WillisBack/dataset-financial-user-claim huggingface dataset:
in XXXX we feel behind by 2 months on our mortgage, and we offered to pay extra each week to catch it up over 3 months, Ocwen refused to allow us to do that, they said we had to pay the full 2 months at once or we could n't pay it. Now they are withholding {$400.00} of our escrow payments which was to cover our flood insurance, which for an unknown reason FEMA decided we are no longer in a flood plain, so they are refused to pay it. They keep lying and tell us they tried to call, we have caller ID and not 1 call came in, they continuously harass us if our payment is n't in by XXXX, even though I have called and said it would be paid by x date. They try to tell me yesterday ( XXXX ) that I was not authorized to discuss our loan, but I hung up and called back and was told that I am, this has happened on numerous occasions over the last few years. These are the ones that are fresh in my mind, but they never listen, always rude and never want to work with you if you do have an issue. They just want to undermine you so they can work to repose your home.
My payments are not being recorded even though I sent them direct proof that the payments were made, directly from the creditor 's accounting dept. The credit bureau claims, in a letter they sent me, they do not change or add to my credit report file no matter what. 
I was told different by your organization.I did all you told me to do and it made no effect at all.
I called to report a card lost. The agent closed my account instead, without my authorization. In the time since, I have received multiple mixed messages. I was told that my account was close due to fail to reissue, that my account was closed because I closed it, and that my account was n't closed and I would get a new card i  n 48 hours.
I just got off the phone with a diferent manager and was told that the ban    XXXX   decided to close my card effective  XXXX  and that would not be reissued a new card.     I have been a customer with Citibank since   XXXX  . The multiple mixed messages, poor communication skills of the customer service representatives, and the arbitrary nature of detemining whether to reissue a card is unacceptable.
I had applied for refinancing my apartment loan with Capital One Bank. 
After I went through the entire process, provided all documentation ( tax return of 2 years, COOP share certificate, 8 years Government Civil Service employee and salary proof ) requested by them, paid the fees {$250.00} for appraisal, {$200.00} for their COOP board evaluation, after a month and a half with back and forward, they sent me an email indicating that I had been denied because the COOP insurance does not cover three months of maintenance which is required by XXXX, and no bank would refinance it. 
They indicate that if the COOP would pay a little more of insurance, than they would approve. 
They also told me that I will not find another financial Institution that would refinance it. 
I went to my COOP board and they indicated that they never heard anything like this before. They indicated that many people already had refinanced recently at our COOP with no problems. 
I do not think this is right and apparently there is nothing that I can do about it. 
I had spent my money ( no refund ), my time, my truth with the best intentions of making my American dream to become true in 15 years, instead of 30 and in one line of an E-mail, it had been taken from me with no reasonable explanation
I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX  4.XXXX  XXXX 5.XXXX XXXX   XXXX 6.XXXX  XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX  XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX   13.XXXX XXXX XXXX 14.XXXX I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Paid off a mortgage debt via settlement as paid in full. Another debt collector is trying to collect on that same debt.
In the past I have notified Transunion and  XXXX  that I have never attended college in  XXXX , Wa and I would like the student loans that are from  XXXX   XXXX  removed from my credit report that are listed.     I also would like the loan consolidation acknowledged on my current credit report as loans paid off, not going under another name.     Thank you.    XXXX   XXXX
I am receiving calls multiple times a day saying I owe a debt from years ago involving a payday loan. I have asked for written debt verification either by mail or by email. Neither which I have received. Then this fraudulent debt shows up on my credit report which made my score drop dramatically. The threatening phone calls state that I will receiving a wage garnishment and that they are just waiting on work verification. They also stated that a warrant for arrest will be sent to my home. I would like this debt to be marked for dispute and fraudulent immediately. Also I would like the collection calls to myself and former friends and family members to cease immediately
This company is supposedly collecting on an auto loan which was paid. The company they are collecting for is in the name of Sharon Holding Corp. which I have no idea who this is. They and the attorney have harrassed me in so many ways. They have threatened to garnish my wages, have me arrested and levied upon my bank account before a set court date. They will not supply any paperwork to me regarding this debt after many attempts to have them submitted to me.
