WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage payment was changed due to what they believed to be an escrow issue. I pay my property taxes out of pocket each year. Roundpoint mortgage raised my mortgage payment to cover this " escrow issue. '' I called them as soon as I got may statement and spoke to them. They did not know what was going on and told me not to pay my mortgage until it was resolved and they would call me back. 90 days ( approx ) later I called back since I had not heard anything. They still did not know what was going on, I paid my mortgage ( the higher amount ). I continued to pay the higher amount after continuously calling in to see what was going on. In the meantime, they reported a delinquency to the credit agencies which ultimately lowered my credit score and cost me a deal on a rental property I was bidding on and a potential higher rate on an auto loan at the end of the month after my lease is up. This is after they told me they did not report it to the agency that they just sent me a letter. These calls are all recorded from my understanding. I have never had anything like this happen to me. My credit prior to this was XXXX-XXXX  and it lowered my score to XXXX-XXXX. I have never been delinquent on my mortgage payments.
XXXX XXXX XXXX XXXX is calling all times and let it I know that if I do n't pay this account my credit is going to be damaged and I can do nothing with my credits. This account is 7 years old and is still appear on my credit with {$130.00} and {$2000.00}, Those accounts are from 2010 and are almost 8 years of this.
i submit my application for a loan modification last week in XXXX and sent all requested documents 2 weeks later in XXXX, but i got and email stating that the one document need to be resent in the XXXX XXXX, which i did the next day only to be told i need to resend it again which i did three times, so now as of XXXX/XXXX/XXXX they have everything that was request but when i call on the XXXX, they still have not obeyed the law according to the homeowner bill of rights and stop all foreclosure action against my property, can you please help
Notification of Identity Theft to Financial Institution and Credit Grantors XXXX2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Fraud Department : XXXXTRASNUNION RE : XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX  through XXXX and XXXX. I am requesting the following items be removed on my reports from your companies as XXXX has done already.

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity.

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information.

The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX

Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile.

Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency.

Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account.

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience.

