WillisBack/dataset-financial-user-claim huggingface dataset:
I set up my student loan payments months ago with Navient via monthly auto pay through my checking account. The first payment of XXXX was to be withdrawn from my account on XX/XX/28. I received a notice shortly after stating that my payment was rejected due to " no account ''. I called the company to find out why and they stated that they had submitted my payments with my incorrect last name, my maiden name. They also sent me a notice stating the same in writing. We resubmitted the payments and now I just received another notice that the payments rejected account due to " no account ''. I tried to verify my checking account information with the company since I am unable to see it on their website, it is a " masked '' account. The Navient rep on the phone also said that could not see the account information either and that if something is wrong with the account there is a form that I need to fill out. I find this very inconvenient and she never emailed me the form as she said she would. The company keeps sending me past due messages now and this appears to be an error on their end. I am requesting that the company fix my payments immediately and that any interest/late fees are waived due to this error. I would also like someone to contact me immediately to verify my account number since I can not get this resolved or verified otherwise.
CitiMortgage is the mortgage lender for borrower having a first mortgage lien. Due to an escrow account analysis the mortgage company increased the mortgage payment by approximately {$35.00} for the month beginning XXXX XXXX, 2015. The borrower inadvertently neglected to increase the payment by the {$35.00} for the first payment coming due on XXXX XXXX, 2015 and the mortgage company without notice to the borrower refused to apply that mortgage payment to the underlying loan. The borrower began making mortgage payments on XXXX XXXX, 2015 in the increased amount but the lender without notice to the borrower only applied the XXXX payment to the XXXX payment due. The same thing happened with the XXXX XXXX and XXXX XXXX, 2015 payments. When borrower made loan application for a new auto during the month of XXXX 2015, he discovered that the mortgage company had been reporting him 4 months past due thereby significantly damaging the credit rating of the borrower. Again, lender never gave borrower written notice or any notice that his loan payments were continuing to be applied as late simply because the mortgage payment was increased by {$35.00} due to an escrow account analysis. Borrower has not been able to obtain a mortgage loan to purchase other investment properties, and he was charged a higher interest rate with which to purchase a car.
I make a lot of money but depend on XXXX to pay me if and when they choose to. Therefore I have a cash flow problem but still try to pay my bills on time. I never gave Wells Fargo permission to pay the bills on bill pay when there is insufficiant money in my acount and I have gone in to talk to bankers often to help with this issue, but it continues. I get charged the maximum of XXXX bounced check fees every day that they pay my bills, so all the money I deposit gets eaten up in bank fees and I never get caught up. In addition, they withhold the checks I deposit as punishment for having bounced checks, and then they pay more bills and bounce more checks because they did n't allow the deposits I made to cover my checks!!!! I feel this is vindictive and purposeful abuse. I am also a senior citizen and can not retire when I ca n't save up money because Wells Fargo takes it all.
I bought a house, but had not sold my old house yet, so I had to get Private Mortgage Insurance because I would n't have enough money for the appropriate Loan to Value percent. When I told my broker I did n't want to get PMI, she said not to worry that as soon as I sell my old house, I can pay down the mortgage, and the PMI would be dropped. So after my house sold a few months later, I paid down my mortgage to the appropriate loan to value. In the mean time my loan had been sold to Nation Star mortgage. So I called and asked what I need to do to have the PMI dropped. They told me I had to pay it down more, so I paid it down to about XXXX % LTV, then I submitted the form they asked me to submit. After a few months I called to ask about it, and they said I needed to re submit the form, so I did. I spoke with probably XXXX different people ( some of them very rude ... like I was asking for something unreasonable ), the original broker I used for my mortgage spoke to several people, and I can not get a response about when or whether the PMI will be removed, or if they need more information, or anything. Overall they have been very unresponsive and uncooperative. My initiatial call to them was in XXXX 2016, and I still do not have a resolution.
