WillisBack/dataset-financial-user-claim huggingface dataset:
The original student loan I had was acquired by another company. Due to technical issues with this acquisition, my automatic payments were not automatically linked. I resigned up for the automatic payment but the website only allowed for payment once monthly on day in the middle of the month. My payment due date at the time was prior to the next scheduled automatic payment date so I opted to make a direct payment of the amount to not miss the due date. To my unfortunate expense, the website was set up so that any direct payments made negated and cancelled all automatic payments. This was not explicitly written on the website and I argued over this with a customer service representative after I found out I had the delinquency but was only dismissed for this. I had thought my troubles were over after one technical error but the delinquency from that missed automatic payment lead to another month of deliquency because the automatic payment that was scheduled did not factor in the late fee that was due and caused my account to be branded with a double delinquency. It was never the case that I did not want to make my payments. The original payments were {$42.00} monthly. This cost was not a large sum at all but lead to this delinquency that has affected me greatly. 

This derogatory mark on my credit report is extremely damaging to me. At the time, I was applying for a bank mortgage for my first home and the delinquency has surely played a negative role that has already costed me a lot of money in the bank 's decision for my home. Even now, this delinquency on my report is preventing me from getting the loans that I am trying to apply for.
This debt is XXXX XXXX and this credit card my husband used in XXXX XXXX XXXX XXXX. He passed away on XX/XX/2015. I went through probate and was told I was not responsible for his business cards. I had no business with XXXX XXXX in Minnesota
XXXX XXXX Circuit # XXXX  All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and XXXX  # XXXX Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX.