Sincerely, XXXX XXXX XXXX
Today, XXXX XXXX,2017, I tried to access my Equifax report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the Equifax data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the XXXX report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.
Since XX/XX/XXXX my loan has been sold four times..well the second lender round point mortgage screw up my escrow account big time by paying home insurance twice in XX/XX/XXXX to XXXX XXXX XXXX and to XXXX XXXX in XX/XX/XXXX for XXXX, even though they claim to have gotten credit back for the XXXX XXXX check for XXXX I do n't have any written proof that they put money back on escrow and it sure did not reflected in escrow balance. And when XX/XX/XXXX came around I received a letter from XXXX XXXX XXXX that my loan had been sold to them and the XX/XX/XXXX payment should go to them, plus it was time to pay property taxes round point paid the taxes before transferring loan over, but at the same time the new company also paid taxes, so now we run into property taxes paid twice and escrow account extremely short, I called county department and they confirmed over payment but they also told me that they had send round point a refund check # XXXX XXXX  back to round point around XX/XX/XXXX but by that time my loan was already with new company XXXX XXXX, I called round point and told them about check refund it was only then they said ahhh yes but we transfered money over to new company. But new company says they did not received that money from round point and are asking me to get some sort of written proof from round point like a wire transfer or check number, I 'm just overwhelmed and frustrated I 'm playing ping pong from those two companies and nobody takes responsibility for anything please help I have ask in writing by emails, fax, and calls to get anything from round point but has not work thanks
On XX/XX/XXXX we deposited a check from XXXX XXXX XXXX for {$32000.00} into our son 's Chase account to pay for his vet school tuition. Chase, on the deposit slip, said that the funds would be available on XX/XX/XXXX. The funds were transferred from our XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX the funds were still not available and the Internet Chase site stated that it would not be available until XX/XX/XXXX. I went to my local Chase Bank and the banker stated that sometimes Chase does this and that he would call them on Monday and make sure that the funds were freed.
Nationstar will not give payoff amt to Totle company to close on sale if my home.
My school is XXXX Unviersity, XXXX XXXX XXXX XXXX, XXXX, NY XXXX They contract their payments to Campus Partners, who just this month began charging XXXX per transaction, per loan to pay from my checking account. It is much more to pay by credit card. The only way to not pay those " convenience fees '' is to pay by check or automatic withdrawal. I ca n't do automatic withdrawal because I do n't always have that money available to pay and I need to have the ability to initiate the transaction. I ca n't pay by check because that is not how I handle my finances in 2016. I find it absurd that paying electronically for student loans is the " convenient '' and not absolutely standard option. I 'm incensed to have to pay and pay and pay, since I may have to pay in several transactions, incurring XXXX per transaction to pay my loan. ( +interest )
Had a leased truck with boyfriend through Ford. We broke up. The boyfriend started paperwork to transfer the lease to his name only so I would be removed since we were no longer together. We were charged a transfer fee. He then passed away just after this was completed. Ford now acts like the transfer never happened and is looking to me to pay this. if the transfer was n't complete, they should refund that fee. I have asked for copies of the documents ( since according to them I am still on the account ) ... all documents including the transfer of lease forms. I received nothing. I was told my account was turned over to someone at ford and they would be calling me..i have received no call. I also receive no help from XXXX XXXX in XXXX IL where this was purchased. The boys club does n't seem to want to respond to me. Paper work for the lease when we began this had to be redone 4 times with XXXX at the onset.
I called Wells Fargo to report a lost credit card. The credit card had a limit of XXXX and a balance of {$0.00}. While on the call I mentioned that I needed about {$5000.00} for a very short time and planned to use the cash to get me through a rough spot financially for me. I did not want to tap into my investment account worth almost XXXX due to tax consequences. I was receiving retirement and social security amounting to about {$52000.00} a year. I just paid an XXXX tax bill and was waiting to sell a house I owed that carried no mortgage. This information was all given to the loan officer I dealt with over the phone. 
The banker aggressively sold me the loan and then they told me I did n't qualify because of my FICO score and short banking history with them. I 've had my Wells Fargo accounts for over 20 years and in the last year moved over {$270000.00} through my checking account not including the XXXXXXXX deposit made from the sale of my second home on XXXX XXXX, 2015. 
There is no logical reason I was denied credit unless they were discriminating or only using part of my financial information.
On XXXX XXXX, I filed a claim with XXXX to dispute multiple transactions I paid to the same business. In total, I spent {$2500.00}. I never received the items. Paypal explained to me that I needed to dispute each item individually although there was a partial payment of the same invoice, however when I called back on XXXX XXXX to check the status of my claim I was informed that my claim had been closed because of this. According to the FCBA and PayPal 's policy, I am covered against deception, fraud, and unfair business practices. PayPal 's buyer protection program is a contractual agreement between all parties involved, yet PayPal has refused to honor their obligated agreements for this claim. I would like for all monies to be returned to me immediately and for this matter to be brought to the attention of President and CEO XXXX XXXX. I will be contacting him at XXXXXXXXXXXX I have also made a complaint against PayPal with the FTC. The transaction ID for this purchase is XXXX. Thank you for your time and consideration on this matter.
On or about XX/XX//2018 I was shopping in a XXXX XXXX XXXX store. The cashier stated that if I gave her my DOB and SSN she would enroll me in a club that would provide me a store discount. She never stated credit card. She never stated my credit bureau file would be accessed. I gave her the information she requested. 

Both my XXXX and XXXX credit reports show an inquiry from XXXX XXXX / XXXX. I never authorized this inquiry. XXXX XXXX never had permissible purpose to access my credit bureau reports. 

The sales person lied and did not state this was actually a credit application. She only stated I would be joining the XXXX XXXX XXXX. 

