WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/2016 I was contacted by my mortgage company XXXX Mortgage about refinancing my VA loan. I was told by the agent that I would not have a payment in XX/XX/XXXX and would have my next payment on XX/XX/XXXX But I was also told not to skip XX/XX/XXXX thus leading me to believe that I would still have a 30 day grace in skipping a payment. Now the company is saying I should not have been told that by the agent or the closing agent. I was assured this was the case and now that the loan is closed it was all a lie
Please read the attached documents outlining my concerns and response to  Dovenmuehuel  Mortgage. I have been put 30 days past due  in all  XXXX -credit bureaus and  XXXX  for a problem the   XXXX   XXXX   XXXX   XXXX  has owned up to and provided me with a letter to submit  to Dovenmuehuel.    Dovenmuehuel refuses to remove the derogatory information from my credit reports, and this has destroyed my credit worthiness and score respectively. After numerous conversations with Dovenmuehuel, I  have been told to live with it, because they do not have to change anything in my credit report because it is correct, regardless of the fact that another financial institution created the mistake.     I am in desperate need of assistance here. Thanks to  XXXX , with CFPB, she coached me on how to submit a complaint and work to get this matter turned around.      Dovenmuehuel has destroyed my perfect payment history with the credit bureau, along with my credit score. Because it is a VA mortgage and now shows 30 days past due one-time, I can not even refinance at a higher interest rate just to move my mortgage away from Dovenmuehuel. It is sad that the se high-powered institutions can destroy your credit and your life overnight, and laugh about it as it happens.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX .
Atlantic credit has called many times late at night and today ( XX/XX/XXXX) called my work a little after XXXX, which I believe is not allowed by law and also could get me in trouble and/or fired. When they call my cell phone they do n't leave any voicemail. They just keep calling. I wo n't answer 800 numbers because of all the scams out there. Then today I get a call at work and a letter at home stating they are going to send an attorney after me.
There are several issues which i have documented. Firstly, the amount I was charged was incorrect. Second I tried to pay numerous times over the phone and could not. I was hung up on and the line was disconnected. Since then the rates and terms have changed monthly. I was offered a better rate and took it and was charged MORE. It took 6 months for anyone to respond or get back to me. I have had to file XXXX XXXX complaints in order to get a response. I was given credit for fees and then they were rescinded. I was told they have been applying my payments incorrectly and added MORE to my account. I have had it for two years and made my payments regularly ( when they would answer the phone or accept them. They wouldnt take mail checks ). I recently tried to call to pay again last month and was told that my account was being researched and she couldnt accept payment. Every month I receive an email statement and mail paper statement. They never match and the money amount owed is always different.I recenely recieved an email stating i owed more because they had made a mistake, it makes no sense. No one fixes things and the terms are not what I agreed to nor am I being contacted when they change. They are just adding illegal fees for their mistakes and lying when i call to ignore. I called the back who believes they are committing fraud and stopped them from taking monies from my account.
Fake fees " XXXX XXXX '' where on bill. I call AmEx XXXX to remove charge. They refused. I canceled credit card and next month that charged me the same kind of fee again even after card was closed.
My issue is that my Target Red Card account was put into collections and closed after I sent a check to pay off my account in full and on time on XX/XX/XXXX. This was sent through the US mail and should have been processed in Target Red Card 's payment facility soon thereafter. In the time leading up to my account being closed and put into collections, I thought that my account was paid off. It seems that either the check did n't make it to them or was processed incorrectly. I received NO phone calls and NO collection notices. If I had realized it was n't paid off, I would have made it right immediately but there was no due diligence in my opinion to inform me as the consumer at all. You will see that as soon as I became aware of the balance I paid in full on XX/XX/XXXX. I provide this not to justify why the account was unpaid, but rather to show that it was not an issue with not being able to pay or managing my credit. This looks to be an error at the post-office or at their payment facility but they refuse to hear me out and only respond with form letters that clearly do n't even speak to the issue. I hope that Target Card is willing to work with me on erasing this mark from my credit reports and reopening my account that has been in good standing since XX/XX/XXXX.
On XX/XX/XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XX/XX/XXXX which took care of what I was past due prevously. I told him that I could go in on the XX/XX/XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.
