WillisBack/dataset-financial-user-claim huggingface dataset:
1. I closed the Gap/XXXX XXXX about 3-4 years ago, maybe longer. I didnt get any statement since then till XX/XX/XXXX. And forgot completely about the card until XX/XX/XXXX. 
2. I received a statement on XXXX XXXX. The statement had a balance but didnt indicate what it was for, because it was not a current charge then. I called and asked the representative and found it was for XXXX XXXX. I thought it was my mistake, and paid around {$170.00}. And then closed the account ( Still XX/XX/XXXX ) 3. I received no statements from XXXX XXXX. 
4. I received another statement XX/XX/XXXX ( I closed the card twice! ). It had a " previous balance of {$150.00} '' and " fees Charged '' of {$37.00} and " Interest Charged '' of " {$3.00}. 
5. I called and said I wanted to dispute the charge.

6. The call got dropped.

7. I called back but wasn't able to log into the system. My birth date and card number didn't let me speak to the representative. Their phone system cant find my record, which it was able to on the first call.

8. In XX/XX/XXXX, I get another statement, with additional amounts of " fees '' and " interest charge '' I called XXXXXXXX XXXX again XX/XX/XXXX. Exact same thing happened from step 5-7.

9. I try to log in at the website but didn't know neither id nor password. ( Tried to register but the system wouldnt let me ) Usually if I dont know id or password, they would still let me log, by emailing me the temporary password but this system will not operate in such a way.
Experian, In 2011 we filed BK and ever sence we have had very good credit but experian keeps filing on record what was filed in 2011 you can pull my report and see what they are doing, if this is the way that credit companys are allowed to operate than we do n't need federal laws concerning BK Heres a example of there report, Serious Delinquency and Public record or collection filed, proportion of balance to high credit on bank revoling or all revoling accoumts, number of accounts with delinquency too many inquires in last 12 months, note in the last 12 months I have made only XXXX requests and other requests were just made by companys for there info, the credit beaures have a obligation to assist people not ignoring what is sent to them they shoud be questing items when filed or advise people what is being sent, when BK is filed that should clear all back records on file and after 7 years record should be clean they are ruining a person credit by what they are doing. 
XXXX XXXXXXXXXXXX
Midwest Recovery Systems LLC appeared on my credit report in the amount of {$890.00}. I have never heard of this company before. When I contacted them, they said that I had taken out a payday loan on XX/XX/XXXX I did not take out such loan on that day as I was not working at the time. As well all of the banking, home and email address information was old. I have not had that bank since XX/XX/XXXX and that bank went defunct in XX/XX/XXXX. I have not lived at that address in over XXXX years. As of XX/XX/XXXX it had been over XXXX years. That email address had not been my email address since XX/XX/XXXX. However, for some reason, when I did call they tried to get me to tell them my social security information but did know the last XXXX of it. Now, they are insisting that I owe this money. I know for a fact that I do not owe this money, who takes out a payday loan when they are not, in fact, WORKING and getting pay or have a payday? Not to mention, payday loans are ILLEGAL in the state of XXXX. Please stop your attempts to collect on a debt that is not owed to your client.
I have been trying to remove my PMI from my account since approximately   XXXX   XXXX   XXXX   .  I have spent many hours on the phone with customer support and every time get different answers. They have canceled my requests. Most recently they told me I could have my own appraisal and after I had submitted it said they no longer accept appraisals. The original problem was they said I could have an appraisal for  XXXX  dollars and then tried to charge me  XXXX . I was guaranteed it would be  XXXX  on the phone many times and then would get a call asking for approval for  XXXX . That is when they canceled my request for PMI removal and said I had to file a new claim.     When I call they say they can not do anything and say they will file a complaint for you. Then no one calls you back and you have to call again and start the whole process over.
I opened an account on Saturday with Wells Fargo and after going in to the company to give them my opening deposit and requesting an instant issue debit card I was told that I had to pay them for a charged off account that I had with my parents when I was younger, specifically below the age of majority in my state. After I paid the fee I called to speak with their complaints department as I was blindsided with this information and was then told that I could not get a debit card until I paid them. This entire experience has been horrific and the person I spoke to in the complaints department was beyond apathetic, and sounded very unknowledgeable regarding the situation after having my account pulled up. My case number is XXXX
