WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE A MORTGAGE WITH LOANCARE. THIS IS THE WORST MORTGAGE SERVICE COMPANY I HAVE EVER EVER EVER EXPERIENCED!!!!!!!!! THERE ARE MANY COMPLAINTS ONLINE THAT ARE SIMILAR TO THE EXACT SAME EXPERIENCE I HAVE HAD. 

I PAY MY MORTGAGE PAYMENT ON TIME, ALWAYS, THEY CAN SEE MY HISTORY. I PAY ONLINE. I WENT TO PAY MY MORTGAGE IN XX/XX/XXXX ONLINE. I SPENT 45 MINS TO AN HOUR TRYING TO LOG ON. TRYING TO CHANGE MY PASSWORD. I CALLED TO GET HELP FOR CHANGING MY PASSWORD. THE PERSON I SPOKE TO WAS XXXX ID # XXXX. I HAD SPOKE WITH HIM ON XX/XX/XXXX. I TOLD HIM OF MY PROBLEM THAT I NEEDED HELP TO LOG ON. HE SAID HE COULD NOT HELP RESET MY PASSWORD SO I COULD LOG ON. HE SAID I HAD TO SEND AN EMAIL TO CUSTOMER SERVICE. IN THE MEANTIME I NEEDED TO PAY MY MORTGAGE. HE SAID I COULD PAY IT WITH HIM BUT THERE WOULD BE A CHARGE OF {$15.00}. I ASKED HIM TO WAIVE IT SINCE I ALWAYS PAY BY THE XXXX OF EACH MONTH AND HAVE NEVER BEEN LATE. HE SAID HE COULD NOT. THE OTHER OPTION WAS TO CALL BACK AND PAY OVER THE PHONE AND I WOULD BE CHARGED XXXX. I WAS SO UPSET THAT THE BANK IS CHARGING ME TO PAY MY DEBT. SO I CALLED BACK AND PAID WITH AN AUTOMATED RECORDED VOICE OVER THE PHONE SO I WOULD BE CHARGED THE XXXX INSTEAD OF {$15.00}. 
XX/XX/XXXX I EMAILED TO CUSTOMER SUPPORT LETTING THEM KNOW I NEED HELP TO RESET MY PASSWORD. NEVER HEARD BACK FROM THEM, EVER! 

XXXX ARRIVES I GO TO THE SITE TO PAY XXXX PAYMENT. LOW AND BEHOLD I SEE MY XXXX PAYMENT HAS NOT BEEN REC 'D. I WAS FURIOUS, SHOCKED, AND REALLY UPSET KNOWING A 30 DAY LATE CAN RUIN YOUR CREDIT HISTORY AND STAYS ON YOUR CREDIT RATING FOR 7 YEARS. I HAD PULLED MY CREDIT BEFORE THIS HAPPENED AND MY CREDIT SCORE WAS XXXX PLUS. NOW MY CREDIT RATING IN BELOW XXXX AND I WILL HAVE TO PAY MORE TO BORROW MONEY!!!!!!!!! 

I CALLED XXXX AND SPOKE WITH XXXX ID # XXXX. OF COURSE THIS IS AFTER WAITING FOREVER ON THE PHONE. SHE SAYS SORRY NOTHING SHE CAN DO. 
I ASKED TO SPEAK WITH A SUPERVISOR. I SPOKE WITH XXXX ID # XXXX. 
SHE APOLOGIZED FOR XXXX ID # XXXX NOT WAIVING THE {$15.00} BECAUSE HE COULD HAVE DONE SO. THEN I WOULD NOT BE HAVING TO SPEND HOURS AND HOURS AND HOURS TRYING TO GET THIS 30 DAY LATE REMOVED. I SPENT XXXX XXXX HOURS ON THE PHONE WITH XXXX MAKING SURE THIS 30 DAY LATE WOULD BE REVERSED. SHE SAID BASED ON THE CIRCUMSTANCES SHE THOUGHT IT SHOULD BE REVERSED. I SENT HER AN EMAIL AROUND XX/XX/XXXX. SHE SAID SHE WOULD TAKE CARE OF THIS. ON XX/XX/XXXX I REC 'D A LETTER STATING THEY WERE NOT REMOVING THIS 30 DAY LATE. I AM NOW FOLLOWING UP AGAIN. I SPEND XXXX HOURS ON HOLD XX/XX/XXXX WITH FINALLY HANGING UP. 