I was scammed by a person that was supposed to help me pay my credit card off. He gave me this bank account information and told me which amounts to take and pay off my card. The first payment he had me pull from the account was {$3700.00}. The second payment was {$1000.00}. He wanted me to buy 10 XXXX gift cards with the last payment that was posted on my account. When I questioned him, he got angry and told me he also needed steam cards and a cash advance. A couple of days later the payment was reversed. I told him Chase could not find the funds. He called Chase a liar. I called my bank, Chase, to tell them that I got scammed and that the payment may not go through and wanted to cancel the payment. The call was placed on XX/XX/18 around XXXX. The rep stated she would note the account and I would only have to pay a reversal payment fee. The rep did not note the account but there is evidence of the call and she was looking at my account at that time. My Chase Freedom credit card got closed XX/XX/2018. I have talked to three reps at Chase since and they all told it that I was committing fraud and I could not get my card reinstated. I have emails and text messages as proof. If I was a criminal, I wouldn't be in debt. The scammer 's bank account is with XXXX XXXX. I looked online and I am not his only victim. Apparently, they are located in XXXX.
I called American Education ServicesXXXX for approximately a year to ask about getting a lower payment plan and I was told contradicting stories. I would call and was told that I did not qualify for any lower payments. Then, I would call back a couple of months later and be told that I could apply for a lower payment plan. However, when I would call to check the status of the payment plan, I would be told that I was given incorrect information. I was even given an application I was told to submit for a lower payment plan but, XXXX kept denying my application for failure to put " N/A '' in the blank spaces. My application was denied 3 times for failure to use " N/A. '' In the meantime, my account was falling past due and XXXX referred my account to a debt collector. The debt collector found my work information and left a voicemail on work phone. I had not provided XXXX any information about my employer and did not give them or any other third party permission to call me at my job! When I called the debt collector, I informed them that I had paid my account via XXXX and that they did not have the updated information. When the debt collector conferenced XXXX into the call, the XXXX agent confirmed that I made a payment but, then the amount that I owed changed. I also asked XXXX if they informed the debt collector that I had been calling XXXX asking for help in reducing my payments and asking if I could get help catching up and if XXXX had also informed the debt collector that I kept getting the wrong information and having my applications denied from XXXX. The XXXX Agent 's response was that there was absolutely nothing they could do for me and that I would have to leave my account in collection and then wait for XXXX to make a decision on my application. After the phone call, I called XXXX directly and asked about a payment plan once again, the XXXX agent told me that she reviewed the notes on my account that the agent from the previous call had told me the wrong information about not having any options. She told me that I had the option for a lower payment plan and said she would only need to read a disclaimer before I could be put on the plan. It was only after continuously having to call XXXX, having them send my account to collections and having them play games with me for a year, that I was able to get some relief. My credit has been ruined by XXXX and they seem unwilling to work with me often. I do not think it is right how this company lied about my options and my credit has suffered as a result.
After sending information to verify myself with my disputes by means of a Credit Repair Organization, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX XXXX   ****XXXX not mine XXXX ****XXXX not mine XXXX ****XXXX not mine
Credit Karma Inc. / CreditKarma.com Complaint I reside at an RV park in Texas. The General Manager of this park contacted me and informed me that he had received information from CreditKarma.com, doing business as Credit Karma Inc., that I had registered a vehicle to the park address which is against their policy. I have not registered a vehicle to the park address. I informed the GM of this. I contacted Credit Karma Inc. via XXXX  which is the only way to contact this company, as they have no phone number or mailing address publicly listed, and requested that they disclose any information in their database related to my identity. I understand that the Fair Credit Reporting Act provides me the right to have access to my personal information in a companies database if that information is to be used for the purpose of credit reporting or screening my identity. Credit Karma Inc. refused to disclose my information and attempted to elicit further information from me by claiming that they required names and email addresses that I have used in the past in order to verify my identity.
I sent a fax and police report to Chex Systems last month informing Chex Systems that I 'm a victim of identity theft and someone stole my personal information to open the following checking account with XXXX XXXX XXXX # : XXXX. The checking account is fraudulent, unauthorized and do n't belong to me. I have never open or had a checking account with XXXX XXXX XXXX.
My mortgage servicer started accepting payments in XX/XX/XXXX after requiring that I restructure my loan.I was only 2.5 month behind in XX/XX/XXXX but they refused to accept any payments once I got back on my feet and drug the whole process out until XXXX. 

Even though I have presented them with proof from their own website that all of my payments since XX/XX/XXXX have been on time they did not correct the reporting error on my credit report. I was even told by a staff member that it should be corrected but after numerous phone calls ( most of which were recorded ) and a very detailed letter accompanied by supporting documents they have not corrected this obvious error. 

Where as I have been current since XX/XX/XXXX my reports show that I did not make a payment until XX/XX/XXXX. 

