WillisBack/dataset-financial-user-claim huggingface dataset:
Mortgage company offer to refinance my FHA loan it 's taken 3 mos for an in house loan to close and was just notified today that they can close it because I was late with a payment. I have never been 30 days late and the loan servicer also reports I have never been late. They refused to look into this and have been very delequint in getting back to my calls and emails 7+ days multiple times. Also being bounced from person o person with different stories as to why they are taking so long. Even supervisor took 7 days to return my call or emails. I have not heard from the loan officer for over 20 days With no exploration to me just " we will look into it '' I also have an email from the loan officer asking me not to make the payment in question. I did not on his request but did when I found out the loan have n't closed yet but I was not 30 days late. They are aching this missed payment as why they ca n't close the loan. I feel they are untruthful and will not give me an explanation that makes since or return my calls to answer my questions. Also sent me a letter stating loan was in default but I have receipt for all payments and they are current.
I have a mortgage through American Financial Resources ( AFR ) and was offered an IRRRL through eLend, which I agreed to complete. It has been a nightmare since inception. They XXXX around and the rate went up, then was finally locked in. Then, my escrow was half ( per month ) what it was supposed to be. XXXX XXXX provided the excuse that since wind coverage is n't a required coverage, they forgot and left it off. Keep in mind my original mortgage was through AFR and they had the wind in the escrow. I live in the XXXX - where we have hurricanes ... which means high winds. I asked for the escrow to be recomputed and now my payment is $ XXXX/month higher than my ORIGINAL payment. Keep in mind, my insurance and taxes have not increased more than {$100.00} in a year, my financed amount went from {$250000.00} to {$240000.00}, and my interest rate dropped XXXX basis points ( .5 % ). So my original payment was roughly {$1800.00} and is now at {$2000.00}. With my principal amount at roughly {$1100.00}, the $ XXXX+ escrow amount per month puts the escrow around $ XXXX- $ XXXX/year. Last year, my flood, wind, liability coverage and taxes were {$6800.00} ( roughly ). I want AFR to fix this once and for all. Getting tired of dealing with these XXXX as they think I am stupid and will pay an additional $ XXXX/year for them to hold on to. My first payment will be considered " delinquent '' by XX/XX/XXXX so I would like this fixed before then. Thank you.
The creditor Olympic Collections arrived at my home to give me a summons. When I refused to sign he gave the papers to my roommate and informed us that he will keep coming back. After checking with my county clerk I found out this summons was fake. It did not have a proper case number nor the county clerk 's information. It threatens lawsuit, court fees and garnishment if I do not pay an amount that was more than double the amount owed for " court fees ''. I 've enclosed these documents, as you can see they are dated for XX/XX/XXXX and XX/XX/XXXX. I 've received these on XX/XX/XXXX.
I have constantly disputed items on my report as not mine and they constantly say they are, I 've submitted multiple documents, now on the latest dispute they placed a fraud alert that I did not request and mailed me XXXX letters from equifax, XXXX for me at the correct name and another in a similar name but different middle initial, they are merging my credit with someone else 's and refuse to do anything
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX
Rapid Cash on XXXX XXXX XXXX and XXXX in XXXX, OR is where I have taken out many payday loans. I got to the point where I could not pay and I had XXXX out for {$330.00} = {$670.00}. I called ahead of time to make payment arrangements and they refused to work with me. I was told that the transaction would have to go to my bank and once returned would then make pymt arrangements. I had stop payments put on my account beings I knew I would not have the money. The payment was stopped on XXXX but not the other beings they ran the payment as a different name.If a customer wants to make arrangements why would they want to cause all these fees for someone that wanted to pay but needed to make payments does not seem right
I had bought a Coton De tulear breed dog from XXXX XXXX in XXXX Illinois almost a year ago. I inderstood that the animal had cost around {$1500.00} and we agreed to payment plans. After a while of losing our jobs we couldnt make payments, fees started adding up, and the account went to collections with Monterey Financial ( Which I do not believe is a collection agency ). A short bit ago we have been making our payments to the " collection agency '' they claim to be with no supervisor and the only person I can speak to is my account holder. Our balance was {$2000.00} as of XX/XX/. We made a payment of {$200.00} on the same day. They then told me my balance was {$1900.00} which is not minus {$200.00}. So I made another {$200.00} payment on XX/XX/ and my balance was {$1700.00}. So I made another payment 2 weeks later od {$200.00} and I had seen they only took {$100.00} from me. They said " we charge a {$20.00} processing fees and you owed {$50.00} in misc. fees. '' So I said " Okay so after all fees are paid {$130.00} shouldve went to my total balnce left and you guys only took {$100.00}. Where is the other {$30.00}? And she said " Not sure where you have been getting these quotes from but noone has quoted your payments at all do I will quote this one today. '' They keep charging me {$20.00} processing fee, and only putting {$100.00} towards my account balance and Im not sure where my other money went. Also, we have paid almost {$700.00} since we started our first payment and they said we have not and they cant believe me because noone has been quoting my payments. I want this place shut down, my money back, or something done because they keep taking my money and lieing about where it is going. If you look at customer reviews, everybody says the same thing. They refuse to dorect me to a supervisor and keep telling me they arent aure where im getting my " total balance '' after payments from hence nobody quoting my payments. As a company of the account you would think they would quote everything. Please do something about this.
Follow up on Office of Comptroller Currency Case # XXXX. XXXX XXXX.
It has been long over time due with this on going investigation and your company havent fixed the inaccurate erroneous items that was placed on my report. As of today I was laid off of my job due to a credit decision after a meeting of a yearly evaluation. My boss gave me more than 6 months to fix this situation but in your end you didnt fix the errors so therefore I am not employed at this current moment. My job consists of good history and a probation period which we as employees must meet the criteria and agenda for this job. I decided to file a lawsuit and take legal actions for the damage you have cost me. I have file an FTC complaint and the number is XXXX. We are schedule for litigation and a hearing in XXXX. I have filed a lawsuit against your company for the apparent reasons of violating my rights as a consumer which your company allowed identity thefts to misuse my credit file. I asked more than 6 months ago to prove to me and show me that the inaccurate erroneous accounts and inquiries belong to me and I havent heard from you since. I have filed several internal disputes and at this point Id rather take it to court. This assures me that this situation will be seen by a judge in a court of law where I will receive justice. You violating the FCRA sections 609 represents how poor of a company you guys are and how you maintain false information and placed erroneous information onto consumers credit profile which by the law is a major problem. I have all rights as a consumer to dispute and I am aware of every law and sections that youve violated in the FCRA. The account that is reporting as erroneous information is as followed : A - 1. XXXX XXXX XXXX XXXX B  -Inquiries : 1. XXXX XXXX 2. XXXX/XXXX 3. XXXX XXXX
My wife and I had two XXXX XXXX XXXX XXXX card accounts ( # XXXX ) and ( # XXXX ) as of the beginning of this year when the accounts, among a few others, were closed on XX/XX/XXXX. Unfortunately, along with this closure, the bank also canceled our credit card reward certificate for the calendar year XX/XX/XXXX, the " XXXX Cash Rewards, '' for the amount of {$1400.00}. When I called Citibank customer service over the telephone they advised me to write a letter to Citibanks Executive Response Unit ( see attached letter sent on XX/XX/XXXX ; attachment titled No. 1 ) inquiring as to why the points we had earned over the course of the whole year prior had not been included in our XXXX Statement. 