I NEED HELP WITH THIS. PLEASE, PLEASE PLEASE!!!!!!! I CAN PROVIDE COPIES OF EMAILS I HAVE SENT. BUT THIS IS JUST OUTRAGEOUS!!!!! ON XX/XX/XXXX WHEN I PAID MY XXXX PAYMENT I ALSO PAID MY XXXX PAYMENT. AT THAT TIME THEY WAIVED THE {$15.00}, SO XXXX COULD HAVE PREVENTED THIS WHOLE SITUATION HAD HE WAIVED THE {$15.00}
There are   XXXX   companies reporting a delinquent account that originated with a 60 month loan with CitiFinancial that was secured by a vehicle. The Loan was originated on   XX/XX/XXXX  for th e loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX . I  paid this loan as agreed until Approximately   XX/XX/XXXX  wh en the loan was transferred to    XXXX   XXXX   for servicing. I was notified by   XXXX   XXXX   that my b alance was still {$13000.00} after I had been paying my payments since  XX/XX/XXXX   (  5 years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  w hich I refused via fax  on  XX/XX/XXXX  and a sked them to come and pick up the car that the loan was secured on.        XXXX   XXXX   then transferred the Loan to   XXXX   XXXX   w ho also tried to collect before selling the account to   XXXX   XXXX  . I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by    XXXX   XXXX   XXXX    fo r the loan which was originated with Citifinancial as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports by  XXXX    XXXX   in the amount of {$13000.00} which again was originated with CitiFinancial. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Letter  ) ;  completely different than the Original Note ( Shown on the  Citifinancial Loan Origination Note ) The   XXXX   XXXX   Welcome letter does however reflect the correct Citifinancial Loan /Account number and corresponding    XXXX   XXXX   account number, which is then referenced by   XXXX   XXXX   an d  XXXX   XXXX . I will also include a letter from  Citifinancial  stating that they no longer have any of the documents of my real estate loan that was originated with them  (  it was actually a 60 month vehicle loan that originated on XX/XX/XXXX   XX/XX/XXXX   ) so they will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the  Loan  that was Originated with Citifinancial be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.             I want any and all delinquent accounts that originated with the  Citifinancial Loan  from   XX/XX/XXXX  b e Permanently Deleted from all  XXXX  of my credit reports from the  XXXX  major credit reporting agencies. Primarily the Delinquent account being reported by    XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX ,  Citif  inancial Inc,  and  XXXX   XXXX ,  XXXX .
I called the company on XX/XX/XXXX and explained that my income level has changed. I have been making payments toward this account for four months. the payments are semi monthly and range between {$320.00} to {$350.00} per payment. the original loan amount was {$2400.00} and even though I am making payments regularly, I still have a balance of well over {$2900.00} dollars. Only XXXX per payment is being applied to the principal balance of the loan. it is not explained that the account adds interest each day that the loan is not paid off. I called on the date listed above to request a settlement to pay the balance in full since my income has changed. I was informed that this is not an option. I was advised that the total balance due was going to increase by more than {$700.00} at the end of XX/XX/XXXX.
My credit card had a XXXX address. 
In XX/XX/2016 I accepted a temporary work position in XXXX. From XXXX onwards, the only charges that were made on my credit card were in XXXX, or on the way to XXXX. No charges were made in XXXX after XX/XX/2016. 
At the end of XXXX I contacted Capital One and requested that they send my monthly statements to me in XXXX. A week later they froze my account for " suspicious activity ''. This suspicious activity turned out to be my address change request. 
