WillisBack/dataset-financial-user-claim huggingface dataset:
During XX/XX/XXXX I made payments on two different medical collection items., {$540.00} and {$640.00}, held by the collection agency Wakefield and Associates . These items were a result of claim disputes with a medical insurance company.The claims were finally settled/ paid and the items were paid directly to Wakefield with the understanding the items would be eliminated from all three credit reporting agencies. To date Wakefield has refused demands to eliminate the derogatory information from my credit. Wakefield is violating the law under FCRA XX/XX/XXXX. 
I want Wakefield to eliminate any information at credit agencies on these items.
I have XXXX complaints about USAA mortgage services. The first, I 'm concerned that I may have overpaid in interest. The second has to do with how USAA unilaterally applies additional mortgage payments to principal, interest and escrow, and the third has to do with their use of " mortgage servicers '' to manage their mortgages and their lack of accountability or responsibility to their members when using the " mortgage servicers. " For the first issue, I sent three additional mortgage payments that were to be applied to the principal only. In each instance USAA applied the additional payment to the principal, interest and escrow. I contacted USAA to correct the payments, with the exception of the last payment. I have n't yet been able to reach the " mortgage servicer. '' As interest is determined by the value of the loan, the interest rate and number of days, I 'm concerned that I 've overpaid in interest. I was assured by USAA that the payment corrections would be dated back to the date the money was received ; however, it does n't appear that the corrections were. The first payment was made XXXX/XXXX/15, but was not corrected until XXXX/XXXX/15. The second payment was made XXXX/XXXX/15, but the correction was not made until XXXX/XXXX/15. Unfortunately, because of my work schedule and USAA 's " mortgage servicer '' business hours, I 've not yet been able to reach them to correct the third payment. 
Additionally, the second issue, on the third payment, I made it very clear that the payment was to be applied to the principal only. I wrote in all caps and highlighted " PRINCIPAL ONLY '' on the check and money orders. I selected " principal only '' on the payment coupon and included the value that was to be applied to the principal. Still, USAA applied the amount to the principal, interest and escrow despite my express written desire that the entire amount be applied to the principal only. 
For the third issue. I contacted USAA about correcting the third payment and they directed me to their " mortgage servicer. '' The " mortgage servicer 's '' business hours differ from USAA 's business hours. So I called USAA back and explained the " mortgage servicer '' was closed for the day. USAA offered to give me the " mortgage servicer 's '' direct phone number so that I could call them directly when they were open for business. I explained to USAA its extremely difficult for me to contact the mortgage servicer because of my work hours and that my mortgage contract was directly with USAA, not the " mortgage servicer. '' I had no desire to work with their " mortgage servicer. '' The agreement with the " mortgage servicer '' was between USAA and the " mortgage servicer. '' My agreement was directly with USAA and I did n't want to contact a third party to correct a payment relative to the agreement between USAA and myself. USAA was unable to help and insisted I contact their " mortgage servicer. '' I sent an email complaint to USAA about it and received no resolution.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. On top of this, when I attempted to put an alert on my account ( ca n't freeze it, since I just today applied for a new job ), I was told that there was an error with my records and it could n't be done. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
On XXXX/XXXX/16 my bag was stolen containing all of my bank cards as well as my ID. I filed a police report with the XXXX XXXX police Dept. in XXXX. On XXXX/XXXX/16 in filed a claim with M and T bank making them aware of a number of fraudulent charges which had placed my account into a negative balance ( XXXX ). After several days I inquired with M and T Banks Dispute Claims Dept. and they informed me that the claims were denied. I asked the phone representative why they were denying the claim and they said I needed to write, sign and submit a statement saying that I did not make nor was I aware of the charges stated in the complaint. I immediately yet still the claim is being denied. In the interim my direct deposit from my employer went into the account which was immediately consumed by the existing negative balance. M and T did initially issue a credit for XXXX of credit card transactions however the bulk of the charges were ATM cash withdrawals. My PIN was not on the card however all my cards use the same PIN. Any review of the ATM cameras associated with these transactions should easily show that I did not make nor was I aware of these withdrawals. Your help in resolving this matter is greatly appreciated. 

Case ID XXXX and continuation of the Case ID XXXX
I've made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau 's to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation it's been well over 90 days. Disclosure verification of debt : not given enough information to verify debt. The account was removed from my XXXX report some time in XX/XX/2017 due to non validation.
