WillisBack/dataset-financial-user-claim huggingface dataset:
My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks  even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX
I called this company on XXXX XXXX, 2017 at approximately XXXX ( EST ). The first representative I spoke with was XXXX XXXX. The phone call lasted for XXXX minutes and 3 seconds. He furnished some of the information regarding the medical debts his company had come to own but did not provide enough information for me to be able to understand exactly where and when the debt was coming from. There were multiple accounts and the dates seemed different than what my records indicated. I was trying to ask questions about the debt and questions about how to pay the debt. I insisted that I was willing to pay the debt. I was XXXX. I was not yelling or using any profane or derogatory or defamatory type language toward XXXX. He indicated that he was ending the call and hung up. I called back and XXXX happened to answer the phone this time as well ; I asked to be transferred to a manager. I spoke with XXXX XXXX. XXXX XXXX was able to more clearly tell me where the debt originated from. During our conversation, I agreed to pay a lump sum over {$600.00} to resolve the debt and have it deleted from the XXXX reporting bureaus, XXXX, XXXX and XXXX. Having XXXX " ghost debts '' that were bought from a third party being reported by this fourth party, Commonwealth Financial Systems is about the worst and most damaging thing that could happen to me at the moment. I am on social security XXXX due to XXXX. My husband is XXXX from the XXXX XXXX as of XXXX XXXX, 2017. With his XXXX approaching, we may need to sell our house and either rent an apartment or buy a home. I have worked hard to have good credit. Other than the future of being able to secure housing, I am concerned XXXX different accounts listed for collection, will be quite damaging to my financial situation. I have credit cards fro the purpose of building my credit history and I am very concerned that such a drastic change may impact the rest of my credit health which I have been very careful with. I use XXXX XXXX, XXXX XXXX and XXXX XXXX to stay on track with my credit. If the companies that furnish my cards lower my limits as a result of these collections, it will take me a minimum of 6 months, and probably longer to recover my good credit standing. I have been promised that the derogatory marks will be removed by this company and I was assured this morning, XXXX XXXX, 2017, by XXXX that the company had already started the process of having these remarks removed. XXXX XXXX should have been more professional and helpful and should not have hung up the phone. I should have been furnished with the proper information and he should have been willing to work with me regarding the payment of the debt. 

XXXX XXXX assured me deleting the collections from the XXXX buraeus, XXXX , XXXX and XXXX and mailing letters of deletion to me to give me confirmation that the information was deleted from the XXXX respective bureas. 


XXXX XXXX
For over 4 years I have tried to due a loan modification with my lender. When I first applied my loan was with XXXX XXXX XXXX. I proceeded to go back and forth with them for well over a year and was told i was missing paperwork or my paperwork was incomplete. However, XXXX XXXX XXXX could n't tell me what was missing or incomplete. Instead, I had to reapply. This time all just went ignored and eventually my loan was sold. Now I 'm left to reapply yet again with with SPS. I have applied with them XXXX or XXXX times even paying to receive mediation XXXX. The most recent mediation took place in XXXX of 2015. Prior to my mediation I had informed all parties to include, SPS, the mediator and XXXX that my income was reduced by {$1500.00} per month. I was approved for a Tier 1 Harp program but it was at the wrong grossly income. At mediation, all parties did n't seam to think or feel that my income being reduced by {$1500.00} was that big of a deal. I did not sign the agreement and was advised to appeal based on my gross income being incorrect. I was advised at mediation that I had 30 days to submit by appeal. However, a letter that I received stating that I was approved for program was received 2 weeks prior to my mediation date and the bank is denying my appeal stating that I had 30 days to appeal based on the letter not the mediation. I had no idea of the terms of the agreement until I attended the mediation. This has all been rather confusing and I have complied with everything multiple times and have provided all requested and necessary documents to the lender. I received an email that they were denying the request to correct my income. I have provided them with current bank statements as well as current pay stubs in addition, I also provided bank statements from my estranged husband showing that he was paying and had been paying on the house that we where on a loan together. I have mailed letters and followed up with XXXX as well as sent all parties an email asking for yet another application to reapply since that is what they where wanting me to do since they would except and or allow the changes to my pay. This is a frustrating for all this could have been resolved 4 years ago. But then again this has allowed the bank to charge all these outrages fee 's to to my loan. Let al the bank loan payments, late fee 's, mailing fee 's ( which in access they will send XXXX of the same letter everytime ). I feel as I have been giving the run around and now I received a letter stating the foreclosure sale date to be XXXX XXXX, 2015. The bank as yet to respond to my requests has brought me here. 

