WillisBack/dataset-financial-user-claim huggingface dataset:
My car was reprocessed on XX/XX/XXXX and I contacted 5 Third Bank on XX/XX/XXXX. I never received a phone call or an inquiry as to any past due balance on my account. I contacted 5 Third Bank and I was told that I had missed a payment in XX/XX/XXXX which was over two years ago. I have made consistent payments of XXXX dollars for the last 6 years on my account online from my XXXX XXXX account online and have made consistent payments that posted on the same day of the month. Not only have I made additional payments of the loan, I called and spoke representative to inquiry about my balance and they always stated that they send me my payment history rather then going over my account over the phone in regards to the payments made. I requested several times to speak with executive relations department about my balance and account and I constantly get transferred or disconnected. I had an issue in XX/XX/XXXXof an illegal reprocession and I was never contacted that I missed any payment on my account. The bank claimed that there was a ceased and assist on my account and I requested the recording of such requests since I never requested no contact on my account. I was also told when there was a reprocession on the account that there was no updated telephone number on the account. I gave them my contacted telephone number and I have never missed any consecutive payments other than there was one partial payment in XX/XX/XXXX and I have made XXXX monthly payments for six years. I was given incorrect information and the bank refused to go over my account. Not only was my car reprocessed the second time, I was not given any paperwork from the agent when I obtained my car and I was told that I will receive a notice within 10 days. I spoke to a representative on XX/XX/XXXX and I was told that there was XXXX balance due and I made a payment for XXXX dollars to retain my car and I was that it was payments from XXXX-XX/XX/XXXX. I made a XXXX. payment on XX/XX/XXXX and I being charged for late fee, repo fees and additional fees by third party company and I being denied complete records of my account and constantly getting nasty rude and unprofessional customer service representative who given incorrect information and payments.
Quicken Loans " allows " me to make bi weekly payments, but then states they do not apply them bi weekly to reduce the interest on my loan. This is at the least unethical and deceitful. I want my biweekly payments that they take automatically out of my checking account credited when I make them. My loan was taken out with biweekly payments as part of the conversation with my loan officer so I can pay the loan faster and keep the interest down.
I have been constantly called by XXXX XXXX concerning payment on two accounts. I have answered the recorded message, yet still continued to get called every day. I went home the other day and on my phone message board were 16 calls. out of the 16 calls 14 of them were from this financial institute. The second issue is that they are hold a refund credit that I can not apply to either of the debts owed, nor am I apply to apply the credit card information to the debts owed. ..
I purchased a boat almost a year ago. My due date is on the XXXX, and I have made my payments every month - no exception. My last payment was made on the XX/XX/XXXX and should have satisfied the XX/XX/XXXX payment. Unfortunately, and unbeknownst to me, the billing cycle closed on that day and it was counted in the previous cycle and therefore did not satisfy the XX/XX/XXXX payment. When an associate called to advise that my payment was " late, I was taken by surprise. We had this situation in XX/XX/XXXX of last year because I made a payment on the XXXX. They advised to make payments after the XXXX. They stated that the closing date varies, but that I would be fine if I made the payment after the XXXX. This is what I have done!!! Now we have talked to three associates and they are refusing to correct the posting to the following day so that it will satisfy the XX/XX/XXXX payment. They have given no explanation as to why they wouldnt do it just that they have done it once and ABSOLUTELY will not do it again. Moving the posting date of that payment doesnt negatively impact anyone except for me Synchrony collects interest on the balance of the loan for one extra day at a higher balance. This unwillingness to repost this payment is unfair and deceptive. They know that the payment I made was intended to satisfy the XX/XX/XXXX payment, as they received the XX/XX/XXXX payment on XX/XX/XXXX.