I received a responding letter from Citibank Client Services/Executive Response Unit on XX/XX/XXXX, stating that we did not receive the credit card reward certificate because our account had been closed ( see attachment titled No. 2 ). 

This was despite the account being open for the entirety of XXXX ( XX/XX/XXXX - XX/XX/XXXX ), and it being open from XX/XX/XXXX, until the time that it was closed on XX/XX/XXXX. As such, we asked that the rewards issuance be sent to us given that we had been accumulating points for over a year regardless of the account closure, and because the account was closed in XXXX, not XXXX. Furthermore, we had been notified in our XXXX statement that we would be receiving our rewards along with our XXXX statement, in an amount of {$1400.00} which had already been issued ( see attachments titled No. 3 and 4XXXX and XX/XX/XXXX bank statements ). When we received our XXXX statement, our rewards were not included. 

Following some correspondence with the bank, we met with XXXX Customer Service in person at one of the branch locations on XX/XX/XXXX, and were informed that our certificate had actually been issued already and processed on XX/XX/XXXX at XXXX XXXX, and that it was later canceled by Citibank on XX/XX/XXXX ( see attachment titled No. 5 ), which was 4 days after our account was closed. This indicated that the bank proactively took steps to cancel our reward issuance after the fact that it had been processed and after the account had already been closed. 