Regarding a question below, I did n't pay an outsidecompany for assistance but paid XXXX $ XXXX XXXX seperate times to receive mediation.
On XXXX XXXX, I made an offer on a home and contacted Premia Relocation Mortgage, a lender participating in my company 's relocation program, to lock in a rate and begin the loan processing. The broker began to contact me with requests for documents and I provided tax returns, IRS transcripts, proof of all income and other documents. Premia ran my three credit reports two different times - once to provide the prequalification in XXXX then again during the loan process in XXXX. Premia began to dissect my tax returns and asking for explanations of deductions and notifying they me they decided to reduce my income based on deductions in my tax returns. Then, Premia asked me about prior addresses and wanted explanations of why I did n't live there anymore. 
From credit reporting, I had an account in dispute - the creditor placed a note for credit bureaus explaining a late payment made by the accountant at a firm who handles some of my business in an effort to offset any penalty for consumer behavior. Premia wanted this removed from my reports so that my credit score would drop. Premia then ran another credit report ( 3 total within a 30 day period ). Finally, this week Premia sent me a new disclosure agreement electronically. The new disclosure established a higher interest rate and new terms. We previously had a rate lock in place and a disclosure along with all financial statements, records, reports, etc. Premia removed all records of the prior contract from the shared library of a website used to exchange documents.
I have purchased and sold numerous properties ( 6 ) and currently have two active mortgages from a rental property I own and my prior home that I am selling, I am not unfamiliar with the loan process. However, I am appalled by this behavior. I am a single professional woman, my children are adults and I was recently promoted to an XXXX XXXX for which I relocated.
In summary, Premia is in breach of a contract both implied and stated regarding a rate lock, performed an unauthorized background check, manipulated the credit reporting bureaus in an effort to alter scoring and dissuade my pursuit of other lenders, and dismissed documentation ( XXXX, pay stubs ) then requested credit card statements. The most recent request was for me to insist that two of my banks change the monthly statements. This type of behavior is beyond unprofessional and skirts legality. It 's certainly not within the guidelines of the fair credit reporting or other policies.
On XX/XX/2018 at XXXX XXXX I spoke with a representative from Transition regarding a chapter XXXX bankruptcy that was placed on my credit report on XX/XX/2018. The representative stated that the bankruptcy was verified through the bankruptcy court. I also have a phone recording with her stating so. I also contacted the United States Bankruptcy courts myself an inquired about the procedure on verifying information with the credit bureaus. I was told in writing that the Bankruptcy courts do not verify information with the credit reporting agencies. They have unethically lied to me and tarnished my recently good credit.
I contacted XXXX XXXX two months in a row, to see where I stand with paying of my loan. Last month, I was told I have a balance of about {$1300.00}, with a payoff of roughly {$1100.00}. This month, when I called, I was told that I had a balance of {$1500.00}, with a payoff of {$1300.00}. This baffled me, so I requested a payment history showing the breakdown of principle, interest, and late fees. I was told they could send me a payment history, but it would not have a breakdown in that manner because this was not a simple interest loan, like an auto loan. I was confused, because this is the first time I was informed of this. They said they use the Rule of 78, which I had no knowledge of until today. I have been over paying this loan every month, and did not realize, nor was I informed by XXXX XXXX that this was hurting me, by charging more interest. When I applied an accepted the loan, I was told there is no penalty if I wanted to pay the loan off early. That was incorrect, based on the Rule of 78 calculating principle they use. I was mortified. Until today, I had never heard of this rule. So, by paying this loan off early, they are charging me MORE interest than if I followed their payment schedule. Had I been informed of this when I got the loan, I would have never accepted it, or any others I got from this form. I thought I was well ahead to paying the loan off early, to find out on today, XX/XX/XXXX, that I have been hurting myself.
Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal XXXX XXXX, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports. I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was XXXX for a number of years and the attached police report detail and the letter from my XXXX XXXX prove that. 
Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter
XXXX FROM XXXX XXXX XXXX, HAS BEEN CALLING OVER 2 TIMES PER DAY. TRYING TO COLLECT A DEBT THAT WAS PAID.
In late 2012 I was given a big pay cut at my company. My wife and I contacted Citi Mortgage to see if we had any options to lower the rate or lower the amount for at least a short term. They offered us a HARP loan modification that would take our payments down almost 200 per month. We asked for paperwork and what they needed to get this started. up until this point we were on time with our mortgage every month without issue. They had us send in money that they would " Hold '' in order for the modification to be approved.We made double payments to them and the money is shown on our account but never applied to it. They approved the modification and gave us a new monthly payment. After a few months I was looking at getting a new car and my FICO score dropped over 100 points. Once I looked I found Citi allowed us to go behind 5 months to show " need '' even though we still sent in money. This kept us behind for months, but the damage to my credit was done. I have asked and disputed the reports for years to the point I can no longer dispute it. My mortgage should never have been behind and they hid behind a federal program that was to help people in order to ruin my credit. I have no other options now and these marks need to be removed.
Debt collector IQ Data International , Inc. has committed two violations : ( 1 ) it is attempting to collect an alleged debt for which the statute of limitations has run ; ( 2 ) it is attempting to collect a debt without providing a valid verification of debt upon my written request. 