I disputed a reporting of my Experian credit report in XX/XX/XXXX. The account in dispute is XXXX XXXX XXXX/XXXX XXXX XXXX. I provided the following documents to Experian at the time of the dispute. They were uploaded to the Experian dispute page via PDF attachment. 1. Copy of signed settlement agreement dated XX/XX/XXXX between myself and the XXXX stating they agreed to take payment of the full balance of {$6300.00} to close the account ( see attached ). 2. Proof of payment ( payment statement ) showing I paid the full amount the same day on XX/XX/XXXX and the payment was processed by my bank account on XX/XX/XXXX ( see attached payment statement and attached email confirmation of payment recieved by federal government ). 3. A summary record from XXXX stating the original date of the loan was XX/XX/XXXX not XX/XX/XXXX as reported and the original amount was {$6200.00} ( see attached Summary Letter from XXXX ).  4. A detailed letter by me explaining the situation, outlining the attachments and a requested outcome ( see attached ). On XX/XX/XXXX my dispute was update as " resolved '' by Experian even though it is not. ( See attached dispute results ). 1.  Experian never changed the total owed from {$1300.00} to {$0.00}. Experian payment history showed I owed {$6300.00} but only paid {$4900.00}. I never owned {$1300.00}, the paperwork I provided them showed I never owed that. Experian is still reporting the account as open/charge off instead of closed paid in full and they are still showing I have a balance of {$1300.00}, which I do not. How do I owe {$1300.00} still, when I originally owed {$6300.00} and I paid the amount of {$6300.00} in full and provided both the signed settlement letter and proof of payment?
I processed a automatic payment on XX/XX/2018 for my XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XXXX mortgage payment a second time on XX/XX/2018. I then confirmed that my bank made the XX/XX/2018 payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/2018. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.
I paid my bill by the phone, but asked for my receipt, because I need it to get a refund of my insurance. But they told me that I cant get it by phone, or email and right now I am out of the country. They gave me " confirmation number '' that I cant do anything with it, so my question is, how can I pay something and they cant give me my receipt? I paid it by phone last week, on XX/XX/2018, the amount was : {$420.00}, devided in 3 months, the company is Holloway Credit.
We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as Residential Credit Solutions. Residential Credit Solutions refuses to endorse the check so we may recover our contractually obligated fees and expenses.
Hi I was contacted by a loan officer at Loan Depot named XXXX and he's a XXXX.  He tried very hard to get me into a 10 ARM even though I said that was not what I wanted.  When I pressed him that I wanted a 30-year fixed he said "great news, I can put you in a 30 year fixed that's "only" $XXXX more than the payment you have on your loan with 27 years left.  And I wasn't taking money out!  The closing cost was XXXX but great news he'll knock XXXX off and roll it into the loan!  So he wanted me to pay $XXXX/month higher and do so for 3 extra years.  He called me again today.  That's how I got his name.  He's scum.  Mr. XXXX (XXXX) email address is XXXX.   I'm obviously not going to do business with him or his company.  I just want people to know that this guy sounds like a XXXX.
I noticed once again that Leaders Financial has reported on my XXXX, XXXX and XXXX credit report that I have two 30 day late payments in XX/XX/XXXX and XX/XX/2015. I generally pay my car note within the grace period and or allowed time. This is the second time that I have had to complain about them reporting 30 day lates and ruining my credit
XXXX XXXX Bank continues to report inaccurate information to the the major credit bureaus ( Experian, XXXX & XXXX ). Just recently I filed a complaint with the Better Business Bureaus regarding the inaccurate information being reported. I have tried on numerous occasions to resolve this with XXXX XXXX directly but every time I contact them, Im told that they can not assist me because all of my information has been archived and my account was sold to a collection agency. I have explained to them that no collection agency is reporting on my report, it is only them ( XXXX XXXX Bank ). I was also just made aware that my credit score dropped 19 points when I contacted Experian to find out why, I was told that XXXX XXXX Bank reported a recent charge off as of XXXX XXXX, the account the are reporting falsely was first reported in XXXX. They are re-aging my account and providing more inaccurate information, which should be illegal to do, ( please provide me information on this ). 

I believe they recently reported to retaliate for the complaint I filed with the B.B.B Please have them remove this account immediately. 

Thank you
On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.
Multiple out of the country fraudulent charges occurred in my Citibank checking account. I filed a dispute and lost the claims, then a string of fraudulent cash withdrawals occurred and anmyriad of fraudulent transactions followed. I filed claims lost each XXXX and the forced a hold on my account freezing funds denying all claims and have prevented me from speaking with anyone saying it 's confidential information. I 'm out in excess of {$7600.00}!
I have received notification that there 's a late payment on my credit report and I have paid on time every time.
A dispute was processed with  XXXX ,  XXXX , and  XXXX . There was not proper verifiable documentation of the alleged debt. This account was added to my credit reports without proper notice.
Hello, I just got out of the phone with XXXX XXXX XXXX XXXX in regards to a collection that shows on my credit from PERFECTION COLLECTION LLC. They mentioned that they are now holding the debt the original creditor ( XXXX  ) and the balance was paid and they agreed to remove it from my credit report. 