After speaking to multiple " fraud specialists '' ( ahem! ) to resolve the issue, I decided to stop using the card. I was told that in order to obtain the rewards owed to me, I would need to speak with a manager of Capital One. A specific appointment was made for this to happen on XX/XX/XXXX at XXXX EST. Capital One chose not to keep this appointment. 
Capital One will take my final payment, but wont release my rewards without manager approval. It makes no sense. Actually nothing that Capital One has done during this fiasco has made any sense. Capital One has since changed the address on my card to my XXXX address! And this is the suspicious activity! If I had not made this address change request, my account would not have been frozen. 
I would like help in obtaining a check for my rewards of {$250.00}. At no point has Capital One said that these rewards are not due to me. But they said it has to be approved by a manager. I have run out of patience trying to deal with Capital One on an issue that they have handled very poorly from the start.
XXXX XXXX XXXX sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt XXXX XXXX XXXX is attempting to collect is over Nebraska 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with XXXX XXXX XXXX after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - XXXX XXXX XXXX. If XXXX does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.
Attempted to collect wrong amount. I never had the services for the above said amount {$73.00} and {$60.00} from XXXX XXXX XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me It was removed from collection, again inserted. 

Because of this my credit score has been drastically gone down. Please help me asap.
I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX  SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
I just got an updated credit score from XXXX and Equifax. I was able to get a loan to pay off credit cards and have a lower interest rate and monthly payment. Sure enough, my credit score has gone up. However, XXXX  increased my score by over 100 points, putting me in the " Excellent '' range. Equifax only increased my score by XXXX points, and I'm still in " Fair. '' This is completely wrong. If I need to buy a car or do anything else that relies on a credit score, I could get a MUCH better rate if the company checks XXXX  over Equifax. Our system is completely fouled up. I am a slave to the credit agencies, and they don't have any sort of system that is even similar to each other! How in the world has the US come to this point?
XX/XX/XXXX sent a letter to Equifax disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XX/XX/XXXX received a letter from Equifax stating that they " verified '' that the bankruptcy belongs to me but did not provide proof used to validate that it belonged to me. 
XX/XX/XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XX/XX/XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
Equifax found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.
I went into the automated system to make my mortgage payment history on XX/XX/XXXX. I completed it and heard a confirmation number. I was driving and could not right the number down. I received a collection call the first week of XXXX. The person from Penny Mac said they needed to talk about my account and asked from my SSN. I asked why they needed to discuss my account and they said they needed to verify my SSN first. I refused, as I assumed this was a scam. 

I was called today XX/XX/XXXX. The person asked for my address. I provided it and apparently the automated system made and error ant the payment wasn't recorded. I immediately pooled up my account and verified the payment wasn't withdrawn. I paid the past due amount immediately on the phone. I asked them if they could make sure this late would not report to my credit. They refused to acknowledge the systems error. They could see I called in to the system on the XXXX. I have a perfect pay history. They also could see I call in the same time every month to make the payment, but said the could do nothing about it. They offered the address to file a written complaint, but by then the damage will be done and she reitterated they can't change the credit. They could report this to the credit as their system error. They just won't. I now will suffer a 30 day mortgage late on my credit. This is uncacceptable
I updated my contact information online because i moved. The company ( great lakes )  would not update my information without an email address. Then once you enter the email address you are automatically signed up to receive everything by email. There is no way to receive all correspondence in the mail excepted to call and have customer service fix the account. I received a " verify your email address '' and did not respond to it. My email address was not verified. The company then sent me an email with my account number amount due and other information to the email address that had yet to be verified. Is it acceptable for them to send my account information to an unverified email address?