When I asked to speak with a manager, they advised that it would take 3-5 business days to speak with a manager! I MAKE A PAYMENT EVERY MONTH - they should not be attempting to collect the XX/XX/XXXX payment when the payment they received onXX/XX/XXXX was to satisfy the XX/XX/XXXXpayment. They did not correctly inform me of the closing date, and this is their error and miscommunication. Their error could result in negative credit reporting ... this is not fair!! I have made a payment every month!
AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Amsher is trying collect this debt that is not mine.
Nationstar is foreclosing on my home on XXXX/XXXX/XXXX despite the fact that I originally requested assistance from XXXX XXXX XXXX who serviced my 1st and 2nd mortgage. There has been numerous owners of my loan as well as assignments of which I was never given notice, furthermore, the Assignment of Deed of Trust executed on XXXX XXXX, XXXX, shows XXXX as Nominee for XXXX Lender transferring/assigning to XXXX Bank XXXX, the Holders of the XXXX XXXX XXXX Securities, with the Trustee being XXXX XXXX XXXX XXXX XXXX On XXXX XXXX, XXXX, a Corporate Assignment of Deed of Trust was executed for value received from XXXX XXXX as Trustee for XXXX XXXX which assigned and transferred to Nationstar Mortgage. On XXXX XXXX, XXXX a Substitution of Trustee was executed from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX which I received no notice, in addition less than one month a Notice of Default was filed on XXXX/XXXX/XXXX, how could XXXX Nominee for XXXX Lender substitute the Trustee when the loans was transferred to Nationstar prior? XXXX XXXX XXXX who serviced my loan after the fall of XXXX Lender wherein, my loan number was XXXX collected my mortgage payments for years however, I do n't see them on any transfers or assignments, and this point, I feel I have been shuffled around with no one offering any mortgage assistance. My home is currently worth {$600000.00} maybe? I have requested numerous times a principal reduction from XXXX XXXX I currently owe, however, Nationstar will foreclose the property with less money rather than assist me in keeping it.
XXXX  applied for home modification f or 1 st mortgage thru GMAC. R eplied back stating we did not qualified because of Colorado Unemployment status. Instead offerred a Non Hamp Loan Modification Agreement with Debt Forgiveness o n 2nd mortgage also By GMAC. Reviewed agreement, specifically asked if this was a fixed rate interest of 1 percent for the life of the loan. Stated that we were confused because it para. 4 it   states " IF '' a step agreement then the below listed step schedule for increased interest would apply.  XXXX   XXXX  who was presenting the agreement to us stated " No it was not a step rate '' and referred us t o para. 4, 1st sententance that states this is a fixed rate of 1 percent for the life of the loan. If this was a step rate it would clearly state that this is a step rate agreement and the below listed schedule for interest rate increase would be followed. First time Ocwen tried t o increase my interest, I called Customer service and they agreed that this was not a step rate agreement and they would have it fixed. Now beginning in  XXXX  and contiuing to  XXXX  they have determined that the step rate schedule is implied and have raised my payments accordinly. Complaint s to Ocwen has resulted in customer service, their research dept, and Omsbudsman stating that para. 4 definitely states that this is a step rate agreement. That the word " IF '' implies this. No where in my agreement does it say that this is a step agreement or that the fixed rate is temporary for a short period of time. It states if and says it is a fixed rate for the life of the loan.It also states in para. 12 that there are no impied agreements by the lender unless written in this agreement. Ocwen keeps adding words in their r esponse that implies action other than what is written in plain english.
I got an alert that a data breach was found and my info was stolen. I now have a XXXX XXXX XXXX XXXX & a Bank of America credit card on my XXXX XXXX credit report, my identity was evidently used and stolen. Ive lived in XXXX ohio since i was XXXXyrs old n now im XXXXyrs old ... i did not use these 2 strange accounts and they are very recent. Im upset and can provide any info to prove im not guilty of these. I can be reached at XXXX XXXX my name is XXXX..and id like to file a dispute with XXXX XXXX and anyone else for that matter. Now i have to change my password again. Thank you for your time
I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation.
My home burned on XXXX XXXX XXXX. I finally got the insurance check and over-nighted it to DiTech Claims Dept., XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX ; on XXXX XXXX XXXX.  DiTech received the check and marked my loan paid off on XXXX XXXX XXXX. DiTech issued me a check for the overpayment of ( {$62000.00} ) on XXXX XXXX XXXX and I received it on XXXX XXXX XXXX. However, the check had been issued with my XXXX husbands ' name - and - mine on it, making the check worthless. I called DiTech and explained the problem with the check to them. I was advised to over-night the check back to them and given the address. I was told that it only takes 7 - 10 days to reissue a check. I sent the check back on XXXX XXXX XXXX. I received the titles to my burned double wide in the mail on approx. XXXX XXXX XXXX, since DiTech had taken the money and paid off my mortgage. I called Customer Service ( XXXX ), on XXXX XXXX XXXX, spoke with XXXX. I was told that the check was received and forwarded to Payoff on XXXX XXXX XXXX. This time I was told that the check would be reissued in 10 business days. XXXX XXXX XXXX XXXX, I called again and spoke with XXXX. I was told that the claims and payoff departments were arguing over who had to reissue the check. I was told to call back and speak to the claims dept. I did, and spoke with XXXX. After some checking, I was told again that I should have the check in 7-10 days. On XXXX XXXX XXXX, I called again and spoke with XXXX, then transferred to XXXX ( XXXX ) in claims. XXXX said that she was checking with her mgr. and would call me back with more details. * She never called back. * On XXXX XXXX XXXX, I called again and spoke with XXXX in claims and was told that they had nothing about it and to call customer service. I did and spoke with XXXX. She got an attitude with me and said that there was no check. I have been drug around for two months. DiTech has had a copy of my XXXX  husbands ' XXXX certificate since he XXXX four years ago. Our titles said - or - NOT - and-. All they had to do was reissue the check with his name then - or- my name. My granddaughter and I have been drug around enough.This has caused me an enormous amount of stress. This company is intentionally dragging this out. PLEASE Help.
I pulled my report to maintain my profile and this address keeps showing up on my report, I disputed this two years ago. It's also a duplicate with another listed address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
I was contacted by my doctor at  XXXX   XXXX   XXXX  for a follow up. Unbeknownst to me there was not another visit left on my referral. While trying to work through my health insurance carrier I was contacted by mail by SA-Vit collections. Rather than risking my credit I paid the  XXXX  with check number  XXXX . They did not contact me again. This was written on  XX/XX/XXXX    and the next time I heard about this was last month when I applied for a car loan. I paid this  XXXX  by phone on Friday  XX/XX/XXXX . There was no contact between my payment by check and the payment by phone. They never cashed my check but I have a copy.
Navient placed me into and Income Driven Repayment Plan ( IDR ) and kept me in an IDR payment plan without my consent or even an application. Also, according to my credit report, their website, and my account statements, there is a large disagreement on the outstanding balance which has the tendency to change by large amounts on any given month that are not consistent with my payments. Furthermore, the company is not putting any of my payment towards the principle of my unsubsidized loans, just interest. I was under the impression when I set up my auto-pay that I was entering into a standard repayment plan as I know that this is the most financially healthy option in the long run. The company is taking advantage of me and has placed me in a situation that is going to cost way more money. I have asked for a solution and explanations and I was told that someone would look over my account and I have heard nothing else. Why should I be expected to uphold my agreement, when Navient has not held theirs and has hurt me financially in the long run?
Can not receive my free credit report online. I am only able to purchase for a fee. They are requesting validation of identity to provide the online report even though I can purchase it without the validation. I have made online disputes to credit report and they respond to the online dispute, they just will not provide the free report without red tape and delay which causes me to not access the free report. They are using this tactic to make money off of me, in violation of my FCRA rights
XXXX consumer complaint for same issue. 
There was no explanation given why I answered XXXX questions as someone else to obtain my credit report. There needs to be actual communication with me, the consumer, and resolution. It is unfair to close this by saying " it appears you are not being confused with someone with a similar name '' when I clearly am! 