XXXX XXXX  # XXXX   Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.
I have a mortgage with Ocwen. I have made my payments consistently on time. On XX/XX/XXXX I made a payment to Ocwen in the amount of {$2500.00} for the month of XX/XX/XXXX. The XXXX, Ocwen reported me to credit bureaus for being 30 days late for XXXX, even though they received {$2500.00} on the XXXX. Rather than applying my payment to my principle and interest, they HELD the funds and did not apply the funds because escrow amount was increased and I was short a few dollars. So they HELD {$2500.00} of my funds and reported me as 30 days late in making my payment when in fact that was False. I have a healthy balance in escrow and I was not short there either. My credit rating has sunk because of their practice to hold my funds and not apply them to my mortgage. They have been unwilling to help me clearing up my credit report because of them HOLDING my funds, even though I have been and remain current in my payments.
On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX. They were supposed to respond with the results within 30 days, but they did not. I have since sent follow-up letters to both, but we still haven't received our results. They have had 3 months to respond, and we are still waiting.
I had been late a few times on my mortgage and even after catching up I have still been charged late fees, property inspection fees, and nsf fees. I use my banks website to pay through Web bill pay and they can not explain how or why I am being charged extra charges. I have been spoken to in a demeaning and rude manner. I do not want to remain with this company and I am currently looking for a different company. My loan was sold to these people from another loan provider. Freedom mortgage has been the worst company I have had the displeasure of dealing with.
I use an app called   XXXX   XXXX   it helps me with finances since I live paycheck to paycheck , Wells Fargo is EXTREMLY slow when sending information over and it 's really putting me In a hole when I need money available. I like banking with Wells Fargo but thes e wait times are killing me.
I received a letter stating that my account was placed with this office for a balance of XXXX from a XXXX bill that was paid when I transferred to XXXX, this bill has been placed with XXXX This is the 3rd collection company this paid bill has been placed with, I want them to stop calling my phone and please verify this debt I have a printed bill from my American Express account showing that this bill was paid in full. I had my wife to contact them and to verify is this was an actual law office because if not they are acting under false pretenses that this is an actual law office
XXXX XXXX and myself have sent the credit bureaus a letter on XX/XX/2018 stating that this should not have been reported as a Charge Off but as a closed fully paid account, XXXX XXXX has followed up with me that they did send a copy of said letter to the credit bureaus. I however have not been able to get this removed from my credit report. I had stellar credit with 100 % on time payments, a substantial credit line available, and no derogatory remarks on my report. This error, has brought my credit from an A status to a current C status. I need this Charge OFF removed from my credit report since the credit bureaus are not acting accordingly with The Fair Credit Reporting Act, which entitles me to a reasonable investigation whenever a consumer disputes information on their credit report. XXXX XXXX asked the credit bureaus to remove the previously reported charge off status by them and report that my account was paid in full. I have not been successful in getting this removed from my credit report.
XX/XX/2019 I contacted experian to display my number for fraud alerts but it's still not showing it shows all XXXX
Applied for a Mortgage with Navy Federal on a Foreclose house XXXX/XXXX/XXXX. Pre-approval letter after some very stern phone calls XXXX/XXXX/XXXX. Loan Officer would not return your call or call from numbers that was not working for Navy Federal. We are at closing and have n't receive the HUD sheet, the Attorney Office had to let us know we will not close XXXX XXXX, XXXX. Navy Credit sent an email requesting more information XXXX/XXXX/XXXX around XXXX our time because they are located somewhere in Florida. Somebody call my cell earlier that morning but did n't leave a message, I guess it was XXXX XXXX because she did leave a message in the past from the same phone number. the email was asking questions concerning our dependent age and how much we pay for his daycare in the last two years, they stated it came from our tax transcript. Caluculated the distance my husband would have to commute and is his job relocating XXXX XXXX. Did I relocate to my current job because my Employment verification stated XXXX/XXXX/XXXX, my Employment verification letter gave them 24 years of Federal Services. Why my husband had a gap in employment, which they got from tax transcript and question income from rental houses we own. Now asking for XX/XX/XXXX tax return when we sign release form for them to obtain XX/XX/XXXX and XX/XX/XXXX tax transcripts. I can go on and on but the main thing we will not make closing XXXX/XXXX/XXXX and still have n't heard when we will close. I sent all requested documents timely and sent emails asking was anything else needed. we have to go 2 hours to close. The Navy Federal Credit Union had all requested information in a fimely fashion and now we can close on the date in the contract and talking about an extension meaning more money the buyers have to pay and some attorney do n't give or waive that fee, Navy should pay for any additional money because it 's not the Buyer fault we did n't make closing.
Some one opened up a credit account at CITIBANK in my name, took over XXXX $ and 2 years later I found out about it, because Citibank contacted me about the outstanding balance.
I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX XXXX, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove them.