I sent a request for debt VALIDATION not verification to LVNV Funding LLC regarding a debt they claim I owe them. In return they gave forwarded my request to a third party company Resurgent Capital Services who sent absolutely no validation not verification of any debt. I specifically asked for a signed document or supporting evidence that shows I am indeed the party they are seeking to pay this debt. Resurgent Capital Services only sent me a statement saying they manage the referenced account I inquired about and an amount owed. They are reporting delinquent information to the three major credit bureaus ( XXXX, XXXX, XXXX ) that I would like removed.
went to the bank and cashed a check that was later found to be counterfeit ... i had no idea it was when it was sent to me ... the bank cleared it and did n't even hold it to just make sure it was n't counterfeit.
This is becoming very exhausting. For whatever reason XXXX keeps removing my capital one account from my credit report which keeps dropping my credit score. My account is still active. My card ends # XXXX. Experian and XXXX is currently reporting however once again XXXX Keeps removing it. This is not fair to me and has kept me from relocating due to the huge drop in my credit score. 

I am also an authorized user on my moms Capital one account. That account was also removed. My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of $ XXXX.XXXX 's customer service is horrible. I've been told over 10 times the issue is with Capital one however when I contact Capital one my account is still active and was told over 10 times they report to each credit agency.
On XX/XX/XXXX the following complaint was filed ... This XXXX  XXXX account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. USAA has been asked to correct this inaccuracy. XXXX and XXXX  have also been notified to correct the false information but have not. Company responded on XX/XX/XXXX. " In your submission, you indicate the XXXX XXXX XXXX XXXX ( XXXX ) account XXXX is paid in full and not open or in a payment plan. You indicate USAA, XXXX, and XXXX  have not corrected this as requested. You ask USAA to report the account as paid and closed. In XX/XX/XXXX, USAA contracted a joint auto loan ending in XXXX for you and Mrs. XXXX. On XX/XX/XXXX, we received notification of a Chapter XXXX bankruptcy filing for you and XXXX XXXX. On XX/XX/XXXX, the loan was charged off for {$13000.00} in keeping with our procedures for debts in bankruptcy that have had no payments in 60 days. From XX/XX/XXXX, to XX/XX/XXXX, multiple payments totaling {$13000.00} posted to the loan, paying it off. '' My question is, " If the loan is paid off, why can USAA not report the loan as " paid '' and " closed ''? Why does USAA continue to obfuscate? The facts are plain to see, the loan is paid and should be reported as " paid '' and " closed ''.
I had a mortgage on my home that was paid off in full XX/XX/XXXX when I sold my house. The mortgage was serviced by Ocwen at that time. XX/XX/XXXX, I applied for a loan on a new property. I was told by my lender that my credit report still showed an open loan on the property that was sold XX/XX/XXXX. Furthermore, the credit reports showed that I had been delinquent on the payments from XX/XX/XXXX to XX/XX/XXXX. I contacted Ocwen and they offered a " Satisfaction Letter '' and told me to take care of it myself. I contacted my lender and the credit reporting agencies, and was told this information regarding loan satisfaction needed to come from Ocwen directly in order to update the files and correct the error. Since then, I have made hours of phone calls to Ocwen requesting that they submit the correct information to the major credit agencies showing that this loan was closed XX/XX/XXXX, paid in full and that there is no delinquent balance. They have been extremely incompetent and unhelpful in getting any type of quick resolution to this matter. They continually tell me that they submitted the XXXX XX/XX/XXXX. This may be true, but it clearly needs to be submitted again with correct details because my credit report is showing incorrect data for the Ocwen loan at XXXX, XXXX and Equifax. This is now costing me and my family considerable time and money and it appears as though our only remaining option is legal recourse against Ocwen due to their gross negligence in reporting. We are talking about a loan of approximately {$960000.00} that they are reporting inaccurately, so a significant amount of money is at stake in this matter. All I have ever wanted to happen is for Ocwen to contact the XXXX major credit bureaus and report the corrected information which is : The loan was paid in full XX/XX/XXXX. 
There is no outstanding or delinquent balance. 