I filed for bankruptcy protection on XX/XX/XXXX. At the time I had numerous loans with USAA. One loan in particular has close to a {$50000.00} balance and my parents are co signers on the loan. My parents mailed in a payment on XX/XX/XXXX to continue payments on the loan. They want to continue to make payments on this loan to protect their creditworthiness. However, USAA is not accepting their payments. To add insult to injury, they are returning their payments to me in the form of a check. So basically my parents are sending them the payments on the loan, and USAA is in return sending the payments to me. I am worried this will affect their creditworthiness as well. I have tried to call USAA on this and they will not address this issue.
On XX/XX/18 I got a notice from XXXX for a late payment of {$2100.00}. I shouldnt of been charged for this because I was a passenger not at fault. I contacted my insurance company and XXXX to clarify my information but had no resolution or notice was confirmed.
On XX/XX/2018 I received a notification from XXXX XXXX XXXX XXXX that there's an update on my credit. When reviewing it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX was showing ( 4 ) Property Tax bills this was handled in Equitable Distribution Order through the courts in XXXX XXXX. I have not received any documents or notice of this in the mail. I called the number listed XXXX listed on the credit file and a recording gave me another number to call XXXX. They show Account type : Collection Dept. Agency Attorney A lady answered the phone and I questioned her about these bills on my credit she verified my SS # Name and date of birth the last name she had was XXXX my ex-married name. She stated she sent notice to my address listed above I have not received anything or phone calls. She refuse to give me any information about these account she stated there were a problems with the bills and they need to be adjusted to call back next week. She kept trying to rush me off the phone as I was trying to find out what was this for. It appears when XXXX XXXX system got hacked a lot of peoples property tax information got stolen. I contact the deeds office in XXXX XXXX and they stated they have not sent me anything about taxes. 

I did dispute this with XXXX as fraud waiting on the results. These people need to be identified us XXXX XXXX as the original debtor to scam people out of money.
Closed mortgage loan #  XXXX  on   XX/XX/2017   property address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . Mortgage held with  Academy Mortgage Corp.  They cash a check for the amount of {$2100.00} on th e  XX/XX/2017 .      Academy sol d loan   XX/XX/2017   to  XXXX   XXXX ,  XXXX  took over the servicing.  Academy failed to  apply the payment to the loan prior the the sale leaving me and  XXXX  and the new servicer with the incorrect balance.     Academy Mortgage the applied a payment of {$2100.00} with a  date  XX/XX/XXXX . I w ant you to do a full investig  ation of this matter.
On XXXX/XXXX/2015 I reached out to Midland Fund to settle a debt. It was agreed that a payment of {$1400.00} would settle the debt. A letter was received shortly after dated XXXX/XXXX/2015 that confirmed this information. I signed it, made a copy and sent it back. They continue to report this balance. I 've talked to the department handling the account which can be reached at XXXX and they confirmed the balance was paid. I was then directed to call XXXX who asked if I wanted to settle the debt. I am getting the run around and no one at this company seems to know what is going on, they 've been affecting my credit for 8 months and getting this matter resolved is not something they are interested in doing.
I am the co-signer for my daughter 's XXXX Navient student loans which have been in default for approximately seven years. I am XXXX and it is recognized by the Social Security XXXX. I am also bankrupt. I filed Chapter XXXX in XXXX and XXXX XXXX in XXXX. For years I have contacted Navient numerous times to try to get this loan out of my name since I will never be able to afford to contribute to its balance. I am not requesting that the loan is dismissed and forgiven ; I am requesting for these loans to be taken out of my name. I was told by Navient of ways to have my name removed ; however, they were very expensive and not an option for me. I have asked numerous times why it is XXXX 's policy that the co-signer can not removed from the loan based on their XXXX. No one has ever been able to give me an answer other than saying it 's XXXX 's policy. It was also recommended by a Navient representative to have a XXXX form completed by the doctor and returned to XXXX for review to see what happens. I did so and was immediately denied with the only explanation being co-signers can not be released from the loan based on XXXX. When I called to ask once again for further explanation of the denial, I was given contact information for Asset Recovery Solutions , LLC which is a collection agency. I immediately called the collection agency. The lady I talked with said she would note my account in the computer and send it to some department. She suggested that I call back in two weeks for an update. I called today, XXXX XXXX, XXXX. A different lady had no idea what I was referring to as she said my file was not forwarded. She then transferred to a manager. This male manager with an attitude was not knowledgeable and incorrect in some of his statements to me. He said that these private loans can not be forgiven by borrower or co-borrower. I asked him why is there such a form if that is the case. I feel that this policy is unfair because the borrower can apply for relief if he or she is disable, but the co-borrower can not. The co-borrower is human as well and can become XXXX and unable to repay the debt.