Our mortgage loan originated via XXXX XXXX XXXX and included an assumption clause that would allow my daughter and son in law to assume the loan at a later date. Nationstar Mortgage purchased the loan from XXXX XXXX XXXX. Nationstar is now telling us there is no assumption clause despite paperwork I have to the contrary. I have no legal contract with Nationstar, all my contracts are with XXXX XXXX XXXX. By purchasing the loan, Nationstar assumes the terms and conditions of the original contract. I have spent countless hours on the phone with Nationstar representatives to no avail. They are refusing to honor the legal terms of my original loan that they purchased from XXXX XXXX XXXX.
I am a victim of identity theft and someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX XXXX XXXX. I have never applied for an account with XXXX XXXX XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midwest Recovery Systems representatives in regards to the unauthorized and fraudulent account that do not belong to me.
I recently tried to write a check and XXXX and another company. My check was denied and I as advised it was because of information reported to XXXX. I called XXXX and they advised JP MORGAN CHASE was reporting information to them. I do not have an account with Chase and have never had an account with them. I call them  and they advise it was my moms account, I explain I was only suppose to be the beneficiary not a cosigner. They advise the account is closed there is nothing they can do, they also state they show no money was owed on the account and the account is closed further they state they don't report to XXXX. I ask for any documentation to provide to XXXX stating I owe them no money and they refuse. My credit is being impacted, my ability to write checks and pay my bills is being impacted and they refuse to provide any information to me so that I can get this problem rectified.
I was approved for The XXXX XXXX XXXX XXXX, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX XXXX showing XXXX loans with Account Number XXXX
On or about XXXX/XXXX/2016 noticed a charge of {$620.00} on my Wells Fargo Visa credit card for XXXX XXXX. On XXXX/XXXX/2016, having not made such a charge I contacted Wells Fargo and initiated a dispute. Eventually I was told the charge was proper based upon the merchant showing proof of the charge and that the merchandise was received by me and because the card was n't reported stolen, as such the dispute was closed saying I owed. Then I filed a dispute in writing by fax and was told the charge was improper and they was crediting the {$620.00}. Then around XXXX XXXX or XXXX I observed my available credit had gone from more than {$2000.00} to {$100.00}. Low and behold, they lowered my credit line, did n't say a word to me about it. I sent another dispute on that issue XXXX/XXXX/2016. Awaiting a response but believe they have little to no business ethics.
On XX/XX/XXXX I received an alert from Experian that they removed a XXXX XXXX collections off of my credit report. OnXX/XX/XXXX I received an alert from Experian that they inserted a collection from XXXX XXXX. I never received a consumer noticed stating that they were replacing the collection back on the credit report. This is a violation of the fair credit reporting act.
I am a Ditech mortgage holder. I paid my bill on XXXX XXXX as normal via ach debit of {$810.00}. With no notification to its customers Ditech changed the account numbers and my payment went to the old account number not the new one. Ditech " customer service '' is in agreement and they see the payment in the system. I have been begging them for weeks to please simply apply the payment they received from me to the correct account on the day they received it. I have been met with lies, anger, total inaction, and pure contempt for such a low level request. Their computer system and billing shows that I 've paid nothing since XXXX XXXX. I am receiving calls from their collection agents, and threatening letters in the mail. They are wasting my time, my health, my good name, destroying my credit, charging unjustified interest, late fees, and wrecking all that i have worked so hard for decades. Their unqualified and nasty " managers '' and misinformed and unhelpful " customer service '' agents have the nerve to say that their verbal " assurance '' that they have the payment logged in on XX/XX/XXXX and are not charging me anything extra and that everything is just fine should be enough for me to be satisfied is SHOCKING!! The verbal assurance of such apathetic employees that could not care less about me means nothing, especially since what they are saying is completely illogical! Ditech certainly would never take my verbal assurance for anything, and i would expect the same in return. It is very simple, my account and payment status must reflect what I paid and when I paid it. PLEASE PLEASE PLEASE HELP ME!
I am currently back in school but Navient will not afford me an in school deferment as it says I have exhausted forbearance limits or something to that effect. In XX/XX/XXXXI tried to set up a payment arrangement, made a down payment and then I would have set payments of {$440.00} which would have to be reviewed in a year. Going through this process I received a letter that said I didn't qualify and then I got a call from the company saying otherwise. Only to soon after receive another letter stating I again did not qualify. So you can imagine the confusion on what I was suppose to do. On XX/XX/XXXX I learned was my last day in my current position. So now I don't have a job to even afford to pay but could really use an in school deferment. I will be reaching back out to the company today XX/XX/XXXX to inform them of new details and to try once again to get a deferment until I obtain employment again. The other concern I had was are these loans even legal as they were given to me while obtaining my undergraduate degree and they would never certify with my school which as I realized later was very predatory in how they did the lending at the time.