Ocwen has repeatedly proven inept, unwilling and uncooperative in resolving this matter appropriately.
Hi my name is XXXX XXXX my capital one credit cart is close because payment is returned I understand its my far but I need las chance open again my account I fix it that problem I dont need my credit history go down please help and give me at other chance I call costumer service but thay dot give me any chance please help
Recently XXXX XXXX  XXXX wrote back to me, and addressed my concern about a false paid charge-off account in my name and I was told to forward that letter to Experian and XXXX ... Experian and XXXX still will not remove or correct it ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX   verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Again I have the same issue with Navy Federal credit Union with my credit card reporting. I spoke with a representative on XX/XX/2018 and made my payment before XXXX XXXX  as they stated. I asked the representative, and I want the called pulled this time and Navy Federal to listen to it, if my payment was going to post for that day and she assured me that it would. I said okay. When my credit reported it did not show the paid balance. Again Navy Federal told me false information and the representative assured me that the payment would be applied the same day. Now when I receive my payment notice it will say I paid on the XXXX. I don't know why I keep having this issue with this company all of a sudden
I filed a CH XXXX Bankruptcy in XX/XX/2011. My mortgage was included in the filing and was also listed as a creditor in my XXXX XXXX from the Trustee. The mortgage, through Wells Fargo, is listed on my XXXX Credit report as a foreclosure which is not accurate. The debt was not reaffirmed after discharge. I have contacted XXXX two times for a dispute and Wells Fargo has continued to report the information incorrectly. This is impacting my credit rating and I would like the account removed. The Bankruptcy has already fallen off the report so the foreclosure make my XXXX score approximately XXXX points lower than the other Credit Bureaus.
THERE IS INFO ON MY REPORT THAT IS NOT MINE AND INCORRECT PERSONAL INFORMATION I NOTICED WHEN IT WOULD NOT LET ME LONG IN TO LOOK AT MY REPORT BECAUSE OF THE FALSE QUESTIONS IT WAS ASKING ME
Im a victim of identity theft. And i have witnessed inquiries i did not authorize nor were made aware of. This is holden my credit in a negative position.
I went through a period where I moved from my home and because I had not found a new home yet, I was living in temporary housing. So during a four month period I was living in three different  places. Each had service with XXXX XXXX. Each time I moved I transferred service and provided my new address, etc. My phone number always stayed the same as I use my cell number exclusively. Now, over a year later I am applying for a mortgage to purchase a home. My credit has always been excellent. I have never not paid a bill and strive to be timely with all payments ... never over 30 days. I pay most of my bills via direct autopay to avoid being late to protect my credit. I was shocked to see that XXXX XXXX had placed me in collections in XXXX 2016! for the period of time when I was in two months temporary housing! I have had service with XXXX for over a year now at my new address, have been told by a XXXX agent that my payment history is 100 % perfect. The record shows that a payment I made during that time period was actually credited to my former residence. XXXX is now saying that they sent me a letter in XXXX, 2016 to tell me that I was being placed in collections! I just do n't believe them. I open all of my mail and if I EVER saw something like this I would NOT ignore it!!! Even if they did send it ... this is the only communication that they sent me! I have been a XXXX customer for a very long time and I am extremely upset. This is going to cost me an extra $ XXXX {$10000.00} to purchase my home because of the way it has impacted my credit. It is unfair. This is so upsetting to me I can not sleep and it is all I think about. I need this to be removed from my credit report because I do n't think the manner that they addressed this was fair. I was NOT properly informed of a debt and was put into collection without my knowledge.
I have asked the attorney XXXX XXXX XXXX XXXX XXXX IL XXXX phone XXXX Fax XXXX email : XXXXXXXXXXXX and BSI Financial but they are not willing to consider me even theough property at XXXX XXXX XXXX , IL XXXX is subject to treasury modification for any kind of plan.