I can prove my claim with bank statements and a printout from the servicer 's own site.
there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance O .. from 13 years ago.. creditor closed my account was never late. 
XXXX/card- bal o reported 11 years ago XX/XX/XXXX card was stolen .. closed still on report. never late. 
Transunion and XXXX reporting these accounts. they need to be removed..
XXXX XXXX creditor, revolving charge account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX to resolve this matter.
Pinnacle Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
We applied for a $ XXXX mortgage loan XXXX % down from Umpqua Bank. Despite more than adequate income to make payment, excellent FICO score ( XXXX ), and prior home purchases involving Umpqua , the requests for documentation went back 4 years and were both intrusive and onerous. We understand all these loans get sold to XXXX and XXXX XXXX, but my understanding is that conforming loan documentation typically only goes back 2 years. Why the need for so much information and red-tape?
Made payment arrangements but XXXX XXXX XXXX agaent did not inform me that at the end of the first payment arrangement another would need to be setup. I ask for phone records but they did not comply with my request to listen to the conversation. Instead they gave me their findings without my involvement.
I'm a victim of identity fraud dating back from 2015 I had no clue a capital one card was taken out in my name. When I found out I called Captial one and has disputed this account many many times and they won't remove it. I've added fraud alerts and identity theft alerts and this account is still reporting along with XXXX and XXXX XXXX XXXX. I've never taken out any of these accounts. Please help me rectify this it has harmed mine and kids lives for years I'm tired of being denied and turned down for something I didn't do.
On XX/XX/2018, I purchased two ( 2 ) airline tickets on XXXX XXXX. ( {$670.00} ) The date of travel was XX/XX/2018, the itinerary came back with the wrong dates, XX/XX/XXXX. I am positive I put in the right dates. Why wouldn't I? As soon as I received the itinerary, I wrote XXXX and asked " what is going on, please help. '' No response. I wrote again within minutes and asked to cancel and for a full refund. There is a US Department of Transportation ( DOT ) directive called the " 24 hour rule '' that states any passenger, foreign or domestic, may cancel within 24 hours without penalty. ( I will attach this ). I attempted to cancel on the website and received a response that I had to contact them by phone. Two numbers were available, one for calling if in XXXX or one if in XXXX. I immediately called Chase to dispute on XX/XX/2018 and was told that the charge was processing and it couldn't be disputed yet. I expressed my concern that they are dealing with a foreign country and it might be difficult. Chase said it would be no problem and that I should wait and contact them after it processed. I disputed the charge twice now with ample documentation, including my request to cancel within 24 hours, XXXX ignoring my request for two days only to send me a form letter stating they received my request and confirming my reservations. During at least two months of disputing the charges, my credit card number was changed and when I went to check on my dispute, Chase had closed the dispute and further lost all my documentation. Upon speaking to a supervisor, she was able to find it and agreed to reopen the dispute. Meanwhile, I again cancelled again and was told that there would only be a refund of {$84.00} per ticket, of which there were two. I next on XX/XX/XXXX, received an email confirming the flight on XX/XX/XXXX to which I responded that I had tried to cancel twice. XXXX immediately sent me a response with instructions on how to cancel. These instructions would have been handy on the first day ( 24 hour period ). I then sent the first six digits and the last 4 digits of my credit card as requested to cancel the tickets as well as a comment that this was my third attempt to cancel.. I received an email from XXXX asking if I wanted to cancel one or both. I responded " cancel both ''. One XX/XX/2018 on the date of the flight which I didn't book, I received an email that since I didn't cancel I was a no-show and no refund would be forthcoming. 

Chase has received all the email threads, the DOT directive and has now told me that the XXXX merchant agreement overrides the DOT directive even though it is listed on XXXX ; s website. The fact is, they told me, they can't get XXXX to pay them back so I am left owing the money. I told them in the beginning, they would likely have a problem with this. I have filed a complaint with the DOT against the airline and am now filing with you for the bank. I read that the bank has the right to withdraw the funds from XXXX if it rules the dispute to be valid. Chase basically is refusing to rule in my favor and withdraw the funds.
We applied for a loan modification in XX/XX/XXXX with Wells Fargo, and had to fax the information over and over to different case workers. They responded : ca n't help you unless you stop payment. So we stopped payment. They simultaneously agreed to work on a modification AND put us in to foreclosure proceedings. More faxing ( with ridiculous deadlines every time ... the stress was indescribable ). More names of new customer service reps over and over. XX/XX/XXXX, they modified the loan BUT NEVER TOLD US. We were forced to short sale XX/XX/XXXX - that 's when we found out about the loan modification ( that they never advised us of ). " You mean we could have afforded our home??? '' Too late. Interestingly, the national mortgage settlement paid those who lost their homes before XXXX/XXXX/XXXX. And these abusive practices became illegal in California starting XXXX/XXXX/XXXX. Our loss landed between those XXXX dates, XX/XX/XXXX. We seek justice and have documentation. Of course, the toll it took on our family ca n't be documented, unless you count the scrap of paper I found under my son 's pillow. It said, " My wish. To go into my old house just one more time. '' He took it pretty hard. He was XXXX.
