WillisBack/dataset-financial-user-claim huggingface dataset:
Review of recent credit reporting ( XXXX  Report # XXXX ) indicates Ditech has reported my account delinquent XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 150 days delinquent ), and XX/XX/XXXX ( 180 days delinquent ). However, the loan was on an Active/Performing Unemployment Forbearance Plan. The Unemployment Forbearance was submitted XX/XX/XXXX and approved XX/XX/XXXX effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. Ditech erroneously cancelled the Unemployment Forbearance Plan on XX/XX/XXXX due to the automated process of a Loan Modification Solicitation being mailed. A complaint was filed on XX/XX/XXXX and Ditech remediated the error and obtained approval from the Investor XXXX XXXX for an extension of the existing Unemployment Forbearance. Correspondence was received from Ditech ( XXXX XXXX ) dated XX/XX/XXXX indicating the Unemployment Forbearance Extension was approved effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. The loan was under Error Resolution review XX/XX/XXXX through XX/XX/XXXX. Unemployment Forbearance payments were Paid as Agreed, as stipulated XX/XX/XXXX through XX/XX/XXXX. 
The credit reporting account status should have been reported as Active Forbearance -Paying as Agreed XX/XX/XXXX through XX/XX/XXXX. According to 12 CFR Part 1024.35 ( b ) and ( i ) Regulation X of the Error Resolution Procedures the Mortgage Servicer ( Ditech ), after receipt of a notice of error, a servicer may not, for 60 days, furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the notice of error. Therefore, the loan should not have been reported as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as the loan was under review for the complaint filed XX/XX/XXXX. The loan was also brought current XX/XX/XXXX in the amount of {$7.00}, XXXX and should have been reported as current for XX/XX/XXXX. In addition, the Investors ( XXXX XXXX ) Credit Bureaus Requirements ( C0-4.1 ) also require the Servicer ( Ditech ) to provide a complete and accurate full- file status report for all mortgage loans to each of the four major credit bureaus describing the exact status of each mortgage loan as of the last day of each month ( delinquent mortgage loans including 30, 60, 90+ day delinquencies, forbearances, modifications and liquidated mortgages ). ALL credit reporting bureau information ( XXXX, XXXX, and XXXX ) is required to be updated accordingly.
On XXXX XXXX, XXXX I received a letter from Fifth Third Bank ( 5/3 ) stating ''a merchant security breach that may have compromise your debit card '' a new card is being issued, activate immediately & destroy old card. I activated the new card on/around XXXX XXXX, XXXX & destroyed the old card. I made a purchase WITH the new card on XXXX XXXX. On XXXX XXXX, XXXX I received a text ( & email ) regarding 'suspicious activity ' at XXXX Central Time. I responded & spoke with FRAUD department. XXXX fraudulent transactions are pending. XXXX transaction on XXXX/XXXX/XXXX & XXXX transactions on XXXX/XXXX/XXXX. Through further investigation I have been told that there are XXXX open cards on this account. I have NEVER requested MORE than ONE active card on this account! I requested a replacement card & to block all transactions on the card I believed to be compromised after 'suspicious activity ' ( XXXX XXXX? ) that I had seen on the account & have letterhead from the 5/3 ( came with the card used in the fraud ) stating " For your protection your current card will be deactivated upon activating your new card ''. I have been informed by 5/3 a 'supervisor ', CS XXXX XXXX , & Fraud XXXX ' that I am responsible for deactivating EACH card EVER issued to me. The 5/3 'supervisor ' stated the card 5/3 was notifying me about ( XXXX/XXXX/XXXX ) was a different card than the XXXX that was used for TODAY 'S FRAUD. I do NOT understand how MULTIPLE CARDS can remain ACTIVE when I applied for & have maintained, in good faith & standing XXXX CARD on XXXX debit/checking ACCOUNT! I immediately requested ALL open cards ( save the JUST activated ) be CLOSED. I have been told this has been done by the 'supervisor. ' I believe 5/3 CREATED this BREACH by permitting multiple cards to be active WITHOUT my explicit consent to have MULTIPLE cards ACTIVE on my SOLELY OWNED/PRIVATE account. I was engaged in a TRUST between me & Fifth Third Bank that 5/3 would manage my banking transactions. Having multiple cards ACTIVE without my written consent is a BREACH of my TRUST in their ability to professionally manage my transactions. This has created a HUGE problem for me by tying up funds that I had PLANS to use on XXXX XXXX as it will take UP TO XXXX -7 Business days for the fraud transactions to be assessed. Had ALL other cards been deactivated as the paperwork that came with the card used in the fraud stated ( old card will be deactivated ) - the previous letter of concern would have been unnecessary & the current fraud claims would never have occurred. Those charges would have immediately been declined on a 'dead ' card. This has, additionally, dropped my account BELOW minimum balance requirements which may result in BANK FEES that could be assessed against my account. Thus marring my 'in good standing ' with my account.
Regarding account XXXX and XXXX which was closed without reason, and funds now being held for more than 45 days since account was restricted before closing. No updates and answers have been given me for reasonable cause, which Chase says they can do without reason for an investigation. But I have inquired many many times on what are they investigating. No answers, just evasions and we cant tell you stuff. 