XXXX is home security company that sold the debt to Perfection Collection company and they hired XXXX XXXX XXXX XXXX to collect. Please see the attachment that the balance that's reporting on my credit reporting agency are wrong and they've agreed to remove it.
I used a debt relief agency to pay my debts ( XXXX ) and it was charged off, but still shows up on my credit report. This has been over XXXX years.
To Whom It May Concern : For over a year and a half, I have been working diligently with Bank Of America XXXX BOA ) on the unscrupulous actions carried out by Countrywide to entice, induce and / or assist a borrower in taking a modified mortgage that carries a high interest rate. A five year loan modification created by Countrywide was inherited by BOA when the modification ended in XX/XX/XXXX. The modification papers were signed in XX/XX/XXXX when the loan was backed by XXXX. In the five year period the modification was in existence, the loan was sold to a private investor. Refinancing and any type of modification has been denied by the investor through the lender, BOA.
Please refer to events which occurred by referring to CFPB complaint XXXX. This complaint is related to the above CFPB case no. XXXX. 

I might add to this case that the XXXX office -may have opened up a case against me to protect misconduct falsified documents created by XXXX employees XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( man who held the unlawful auction related to my owner occupied home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX - XXXX ignored a Federal Cease and Desist Order issued by my attorney ) DUE to a Television Interview conducted with me by a XXXX XXXX XXXX XXXX XXXX back XX/XX/XXXX. I believe a lower court BK judge was mad that I diplomatically exposed the abuse which I endured in her courtroom. When I tried to reach for help whether XXXX office, XXXX or XXXX XXXX or Congresswoman XXXX XXXX related to the falsified documents - I was always ignored. I have reason to believe due to XXXX opening a investigation on me due to someone not liking my interview. The interview was educational and based on my experience as a mortgage professional who sold loans following CA commercial codes. Please refer to Case No. XXXX.
I was not made aware of this debt from XXXX Check N Go until I received an alert on XXXX that my credit had been adversely affected. This is NOT my debt. I did not take out this loan. I believe it was my either my mother or ex husband XXXX XXXX, who at the time was still my husband and was privy to all my information to apply for this loan online. I have asked the collection agency to provide documents with a hand written signature to show, as I am certain I did not apply for the debt in the amount of {$6100.00} XXXX XXXX Check N Go. They have not responded to my requests to provide documented evidence regarding the owner of the debt. An electronic signature is insufficient to prove it is my debt as my then husband and I had joint accounts, used the same computer, and thus would have the same IP address.
many times, during my repayment i qualified for financial hardship. 
I was constantly steered away from that to a forbearance. Which has exploded my loans because of interest
A false accusation against XXXX has been made by OCWEN in response to Case number : XXXX XXXX XXXX, Ombudsman at OCWEN verbally told me over the phone that the problem I reported in Case number : XXXX was caused by XXXX. I am filing a separate complaint because this is a separate, serious allegation. I called XXXX XXXX, Executive Disputes Dept of XXXX at XXXX and point blank asked her if XXXX did the things OCWEN claimed they did. XXXX XXXX said that the incorrect information that appeared on my credit reports generated from OCWEN, not XXXX. She stated that XXXX did not cause all the other credit bureaus to report the false information which harmed by credit score. XXXX XXXX said that the only time XXXX reports to other credit bureaus is in matters of reporting FRAUD. 
OCWEN has repeatedly ruined my credit score in 2016 and has never taken responsibility, thus I believe they will continue to damage me financially since they are still not taking responsibility for this latest incident. 
I have received a letter from OCWEN that insinuates I am stupid for reporting this matter to the CFPB again. OCWEN maintains they have already responded to the CFPB about this issue. The fact that they are still committing the offense does not seem to trouble OCWEN. It is like someone received a traffic ticket for running a red light and is upset and calling the police officer XXXX for giving them a XXXX, XXXX and XXXX ticket for running the red light again and again. .It 's as if to say : " Officer, you already gave me a ticket '', as if XXXX ticket gives them the right to continue to commit the offense with impunity. 
Ocwen seems to be telling me that they have immunity and can repeat the offense as many times as they want now since the subject has already been addressed. 
OCWEN has also told me on many occasions that my loan will be pulled from all the credit bureaus any time I report them to the Attorney General and the CFPB for removing my loans from the credit bureaus. This is cyclic thinking and it is not logical. 
XXXX XXXX at XXXX XXXX XXXX can also verify that TransUntion did not alter my credit report because of a transmission from XXXX. Ocwen is trying to convince me that XXXX caused the financial harm my family is suffering now and all of 2016 since Ocwen began attacking my home loan which was in excellent standing. 
