WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX On XXXX XXXX, XXXX, I received a response from NationStar Mortgage XXXX XXXX XXXX # XXXX. After further review with XXXX XXXX, we were advised that the account was settled in full on XXXX XXXX, XXXX, and that the credit report will be updated in XXXX XXXX. 

Upon information and belief, this meant the account would reflect account settled in full. The account today XXXX/XXXX/XXXX reads settled in full for less than the total balance. 

This is the second time I was advised the account would report to the credit bureau as settled in full. The first time was on XXXX/XXXX/XXXX XXXX XXXX  writes These payments will be posted to your account and will be accepted on the above balance as settled in full, with no future liability to you once completed. '' See enclosed document. 

The words used XXXX XXXX in their documents difficult for some consumers like me to understand. For example, the word settled for me mean the account is to be settled in full. with no future liability to you once completed said that paying a settlement amount would have no adverse effect on ones credit history. 

I was misled to believe having a settlement would have no adverse effect on my credit. It is important to note from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I made payments every month. 
The simple words settled in full and the words added to the end of the sentence for less than the full balance '' to be a ray of sunshine for most consumers. 

Most consumers this would be followed by a conversation with XXXX what those words meant and allow for the consumer to make an informed decision as to how to proceed most welcoming. 

XXXX written words need to be explicit. The words " for less than the full balance in all necessary documents. The cost to the consumer for XXXX XXXX not to be forthcoming to be a seven-year- thunderstorm over the consumers head painfully. I would like XXXX XXXX Nationstar Mr. Cooper to update my credit as agreed on XXXX XXXX, XXXX, letter to say the account was settled in full. 
Kindest Regards,
XXXX I made my weekly deposit from my XXXX account into my BofA account. The amount was {$1700.00} check XXXX. The check cleared XXXX the same day. I was advised on XXXX by email from BofA that my account had an insufficient balance and was accessed numerous NSF fees for my scheduled bill pay that was not processed due to a hold being placed on the check that already cleared the bank it was drawn on. I called the bank and no one can tell me why a hold was issued and they will not refund {$280.00} in NSF fees, as they stated it is not a bank error. I have made the following deposits from the same account on a Monday to cover my scheduled bill pays and a hold was not placed. 
XXXX {$1800.00}, XXXX {$1200.00} # XXXX, XXXX {$1600.00} # XXXX, XXXX {$1600.00}, XXXX {$1000.00} # XXXX, XXXX {$200.00} # XXXX. 
The following large deposits were made from the same XXXX account, not on a monday, but nonetheless, no stop payment was placed on those funds either. 
XXXX {$1400.00} # XXXX friday XXXX {$1200.00} # XXXX sunday, XXXX {$900.00} # XXXX thursday XXXX {$1800.00} # XXXX friday XXXX {$1000.00} # XXXX tuesday You can see by the check numbers, I checks from this XXXX account are consistently being deposited into BofA and do not have a history of being insufficient. 
BofA does not have a right to charge me these bogus fees. XXXX is enough.
I had my credit pulled for home loan application in XX/XX/XXXX. I was told there was a judgement listed from Portfolio Recovery  Associates ( PRA ). I called PRA and initiallyPRA said I did n't have an account with them, It turned out that it was my ex husband 's ( XXXX XXXX ) account, but I was listed in judgement ( XX/XX/XXXX community property law ). I asked how much the debt was and if I could negotiate something. PRA told me they could n't speak to me about it because it was n't my account. Finally, I was transferred to XXXX XXXX who negotiated a settlement with me. She told me that the total owed was about {$8000.00} with fees and such. I settled it for {$4000.00}. Two payments of  {$2000.00} each, XXXX told me to call a week after the last payment and PRA would send me the Satisfaction of Judgement Document. I called a week after last payment, was on phone for 20 minutes, PRA refused to talk to me because it was my ex husbands account and not mine. I called about 4 times in a week. Finally, PRA would speak to me and each time I was told something different. I never received SOJ and I later found out from the courthouse in XX/XX/XXXX that the judgement had expired and was n't even valid anymore.
I feel that PRA collected on false pretense and the agreement I entered into was for the judgment against me, ( which didnt exist at the time ). The account was never mine. I to this day never received a SOJ. I am extremely frustrated are hoping that you can help.
I never knew about judgement because my ex was served and not me. We lived in XX/XX/XXXX during judgement service, XXXX. I just paid this in XXXX, I currently live in XXXX
U. S. BANK HAS FAILED ME! AS A RESULT CAUSED MANY PROBLEMS, O/D FEES ETC. 
IN XX/XX/XXXX CALLED TO DISPUTE THE FOLLOWING UNAUTHORIZED TRANSACTIONS : ACCOUNT # XXXXXX/XX/2015 UNAUTHORIZED DEBIT PURCHASE : XXXX XXXX IN THE AMOUNT OF {$890.00}. 
XX/XX/2015 : XXXX XXXX XXXX IN THE AMOUNT OF $ XXXXPLEASE REVERSE AND CREDIT MY SAVING ACCOUNT # XXXX IN THE AMOUNT OF {$1300.00} ( SEE ATTACHED DOCUMENTATIO ) THANK YOU!
I mailed several certified letters over to each credit bureau since XX/XX/2017 and every month there after. To only receive verified credit reports. Your company has pushed me to take legal actions against you due to breaking and violating my rights within The FCRA FACTA. You must take the proper protocol and take the correct steps in verifying a consumers debt. You must also get consent from the consumer in order to touch a credit file. It seems that you never attempted to contact me nor did you follow any directions. The law states if you cant verify a debt it must be removed immediately. I am distress and living miserably due to error accounts that you are reporting inaccurately. I have contact the attorney generals office, filed a lawsuit at the XXXX XXXX County Courthouse, i also filed a complaint with the FTC. You are reporting several addresses on my account inaccurately, this is the correct address XXXX  XXXX XXXX XXXX FL XXXX. The accounts that are inaccurate and I am unaware of the accounts listed in the attachment below.
Bank of America put me in foreclosure says I owe {$9000.00}. After finally receiving the first 6 years loan history payments they did not pay my principal payments for the first five yearsyears, the promissory note reflects 7.130 interest rate at {$490.00} paymentspayment each month for 15 years. we received monthly statements in 99 that stated that we were only supposed to be charged {$9.00} per day for interest the interest rate of 7.130 comes out to {$10.00} a day then if you figure {$9.00} per day the interest rate should be 6.5. if you amortize 7.130 + interest your payment should be {$490.00}. We were overcharged on interest along with late fees and there 's are several payments that are not on the payment history they also applied to much to interest for multiple years breaking the usery lawlaw. This is a breach of contract and they have ruinedvour credit for years we want our money back timed XXXX compensated for credit damage and our title to our house cleaned there are many more servicing issues along with this but way to much to include.
This item [COMPASS BK XXXXAUTOMOBILE INSTALLMENT ACCOUNT] is erroneous and fraudulent since I never authorized, co-authorized, nor consented to this particular auto loan in the past. I am requesting that the item be removed to correct the information. I have highlighted the items that necessitate rectification.
After further investigation and disputes with the company via the credit bureau, I have found that the information listed on my credit report for TD Bank is inaccurate according to the FCRA which states that the date of the first delinquency ( DOFD ) is the date a consumer first became 30 days late and no further payments were made on the account from that date forward. At this stage, the DOFD usually leads to a creditor charging-off the delinquent account. My loan account did meet the DOFD requirements ( 30 days late and no further payments ) to be charged-off by TD Bank. I became aware of a missed XXXX payment that I thought was paid in full in XXXX and made the missed payment. 

