WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month XXXX XXXX, XXXX and XXXX of XXXX XXXX trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XXXX XXXX to XXXX XXXX but they also reported as late, the trial period payments XXXX XXXX, XXXX and XXXX XXXX XXXX even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX year old retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!
i have XXXX inquiries on credit report some from XXXX more than once a day. I have sent letters to Equifax letting the know they are not mines but remain on report. please have them moved.
Homeowner 's policy was due on XX/XX/2017. Stonegate Mortgage did not submit the payment to the insurance company until XX/XX/2017. Today XX/XX/2017, I received a phone call from my insurance company stating that my insurance was in cancellation due to non payment. I have to pay {$330.00} out of pocket to keep my insurance active and will not be reimbursed until the insurance company receives the check from Stonegate. This is completely unacceptable way of conducting business to not submit my mortgage payment in a timely manner when the money is available in my escrow account.
On XX/XX/2016 I purchased an item on eBay Item Number : XXXX ( a Rolex watch ) and paid for the transaction with my Credit Card from XXXX Bank the amount of {$2600.00}, when I finalized the transaction I noticed that the seller did not contact me, I did not receive any confirmation number or tracking number for the delivery of the object, some minutes later I noticed that the seller was cancelled from eBay and I received an email were they notified me that they removed the item from eBay and acknowledging that I already paid for the item. On XX/XX/2016 I opened a Claim with eBay and a representative called me and told me that the Post was an scam, they apologized and that the money will be credit to my account because I was protected by eBay money back guarantee. I called my Credit Card and notified of the fraudulent transaction. In fact, the money was returned to my Credit Card by PayPal at that time on XX/XX/2016. 
On XX/XX/2016 when checking my XXXX Card statements, I noticed that the amount of this fraudulent transaction was reverse to the PayPal Account " XXXX '' account of the Criminal who run the Scam on eBay, so I contacted my Credit Card and XXXX dispute representative told me that because the transaction was authorized by me they have to paid to PayPal and advise me to open a claim with PayPal who ask for the money back because as a Credit Card they only intervene if I was victim of Fraud Identity. When I contacted PayPal they told me that I can not open a Claim because my Credit Card had a dispute with them and it took a way my right to dispute, despite I talked numerous time with PayPal and explained that I was n't aware of the dispute and I was not heard as a victim of the fraudulent transaction, even when the money they are holding from me is a result of a Fraud, that I never received the object, is not tracking number and delivery confirmation they do n't want to open a Claim and they do n't want return the money to my account. 
I 'm filling this Complaint against PayPal because they took money from an illicit transaction, originating in a fraudulent posting, they know that the seller committed a crime, they know that I never received the purchased item, they do n't want to return the money to me, they even do n't want to open a Claim and PayPal as a financial institution is abusing and defrauding me that acted in good faith.
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. After I followed an online link to make money at home by entering produce reviews I was inundated with unsolicited telemarketing phone calls from companies offering an online at home business. XXXX XXXX XXXX XXXX XXXX XXXX was XXXX of them. They contacted me initially on XXXX/XXXX/2016 and they charged me {$4500.00} I paid them on my US Bank credit card. I was convinced ( badgered into ) this website development. I was told that I would with the in three weeks have a fantastic website that would be fully automated to process customer orders without me having to be involved in the daily activities of the website. Products would be loaded including prices and pictures and kept up to date. I was to have an introductory movie, electronic business card, social media connections, funnel page to capture customer information and emails, complete order processing including credit cards and XXXX accounts, and order fulfillment ( order processing, shipments, customer email of order confirmation and tracking information ). As of today nothing is complete. I have worked with XXXX to get the website functioning as intended, to remove the duplicate items, and accept credit cards payments until recently. My last attempt to work with the website had proved that I could not enter an order and therefore I have no idea how I could make any money with a non functional website. I sent letters, emails to request my refund and they ignored my requests. 
These are all the contacts I have for XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
I never gave Navient the authorization to acquire my loan. I checked my credit report and found XXXX dollars owed to them. Im also on social security XXXX. They have destroyed my credit and keep adding interest. Ive tried calling the company and it just rings. I need a lawyer as well but on a fixed income. Im sick and dont need this added stress.
I have sent several disputes to transunion for the following credit inquires on my credit report that were not authorized by myself as well as dispute letters and a police report for identity theft. I never hear back from transunion in a timely manner. I have already filed a dispute with you guys on behalf of transunion and still the issue is not resolved. I am listing the inquires that I did not authorize below thank you Inquiry Source Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
On XXXX, NCC Business Services , Inc. forwarded me a debt collection letter stating that I owed the XXXX, NV. the amount of {$2500.00}. I indicated that I informed management that I have to relocated back to XXXX due to my leased home being foreclosed on. I presented the foreclosure notice to XXXX XXXX and her manager, with initials XXXX. They both waived any cost and informed me to just clean the apartment which I did. Six months later I received a collection letter stating that I owed the apartment said amount. I stated that the paperwork was fraudulently prepared after I left XXXX XXXX. The lady that prepared the fraudulent paper was named XXXX XXXX. XXXX XXXX told me that the debt was still owed for seven years and that I needed to pay since this was an attempt to collect a debt. XXXX XXXX, NCC Business Services, would not give me the bonding license number for his company. When I ran a debt collection search on his company ; no record appeared. XXXX XXXX told me to file a police report claiming fraud which I did : XXXX. The paper work in this case was fraudulently prepared as an insurance scam. It claimed that I did {$2500.00} of damage to the property but no pictures. This was done after I moved. My name was forged. In XXXX XXXX, I filed a lawsuit and it listed the XXXX as credit entries : civil action no. XXXX. The lawsuit investigation revealed fraud by this company and the entries were removed. At the time of the lawsuit, none of the old XXXX XXXX employees still worked there. There was no way of verifying the debt. I asked XXXX XXXX why after six years was he attempting to collect this debt now and put it back on my credit report. I asked him for the proof of transferring the debt to his collection agency and the name of the person who activated this account on XXXX XXXX, XXXX. He stated that he no longer had time to talk to me and hung up. I immediately contacted XXXX and asked to speak to the old employees. XXXX XXXX stated that none of those individuals worked there and that the property was no longer XXXX XXXX because the old company had been bought out in XXXX. XXXX XXXX stated that the new company was now called XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX is attempting to engage in theft by deception. I would like his company put out of business for fraud.
Please find letter dated XX/XX/XXXX, from XXXX XXXX for the amount of {$260.00}, Please find my dispute letter sent to them by certified mail and dated XXXX.which they never responded, the debt was never verified.I then disputed this debt with Equifax, please find  attached letter sent by certified letter dated XX/XX/XXXX, outlining the reasons that this debt was never verfield. Please see Complaint number XXXX for XXXX.
XXXX at email ... XXXXXXXXXXXX ... Green Tree/Ditech is withholding insurance proceeds for a completed project.
The bank is charging me more than my original mortgage, and they do n't want to help me or reach any agreement.
To Whom It May Concern : In XX/XX/XXXX I received a Capital One credit card bill with a {$19.00} charge for " annual fee ''. Since I did not want to pay a fee for a credit card I called and asked what my options were for a no fee card. I was told I could change to the Quicksilver card that has no fee. This was fine with me until I got a new bill with the {$19.00} charge still on it. 
I called again and was told that the fee was for going forward only but I still owed the {$19.00}. This was not my understanding from the first call and would have canceled the card on the first call. I get offers in the mail regularly from Capital One for no fee cards. 
I think they are using some of the " XXXX '' type deception. I would have canceled the card on the first call and I think if you listen to the " recorded for training purposes '' recording of the call you will find this to be true. 