Some one help me, ATTORNEY GENERAL OFFICE, FBI, FDIC, OCC, and all other agencies, this is one of most disgusting things I ever seen, I have paperwork to prove XXXX XXXX CREDIT CARD closed my account out clean and reported me good for for over a year with account closed. Well someone disputed them at TRANSUNION or something, I am going after XXXX XXXX for money they owe me, the XXXX have nothing to do with each other, you are not gon na believe what XXXX XXXX did, and TRANSUNION, XXXX XXXX out of spite illegally put a remark on my TRANSUNION and brought my credit from XXXX to XXXX with a negative remark which has should never been on there, they are doing it out of spite, first of all I have every right to go after them for illegally embezzling money on my credit card, they have been reporting positive for over a year, but the issues run deeper, XXXX XXXX closed my card and said they did n't, but oddly right at {$1000.00} which was my secured deposit WHICH IN ITSELF MAKES NO SENSE, but they also re put disputes on their over {$1500.00} worth and kept the money, these things have nothing to do with credit reporting, but they put a negative remark out of spite with after being identity theft, beaten on property and other things they know, they have hurt my health, my credit to get a loan for car or home and job and then some, this is criminal and I will not rest til they pay for what they did, how gross and scary.
My Macys credit card had fraudulent charges and after several months Macys has neglected to remove the report to the credit bureau. This has resulted in damaging my credit score.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX XXXX XXXX
My name is XXXX XXXX, and in 2008 I purchased a 2008 XXXX XXXX XXXX pickup truck. The company approved me for a loan to get the pickup ( the company is in Texas ). Yesterday, a collections company called me, and a very demanding woman told me to pay her a loan that I owe her for XXXX more [ XXXX ], I think its perfect I pay them that amount. [ XXXX ] Please, make them pay me the available credit of {$18000.00} more. [ XXXX ] If they engage in vandalism and steal from everybody, they should pay that loan that they stole from me in credit ... [ XXXX ]
XXXX has been reporting a foreclosure on my credit reports for seven years. However, this mortgage was never foreclosed. In addition, the correct date of XXXX delinquency was not reported. All XXXX credit bureaus reported different XXXX date of delinquency dates which further indicated XXXX is not reporting correctly. XXXX and XXXX XXXX noticed this discrepency and deleted the account ( XXXX ). Equifax noticed the discrepency but continues to report the account after multiple investigations displayed inaccurate data. I have explained to Equifax that I was denied credit due to the account stating it was a foreclosure. On XXXX XXXX, 2015, the account was changed again to account closed and paid, and no foreclosure. I am submitting documents.
This is not a dispute for debt, this is a request to remove an address that does not belong to me.
I applied for the Barclays Gold Luxury Card under the impression that annual fees for XXXX military would be waived while I was in possession of it and maintained good standing. I received a letter stating this and also followed up with the organization late in XXXX to ensure there were no changes in store. I was assured that no changes would be made for military members. 

The intent of my application was clear, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning XX/XX/XXXX. I feel I should be grandfathered into the annual fee waiver as I applied before this changed as a military member. Additionally, this will financially impact me negatively.
Equifax is taking longer than 45 day to send me results of disputed wrong personal information affecting my report.
all   XXXX   bureaus fail to remove  XXXX   XXXX  from 3 years ago!   no replies no response numerous request to investigate with no action taken