In spite of the fact that XXXX XXXX illegally accessed my credit bureau reports, they never sent me the results of the credit application. They never sent any credit card. They never sent any adverse action notice or ECOA notice. This is also illegal.
BYL Services reported to XXXX credit reporting agency XX/XX/2016 an account that they placed with another agency. The lady I spoke with on the phone said that they did n't. She was very rude and I was calling in to clear the debt. She said they had placed the account with another agency and i should take it up with the reporting agency. I asked her if she could look into it and she said she already did. Very rude and false reporting from this agency.
XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Express Recovery Services  The collection agency  Express Recovery   aka   dba   XXXX   XXXX  has made multiple reports to the Credit Bureaus which are duplicated more than once on most an d two or three times on many. In total 31 reports filed with 16 o f those being duplicates or triplet reports of the same claim. Their is also a claim reported on my credit report that is  XXXX  bill which had nothing to do with me nor services being rendered to me. The bill was for a hospital stay involving my husband  XXXX   XXXX  and the  XXXX  wrote the balance off but the collecto r Express Recovery  will not stop collections on the claim as well as filed for judgement of the claim and another charge which was written off too. Please give the agency and the hospital attention in this type of practice which seems to be deceptive when the charges had been forgiven then revived to collect again and services that I did not receive.  Total r eported claims exceed  XXXX  that are wrong, duplicated or not applicable to my receiving the service.
On XX/XX/2017 I mailed a letter to Equifax stating that an inaccurate item being reported was being reported on my credit report by XXXX XXXX XXXX XXXX. The item shows a balance of {$57.00} and an account status of charge off. I enclosed a photocopy of the validation letter that I sent to XXXX XXXX XXXX XXXX at the address on my credit report ( XXXX XXXX, XXXX, MI XXXX ), it was returned to me by the post office.I demanded that they remove the inaccurate information immediately. i even provided them with a copy of my credit report showing the inaccurate item. I received the results of my investigation from Equifax stating that they the creditor has verified to them that the account is being reported accurately, and informed to me that if I was to have any additional questions to please contact : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX MI XXXX which I informed them I tried to do but I was unsuccessful in my attempts.
I do owe money back to a phone carrier but they never mentioned I had rights nor did they sound professional. They never gave me the option to reject. No choices.
this company does not verified any dispute, they seem to generate a general letter wait 30 days and send out everything is good. the other agency validated the same account and the results was deleted i was not a member of XXXX until XX/XX/XXXX, but yet they have me owing them in XX/XX/XXXX
I was approved by Vanderbilt Mortgage for a manufactured home loan and my loan office wont return my calls Ive left several voice mails they wouldnt give me her email I had to get it from a XXXX homes employee, she is not responding to my emails Ive sent her home buying assistance application she wont respond Ive even sent out dated application she wont respond. I called XXXX XXXX she wouldnt answer she had them tell me she was on break then they sent me to another loan XXXX who wouldnt help me but told me I dont qualify for a fha but they gave me a conviental loan with high interest high down payment and a high mortgage and no one wants to help me fix it. I am a single parent of XXXX I down have XXXX XXXX just laying around. I thought your supposed to help your clients find the best possible mortgage the best fist time home buying process not just push them to the side cause they dont fit your expectations
On XXXX/XXXX/2016 I opened a new Citi AAdvantage card for a credit on an airline ticket purchase. I used the new card successfully to purchase my ticket. On XXXX/XXXX/2016 I received an email asking me to call Citi about potentially suspicious activity. I never received the actual credit card itself so this was concerning. When I Googled the phone numbers associated with the calls made on XXXX/XXXX/2016 between me and Citi there were numerous reports online about people having the same experience as I was. Specifically, opening a Citi AAdvantage card then having suspicious charges made in Michigan state showing up as fraud. Seems odd that these particular fraud events would be repeated in detail on more than XXXX persons account in the same way. Seems like maybe it 's an inside job.
I made a complaint about BBVA, I tried to call them but they hung up on me. The complaint number is XXXX. I also provided feedback. I would like everything to be reviewed again. Because if they are using an automatic system I did not chose that, if I do not have the money in the account I do not wish to pay something. They decided they would pay it. Which would be a personal business loss on their end. I have no accountability or responsibility to pay them back. Even BBVA 's documents and submitted and in their reply they even state I had the money, and I went into a branch and got my money, their fees were not even process the day I got my money. Again on them and their system. They even show how and tell how they just kept piling on fees two {$25.00} fees several {$38.00} fees and they just kept sending checks according to one of the agents. Which would be another system error.