A company I have never heard of named CAB Collection Agency is reporting several negative derogatory accounts to XXXX, and XXXX consumer reports. I have no knowledge of said accounts. I demand that this company deletes accounts from all XXXX major credit bureaus. If CAB Collection Agency can not provide me with original paperwork that bears my signature to verify that these accounts belong to me, then they are reporting unverified accounts to XXXX and XXXX because I have NEVER done any business with any company named CAB Collection Agency in my life.
I have disputed the items listed below a couple of times. What I have asked Equifax to do is to verify the Date of First Delinquency ( DFD ) for each of these creditors. Equifax has not done this. I have recieved nothing to affirm that this information has been verified. How can I verify that they have actually investigated this information rather than rubber stamping. I stopped paying my creditors around XX/XX/XXXX. How is it that these creditors are all reporting the Date of First Delinquency differently If I stopped paying these bills at the SAME TIME? 
-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX *reporting XX/XX/XXXX-XXXX -The original creditor, XXXX XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX XXXX The original creditor, XXXX XXXX has already fallen off because of reporting limitations. *reporting XX/XX/XXXX-XXXX XXXX XXXX Line of Credit *reporting XX/XX/XXXX-XXXX *XX/XX/XXXX ... ..Date opened XX/XX/XXXX ... I never paid on this loan.
I have been approved for a Short Sale process 3 times and it was approved. The buyer walked away. I have just submitted a new offer at the agreed purchase price and now the bank is refusing to accept it.
Started A Investigation Through Credit Karma And Was Not Notified Of Completed Investigation And Was Told By A XXXX Representative that the investigation is still on going and that was at the thirty day mark now its 60 days in and still no update
When I reviewing my credit card statement I found transaction on XX/XX/XXXX for XXXX XXXX it was $ {$1200.00}. I did not made this transaction and my XXXX account is blocked before that date and I did not use it. 
I filed a fraud claim on XX/XX/XXXX to bank of america and they return the amount to my credit card account on XX/XX/XXXX. 
But on XX/XX/XXXX the charge me again XXXX I called bank of america again they told me that the items were shipped to my address but I did not receive any thing. He told me that I can active that claim again.I answered ( Yes please ) but the amount still in my statement. 
I received a letter from bank of america on XX/XX/XXXX that they were unable to assist and the decision has not changed. 

I did not made this transaction. 
As I know I should be not liable for this transaction. 
Thank you
I am a customer of Chase bank from XXXX. I deposit a check about two month before from my friend in XXXX in XXXX. Chase bank suspeneded the check and withhold the money from my friend 's account. When I want to ask the money back, chase bank manager keep telling me different ways to verify the maker of the check, which did not work. They first ask my friend to fix her name with her phone number through the verizon company, when my friend did that, they said their public record system says my friend 's name did not match the phone number, which is incredible. Then they ask my friend to recall that check, but it has been more than one month and the XXXX in XXXX refuse to do that since they have no reason to recall a correct check. Chase then told me to ask my friend to to go a chase branch to verify it ; however, there is no chase brank in Iowa city where my friend lived. Two weeks before my friend occasionally have a chance to travel to XXXX and she go the chase branch, this time chase told me my friend and I have to be in a chase branch simultaneously while I was travel in everglades national park. I really get XXXX and ask for another alternative solution, Then they finally agree to give me a copy of the check and ask me to mail to my friend in Iowa and notarize the check within the same page, and then return the document to chase. What drives me crazy is that after I did that and bring the notarized copy of check and a letter from XXXX clarify the issue back to chase, they refuse to accept the document and ask me to get my friend to a chase bank branch again. They just keep cheating to me in a few months. Now I suspect they do not even want to return the money to me and want to occupy it by all means. My friend and I are international students, we do not have that much time to deal with the issue. I also think chase does not have the right to withhold the money since XXXX in XXXX already approve the transaction and send a letter to clarify it. I really get tired with dealing the issue for almost three month and I already close the account, but when will they return the money to me or my friend. I wonder if CFPB could help me to resolve it, thank you very much!