We are asking for this to be investigated so that you can help us get our earnings back, as our account had been in good standing all of XXXX and our account closure in XX/XX/XXXX should not have affected what we had earned on the account in XXXX. We believe that we are entitled to our reward earnings as long as our account was in good standing for the duration of the year in which we had been earning points and through the first two months of XXXX. 

We would appreciate your attention to this matter. Thank you.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Loan #  XXXX  To Whom  It May  Concern : I reside at the property listed above, which is my primary residence.   I 'm experience difficulty with financing and the loan company of following through with hardship, I submitted a resident application mortgage included my Documents and pay stubs, on  XXXX   XXXX  ,2017 which  I received a denial letter on  XXXX   XXXX     2017, Bas e ' on the income was receiving was to high basically I made too much they quoted. On  XXXX   XXXX   2017 I g ot a phone call from my job explaining to me that the company I was contracting for did not extend my contract and I was now out of a job, but was grateful to gain another job for less money, So I reapplied another resident application to Ditech again with the standard documentation they needed on  XXXX   XXXX     2017, I r eceived a letter in the mail stating that they did n't get the income documentation part, I called ditech and explain to the customer service rep that I just started a new job and I do n't get a paystub or letter of employment not just yet but I do have my Proof of my  XXXX  documentation that show the amount I get a month of  XXXX  a month, they understood and told me to submit the document to them, On  XXXX   XXXX   2017 I calle d Ditech on  XXXX  to check the status and yet again it was denied I ask how did they determine the status they replied base on my  XXXX  and paystubs I never send them any paystub, so I was declined base off a faults information before I could explain it the situation they over talk me and hung up I waited on  XXXX   XXXX     2017, and  called Ditech back and got another customer service rep and I explain to her about the denial letter and she told me to write them appeal letter explaining everything I just explain to her and fax it over which I did submit the letter including a copy of proof of  XXXX  and my start date, rate and hours of my now employment .I waited fo r 48 h our and called back on  XXXX   XXXX     2017 to  check on the status of my appeal and the customer service rep told me that my the appeal was denied I ask why he said I did n't have no rights to appeal thank and bye and now all I get is a answering machine now. Please review my application I do n't believe I was reviewed for a loan Mortification properly.   I am schedule for sheriff sale  XXXX   XXXX ,    2017 Thank  you for just take the time to read this, hopefully I can hear back from you, my Phone number  XXXX  if you have any questions..   .    Sincerely Yours
I DO NOT have a signed contract with Portfolio Recovery Associates. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.
My XXXX XXXX Costco card account was transitioned to Citi. Unfortunately I was locked out of my online banking and unable to resolve the issue on my own and forced to call into customer service. My wait time was well over an hour, and the issue is still not resolved. Many times I have been told that the account lockout was removed but turns out that they were incorrect and I 've had to call back multiple times, again having to wait on hold for inordinate amounts of time ( minimum 20+ mins ). It 's also very frustrating having to wait for an automated system to regurgitate my account information before even allowing me to choose why am I contacting them in the first place. 

Extremely disappointed that Costco went from a quality customer service provider like XXXX XXXX to this. 

Literally just had a customer service rep tell me that there was no lockout or blocked access to my account, while their website says blocked access with reference to Error Code XXXX. 