OCWEN also told the CFPB and the Attorney General that I had failed to get the Keep Your Home California recast document notarized and neglected to mention that after OCWEN took the KYHC {$76000.00} money and posted it to the loan in XX/XX/XXXX, they did n't send me the document that needed to be notarized because they REMOVED MY NAME FROM THE LOAN. Many months late, they sent me the form after putting my name back on the loan but neglected to include an address and a return envelope. OCWEN has exhibited a pattern of blaming others for damaging events that they caused.
XXXX-2017 XXXX XXXX in New York removed my withdraw permission because they detected that I logged in from a new device. Should have been restored in 24 hours. It was not because their system continues to believe that I am logging in from a new device. So the account remains suspended. I followed their protocol to address the issue. It did not work. I am logging in from the original device used and they still are not restoring my privilege. Only auto email response. No humans in this space. No ETA for response. There is a huge opportunity cost in hold people 's money hostage when there is extreme volatility. Should be laws that require exchanges to have a staff sufficient to address client issues. They do n't mind letting you in and collecting fees. They need to honor their side of the deal and provide legit. service. This is causing me great stress and I they can not reimburse me for that.
I have my account set up for electronic draft payment bi-weekly .There charging me late fees no fault of my own, tried to get this straightened out several times. Also submitting principal only payments using mail in coupons using the additional principal only box and they are not being applied for principal only. They allow for both bi-weekly and principal only.
Round Point Morgage company services my loan. I have been affected by Hurricane Harvey by means of flood water. This is my second flood in two years, so i kind of knew what to expect with Roundpoint. When dealing with an insurance claim you must deal with their loss mitigation department. This department handles all insurance claims for the company. To actually speak to one of those agents is almost impossible. I have called more than 30 times and waited on the phone on average of 1 hr before actually speaking to one of these agents. While waiting agents will come on the phone and tell you they in fact work for the department, only to find out after 30 mins not being in that department and cant really help you. They do not have a clear set of rules when dealing with contractor payments and documents needed.They also offered me a plan to " help '' to only pay xxx amount for 3 months then role the balance at the end after a trail payment period of three months. I have since made in full my mortgage payment for a consecutive 5 months only to learn this does not match the trial period guidelines and there may be a problem. This company is very shading and trusting them to do the right thing isn't advised.
This is 1 of MANY attempts with this company. Their last response was a general response, and I want this problem fixed asap. I am writing to dispute ONCE AGAIN about the errors on my credit report pertaining to the inquiries on my file. These inquiries remain on my report after explaining several times that these are not valid. The credit report showed credit inquiries that I didnt authorize. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.
We re-financed our home with RPM Mortgage in XXXX of 2013 and were over charged for Funding Fee.
I have contacted Equifax once a month sinceXX/XX/XXXX after my credit report is updated, using their consumer complaint as well as through XXXX XXXX requesting that a paid closed account be removed from my credit report with no response and no resolution. I was told by the company in which I had the debt back in XXXX to allow at least 60 days for it to be removed. It indeed reflected paid/closed and then ultimately removed from my report by the other bureaus. My credit report shows no activity and no new reports from the Company XXXX XXXX XXXX XXXX XXXX XXXX for this account sinceXX/XX/XXXX when it was reported as paid in full. This item is listed as derogatory, is keeping my credit score under 600 and preventing me from building and getting new credit.
Chase never sent satisfaction of payment to county. This should have been done within 90 days sixteen years ago. We did not find out until we tried to get a home equity loan. This is the only thing keeping us from closing. We have called daily, sent emails and have been lied to. We have been dealing with this since XX/XX/2017. Thank you.
I am a member that was affected by the disgusting and illegal debt collection practices Navy Federal Credit Union conducted. The XXXX ruled that Navy Federal Credit union compensate " members '' that were affected by their disgusting and illegal debt collection practices, such as locking me out of my checking account if I missed one credit card payment. I contacted Navy Federal Credit union to alert them that I was a " member '' affected by their disgusting practices ; and I was told by a supervisor that they would audit my accounts affected and I would receive a letter in the mail. 13 months, and several attempts to contact Navy Federal Credit union about the matter I still have not received a letter nor compensation. My question now is did Navy Federal Credit union contact all " members '' alerting them of the XXXX ruling? Why did I not receive a letter?
XXXX   XXXX   XXXX   XXXX    thr ough its servicer Nationstar Mortgage is continuing to collect a debt that is not owed on a mortgage that the  State Court ha s ruled is not enforceable.