I applied for a credit card and received mailed notice from Barclays Bank stating they needed additional information. They requested copies of my current drivers license, copy of utility bill, and copy of my social security number. Although I had reservations about providing my SSN, I did send them the first two items and a copy of my Medicare Card which clearly shows my name and social security number. After a few weeks had past, I called to find out the reason for the delay in issuing my card. They insisted that they must have the copy of my social security card in order to process the application. 

Since the information they requested was to verify my identity, I offered to send them a copy of my birth certificate or any other information they needed to prove my identity and citizenship as an alternative to the social security card. My Medicare Card is should be as valid as my social security card for providing my social security number. 

As far as I know, there is no XXXX requirement that states that a financial institution MUST require its customer to provide a social security card as valid documentation in order to do business. I feel that their insistence on requiring that singular piece of identification, and one the Social Security Administration itself suggests against providing, represents an unfair trade practice by the bank. This situation could be easily avoided if Barclays would accept other primary types of identification.
In 2012 I went to XXXX of XXXX XXXX Georgia. At the time I had {$2000.00} to get a used vehicle. When I went into XXXX I advised what I was looking for because I was in bankruptcy. The sales man said I could get a new car with that amount of downpayment and they had authorization from the bankruptcy court. I spoke with the female sales manager and she reiterated the same. After talking to my bankruptcy attorney I was advised that was not the case and the court would not approve that amount. I called XXXX but they advised there was nothing they could do the loan was through santander. I called santander and advised I had to turn the car in. I did not have a choice the loan was not approved through the bankruptcy courts. Recently I pulled my credit and Santander has the loan in accurately reported on my credit file and also also it to another company. So it is reported as XXXX collection/delinquent accounts. This should not be on my credit file because the loan should have never been given especially under false information. It was evident I was in open bankruptcy.
XXXX Lending is attempting to add a forced hazard insurance premium on my property despite adequate coverage or requiring " flood insurance '' when the property is not within the FEMA guidelines.
I have a Ar. Child Support ENF on my credit report that i would like to dispute, because i do not or have not ever had to pay child support in my life time. They contact number on my report is XXXX can you please help me get this information off my record please.
Hard inquiries made without my knowledge or permission. 

XXXX : Equifax XXXX - Inquiry from XXXX made 2 times on same day XXXX XXXX, NJ XXXX ( XXXX ) XXXX I R XXXX XXXX Inquiry from XXXX/XXXX/XXXX GARDEN XXXX XXXX CA XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX No contact info listed Equifax Mortgage Ser - Inquiry from XXXX/XXXX/XXXX XXXX -Inquiry from XXXX/XXXX/XXXX No contact info listed
Keep receiving numerous calls from Bison Group - " wanting to ask questions regarding XXXX '' ( my son ). " What is your relationship to XXXX '', " What is the current mailing address for XXXX '', " Where does XXXX work '', when I refused to give any info gave me an attitude then said " I will contact another relative '' - then proceeded to call and leave messages with his dad, his sister at college, his girlfriends mother, his girlfriend -- guess these show up as possible relatives on a XXXX search/social media. Asked where girlfriend worked- all kind of crazy invasive questions. Wont stop calling all of these people who have nothing to do with XXXX financial life even if XXXX did have outstanding financial obligations to this company which he does not. Rude, deceptive people who are out to trick people
I believe Ditech Financial LLC. has purposely not credited my mortgage payments made to my account. Furthermore, Ditech will not speak to me when I call. I have no way to communicate with them. I have sent them a certified letter and still, Ditech Financial LLC. will not communicate with me. I have attached a copy of the letter I sent to Ditech. Also, Ditech is holding almost {$13000.00} of my money in my mortgage escrow account. They are supposed to return that money to me. They also are holding a {$10000.00} two party, insurance claim check made out to myself and Ditech. I have a suspicion the {$23000.00} Ditech owes me is a largely the reason they are not applying the payments I have made on my account ... I am attaching a copy of the certified letter I sent to Ditech Financial LLC. asking them to correct my account. Also I am attaching a copy of my mortage statement showing the escrow surplus owed to me.