Losing hours of my time for a remarkably simple issue as resetting a password is giving me a horrible first impression of this company.
Navient took over my student loan XX/XX/XXXX, at that time I spoke with a rep from navient and informed him I was working but part time and was struggling to pay my loan he offered me to apply for a hardship deferment I did so and believed everything was all set, until I started getting calls XX/XX/XXXX saying that I owe and on my loan and when I mentioned it being in deferment I was told it was never put in deferment and then next thing you know XXXX took over the loan and now that it has been in delinquent status it is hindering on purchasing the home I am trying to buy, it is now being managed by a company called XXXX who told me I can make monthly payments for 9 months and then it will come off my credit report as a negative item or I can pay the loan off in full. Also come to find out my loan is collecting interest in a daily basis. So not am I only stuck with this loan it is hindering me from fulfilling my dream of purchasing my first home.
As per attached letter and agreement between CFPB and XXXX ( XXXX ), XXXX sent me the reimbursement check {$440.00}. However, I was not able to deposit the check on time due to relocation, and the copy of the check was given to me just recently. I called the number on letter and requested to reissue a check as it is already expired. Unfortunately, my requested was denied. They recommended to contact CFPB to resolve the issue. Please, advise
I have disputed an account reporting on my credit report with XXXX Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.
I attended XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX just after high school. I had just graduated high school wanted to get started with my career path. XXXX promised so much and I received barley anything they promised and I am now left with so much school loans and I feel it is very unfair. The school had past students teaching material, they promised certification help, job placement, etc.. as well while attending school they made me take out more loans and a XXXX loan in order to graduate while attending. I also had to pay while in school to go to my next modules or I would not graduate. in addition the school made me also take longer to finish because they could not find me a extern site to accept XXXX students, which forced me to find a extern site or I would not graduate. after graduating I did not have a job and I had to do my own foot work to just get a chance in my career field. I had to re educate myself in order to sit for exams to have the proper certification to go with my mow new diploma. XX/XX/XXXX I have so much interest plus the original school loans that I now still have to pay when I did n't gain anything from the school that was promised and I am in so much debt from this school I cant even begin to go to college because of my past outrageous student loans.
I am the durable power of attorney for my mother. She has XXXX XXXX and was declared by her doctors on X/X/17 to be incapable of conducting her own affairs. The doctor supplied documentation to that effect. That documentation as well as the POA paperwork was supplied to USAA where she holds a credit card account. Despite notations on her account that no changes are to be made without authorization by the POA, changes have been made on a daily basis per her request with no effort whatsoever to contact the POA. I have been told on multiple occasions that despite the supporting documents, she as a member, still has a right to authorize changes. This is catagorically incorrect. This is a woman who had the foresight to put measures in place while she was sound of mind, to see to it that she and her finances were protected-even from herself. Call center staff are making their own decisions with regard to the legality of the situation and are putting she and her finances at tremendous risk. I do n't know how to stop it since I have been informed that there is no way to eliminate her membership.
In XXXX I purchased my first home, I was then unmarried and it was under the name XXXX XXXX. During escrow I paid all the closing costs which included the back taxes on the property. 
wells Fargo sent me notification that I did NOT pay the back taxes. When I contacted them to correct this they continued to deny my substantiated claims. I KNOW they were paid by me for two reasons.

1. It said right there in the closing documents that the taxes were paid by me. 2. When I contacted the County of XXXX XXXX Tax assessor they told me that they got the payment via escrow check and that they received " zero funds from Wells Fargo and if they had they sent them back, due to those taxes being paid already '' For over a year I called Wells Fargo weekly to resolve this issue. I faxed them, emailed them and mailed them on SEVERAL Occasions ( which I have all documented all the relevant information regarding this issue. Every single time they gave me the runaround and insisted of discharging me the almost two thousand dollars. They even threatened to add XXXX a month to my mortgage beginning in XXXX to " satisfy the unpaid portion of taxes they paid on my behalf '' ( which of course they never paid because paid them ). 
I meticulously recorded each phone call and each instance I sent them the information. I had to refinance my home and call the XXXX XXXX XXXX  in order to get them to admit that they did not pay the back taxes on the property. 
While the XXXX XXXX XXXX made them pay me back those monies they tried to stea to pay me back for refinancing my house, which was XXXX. I feel they still owe me this money for refinancing because I would not have had to refinance had they listened to me to begin with. 
What they did was blatant theft. 
I will be happy to scan and email or copy and mail my entire file of this affair for this lawsuit if it will help. Please let me know. All of my contact information is on your included form and at the end of this letter. 
Sincerely, XXXX XXXX ( formerly XXXX XXXX ) ( XXXX ) XXXX-XXXX
I sent in a request to Equifax asking them to delete a medical collection debt because I never had any knowledge of this account and any medical services that are rendered to me I sign a HIPAA of 1996 notice which does not allow any release of any medical information or medical account information. This form states that my medical information or medical account information should only be discussed with the person that I have given access. I have never given XXXX access to my medical information or medical account information. Equifax is in direct violation of this federal law and I am requesting the debt to be deleted immediately from my credit file. XXXX did not get any permission from me to access any medical information or medical account information.
" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " XXXX XXXX XXXX, XXXX among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" WELLS FARGO BANK '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if Wells Fargo is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" XXXX XXXX XXXX '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXXfollowing a full year in good standing. I had contacted student consolidation loan center " XXXX '' and spoke with a manager in XXXX, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and EXPERIAN reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with XXXX as of XX/XX/XXXX.
date XX/XX/2017 log # XXXX file # pending I 've faxed all the proof of identity materials they needed. ARS still will not place a security freeze on my account.