My husband and I entered a lease agreement renewed XX/XX/XXXX. It was written for 13 months period. I was informed it is against the law to have it drawn up the way it was, after signing moving into another apartment under different management. The problems associated with the balance was at move in. There were problems with the uneven floor boards, the buoyancy of the flooring was unstable and there was a transferred water bill that the company did not want to resolve. It was attached to the water bill for XXXX. I have disputed it with the company via certified letters. I also went to speak with then manager ( XX/XX/XXXX ) but there was not one on the property. As of today, it was moved into an installment status until XX/XX/XXXX.
I leased with XXXX on XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and provided them a 60 day notice to vacate due to inhabitable conditions. The XXXX XXXX forwarded a balance to US Collections West ( an Agency ) and US Collections West did not forward any letters or make an attempt to contact me regarding this debt. I was not given my opportunity to dispute nor was I aware of any balance owed. I noticed on the court documents that they had an address that I am not familiar with or have ever lived nor do I know of anyone living there. My mail was forwarded from my old residence to my new and I provided the management company with the new residence. I have also made multiple attempts to contact their attorney through my attorney and they have terminated the calls, very unprofessional! Many of the charges are not valid therefor a portion would have been disputed. I noticed that US Collections West has many violations regarding this issue and many others and their tactics are illegal and immoral. Please help me, I am stressed and sick to my stomach regarding their tactics and business practices. I am employed at the same place since my rental application and not hard to find at all by anyone. They have also placed this information on my credit report without giving me the opportunity to dispute the original creditor balance which violates my rights as a consumer to fair treatment. Please help resolve this issue. Their attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX and US Collections West is XXXX XXXX XXXX XXXX, Az XXXX XXXX
I divorced in XX/XX/XXXX and it quickly became very difficult to meet the minimum payments on my student loans through Navient while trying to afford very basic living expenses on my sole salary. I contacted Navient numerous times and I was told every time that there was nothing that I could do. The last phone call that I had I was told that my only option was to get a loan through someone else to pay off Navient or to borrow money in the amount of {$10000.00} to pay them off. I am not sure who is able to do that but I found it to be two very inconceivable options.
This collection agency  I. Q Data International is att empting to collect an alleged debt that I do not owe to them. They have also reported it to all three credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agreed to pay any debt t o I.Q. Data International. The y also have not provided any information showing where I have agreed to pay them for the alleged debt. Furthermore they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the Secretary of State according to Sectio n 392.101 of the Texas Finance Code.
I did a refinance on my home for a debt consolidation. Within my debts that were paid ; Credit Acceptance was paid {$3100.00} with Check # XXXX dated XX/XX/2017. 
We had requested a payoff 3 times due to our closing date being pushed back. We obtained one for XXXX, then XXXX and finally the last one on XX/XX/XXXX17 for the {$3100.00} payoff. 
The intention of this payment was to payoff this loan. Since it was late and was short, the intention is that this payment should have been applied as a principal reduction, NOT payments. 

Thank you.
I have tried on numerous occasions to get an account that was charged off in 1994 removed from my report and Equifax refuses to remove it. XXXX has, XXXX has. 
The original account with XXXX was from 1994 and it has been sold, and resold to collection agencies over 22 years. Equifax is using the date of the last " sell '' to a collection agency as the date I originated the loan with XXXX. After several online attempts as well as phone calls directly to Equifax they will NOT remove it. It is with XXXX XXXX who is already being against in a Class Action Law suit for harassing folks via their cell phones to try to get money. I am at my wits end yet nothing changes and they just say " it will remain on your credit until the last collection agency has had it 7 Yrs!!
