WillisBack/dataset-financial-user-claim huggingface dataset:
Back On  XXXX !  XXXX ,2017, I Sent Out A Letter To Equifa x Credit Company, As O f Today I Have Not Heard Or Recieved Any Notices From Them. So On  XXXX   XXXX ,2017 I Again Send Out Another One .All I Want Is For Them To Updated all My Information, Which Some Of Is Out Of Dated, My Personal Information, That Needs To Be deleted Is Some Address And Phone Numbers And My Name Which They Are All Wrong..I Did Send Them Proof I Send  XXXX  Document To Proof My Name And Address ..Till This Da y I Have No t Heard From  Them.And Also I See  That They Keep On Adding Negative Report And The Hard Inquierier From Companys That I Don '' t Know. We All Have Rights And Right Now I Feel That This Should Be Investigated .Iam Trying To Fix My Credit And I Hope Your Company Can Clear Up This Issue ..I Do Have Copyed Of The Letters That I SendThem.. Thank You,  XXXX   XXXX
I filed bankruptcy in  XXXX   XXXX , since then  XXXX  has continued reporting my account as late/past due and missed payments in  XXXX ,  XXXX   XXXX , J  XXXX     XXXX . I contacted the bank directly and they told me they would reach out to their credit card program, have them update the status of the account and then reach back out to me with confirmation that this had been completed. It has now been a week and I still have not heard back from  XXXX , and I pulled a fresh credit report today and the information is still showing in a negative status.
On XX/XX/2018 I received a loan from XXXX XXXX XXXX in XXXX, Texas. I was invited to come pick up my {$5000.00} check, but was told I needed to give them my Title as collateral. The invitation I received from them stated I qualified for the the {$5000.00} loan because I have worked hard to rebuild my credit. 
I was told by the branch XXXX XXXX XXXX before I could obtain the {$5000.00} loan, I would have to lower my Automobile Insurance deductible from {$1000.00} - {$500.00} thus leaving me to pay higher premiums throughout the entire loan- until paid. I contacted a friend who studied XXXX law, and stated that was a violation under business profession XXXX XXXX. 

I also had the branch XXXX remove other services that were added to my contract, and he removed them and gave me a form showing he removed those extra services. HOWEVER, as a consumer I'm entitled to a complete and accurate Written contract that shows what I am am paying for, and the services that I agreed to. 
The written contract I have is old and not current, it still shows the services that were removed and these services are still drawing interest. I would like for The XXXX XXXX to meet with me and write me a correct and accurate Contract and removing the services from the contract that he agreed to remove.
American Express made a " hard pull '' on my credit bureau ( I checked with XXXX ) for a credit card replacement. I did not apply for credit. 