TD Bank is erroneously reporting this account as charged-off. The report shows the DOFD as XXXX and the date of last payment ( the final payment ) as XXXX. Further, when making this final payment, the representative did not make me aware that this debt would be charged-off, which I also understand was the banks ' responsibility. I am turning to CFPB for assistance with this matter because I have exhausted all avenues with the creditor and CRA 's through phone calls, letters, disputes, etc. 

Thanks. 

XXXX
Received an email from XXXX stating my dispute was ready to be viewed online, upon clicking the link in the email and giving my personal information I received an error message stating my personal information did not match their records. I called XXXX multiple times to never be connected to a live person to get my question answered about my dispute. I have not been able to successfully been able to view my disputed information after it was completed. The email stated the results of the dispute would only be available for 30 days, as of today I only have 21 days to view it. I have been unsuccessful with disputing any further accounts or information on my XXXX file online
I closed this credit card account about 1 1/2 years ago. They keep assessing my account a maintenance fee, do n't send me statements, then I get past due notices from them saying I owe them for the maintenance fee and then months worth of late fees, this time around, {$320.00} and they are leaving derogatory remarks on my credit, which is hurting significantly! 

I have called and spoken with them twice ( the last time I did was with XXXX ), and they had removed the charges from the past times this happened and assured me it would n't happen again. I asked for something in writing, but XXXX said she could not provide me anything in writing. 

I got another notice on XX/XX/XXXX about it saying I owe them {$320.00} ( most of which are for late fees on an account that was paid in full and closed in XX/XX/XXXX, w/out ever sending me a monthly statement ). This is now negatively effecting my credit score!! 

The name of the bank is Commerce Bank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX. 