I have attempted numerous times to get XXXX XXXX XXXX to remove the erroneous and illegal account ( ending XXXX ) from my credit file. I have asked for verification, I have shared with them that I was a victim of Identity Theft, I have requested to see the original instrument of indebtness in its original form, this account has been VERIFIED every time that I have disputed this file. 
The FCRA states the bureaus must verify all information that they get from banks, credit card companies, etc before it's put into my credit report. In the letter written to me from XXXX XXXX XXXX on XX/XX/2018 they CLEARLY state that they DO NOT have a signed contract with my signature affixed. This account can't be VERIFIED and I am requesting that it is REMOVED IMMEDIATELY.
I opened an account sometime last year, and I had to move all the way from XXXX to XXXX. Because of that I lost my job, obviously, and I 'm trying to find a new XXXX. I get calls from random out of state numbers sometimes every 5 minutes, and I get 30 a day. It 's impossible for me to find a job or keep my line open for employers to contact me or vice versa. I also get calls sometimes at XXXX.
Complaint is against Bank of America, where I have checking account and bank debit/credit card. At times when I have MORE than sufficient balance $ $ to cover transaction charges, the Bank indiscriminately triggers a DECLINE to pay transactions. Example : XXXX a purchase at Target, slightly over {$400.00} XXXX there was around XXXX this held in the account ). The card was declined with NO warning, with NO explanation. Also, my daughter 's card was declined. My daughter needed to pay the bill with another business account, in a final ditch effort to end the capricious conflict. This resulted in extreme embarrassment, and measures that were aggravating and time-consuming to clean up the intervening mess ( while preparing a college graduation event with family coming from all over the country ). The bank should have NO indiscriminate right to deny payments to vendors when I have plenty of $ $ in the account to pay the bills. That is MY money, not the bank 's. 
ALSO, Bank of America declines transactions when I am in another state, even though I live in a XXXX area ( XXXX, XXXX, XXXX XXXX and travel between them almost every day! They insist I post a 'travel ' note on the account, which has a temporary time frame. This is nonsense! Are we living in a XXXX XXXX world? The practices of the Bank of America which abuse consumers and prevent them from using their OWN $ $ must be criminal in nature. The XXXX government surely can not condone such practices. Preparing to remove my money and close the account. What 's next? Stuff it in a mattress? STOP these consumer abuses by criminal banks.
I contacted   XXXX   XXXX   to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for  XXXX  a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect  XXXX  and that is the statement that I would be responsible for. I made the payment of  XXXX  but they debited my account for  XXXX , which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of  XXXX  removed and the 30 day late mark removed as well.
My father had work done on his home for an insurance issue of black mold. The mold was not taken care of and my father has decided to let the house go into forclosure. My mother who has been divorced from him for over 10 years and never lived in that home, myself and my brother in law ( because he has the same name ) has been contacted numerous times. The last time I told them it was n't my debt and my father has no plans to pay they can file the lien against the house for the debt the man XXXX was screaming at me, harassing me and telling me things like " pay your debt and what do you work at XXXX XXXX '' when I told him to stop calling or I would contact a lawyer. This is not my debt and having them contact everyone who has been remotely connected to my father is being contacted. I do not have power of attorney, have no access to my fathers money and told them this only to be screamed at and belittled. My father is XXXX and has no assets, so as I said I do n't plan to pay this which I explained.
Credit Bureau Equifax. 
XXXX hard inquiries affecting my credit report are : XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX-XX/XX/XXXX Did n't want to remove my inquiries.
While travelling to XXXX on business. Me and a coworker went out on our last night to see some of XXXX. XX/XX/XXXX. The last place we went late night was a XXXX bar called the " XXXX XXXX XXXX ''. We were there between 1 and 1-1/2 hours. I bought drinks for myself and 3 others  because I had the only card which was working in XXXX. We were running late and in a hurry when I asked for my bill. I asked her to just tell me in US dollars please. She told me around {$180.00} dollars. She ran my card and told me it declined. I gave her another card which is my person small business card. She then gave it back but said that actually my original card went through after all. It was loud and dark and somewhat confusing but we ran out of there to catch the train to our train. I didn't think of it until my card showed a charge of {$2200.00} when it posted XX/XX/XXXX. I tried to have a XXXX counterpart contact this establishment. They could not. I can not find it online. It was obviously a scam I fell into, I contacted Chase and talked to many people. They say its too late because it already processed. They say because I handed them my card and authorized a charge and should have had time to review it, that I authorized it. 
Although there are some fuzzy details, There are some that are not. I did not authorize that charge or anything near that charge. I did not ask for any goods or services which would have been such a charge. I was making a conscious decision to drink at a level that would not hinder my ability to remain safe in a foreign country. I only purchased normal alcohol consumption for 4 persons. At the time I believed the {$180.00} was excessive but let it slide in light of having a good time in XXXX.
My wife and I have gotten into a nasty cycle of payday lenders. We currently have two loans with Blue Trust Loans, aka Hummingbird Funds , LLC, one for my wife and one for myself. 