Spent 4+ hours straddling between Amex Cust service and Amex Cedit Bureau division. One department would send me over to the other in a seemingly perpetual loop. Finally, XXXX from the Credit Bureau dept. asked that I send a fax to their investigative team. I did not hear back.
I was working for a man who sent me a check. I deposited the check, and he asked me to make XXXX payments to an " art supplier '' by the name of XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX # XXXX XXXX, OK XXXX. I sent her {$1500.00} and {$1200.00} through MoneyGram on Saturday, XXXX XXXX, 2015 from XXXX separate locations. The following Wednesday, XXXX XXXX, 2015, I looked at my bank account and the check that my alleged employer sent me had been returned, thus putting my bank account in the negative balance. Once that had happened, I received another check for the same amount, so I took it to the bank to see if they could call and check the validity of the check, and they called the other bank and without even providing the checks information, the other bank told my bank ( XXXX XXXX XXXX ) that it was most likely a fraudulent check. After seeing that, I went to the police department and gave the Officer all of my documents, emails, and texts. They told me this has been happening more than you would think, and that the bank should work with me so I do not have to pay for the fraud. The bank submitted a dispute of the charges to MoneyGram to try and get some, if not all of the charges back. They also told me to contact MoneyGram and see if they have the information from the person that picked up the money as well. I will also upload the receipts from both MoneyGram money transfers as well as the Police 's Case #.
I lost a home to foreclosure in XXXX. The last payment that i made was XX/XX/XXXX. This is reflected on my credit report. This is accurately reflected on Credit Report provided by Tansunion. This is also reflected on credit reports provided by them, to me in XXXX. 
Yet Trans-Union continues to report late payments of 180 days on a mortgage that is now over 10 years old. On XX/XX/XXXX I first spoke with XXXX, then with her Manager XXXX XXXX, who explained to me that until XXXX XXXX XXXX reports the information using the correct term " date of first Delinquency '' rather than " date of last payment '', this will remain on my report indefinitely. Date of first delinquency is XX/XX/XXXX if last payment made is XX/XX/XXXX. But because that exact phrase was not provided i am told the information is accurate. 
I also called XXXX XXXX XXXX, but after being transferred from 3 different departs, i was sent to a dead connection. This information by law should have been removed no later than XXXX, yet it continues to report today and apparently will always be on report. They have the info needed to correct but refuse to do so. Its crazy that such an incompetent company has so much power over a consumers financial future. continues to cost me thousands of dollars in over interest rates and refusal of credit. 
The other reporting agencies each removed this information yet Transunion continues to report outdated information and say they will do so indefinitely. Those are their words not mine
Please see the attached complaint made to the NY XXXX  regarding XXXX. After several months delay the issues remain and instead believe this cases handling used to compel XXXX XXXX amidst efforts by those to take advantage of XXXX XXXX   system in takeover attempt of commercial projects. The timing appears connected to a block chain and due to ediscovery innovations linked to my accounts not sure if there are overlapping ip issues beyond the original issues complained about. Not satisfied with the NY XXXX  handling. Shortly after they issued the NY XXXX  issued a message on Virtual Currency 's that was general on fraud and manipulation of virtual currency. Some of the issues extend to blockchain and smart contracts also which XXXX encompasses. However the specific handling of my own matters not appropriate. Please see attachments.
I informed the colection agency that at time of service, I was, covered by XXXX XXXX and VA emergency service. They. Still insist I owe the sum! Put a lien on my property some how with out my knowledge! Never notified of court proceeding.
I have contacted TransUnion twice regarding Inquiries on my account. On XX/XX/2016 someone was trying to open XXXX different credit accounts using my information. they were XXXX. XXXX XXXX XXXX and XXXX. I 've indicated to TransUnion that I 've been a victim of identify theft and that the alleged inquiries were not mine. I contacted the creditors and was told that I needed to contact the Credit Bureau and have them remove the inquiries. Apparently, they only removed one ( XXXX ) but are refusing to remove the other XXXX that are still on my report - bringing my credit score low. These inquiries were fraud, as they all occurred on XX/XX/XXXX. I 'm tired of contacting them and getting no results.
Ditech mortgage company failed to get in contacted and in writing with XXXX and XXXX XXXX regarding mortgage payment changing. XXXX and I learned on XXXX XXXX,2017, that we were in a debt collection due to tax impound changes these changes happened on XXXX XXXX  2017. On XXXX XXXX2017 XXXX stated from ditech that they assumed that they were in contact with XXXX XXXX on XXXX XXXX, 2017, but apparently they were speaking to our bankruptcy attorney regarding our changes. I XXXX and XXXX XXXX have paid our mortgage thru our checking account bill pay this entire time because I could not pay them thru there web site due to to our Chapter XXXX again Ditech never send us correspondence nor did Ditech leave any messages regarding these changes to our mortgage account. I sent a certified letter to Ditech on XXXX XXXX,2017 which they received the letter on XXXX XXXX,2017 with our concerns on how we wanted our credit to be back on good standing with all three credit bureaus and that all late charges be reverse due to poor communication. Best Regards
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report
There is an inquiry from comenity capital/dent on XX/XX/2018 showing up on my Equifax report that is not mine..I wrote Equifax a letter and never received a response in regards to the inquiry in question.