Again, this is the 3rd time it has happened, the past 2 times I called them and they said they took the charges of the account and said that everything was resolved and the account was closed. Both times I spoke with them, they told me everything was cleared, the account was closed for good, and it would not happen again. 

I do not have access to the full, 16-digit account number anymore ( the card was discarded 2 years ago and I no longer have online access ).
BMO Harris repossessed 6 vehicles. One of them was not even financed by them. I owe month of XX/XX/XXXX and I told them we would pay them in full to be current. They will not hear nothing of it. I estimate I have paid out XXXX if the XXXX XXXX dollar price tag and just like that I loose all I have worked for. This is over a two and a half year period. Dealing with these guys is a rip off. I strongly urge consumers to stay away from BMO Harris for financing needs. I told them I was not going to lose my investment and i would send funds to get us current and then they said they were adding 7000 plus for fees related to repossession. Buyer beware!
The below details a series of issues with Shellpoint Mortgage Servicing, stemming from an incorrect tax payment made by Shellpoint Mortgage on my behalf. A timeline of incidents as follows : XX/XX/XXXX The building we moved in to was completed and Certification of Occupancy was granted by the city of XXXX. 
XX/XX/XXXX - We closed on our condo in that building. 
XX/XX/XXXX - XXXX XXXX transferred our mortgage to Shellpoint Mortgage Servicing XX/XX/XXXX - Shellpoint Mortgage incorrectly paid the XXXX XXXX taxes for the original two parcels that our building stands upon for {$19000.00}. Because the building just received its certification of occupancy in XXXX of XXXX, each unit had not been assigned its own Parcel at that point. There at 34 units in the building. Shellpoint mortgage paid the taxes for all 34 units. 
XX/XX/XXXX - We became aware of the tax issue and informed Shellpoint by telephone. We were informed that a resolution ticket was opened with the Shellpoint Mortgage tax department. 
XX/XX/XXXX through XX/XX/XXXX - I've called roughly 50 different times to get an update on the status of resolution, but nothing has materialized. 
XX/XX/XXXX - We received notice that our monthly payment would be increased by {$2400.00} to pay down our incorrectly applied - $ XXXX escrow balance. We called Shellpoint immediately to inform them of the mistake. We were told that another escalated ticket was opened internally to handle the mistake. We stopped auto payment until the issue was resolved. 
XX/XX/XXXX ( cont. ) - We received notice that Shellpoint will be transferring our loan to XXXX XXXX XXXX XXXX XXXX  effective XX/XX/XXXX. 

Our primary concern is that with the hand off to the new lender, this issue will not be resolved appropriately, especially if the new lender doesnt have the detailed history of this issue and our correspondence. Ive been assured dozens of times over the last year that this issue will be resolved, but it has not. In addition Ive spent dozens of hours on the phone trying to resolve mistakes made by Shellpoint Mortgage.
I responded to an Internet banner ad for a {$300.00} bonus for opening a new Key Bank Checking Account. So, I did so online and deposited {$50.00}. But I did not receive a welcome packet and they closed my account ( Account XXXX ) after 10 days. When I called up, XXXX different departments said I had a ten year-old XXXX hit in the system. But that 's way past the limit for XXXX to be keeping it on a file ( not that it 's even mine ). I believe that Key Bank did not check with XXXX, but used their own histories that has data in it older than 10 years. I do not know where they got this flag from as I have never had an account with this banking company. And they said they would hold the deposit for 90 days.
Hi I jjst got an email from Amex statingWe are writing to let you know that, after careful review of your Membership Rewards account activity, we have removed points from your Membership Rewards program account. Please ensure that any Additional Card members who are authorized to redeem points from your account are notified of this change in your Membership Rewards balance. 

Why We Are Removing Your Points We recently noticed point accrual and redemption activity on your Membership Rewards program account that indicates an effort to obtain and use points in a manner that is not appropriate. Please recall that the Membership Rewards program terms and conditions state that " if you attempt to use or obtain points in a fraudulent way, we may : Take away all points in your program account, Cancel your program account, or Cancel any of your American Express Cards '' Your Options If you have any questions about this letter, or if you believe that the points have been removed in error, please contact us at XXXX ( XXXX ) I had an offer in the mail to sign up for Amex Platinum and get XXXX sgin up points when i got that email and called they said i had that offer before and i don`t qualify for this XXXX 1- I had Amex card before and I NEVER REDEEMED any offers as the card was open for 1 week. 

2- i got the offer MAILED to my house with my name on it with an offer code after I applied, did hard pull on my CR and met min. spending requirement now they say you don`t qualify? 

I would like Amex to honor their advertised offer bearing in mind that i fulfilled their terms and conditions and I NEVER redeemed any bonus offers from them in the past
I have sent repeated letters to XXXX/Rise XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my XXXX Credit Report. I have sent two letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. 


XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX/RISE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
They call and when I answer they do not answer. I mistakenly called them back on my cell phone, now they are doing the same with my csll number. Just continued calls and no one speaks.
Hello, a little over a Week ago I applied for XXXX XXXX and was approved for {$32000.00} credit limit. I was trying to purchase a device for $ XXXXand all went though just. A day later I was checking my order to find out it was declined. I called the bank and was notified everything Was OK on their end and nothing is wrong with my account, and they haven't seen any activity from XXXX. I called XXXX and was advised to cancel the order and re order again. I did has was advised to get the same results again. This been going on for 10 days and was asked to do it over and over again with the sane results and no one is willing to fix the problem. I feel that now, I've used my good credit to apply to a service I can't even use, and in result, it might effect my credit. 

I ask of you to help us fix the problem. I see that it is an on going problem for several months now and lots of people are complaining about the same issue.
was involved in a accident at work and employer agreed to pay medical bills. This is a outstanding bill from that accident.
We have paid our mortgage payment each month in full. Our next payment is supposed to be due on XXXX XXXX, XXXX. 
We had recently did a recast of our loan ( an incentive offered by the Treasury department for always being current with our XXXX XXXX ) I understand that it might take a few days for your system to be updated, however when I logged in to my ditech account .It is stating I am 78 days behind. There are unapplied funds ( my XXXX, XXXX and XXXX payments ) just sitting there and nobody is updating the system to reflect I am current. The system is saying I owe {$4100.00} ( XXXX payments ) and is due XXXX XXXX, XXXX. This is incorrect as I am current on my mortgage and not even one day late. 

I spoke to loss mitigation and they told me to be patient until my recast is updated, but in the meantime I am getting nasty collection calls even though I am not late. I am requesting that these unapplied funds be released immediately to reflect my status as current. I am also trying to make sure that I am not being reported late to the credit bureaus. 

If you look at my payment history you will see I 've made my payments on time every month. I am constantly getting the run around when I call. My account rep does n't return my calls, and because I am in a late status my phone calls go right to her voicemail. I need someone at ditech to manually go into their system and update my status as current and release my unapplied funds.
I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do 10 disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : The date " XXXX/XXXX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : You MUST have the city and the state listed There 's no liability amount listed You must accurately and completely list " bankruptcy '' and you have it abbreviated
Since XXXX XXXX, 2017 I have been in contact with all three major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all three bureaus had a glitch were unauthorized.
Carrington Mortgage Services would not accept our request for an audit inquiry on our mortgage account. We sent them a letter requesting an audit and inquired about why our mortgage principle amount was still high. We had our home for more than 12 years and based on the principle amount we only paid down less than {$5000.00} which is very questionable to us. When we wrote and inquired via Carrington Mortgage Services they returned our letter. We even called many times, documented in many phone calls to the company regarding our inquiry. All we were told is to write a letter and send it to research. When we wrote the letter, spent money and faxed in the letter they returned the letter stating that they will not accept the letter from us. If we 've been paying a mortgage for more than 12 years, that principle amount should be less but somehow all our money is going towards interests and fees in which we did not authorize. Disclosure of information is a problem. We asked several times for customer advocacy to file our formal complaints, customer services representatives would say that there is no customer advocacy, they handle the complaints. When we called back and asked again, other reps would give us the advocacy department email and phone number. Why did previous reps lied to us. We were told when we defaulted not to send in any payments, payments we sent in will be returned to us in the mail. We waited for a month on the returned payment and nothing was returned to us. Another misinformation. Carrington Mortgage Services opened up an account with unapplied funds that we paid to pay our loan. These funds were left in a separate account that we were not aware of. We were told the funds will be applied to the loan so it 's been sitting in the unapplied account funds for very long time but it is for our loan. The purpose of the funds is to pay our loan not to be sitting on the side and not used to pay the loan. This to us is fraudulent practice since Carrington Mortgage Services is holding our money and not apply it to our loan. Misinformation from representatives. Representative would hand up the phone when they ca n't answer our questions. When calls are dropped they do n't have the courtesy to call us back although you spent almost an hour with them on the phone. It is very unprofessional. It creates frustration and angers you as a customer when you had to call back and repeat what was said to the previous representative. Their recording says, " Customer Care '' but caring for customers is not carried out by their business practices which is very unprofessional.
DISCOVER HAD FAILED TO UPDATED MY CREDIT REPORT AFTER I GOT DISCHAGED FROM MY CHAPTER XXXX BANKRUCPTCY ITS STILL UPPDATING AS A NEGATIVE REMARK ON MY CREDIT FILE
I ca n't afford my payments. Navient will not work with me because my consigner makes too much money. My income will is irrelevant. I have asked for hel multiple times and they offer no options.