This is about Green Tree again. Everyday for the last 2 years they have called me and my husband stating that we are behind on our house payment and we let our insurance laps, which most of the times the house payment had already cleared my bank or was pending at the bank to clear, the insurance that they say has lapsed did not lapsed, I bought my own insurance from a local company in town, and the local company faxed the proof of insurance XXXX times to Green Tree, which Green Tree states that they never received, so it was then mailed to Green Tree and they still claim that they did not get anything. When our mortgage was XXXX sold to Green Tree in XX/XX/XXXX or XX/XX/XXXX { that has been too many years ago } we were 1 month behind on our house payment and I gave Green Tree permission to take out XXXX payment out of our checking account, well needless to say they took XXXX house payments out and over drafted our account, and Green Tree would not refund the money or the over draft fees, so we learned the hard way on that. As of today Green Tree has called both of us XXXX times and the lady was wanting to know when we would be moved out so they could come and change the locks to there property. The phone calls from Green Tree every time they call are rude and threatening to take our house. I am to the point to just give up. I want something done to these crazy people. We are tired of them calling us and they never give up.
Our mortgage transferred to a new service provider around XX/XX/XXXX, prior to transferring in XX/XX/XXXX the Insurance changed and because of it the new provider was paid and the overage from the last insurance in the amount of {$2500.00} was mailed to me. I spoke with two reprentatives who adviced for me to keep that check until the escrow account was reanalyzed so that I would know the full amount to send in as I may need to send more than what was on the check. They both sent the account to be reanalyzed and after calling a third time I was told nothing changed with the insurance so they didn't reanalyze the account. I asked them about the shortage and why the entire escrow as a whole was not reanalyzed and the representative said a request was only made to review the insurance. They have asked for a new request which can take another 3 weeks meanwhile i'm overpaying to the escrow each month because no one on the phone can tell me what my escrow shortage is. How can a mortgage company not be able to analyze an escrow account and why do they make you wait 3 weeks and then on top of that ask the customer to call back and see if the account has already been reviewed. Everything about their escrow process seems very wrong. I asked for a supervisor was placed on hold for 20 minutes and then was told I would speak to a supervisor but instead was transferred to a voicemail of XXXX XXXX, who I'm sure will never call me back. I need my entire escrow account reanalyzed and I need to know what my escrow shortage is so that I can send that it in and the account can be reanalyzed and payment lowered as I am currently overpaying based on them not giving me those new figures. I've been dealing with this for 3 months now and think I have been more than patient.
This company continues to report accounts on my credit report that are not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any account information that they could send me proving that the account belonged to me, and not just baring my name address as I am a victim of identity theft. They continue to report collection account to the credit bureau. I have sent a multitude of request to accurately validate these accounts and send me verification of it, yet they choose not to. They send me letters stating that " this is not an attempt to collect a debt '', yet they are placing these fraudulent accounts on my credit report. They send letters saying the debt has been verified by sending me printouts of someone's last statements and a letter stating they bought whomever this debt belongs to. THESE ACCOUNTS DO NOT BELONG TO ME, YET THEY ARE CONTINUOUSLY REPORTING THEM ON MY CREDIT REPORT!! THESE ACCOUNTS ARE NOT MINE!!!!! I have since sent them a cease and desist letter as they refuse to comply with my requests. I am in the process of seeking legal counsel to being a lawsuit in regards to these accounts, and the blatant disregard of my rights!
FRAUDULENT FORECLOSURE : I TOOK OUT A LOAN BUT THEN MY MONTHLY PAYMENT INCREASED TO AN AMOUNT THAT WE DID NOT AGREE TO. I TRIED TO DEAL DIRECTLY WITH THE BANK BY DOING A LOAN MODIFICATION BUT EVERY TIME I HAVE TIRED, THE BANK KEEPS ASKING FOR DOCUMENTATION THAT I ALREADY HAVE SENT TO THEM. ALL THIS TIME IT SEEMS THAT THEY HAVE KEPT ME ENTERTAIN DOING A LOAN MODIFICATION BUT IN REALITY THE BANK JUST KEPT MOVING WITH FORECLOSURE PROCEDURES. THE SALE DATE IS SCHEDULRE FOR THE XXXX OF XXXX OF 2015 BUT THE BANK HAS NOT SHOW ANY SIGNS OF GOOD FAITH TO TRY TO RESOLVE THE ISSUE IN A DIFFERENT WAY.