue. Also the fact they are negatively reporting me as a negligent consumer should not be legal.