I was charged XXXX on XXXX/XXXX/15. All I have is " XXXX XXXX '' on the charge -- no ticket #, no destination, etc. I did not purchase anything from XXXX XXXX. PayPal Credit denied my fraud claim, saying the charge originated from my IP address. It simply did n't. I have filed a police report and have contacted XXXX XXXX to get more information. XXXX needs cooperation from PayPal Credit to determine who used their services, and Paypal Credit has not cooperated with me. I have an email from XXXX outlining what they need from Paypal to investigate this. I 've done all I can do. 
Also, Paypal Credit has on 3 occasions promised to send me an affidavit for me to fill out, but has failed to do so.
on XX/XX/2016 I enrolled into a XXXX Counseling XXXX for all my credit cards. I enrolled through XXXX. XXXX of my credit cards with Schools First FCU was enrolled into the program and accepted by them. I was to make reduced payments of {$170.00} effective immediately. Around XX/XX/XXXX-XX/XX/XXXX I began to receive collection phone calls on my account from Schools First FCU regarding my Credit Card Account. I received a voicemail that it was imperative that I returned the call back to them. I phoned back their office and spoke with a collections representative regarding my account. I also let her know that I was enrolled into a consumer debt management program. She stated that she had that information on file, but that she needed to speak to another department. I also informed her that a payment of {$170.00} ( proposed payment was sent to Schools First on XX/XX/XXXX ). She re-assured me that she was looking into the issue and not to worry. I also asked her to make sure the account was not going to be reported as past due to the credit bureaus or any late reportings. After she came back to line doing her research she told me that the credit union had not properly processed the information and in fact after speaking with that department my proposal was accepted and good to go. She also assured me that everything was taken care of and I was not to worry about anything. I should not get any more collections calls and everything was good to go on my credit card account. Now as of today, Schools First FCU is reporting my account as beyond 30 days past due to the credit reporting agencies and providing false information when in fact I was told something different on XX/XX/XXXX and XX/XX/XXXX. Also my XXXX spoke with Schools First Federal Credit Union on XX/XX/XXXX and they confirmed as well that everything was good to go and the proposal was accepted.
Wells Fargo had my Deid in Lueu approved in XXXX XXXX for my house at XXXX, VA XXXX. I sent them all paperwork including my agreement to vacate the property. The second mortgage also had approved. They kept dragging things out saying there 's an issue with the title. All of a sudden, they call me in XXXX and tell me that they need to send me the final paperwork and I need to sign and return immediately. 
I told them, " great, send it to me in XXXX XXXX because I 'm here XXXX ''. She said she was n't sure she could do that and she would call me back when she got an answer. 
The next time they contacted me was to tell me I need to start over and that I ha a new contact. That guy was worthless. I had the second mortgage ( also Wells Fargo ) sending messages to him and his manager. 
Long story short, I 've tried to do a short sale from XXXX XXXX before stopping payments due to XXXX and no renter in the house. WF home preservation has the keys to the house since XXXX XXXX and did n't fix the fence that fell down in a storm in XXXX. I now have at least XXXX court judgments against me due to this. 
The inspectors wo n't go to look over the house since I 'm not there to let them in and do n't even have the key. Thus, I have '' failed to complete the Deid in Lueu process ''. I have complained to the Office of the President and their records only show I have n't done what I need to do. I have asked for the recordings to prove what I 've said is true and they said I need a subpoena since they are their property. 
I contacted XXXX XXXX 2 times and talked to different guys, but they said that is outside their scope and referred me to HUD. They ca n't help and said I need to file a complaint with you and find an attorney. 
The best part, on XXXX ( 90 days after retirement exactly ) they send me a letter stating they are going to start foreclosure if I do n't pay my delinquency. 
I do n't know what they gained from this other than the house appreciating, but they have intentionally been dragging me and my family through this nightmare for years to avoid SCRA rules. 
I need help and need it by XXXX XXXX, XXXX please.