In or about XX/XX/XXXX, IQ Data attempted to collect a debt that was alleged by a former landlord with whom I had a dispute. In my opinion, the landlord owed me $ XXXX. Nevertheless, landlord sent its alleged debt to IQ Data. In XX/XX/XXXX, IQ data sent me a letter attempting to collect the alleged debts. I responded within 30 days of this letter, requesting a verification of debt in the form of the contract upon which the claim is based or the judgment against me. IQ Data responded with an indecipherable document with two itemized charges and descriptions that were not revealing of what the charges were, nor any evidence of a contract or judgment against me. I informed IQ data of this by mail promptly within 30 days of its letter to me, explaining that they had not verified anything, and I re-requested a verification of the debt.

I did not hear from IQ Data until today, when I received a letter dated XX/XX/XXXX from IQ Data offering to compromise the debt against me and informing me that they had or intend to report me to credit bureaus.

Californias statute of limitations is 4 years when based on a written contract. Although IQ Data has not produced such a contract its allegations are of a contractual basis for its collection. However, per IQ Data, this debt was due and payable in XX/XX/XXXX. IQ Datas claim if it existed at all is no longer enforceable by the laws of California. It is abusing its power and wealth to leverage the average consumers lack of knowledge of the laws to extract money that is not legally collectible.

The debt collectors information is below for your information.

IQ Data International, Inc. 
XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX Account Representative : XXXX XXXX
There is a XXXX XXXX credit card on my credit file, states I am an authorized user..I have never been a user on that account and do not have a card ( the account with a {$4000.00} balance ). I talked to XXXX XXXX and they have corrected it on their end but I need it removed off my credit reports.
I have 30-day late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX. I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.
I was called Sunday morning by XXXX XXXX, they were told not to ever call, let alone sunday, it is a violation of my rights in the state of Tn
People 's United Bank was notified, by me, regarding XXXX transactions on my bank account that were paid by other means, due to banking error. 

People 's United Bank credited XXXX out of the XXXX transactions to my account. People 's United Bank admitted fault, but did not take care of the third transaction. 

The XXXX transactions took place on XXXX XXXX, 2015 - {$5600.00}, XXXX XXXX, 2015 - {$870.00} and XXXX XXXX 2015 - {$1000.00}. The transactions for {$870.00} and {$1000.00}, were taken care of, but the {$5600.00} was never credited. Initially, I contacted the bank within the normal dispute time requirement, but the bank representatives never took responsibility. I did NOT receive documentation in XXXX, 2015 to dispute the charges, or any other form of documentation to dispute the charges for the rest of the year. 
I made repeated calls for months with no response, to People 's United Bank, shortly after contacting them about the charge. I contacted People 's United Bank repeatedly, to take care of the {$5600.00}, with no response. I finally got a hold of the head of the ACH/dispute/fraud department and was issued a fax number after opening the complaint with the XXXX, yet I still did not receive any response from the company, even after sending the documents. 