On XX/XX/2017 i checked my credit report only to find an account in collection, i had no knowledge of this debt and proceeded to buy a XXXX bureau credit report ( {$50.00} value ) to be able to find out who to contact about this debt. The company Rent Recover reported to XXXX and XXXX that i had an unpaid debt of {$140.00} to an apartment complex called XXXX XXXX from which we rented an apartment for a year and a half, the lease ended with no problems and we gave the management our new address were they could reach us. When the lease application was submitted we included all our XXXX cell phone numbers and email addresses, I even have several emails from the management communicating with us, which leads me to my question of why they send that debt to collections ruining our credit ( my credit score dropped about XXXX points ) without even contacting us, I asked the management why they id not contact us to notify us about this issue and their answer was that they are to busy to be calling customers. This is totally unacceptable, i believe that reasonable attempts to contact the debtor should be made before ruining someones credit score. 
Note that the debt was paid in full that same day to the collector.
XXXX XXXX XXXX credited my account for a return and Amex Serve refused to release funds
I have an unverified account from CAINE & WEBER COMPANY, INC. I had previously disputed this account. I have never done business with CAINE & WEBER COMPANY, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAINE & WEBER COMPANY, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAINE & WEBER COMPANY, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
During the summer time after I completed my XXXX degree and was transferring to another university. Navient did not allow me the courtesy of the 6 month period to start repaying on my loans. Instead they charged me interest for the three months before I started at the university. These fees and excess interest was never refunded to me. Instead I was told that I needed to make the payments anyway and that the payments that I had already made can't be reversed but the interest that was being charged they would drop after I had already made payments frantically. As of this moment I am unaware of the total dollar value of these transactions.
This debt was already reported and included in a XXXX (? ) lawsuit by this company when it was using a different name. The debt was various medical bills and was put on my credit report in XXXX XXXX (? ) As such they are reporting the debt twice.
XXXX under transunion has stated I owe money to " XXXX '' for a total of XXXX, that is not the name of my health provider, and I have insurance that covers my entire doctor visits and prescriptions, and all the company info that has been posted in my credit report is n't correct at all
3rd Request for Resolution : Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - Bofa never listed that we had " missed a Payment until mid XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the third time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.
In XXXX of 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!
I have a bank of America secured visa card where I have deposited {$5000.00} to obtained the visa card with {$5000.00} line of credit to improve my credit score. That card is being used occasionally and I pay it in full every time I use it. As far as I knew there was no yearly fees in the card since I have multiple bank accounts with bank of America. 

I worked really hard on my financial situation for 5 long years to improve my credit score to XXXX since I was trying to get a mortgage loan. Without my knowledge and without any correspondence bank of America imposed $ XXXX yearly fees on the secured visa card. Since my balance was XXXX I was not getting any statements from bank of America. As I submitted my loan application for mortgage and checked my credit score I see bank of America reported to credit bureau my account is delinquent for 60 days for {$39.00} dollars and my credit score dropped to XXXX I spoke to bank of America and they are non cooperative, so I paid that {$39.00} dollars and the account still showing 30 days delinquent. I have a XXXX balance on the card and it 's hurting my hard earned credit score. I should not be responsible for fees on a XXXX balance secured visa card which was imposed without my knowledge and without any sorts of communication. Please tell bank of America to undo the credit bureau reporting to reflect my original XXXX credit score and I will happily close the secured visa card account. Thanks for looking after innocent victims and consumers.
I'm sure I am not the only one affected by this, but Coinbase ( virtual currency exchange ) had a glitch that incorrectly reflected the price of bitcoin cash XX/XX/2017. After my market order had been executed for {$5000.00} per coin, the company froze trading and the next day the price had been corrected to the normal price. The company says it is investigating insider trading but has made no effort to fix this with customers. 

I placed a ticket the day after and have spoken to support multiple times. They say they are overwhelmed with tickets and have assigned a specialist to review my case. A few days ago I found out my case had been closed with no resolution. 