Applied for a mortgage, the process is going slowly ( nine months so far! ) and the lender has checked my credit report probably six times for the same loan. Experian is now claims that my credit score has lost XXXX points ( it was XXXX, it is now XXXX ) because of " too many inquiries ''. This lender checks my credit constantly, and my FICO score goes down each time. 
I tried to get an online credit report from them, it downloaded, but my computer crashed, and everything disappeared. I wrote to Experian to get them to send me a hard copy and they have completely ignored me. 
I ca n't even defend myself - I have lost XXXX points off my FICO score for no reason at all, and nobody seems to give a XXXX. I have never been late on a mortgage payment in my entire life ( and I 'm XXXX ), and have n't had a 30 day late since 1972. It is n't easy to get an XXXX FICO score, and I do n't want to lose it and pay extra interest because Experian ca n't be bothered to fix the credit report.
I recently applied for credit monitoring service and was denied. I am unable to monitor my score and agency refuse to allow me to setup service however continue to report inaccurate information.
I applied for a interest free 24 month credit card with Best Buy and after the 24 months they are charging me back interest from the date 24 months ago, I was told the credit card was interest free for 24 months and now Citibank Best Buy is trying to charge me {$3700.00} in back interest.
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Transunion and XXXX/XXXX   with no successful resolution. Transunion only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Thank you for the opportunity to discuss my problem. On XXXX XX/XX/XXXX I suffered a career ending injury. I applied for, and was granted XXXX XXXX  XXXX benefits in XX/XX/XXXX. In the subsequent 2 years I had no problem meeting my financial obligations. In XX/XX/XXXX, my benefits were arbitrarily terminated. A federal law suit was filed and is currently working its way through the courts. During this time I exhausted my life savings in an effort to meet my financial obligation. In late XXXX I began the process of requesting a DEED in LIEU ( DIL ) from HomePoint Financial,  the holder of my mortgage. After several difficult months of a run around trying to execute this, Homepoint finally, apparently put the process in motion. During this time period Homepoint was very difficult to communicate with. Often avoiding answering my questions. Frequently stating they would " look into '' my question and get back to me. Often never reaching back out to me. Finally after jumping through every hoop, always in good faith, the DIL was approved. On XXXX XX/XX/XXXX the appropriate legal documents were recorded with the registrar of deeds in the County of XXXX. These included the Warranty Deed and Discharge of Mortgage. I have attached them below. As todays date, XXXX XX/XX/XXXX, the account remains open with a balance of {$160000.00}. In addition Homepoint continues to report me to the credit bureau as delinquent. I have made several attempts to discuss this with Homepoint in the last several days and have been met with severe obfuscation. Every attempt to contact Homepoint has resulted in me speaking to a low level bank representative that has been unwilling or unable to rectify or even explain what is going on. I am sure CFPB can understand my frustration. This long drawn out process has had, and continues to have a very significant negative effect on my credit history. 
I believe Homepoint 's behavior is at best, bad faith and at worst, possible a violation of the law. I have completed every request made of me in good faith. Any help you can give in getting this issue resolved would be greatly appreciated. 
If you have any questions please feel free to contact me at your convenience. 
Sincerely XXXX XXXX ( XXXX ) XXXX
I have been fighting with a collection agency over debt from XX/XX/XXXX. The statute of limitations has been reached, twice, and they are filing another court case against me. 
The original case was filed in XX/XX/XXXXand they weren't able to collect the debt then, and now my wages are set to be garnished. I didn't even know they were going to do this. I have not had any communication with them since I last spoke with their lawyer and informed him that the file dates were beyond the statute of limitations. Now the court docket does not have any lawyer information on it, only the company that is suing me for debt that was charged off over 11 years ago. 

Collection agency : Account Brokers of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CO XXXX
i attempted to obtain a small XXXX loan through my bank (bank of america), however i was not allowed to fill out an application because i did not make $XXXX a year.
On XX/XX/2018, I received information from XXXX of a Public Record on my credit file. I was curious and wanted to find out where this information came from. I found out that part of the information came from a company called Lexis-Nexis. I never did business or heard of such a company so I contacted them to see what type of business this is and where did they obtain their information. They explained that they were not a credit agency although they collected and distributed information on consumers. I asked since they are a source of information for businesses is their any requirements that they should obtain authorization from a customer before they sell or share such information? 

This is found on the website : Please note that LexisNexis Risk Solutions is not a credit bureau and does not maintain a database of credit information. We do not have the ability to add a security freeze to your credit file. 
If they do not maintain credit information then their access appear to be unlawful and possible fraudulent. Please share your information in regards to this company. As XXXX of Lexis-Nexis that they are in compliance with all regulations. Thank you