I want my {$19.00} back or I am going to cancel the card. 

I also want to know what steps will be taken so that this type of deception is stopped. 

XXXX, NC XXXX
Champion mortgage foreclosed on my father 's home under a reverse mortgage and refused to deliver the excess funds to his estate after the sale. I called Champion and the representative assured me that Champion is entitled to keep these funds.
In XXXX of 2017 I was contacted by an extremely aggressive, rude, hostile, and threatening employee of XXXX about a medical debt of which I had no knowledge and did not owe. After trying to resolve the matter ( unsuccessfully due to their threats ) I sent a letter requesting that they cease all contact. The letter was dated XX/XX/2017. 

Today, I received a call from XXXX. The person on the phone who identified himself as XXXX or XXXX XXXX began yelling at me that I owe him {$60.00}. I asked what he was talking about, and tried to identify what he could be referring to as I have done no business with this company whatsoever. He then said " well you really owe us {$120.00}, but since you sent your little letter asking us not to contact you we'll drop it down to {$60.00} ''. I repeated that I had no idea what he was talking about, and then asked for his company 's name and mailing address. He started yelling at me again, then hung up on me. I called back hoping to speak to another person to get the mailing address and to verify the company with which I was speaking. XXXX answered again and said " well we got your letter, so you know our address ''. 