You need to look at the XXXX initial security questions the online site asked. In my first attempt, I could not log on answering the questions as myself. I tried again about XXXX hour later and XXXX of the XXXX questions were geared for my sister in law, XXXX XXXX XXXX. ( XXXX XXXX did you live in 2002, answer XXXX XXXX, XXXX, what was your phone number, all XXXX area code numbers ; I have NEVER lived in XXXX, she just moved from there!! ) I consulted with her and successfully answered them as she advised me. I was then given a XXXX additional security question regarding the type of car I currently own. The correct answer was a Ford Fusion, which is what SHE owns, not ME! 

I agree I was eventually able to log on and check my free credit report the 2nd time answering the questions as her, not me. I do n't believe Trans Union has done enough at all to verify where the confusion IN THEIR SYSTEM is from. Please research, fix it, and advise. Thank you.
On XX/XX/XXXX I made a XXXX XXXX XXXX XXXX Credit Card Payment in the amount of {$300.00} at XXXX XXXX XXXX # XXXX Operator ID : XXXX. The amount I paid for the XXXX XXXX was {$8.00} for next business day payment. XXXX XXXX was suppose the get the funds next business day. On XX/XX/XXXX I received another credit card statement stating that I made the payment late and that I'm being assessed a late payment fee of {$27.00} and interest of {$5.00}. I called XXXX XXXX on XX/XX/XXXX talked with XXXX Operator ID XXXX @ XXXX and he stated that the funds sent out XXXX on XXXX XXXX XXXX did not accept the payment until XXXX and posted the funds on the account XX/XX/XXXX, therefor causing my final credit card payment late. XXXX refuses to reverse the late payments and I have evidence that the dates don't coincide to when that payment was made. XXXX XXXX is aware as so as XXXX.
On XXXX/XXXX/XXXX I discovered I saw a pending transaction on my checking account for {$360.00} from a company called XXXX XXXX - since I havent done any transaction for that amount I tried to contact the merchant with the phone number attached to the transaction. The call went to a personal voice mail - no name -it asks to leave a message .. after 2 attempts- I decided to call my bank and inquire about the charge. The representative informed me it was a charge going through my debit card and went through on XXXX/XXXX/XXXX for {$360.00} ; XXXX/XXXX/XXXX for {$360.00} and XXXX/XXXX/XXXX for {$400.00}. The representative stated not to worry and the bank will investigate and refund the charges back to my account since I havent authorized it and that the charges are fraudulent. He also stated that my account is insured and transferred me to the claims department. The agent in the claims department repeated the same thing and I also found one additional unauthorized charge that went through from XXXX for {$62.00} and disputed that charge and said hell deactivate my debit card and send me a new card. However, on XXXX the bank decided to reverse the charges for {$360.00} that occurred on XXXX/XXXX/XXXX and {$62.00} on XXXX/XXXX/XXXX stating that I didnt report the charges within 60 days of the statement date. I called and spoke with a supervisor with the claims department, XXXX in Ohio and tried to explain to her that if the charges happened in XXXX and I reported it in XXXX it is not over 60 days she insisted that the bank shouldnt refund the money that was stolen from me.
In a form letter dated XX/XX/XXXX U.S. Bank advised me that they have told a credit bureau about a late payment, missed payment or other default on my account. This notice was forwarded to the credit bureau by U.S. Bank over XXXX cents. Yes, XXXX cents. I just wanted to put this report in proper context. 