Citimortgage and I were working on a loan modification to lower my payments. After sending in everything they requested they kept calling me every XXXX months telling me they needed me to send it in again. After almost XXXX years I told them they have what they need to make a decision and I would not be sending anything else. If they wanted the house I would do a deed in lieu. They told me they did n't want the house and they sold the loan to a collection agency. I had to file bankruptcy and we ran my credit report and found out that Cotimortgage was running a credit check on me approx. every XXXX months lowering my credit score without my permission.
In XXXX 2016 I made my bank payment to my mortgage company freedom mortgage I called to see if they have received my payment and they told me that even though I had sent it in if it 's not registered they were going to mark me late I went to XXXX and got a loan for my car so that I can make a wire transfer to them that same day they sent me a letter saying they had received my payment but they still mark me late the XXXX credit bureaus after sending them my information and asking them to remove that from my credit they refused to do it I have lost the opportunity to refinance my house and my credit score went down I got into debt with XXXX because of this I want my credit cleaned and {$10000.00} back payment
I received a letter from XXXX XXXX XXXX threatening me with a lawsuit even though I told them not to contact me again without a proper validation letter as required under FDCPA. They contacted me anyway and are trying to coerce me into paying debts I do not owe according to the law. In addition, the debts in question are invalid because 1 ) the original providers sent me bills more than two years after I was seen and therefore missed the six-month Good Filing Deadline, and therefore according to regulations these charges MUST be written off ; and 2 ) I was under XXXX and was taken involuntarily to XXXX XXXX Hospital on XX/XX/XXXX, 2013 and therefore the state is responsible for paying the bill, not me ; that is an established fact of law.
I had a XXXX XXXX credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. XXXX XXXX agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to Hannah and Associates. I did n't want to go to court so I set up payments with Hannah and Assoc. I do n't if that is what I owe them. I never received a letter from XXXX XXXX saying they were turning my account over. Never received statement from XXXX XXXX and never received anything from Hannah and Associates as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX XXXX XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.
I have enrolled Equity Acceleration Program of Paymap since XXXX 2012. I just found that CFPB has taken action against Paymap and urged Paymap to refund money to consumers. I have not received refunds. Please help, or let me know where should I claim.
Issue # 1 LoanCare just acquired this loan from XXXX They never send me any mail information to my address I had with XXXX. 
However, my payment was on auto pay with XXXX and never had no issue with them. 
since Loancare acquired I been having some many issues. 
loancare purchase my loan and with in the first 2 months they report me late 60 days then went ahead and called, spoke to a rep some many time and some email I send them they will not give me wherever information they have about me in they system I went ahead instead I give them my information that I give to XXXX. 
I gave my credit card information to set up auto pay and pay the 60 days " late '' i asked the costumer representative many time to make sure this will not impact my credit score she said " no you are not late yet '' gave my credit card information to pay new account with loancare Charged for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
However, LoanCare reported my mortgage 60 days delinquent. 
I called LoanCare and was told to send this email in order to have this mistake corrected they refused to fix my credit report. 
Please help correct this error right away as i need my credit score accurate in order to finance a car. 
Issue Number # 2 Loancare REFUSES to pay For my insurances for the property. 
Property has XXXX units XXXX different property address with the same parcel number. 
I also talke to them many times and they keep saying we are sorry we only purchase XXXX unit and that what we are unsurance. the property is XXXX unit and XXXX units attached they will not pay for the insurance of the XXXX units attached. 
the Property has been with out insurance for the past 8 months. 
Thank you for your attention to this urgent matter,
I paid ditech extra money to set up my mortgage payment on an automatic withdrawal from my savings account. this withdrawal was to take place bi-monthly. Twice now ditech has withdrawn the wrong amount or no money at all. The first time this happened they did not take out any money and assessed a fee. a week later they attempted to take the mortgage payment plus the fee. Not once but three times causing my bank to assess me a XXXX fee for each occurrence. Ditech representatives told me in multiple phone calls that my overdrafts fees would be reimbursed. They never so. This month on the XXXX of XXXX Ditech was again scheduled to take half of my monthly mortgage plus and extra XXXX for the principal. This withdrawal was never made and a XXXX fee was assessed for non-payment. After numerous phone calls over a period of days I was promised that this situation would be resolved and the non-payment fee removed from my account. Friday the XXXX of this month I received what amounted to a collection notice from Ditech for non-payment and an addition XXXX in fees had been assessed for non-payment. Thus far I have made several attempts with Ditech representatives to resolve this ongoing situation. Every supervisor I have talked to has said that they would make a 'Request ' to their supervisor to get this situation resolved. Thus far nothing has happened and I am now in fear that Ditech maybe trying to set me up for a foreclosure. My wife and I have good credit. We pay extra on the loan balance in order to pay the loan off in a shorter amount of time. and we have never missed a payment. the fact that Ditech is assessing non-payment fees and sending me collection notices after their own refusal to take the money out of my account as they have done so for many months in the past is fraud
Hello, I am paralegal in the Consumer Law Program at XXXX XXXX for XXXX XXXX. 