My loan was originally for {$2000.00}. The paperwork states that the APR is 406.57 % and that by the time I have repaid the loan, I will have paid {$7100.00}. When I make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. I have only made the initial payment at this point, at the end of XXXX, for {$520.00}, with {$37.00} going to principal and {$480.00} going to interest. 

My wife 's loan was originally for {$400.00}. The paperwork states that the APR is 732.74 % and that by the time we have repaid the loan, we will have paid {$1400.00}. When we make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. We have two payments remaining. We have paid {$890.00} so far.

This is, as you might imagine, unsustainable. It has also come to my attention that these interest rates are far higher than what is legal in the State of Colorado, as well as the fact that they are not licensed to do business in the State of Colorado. 

I have put a stop payment on these payments until I can get something figured out, but I was advised to contact your office. This is very time-sensitive, as the screenshots I will send you indicate that they plan to submit the full balance of the loans to our bank at the end of the month, and those payment amounts are not covered by the stop payments we authorized with our bank. Please help.
This company calls for a person with same last name as mine, but different name. I do not know the person they call fo. It is not me. 

I have repeatedly asked them to stop calling. They will not stop.
I was working with a licensed broker named XXXX XXXX at Carrington Home Mortgage, who absolutely did nothing to help get a loan approved for a home. They pulled my credit using a 3rd party service called XXXX XXXX. They informed that based off the scores they received they would not be able to help me because i was below a XXXX FICO score. However XXXX XXXX pulled my credit on XX/XX/XXXX and presented me in writing a FICO of XXXX and on XX/XX/XXXX XXXX XXXX provided me a credit score from XXXX of XXXX. I had documentation that needed to be forwarded to all XXXX credit bureaus that show where i have satisfied some judgements and tax lien so that they can reflect properly. I faxed those to XXXX XXXX on XX/XX/XXXX and of course on XXXX/XXXX/16 they still were not faxed. This is not acceptable. If she was a good broker, then she would be working diligently and extra harder to help get financed. I also am disputing the credit scores that they obtained from a 3rd party, they are not correct and need to be investigated, since XXXX 2016 any letter of credit denial or current credit all have sent me in writing scores above a XXXX. They are not willing to work with me with the scores that other creditors are producing. I am bringing this matter forth to the Federal Housing Authority to determine whether or not discrimination is playing a role in such decision. Of course, on XXXX/XXXX/16 i got a biased response from XXXX XXXX, XXXX, basically advising im in the wrong and his company is in the right by following all laws and guidelines. This is not a reputable organization and needs to have a site audit performed.
In recent months, I have worked hard to rebuild my credit and paid accounts I did owe. However, there is an account I did not recognize by a company known as  XXXX   XXXX  through my credit report on Experian. I have no recollection of opening an account or authorizing any of my information for collection with   XXXX  . I contacted  XXXX   XXXX  on the number that was provided on my credit report on  XXXX   XXXX ,   XXXX   and requested my application and any other authorizations for validity. The representatives and supervisors whom I spoke with failed to provide any documentation that the account is mine to my mailing/home address and email. As of my last known dispute on  XXXX   XXXX ,   XXXX  , in which I challenged ownership of this account, Experian declared that the account shall remain on my report. When I requested for their method of verificatio n ( FCRA Section 611 ( a ) ( 7 ) ), Ex perian replied that all they did was send a request to  XXXX   XXXX  with no documentation provided to me from the furnisher that the account is mine. I contacted  XXXX  again on  XXXX   XXXX ,   XXXX   and spoke to  XXXX   XXXX  in thei r Vendor Services depa rtment which record-keep applications and other authorization documents. I provided my full name, full social security number, and other information to her, and she found nothing that ties me to that account at all. I contacted Experian shortly thereafter to conduct a conference call as proof and they were non-compliant in accordance to ( FCRA Sectio n 616 ), as well as being told by their supervisor stating that, it did not matter whether or not I authorized the account, the fact that they have my social security number gives them the right report onto my credit file. Hearing this statement hints to me the allowance of fraudulent reporting between these two com panies and Experians reporting practices.     Attached to this complaint is my Experian Credit Report as  XXXX / XXXX /  XXXX   and they can be found on the bottom of th e 8th page as well my personal identification such as my drivers   license and ssn.
In XXXX XXXX We obtained a conventional 30 year mortgage from PNC Bank As we did not have enough down we were required to add Private Mortgage insurance ( PMI ) to our loan In XXXX of XXXX we reached out to our loan officer at PNC XXXX XXXX who said the PMI would end in XXXX of XXXX automatically or we could pay Pnc XXXX to have their appraiser reevaluate the homes value See Next XXXX XXXX So I tracked down your loan, etc. Your PMI is scheduled to go away this XXXX. Here is a copy of the disclosure you signed and the instructions required to get it taken away. I know how much you loathe, I mean LOVE details. 
Anyway. In XXXX if you do n't feel like reading this attachment, call me and I 'll help you with it. I know you 've got nothing but time on your hands in XXXX ( ha ha ha ). 
XXXX XXXX PNC As the PMI payment of XXXX for 5 months would equal the XXXX appraisal fee we elected to wait until XXXX for it to end In XXXX I reached out to XXXX XXXX as we were still being charged the PMI and received the following e mail So I checked on this, and now it appears that the PMI will fall away on the XXXX payment, a nice XXXX present, and that you should get a letter in the mail advising such. 
IF you dont get such a letter, let me know. 
Doing it this way doesnt cost you anything. But according to XXXX your home is now worth about $ 650k. So you are in great shape. 
I asked about why we thought it was supposed to come away in XXXX and the service person couldnt answer that. 
Let me know if I can do anything else. 
XXXX XXXX PNC If I had known in XXXX that the PMI was being charged for another year I would have paid the XXXX appraisal fee PNC has pulled a bait and switch on me
Real Time Resolutions ( RTR ) does not respect the Fair Debt Collections Act, also breaking the Law. The Statures of time in California is 4 years. why is RTR disrespecting and breaking the Law, simply put. This is an old XXXX Loan # XXXX this is just one of I do n't know how many account numbers they have on me, my SSN # XXXX.. Because they hide the truth with many different account numbers you can never get the truthful facts from ( RTR ) there is no telling how many times they have been paid off, because they keep changing the account numbers. I 'm asking them to remove my name and SSN # purge it from their system and rescind any and all claims they have filed. With respect to XXXX XXXX XXXX SSN # XXXX property located at XXXX XXXX XXXX XXXX, XXXX Ca XXXX also XXXX XXXX XXXX XXXX. XXXX Ca.XXXX. 
Respectfully, XXXX XXXX XXXX XXXX