I have noticed Wells Fargo has been reordering the order of my transactions to maximize overdraft fees on my checking account. This happens on a daily basis. Transactions over five days, will load at once a week later so my balance is never accurate. Furthermore, my deposits are greatly delayed so that I will also continue getting overdraft fees for days until the " pending deposit '' is applied. The general point, is Wells Fargo is manipulating the order of transactions, when transactions are applied to the account, and when deposits are applied to the account to ensure the maximum amount of overdraft fees.
Received call from XXXX XXXX at XXXX saying I was suppose to call XXXX. She could n't tell me why and did n't even know the name of the company she was working for. I called the XXXX and it was with a lady named XXXX XXXX saying she was from XXXX XXXX XXXX and said I owed XXXX Financial a debt. I asked her to send me the paperwork and she said she would but I have yet to receive it. I asked her if her company had a website and she said no. I said your company does n't have a website and I thought that was strange. I told her not to call me at work anymore!
I received the answer from my complaint, yet this did not answer my questions nor did it solve the issue. Again I asked for a complete statement of payments, none has come. My monthly bill is {$720.00}. I answered the last complaint in letting you kno  w Bayview has had more than enough time to produce the document I requested. This has not happened. My  XX/XX/XXXX  bill again was {$720.00} I have made payments Totaling {$850.00}. thus the balance for  XX/XX/XXXX  should have started at, {$590.00}. This balance is offset by my payments thus far in the month of  XX/XX/XXXX of {$810.00}. My balance to start  XX/XX/XXXX  should be {$500.00}. This is not showing on their site, only the last payment of {$10000.00} from  XX/XX/XXXX shows.
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Also there is still the matter of the Attorney fees, again their contracted attorney has yet to answer my certified letter on them mailing 20+ copies of letters to my tenant, who is not on the loan nor has interest in this property. I am demanding half of the attorney fees be returned by Bayview for failure to do their due diligence on this matter. It was their attorney that did not do the work, let them refund me and collect the money from their attorney. This would be well over {$550.00} of fees to be returned.
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LET THEM KNOW THEY ARE ON NOTICE AND I WILL SUE THEM SHOULD THEY OBFUSCATE ANY LONGER. I have continued to call and follow up on this matter, yet they will not be forthcoming on this. Their canned letter of response is not acceptable.
On, XXXX XXXX, 2015, I sent {$100.00} to XXXX XXXX who was in XXXX atthe time. He did not have the proper identification required to collect thefunds that I sent him. 
I was told by Western Union to cancel the transaction. The transactionwas successfully cancelled by Western Union on XXXX XXXX, 2015. However, Ihave yet to receive a credit on my XXXX debit card issued by XXXX XXXX XXXX.
Nationstar is claiming that is in the process of finalizing a loan modification for my mortgage, but today sent me a 14 day foreclosure letter.
Bank of America randomly closed my account. Never sent an explanation. While trying to be added to my wifes account months later I was Told it was closed because of fraud. Theyve investigated and seen there were no prove to their allegations but I am Still receiving negative feedback when applying for bank accounts!
My daughter bought me a {$50.00} Visa debit gift card. It was misplaced and I found it the other day. I think it was probably from last XXXX. I tried to activate it, but I could not. I just now called the Visa number and spoke to a representative. She told me that there was a $ XXXX monthly penalty for not activating the card, so now by the time I found it, it was worthless. I thought the card would expire in XX/XX/XXXX.
My complaint is that Visa has taken {$50.00} from my daughter and returned essentially nothing of value. I do not think this is right.
I have 12 student loans from XXXX XXXX account and one from navient that keep appearing and that i am no longer liable for on my credit report Open dates for XXXX XXXX XX/XX/XXXX ( 13 yrs, 11 mos ) XX/XX/XXXX ( 13 yrs, 2 mos ) XX/XX/XXXX ( 12 yrs, 1 mo ) XX/XX/XXXX ( 12 yrs, 5 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 5 yrs, 4 mos ) Open dates for navient XX/XX/XXXX ( 11 yrs, 2 mos )