Upon reviewing my files, I noted that I did in fact send a no contact and denial of debt letter to XXXX, and although I have not had any change in my status of not having done ANY business with them nor any company that they represent, they have violated my rights and the Fair Debt Collection practices act. XXXX should be sanctioned to the fullest extent of the law and I want to be compensated for the harassment that I've had to endure in the amount of {$1000.00}.
I filed Bankruptcy ( Chapter XXXX in early XX/XX/XXXX ). It was reported to my credit report on XX/XX/XXXX and listed as fully discharged on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on XXXX, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
Realtime Resolutions out of XXXX TX took over my loan from XXXX in XXXX XXXX. I had filed Bankruptcy XXXX and made my monthly payments for XXXX 1/2yrs with no contact with them until XXXX XXXX when they started sending letters to my Lawyer saying I was behind {$3200.00}. on the loan. I had my Banker look over the loan history in XXXX XXXX and with her assistance we called RTR to get the account straight. The account was corrected by a XXXX XXXX and we agreed that the loan was behind {$1100.00} for which I agreed to pay it back plus the monthly payment over a 4 month period from XXXX XXXX to XXXX XXXX. 
I made all the payments that were agreed and then the regular payment from that point on. I contacted RTR for an issue with them not sending me monthly statements around XXXX XXXX and found out my account is behind again {$330.00}. I sent RTR proof the payments were made from XXXX to present showing bank statements and cleared checks for which they are refusing to accept. I contacted my banker again and had her go thru the loan history and the letters RTR was sending and says RTR is sending conflicting information that doesnt add up in any direction. I need your assistance to find out what is going on.
Someon stole my identity and use my name and got some phone in my name and it wasnt me .Please get this remove out my name.
On XXXX/XXXX/17 Transunion removed XXXX credit inquires from my credit report and then in XXXX/XXXX/17 they were added back to my credit file without notification, this is in violation of FCRA ACT. I have attempted to rectify the situation with Transunion directly and several representatives are unable to give me an answer. These are also companies I 've contacted Transunion about in the past and companies I 've contacted directed. Attached are the inquires and I want them removed permanently.
D. Scott Carruthers contacted family member regarding a suppose debt. They spoke of personal information and about relatives. Called numerous fmaily members. When called they provided incorrect amount of original debt and the monthly payment that was being paid. Being harrassed and spoke to in an unprofessional manner
The XXXX XXXX XXXX ( XXXX ) web-site used for managing and scheduling online payments has been and continues to show false information that lead to confusion and ultimately to some of my scheduled payments being late. The initial reason is that they simply don't process payments on the dates that you actually schedule them. So when they do eventually ( 5+ business days ) process  scheduled payments, in my case the funds were no longer available in my checking account. 

The next problem and my biggest issue is that their web-site still shows these scheduled payments as " Posted '' which is misleading and inaccurate because in the end the payments were not actually cleared and processed. This misinformation on their web-site directly resulted in my not catching the issue in-time to prevent a 30+ day late payment. It wasn't until I noticed the minimum monthly payment amounts were literally doubling month over month that I researched the issue, looking over bank statements, etc. and identified this major issue with their web-site. Even their automated phone systems provided the same ( false ) information when I first called to inquire. 

I've been in contact with a " Disputes Team '' since XX/XX/2019 about the matter, who are only available for contact via email. I've requested that they acknowledge this issue with their web-site as a contributing factor to my payments being late and remove the hit to my credit report but they refuse to accept any responsibility. 

Since identifying the issue, I've brought my account current by scheduling payments through my own bank 's " Bill Pay '' system to ensure timely payments, which has worked perfectly. Unlike the XXXX web-site, my bank actually processes the payment on the day I schedule it so I don't have to worry about balancing my checkbook on a daily basis just for this one particular vendor that takes an exceedingly longer time than any other merchant to process a scheduled payment.
I got a credit card with XXXX and I lost my job shortly after. I tried contacting XXXX to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form Cooling and Winter LLC in XX/XX/XXXX notifiying me that XXXX had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a XXXX. I received a statement of claim from magistrate court of XXXX county Georgia on XXXX XXXX 2017. I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday XXXX XXXX 2017 at XXXX XXXX Friday XXXX XXXX 2017 at XXXX, XXXX, XXXX, XXXX XXXX All of these times i have left voicemails. I have also emailed them multiple times and the attorney XXXX XXXX XXXX said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday XX/XX/XXXX at XXXX XXXX XXXX XXXX his name is XXXX XXXX with Cooling and Winters LLC. I was told I had to give them an answer by Tuesday XXXX XXXX 2017 whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by XXXX XXXX that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by XX/XX/XXXX which is not 30 days after I was served
Online outstanding balances are not updated to reflect accrued interest misleading borrowers regarding actual amount owed. Attended XXXX of Pennsylvania.
In XXXX XXXX, my mortgage loan was transferred without notice from XXXX XXXX XXXX to Nationstar Mortgage. I continued to pay XXXX the monthly mortgage and was assessed a late fees and received bad marks on my credit because I did not know the payee had changed. In XXXX XXXX, my regular payment was not credited to my mortgage. Instead Nationstar put the money in a 'reserve account ' and has since used it to pay a {$200.00} increase in my monthly payment. ( My ARM is not scheduled to increase until XXXX XXXX All of this was done without any notice to or agreement by me. I 'm concerned about making any payment as it may, again, be used for a purpose other than my contracted mortgage payment.???
I was offered a rehabilitation program by lender who advised if I completed this program my loans would be removed from default and they would update credit reporting agencies to reflect no late payments on my credit. I successfully completed the loan rehablitation program and was told after I paid on time for 12 months that they were not going to remove the default from my credit nor update the late payment status although the agreement shows that they will. They then advised me that I must pay the balance in full to have my credit update which was n't what was written in the orginal agreement.