People 's United Bank closed my account, without any warning or justification after I contacted them about this matter, hoping to discourage me, from pursuing this matter with them. I can justify this fact, because when I called about my account issue, they explained that they could n't assist me, because of my closed account. 

People 's United Bank has carried out a litany of unethical business practices and displayed blatant financial misconduct. People 's United Bank needs to be held responsible for their actions. 

I have proof of the transaction, paid by other means, via bank statement. I will also provide proof of email communication and call logs from my phone ( date/time ) during the date range, the transaction occurred with People 's United Bank. Fax confirmations, proving that I contacted People 's United Bank within recommended time frames, which also contained the necessary information to pursue the dispute, was also saved.
On or About XX/XX/2018 A unidentified party accessed my XXXX  XXXX Credit Card Account. They began charging and purchasing overseas products. This was XXXX weekend followed by XXXX XXXX  and XXXX XXXX. 
These individuals added two Chase customer accounts to my XXXX   XXXX Secured Payment Page which means they gained access to my my XXXX  XXXX online account and they added Two ( 2 ) Chase Bank Accounts to my XXXX  XXXX Payment page. 
Over the weekend to which I was busy with the Holiday they some how drained and over drafted funds from my Chase Account. 
I have the ending numbers from the Chase accounts used to steal from me including the emails from XXXX XXXX demonstrating these account were linked to XXXX XXXX. 
Chase bank has refused to take these account numbers from me to investigate who these customers are. I have been damaged and have received some account adjustment but other transactions I did not make are still being investigated. 
Chase Fraud Department was supposed to send me documents to sign that I did not authorize these payments and I did not make any of these purchases. 
I am now told that I will not be receiving these documents and they will not take the Chase Account Information that was placed on my XXXX XXXX Account Page to investigate who owns these accounts at chase and to see how this cyber theft occurred. 
I maintain that Chase bank is aware of who did this and is purposely deferring any resolve for me to avoid liability. 
XXXX XXXX
The following account you are publishing about me is inaccurate and incomplete : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX  XX/XX/2018 I have contacted Equifax more than once regarding this same issue and they do reply on here that they are working on it but never fully finish. I have sent in identity theft package and requirements. They have failed to comply with federal law regulations. 

I need this removed as soon as possible because reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity.
Coinbase had not provided me with the appropriate funds owned by me in bitcoin cash ( BCC ).
There is a fraudulent item on my credit report. I had an account with XXXX. It was satisfied and cancelled. Somehow two collection agencies have gotten a hold of my account information and are asking for a payment not owed. One was removed XXXX XXXX. 

XXXX XXXX is still being reported on my credit report. I submitted an online dispute, but the item is still listed on my account. It is lowering my score and making me unable to get credit. This is causing damages and needs to be removed.
XXXX XXXX  kept raising my insurance premium without my knowledge I disputed the amount with Compass since XXXX, Compass gave provisional credit, did not investigage and debited my account making all kinds of negative adjustment. 

All the disputes were handled in another country.
The company secure resolutions keeps call my cell phone and has called my work numerous times on XXXX/XXXX/XXXX. They are saying I owe a medical debt which I do not. They would not stop calling even my work even after there number was blocked. They would just call another extension of a different employee and ask for me. I do not owe this debt and I am being harassed by this company.
We purchased a home and paid cash ( not contingent to financing ) in XXXX XXXX XXXX, Florida. The SELLER chose the title company ; and in doing so, agreed to pay for the title policy and associated costs. At closing, the title company charged us ( the buyers ) a fee which we never agreed to of {$350.00} as a " processing fee ''. We argued that we had our own attorney representing us and wouldnt pay a fee to a third party company who was selected by the sellers and not by us. The title company threatened that if we didtn pay the fee, they could stop our purchase and cost us our deposit which was a large amount of money. We are pretty sure that this type of act is a direct violation of RESPA and needs to be addressed.
Bank of America was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised BOA that it had failed to send the required Post Foreclosure Referral Notice and had failed to provide the borrower with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. Bank of America is proceeding with foreclosure.