On XX/XX/XXXX at approximately XXXX hours I contacted U.S. Bank by telephone. The third person I spoke with identified herself as XXXX and stated she was a manger. She later provided me with a direct telephone number of XXXX. I gave her my payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I explained that XXXX XXXX payment was due XX/XX/XXXX. I did not want the payment to be late, so I made the payment on XX/XX/XXXX. She stated it looked like U.S. Bank applied two payments to the same month. She stated that the matter was completely 100 % the banks fault and that she would file a dispute with U.S. Bank on my behalf. 

The story changed when I received a second letter from U.S. Bank. This letter stated that my payment on XX/XX/XXXX did not satisfy the amount due on XX/XX/XXXX because the payment was XXXX cents short. The letter stated that this left my account past due and a late fee was assessed on XX/XX/XXXX. The letter stated my payment on XX/XX/XXXX satisfied the payments due on XX/XX/XXXX and XX/XX/XXXX to bring my account current. 

Please note that I have been a customer in good standing with U.S. Bank for several years. I have both a home equity loan and a mortgage with U.S. Bank. I never received notice that my payment was XXXX cents short. I was not provided with an opportunity to pay the XXXX cents before I was charged with a late fee and reported to the credit bureau. I made a payment to U.S. Bank for over {$350.00}. Again, it was XXXX cents short. 

The third letter I received from U.S. Bank stated, the account information submitted by U.S. Bank to the consumer reporting agencies was accurate and no changes will be submitted. I believe U.S. Bank has treated me shabbily. I wanted the opportunity to put any generic statements via form letter the bank made in proper context. My FICO score has dropped considerably and I hope you will consider my position
I called Experian hundreds of times over several months and Experian continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told Experian the XXXX accounts were closed. Experian insulted me when I called and refused to remove the inaccuracies even though all 10 XXXX loans are closed. Experian denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to Experian that they were violating FCRA and they just hung up in my face.
I filed a dispute and requested a removal from TransUnion for tax lien on my credit report in that not only was it reported incorrectly due to a refund for those years of income tax returns, but I also have an old bankruptcy that would 've removed any balances if there were any. TransUnion in turn reported that the public records were released due to bankruptcy and this incorrect as well. When I contacted TransUnion again, they informed me that not only will this remain on my credit report for seven years even if it is a mistake, but in order to get this removed, I would have to contact the XXXX Country record of deed to request them to remove the information. I informed the representative that I have proof directly from the State of Michigan which is who reported to XXXX County to report to you ( TransUnion ) that this bill is incorrect and should be removed. TransUnion representative would not provide me with the information that states how they investigated this information to be accurate to continue to report on my credit report.
I had an account with XXXX XXXX that was closed as a paid charge off back in 2007. Recently I acquire another XXXX XXXX card and they are mixing both accounts and adding them as the same XXXX. I have never been late on my XXXX account and the charge off should had been taking off as it is passed the 7 year expiration marked. They are confusing these and this is making it impossible for me to get a mortgage. They need to fix this immediately by removing the old charge-off account. I am attaching the most recent statement.
XXXX XXXX commenced a lawsuit through the Law Offices of Howard Lee Schiff. P.C [ Schiff Law Office ]. in XXXX XXXX to collect a debt that had already been paid. XXXX XXXX 's law firm obtained a judgment improperly and executed on my bank accounts. When later presented with the proof by my attorney that payment on the balance had been made 2 years previously in connection with a home loan refinance, XXXX XXXX and the Schiff Law Office ignored the efforts to reach a resolution of the claim.
On XX/XX/XXXX I called XXXX to remove inquiries that I did not authorized. I spoke with a XXXX XXXX that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another XXXX XXXX received my call. I explained to her what happened and how the XXXX XXXX was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other XXXX Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other XXXX XXXX was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted TransUnion on XX/XX/XXXX and spoke with a XXXX XXXX who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX on XX/XX/XXXX whom as well told me the same thing TransUnion stated except they put a XXXX alert on my credit file and still wouldn't help me with these unauthorized inquiries.