I believe a severe case of market manipulation and should be investigated. I would like the money that I lost from this exchange refunded.
It appears that the payments I 've been making over the past two years have no been fully applied to my account. On my tax information it also appears that the interest I 've been paying has been miscalculated as well.
On XX/XX/XXXX two ATM withdrawals took place in another state in the amount of {$200.00} and {$160.00}. My card was in my possession. I was also charged six ATM withdrawal fees in the amount of {$2.00}. Two of them were declined fees. I called the XXXX on the back of my ATM/XXXX  card on XX/XX/XXXX at XXXX in the XXXX. My card was cancelled and I was credited the ATM withdrawal fees. I was given steps by the customer service agent to write a dispute letter with my personal information, debit/XXXX  number with the two transactions in questions and fax at ( XXXX ) XXXX. Once they receive the fax someone from the fraud department will call me, and they will also credit the unauthorized funds. I was also given the intructions to call periodically. Since then I have submitted 2nd dispute letter. I have a called every single day, multiple times with no resolution or concerned. Today XX/XX/XXXX I called twice and the first call the customer service agent hung up and the 2nd agent could n't hear me and disconnected the call. XXXX XXXX/XXXX XXXX XXXX is who I have had an account for the past six hears. Please advise. Thank you.
i was responsible to pay my co-pay for a medical visit i had, i waited to receive the mail, i have had issues receiving my mail at times i expressed that, one day i got a bill saying that owed this large balance an i I 'm confused because i know i do n't owe it i have benefits that job covers majority, it says its because i did not pay the co pay but i never received that mail
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington, DC XXXX RE : Not Reporting Revolving Credit Card Accounts As of the date, I am challenging the inaccurate of my Mastercard CC with Capitol One and its inaccuracy reporting. Its not showing that I have an open credit card account for over 2 years, and as a result its lowering my credit score with no revolving credit, and added my credit card wasnt being reported to all 3 credit agencies as well. Furthermore, I would like the corrective action - the first step is for my credit card account to now show as on time payments from 2 years ago and alongside to reporting positive financial records to all my credit reports as well. Thank you for investing your time in me. 

Sincerely,
I have several loans with Navient from XXXX XXXX. When XXXX XXXX closed I contacted Navient to resolve the issues with XXXX fraud. I have filed a borrowers defense application with Navient and they have continued to charge off my loans, report to my credit reports etc. They have not taken the time to even review the application after faxing and emailing it. As it stands now they have damaged my credit report beyond repair.
Our home went into foreclosure in  XXXX  after the economic crash in  XXXX . We Had an  80/20  loan orignally with  XXXX   XXXX  Mortgage. Which then had  XXXX   XXXX  Mortgage  XXXX   XXXX  till we went into foreclosure in  XXXX .  XXXX   XXXX  mortgage then changed to  XXXX   XXXX  in  XXXX   XXXX  according to information provided from internet. On our credit report it demonstrated that  XXXX   XXXX  charged off both loans (  XXXX , and  XXXX  ) with last report date of  XXXX , and stated last activity in  XXXX . We then started receiving information from Real Time Resolutions attempting to collect a debt that has been already charged off and closed. They have been inaccureatley reporting to credit berueas and state that the account was opened  XXXX  and is currently still reporting with last report date of  XXXX . But it does not show any last activity date. This is inaccurate information, and we are demanding that this be removed from our credit reports. They have enabled us from moving forward into being able to become  2nd time home buyers. There is also a recent class act lawsuit against Real Time Resolutions.
This on responds of a previous complaint to credit reporting agencies, who has refused to block information place on my credit file, I have filed an FTC complaint, and i'm sending my ID, SS, and a utility bill probing my identity and ones more requesting the block of items that do not belong to me. 
I hope these are sufficient proof to place a block, let me know if you need anything else. 

Thank you.