I have been trying to reach Mr. Cooper XXXX formerly Nationstar Mortgage ) on behalf of a client. 

Relying on the contact information at https : //www.mrcooper.com/contact_us, I called the customer service contact number, XXXX, to discuss our client 's account on XX/XX/XXXX. 

The recorded information is in XXXX. There is no option to select another language. 

After punching # or XXXX several times, I was eventually transferred to a representative who, although greeting me in XXXX, also spoke XXXX. I explained to her what had happened and she told me that she would inform the appropriate Mr. Cooper staff. 

I tried again calling last week and today, and there is still no information offered in XXXX, so I am unable to assist our client.
Hi, In XX/XX/2017 my husband referred me to open an AMEX SPG Business Card. Since I have a XXXX XXXX and own a XXXX XXXX I thought it could be a good idea to try to keep expenses separate. I used his link, applied and was approved for the card. The offer stated that I had 90 days to spend $ XXXX to receive XXXX SPG points. I received the card in XX/XX/XXXX and used it right away to pay some expenses. I spent $ XXXX by the middle of XX/XX/XXXX and waited for the points to post. Normally, bonus points post the next cycle. After not seeing them post, I called and inquired. They opened up a case and said it can take 6-8 weeks. I inquired every now and then via chat and was finally told in early XXXX  that I was not eligible. I asked why and was told it was because I had the card before. I informed the customer service representative that I have the personal card and not the business card. I asked what date does it show me having the business card and he could n't tell me. He checked via my SSN number and agreed that I never had the card before. He said he would open a new case, but it should be resolved quickly. Thinking it would be quick I called a few times in XX/XX/XXXX. Last week I spoke to a supervisor. She told me that case is still open, but it would not go in my favor since my offer states a bonus is not available to those who had the same product. Again, I explained I have the personal card, but I never had the business version. She said they are the same and there was nothing she could do. To be honest, my husband and I love AMEX. I use the SPG cards and he does as well, along with his Blue Cash Preferred. Their customer service has been terrific except in this case. For some reason, they refuse to honor their agreement and provide the bonus SPG points.
Prepaid Card Services of US Bank indicated to me by letter ( attached ) on XXXX XXXX, 2017 that I would receive a check for US {$500.00} in a period no longer than 10 days as a refund of the stolen money to my card finished in XXXX. 
After waiting 45 days, the check for {$500.00} was never sent. Since I do not know what problem they could have to send the check, in order to solve this problem.
This was escalated to claims with a complaint on  XX/XX/XXXX . My son deposited a check in his  ( min e joint ) checking account with Bank of America for {$400.00} in  XXXX   XXXX . He did this physically at the ATM. Before that happened he took a picture of the check and it failed to deposit so that is why he took the physical check to the ATM. He received his {$400.00} and never anything more this was in  XXXX  of  XXXX . In  XXXX  of  XXXX  he gets no warning what so ever and the BOA took that {$400.00} out of his account leaving him negative and without any $ $ going on a week now. BOA states they sent a letter after the money was taken from his account but we have not received it. I have called the bank several times and each time I am on the phone re-explaining my story over and over with no help. My calls are lasting anywhere from 40-60 mins. Instead of listening to me they keep trying to tell me the check image was not clear ( mobile picture ) so it was returned and the $ $ taken back. The problem being the mobile deposit did not go through we never received an extra {$400.00}. We only received on {$400.00} deposit from physical check. This is absolute insanity. This caused the account to be negative and left us with no $ $ in the account for almost a week now. I am utterly disgusted with the inability to trace back the circumstances and get my account credited in a timely manner. As of this write up I am still waiting for a resolution. They have been incompetent and have caused financial distress. I am disgusted! I can be reached at  XXXX   XXXX   XXXX . Thank you.
I called lawyer office on XXXX/XXXX/16 ( wed. ) which was recorded and told them I would be mailing a notice of the debt being beyond the Statues of Limitations in MI. The phone call was recorded and I told them not to contact me and she said she 'll put a cease and desist order effective that day. 4 days later I was served with another summons to appear in court on XXXX/XXXX/16. When I tryed to get the recoded conversation on XXXX/XXXX/16 it was told to wait until I talked to a supervisor. She returned and said she cant give me that information which violates the cease and desist order I placed per telephone if I can recover the phone conversation
On XXXX/XXXX/2016, I went to Santander bank branch located at the following address : XXXX XXXX XXXX, XXXX, MA XXXX, to open a Simply Right Checking account. I chose that branch because I work as a consultant at a company located close by. A gentleman named " XXXX '' helped me with the process, up to a stage when he had to get approval from another department over the phone. I left the branch since we did n't get an answer immediately. He called later that day, saying my application was denied and did not provide any explanation when I asked for the reason. 
On XXXX/XXXX/2016, I called Santander customer service to inquire about the reason for my application being declined, since I strongly felt that it was a discrimination due to my nationality ( XXXX ), and they wanted to avoid me as a customer to save themselves the headache of having to deal with a customer whose origin is a sanctioned country. This is despite the fact that I am legally working here in the US and have SSN and bank accounts at other banks. 
I was directed to talk to a lady named " XXXX XXXX '', who I believe was a customer service representative. She was extremely unhelpful when I explained I have complaint. She directed me to go to the branch, even though I explained the branch did not provide any explanation and instructed me to call customer service. After some discussion, she decided to try to open an account over the phone, but then again, she was impolite in the way she would talk to me, raising her voice when I challenged her answers. At some point in the application process, she asked weird questions that had nothing to do with my application, something like " What is the astrological month of your birth '' which apparently required knowledge of mapping calendar months to those months. I provided my date of birth but explained that I can not understand why I am required to have that kind of knowledge to be able to open an account. She simply said she can not help and I should choose one of the options, and obviously my application got rejected for that reason! 
I feel it was a case of discrimination against my nationality and I hope to get a clear answer for that. What bothers me that they are not willing to express the reason for declining my application, which I think is my right as a customer.