This is now reaching beyond the point of reasonable. Since I know this can only be due to XXXX  XXXX XXXX asking Chase to hold my funds on a deposit that was cleared back on XX/XX/XXXX which I in fact was authorized to make this transaction and my affidavit ATTACHED HERE IN XXXX, CALLED AFFIDAVIT # 4 just faxed to XXXX  XXXX XXXX Digital Fraud Check Claims at XXXX. 
Also if Chase will check their records they will see I had a joint account with my Mother XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX confirming we had a fiduciary relationship and established trust. 
Chase has not lost one cent and I owe them nothing, they are holding {$35000.00} for a unreasonable amount of time for what they call an " investigation '' of nothing they can tell me. There are no legal attachments of leans on my account and I have no debt owed to Chase Bank. After reviewing the facts in this Affidavit # 4 attached, they need to understand that the claim in question from XXXX  XXXX XXXX is a false claim filed by mother mother and that transactions was in fact AUTHORIZED. 
Chase is a third part in this and i do not see what legal authority they have to continue to hold my funds. They are not a party to this claim and this is solely with XXXX  XXXX XXXX, my mother XXXX XXXX and Me, XXXX XXXX XXXX XXXX XXXX  now this morning also has documentary evidence in their possession by mail from me that XXXX XXXX 's claim is false and by her own voice says she gave me permission. Not only that but the banks Limitations of Liability for Online Banking Transactions ( which this was ) has established the fact that I was authorized based on the  evidence and record before them now. 
Chase has NOTHING TO INVESTIGATE, AND what can take 65 weeks so far in such a simple matter as this? This excessive time holding my funds is unreasonable and without credibility.
Mobiloans processes XXXX transactions from my account when only XXXX was authorized. 

When I contacted them to request refund the supervisor said she would have to review call and call me back. I said I would hold. She refused saying she has calls before me, despite being on the phone with me for 15 min. I told her I was contacting the CFPB to file a complaint. THEN she said " then I wo n't be able to contact you back if you are going to escalate it to anyone '' and hung up on me!!
I noticed a dismisses bankruptcy XXXX on my credit report that I did not file for via my subscription to Experian app. I submitted my first dispute to Experian on XX/XX/2018 ; on XX/XX/2018, I received notification that they alleged bankruptcy was verified. On XX/XX/2018, I submitted the second dispute and on XX/XX/2018, I recieved notification that it was verified. I recently disputed on XX/XX/2018 and on XX/XX/2018 again verified. I reached out to the bankruptcy court here and I was informed that they do not verify any information with credit bureaus or third party vendors. They also informed me that the PACER does not have access to full social security numbers. So, I know that they use several third party vendors. How is this information verified? Who verified this information? Who can testify to the accuracy of this information? Is it possible that the PACER   employee entered in information incorrectly. This is frustrating. My name is rather common. I know a few people with my exact name.
When I received the invoice from the XXXX I aske for a copy of the contract. They never forwarded it to me. I then started getting calls from a collection agancy calle Voss & Klein. The calls were relentless. I asked The collection agency XXXX to provide a copy of a signed contract and signature of with dates of approval of service by myself. The lady said if I don't pay she will continue to call me until I pay or wreck my credit. They have filed a collection on my credit report. She also state she did not have to provide me anything as I owe the debt.
The Home Depot offers consumer credit cards which are serviced through Citibank. 
They periodically offer extended payment terms with no interest charges if paid within XXXX, XXXX, XXXX, or XXXX months depending on the amount of the purchase. The extended terms purchases accrue interest at 25.99 % which is only charged if you fail to pay the balance in full before the extended term expires. 
The problem is the way that they apply payments that are made on the account. The online payment system does not allow the customer to direct which balance that you want your payment to reduce. 
In general, the typical account will have balances from : 1 ) current month purchases ( which have not appeared on a monthly statement ), 2 ) prior period purchases ( which must be paid in full by the payment due date to avoid interest charges ), 3 ) one or more extended terms balances ( which must be paid in full by a specified date to avoid the deferred interest charge ). 
The Citibank system will automatically apply a payment to current month purchases before applying anything to the extended terms purchase balances. Obviously, they try to make sure that you do not get the extended terms purchase paid in full before the expiration so that they can collect the accumulated deferred interest charges. 
As a result, I have stopped making any new purchases on my Home Depot credit card which forces Citibank to apply my payment to the extended terms purchases. However, they are still applying the payment to the extended term purchase with smallest amount of accumulated deferred interest charges hoping that I will fail to get the larger balance paid in full before expiration.
My complaint is related to the XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Hawaii XXXX, Ph # XXXX, collecting on behalf of XXXX XXXX who is collecting on behalf of XXXX XXXX. While they never quite provided the written proof of the debt which I believe was my husbands, I conceded and paid them after attending multiple court dates on the matter. It should be noted that they have tried this on multiple occasions and after I attended multiple court dates they dropped it because they could not prove the debt as I requested. Basically they have a history of wasting peoples times going to court and then end up unable to prove there is a valid debt. 
All that aside, my complaint here is related to the practice of collecting on a debt they have already been paid on. Civil Case Number XXXX for XXXX XXXX was paid in fill with a final payment of {$130.00} brining the total paid to the full debt of {$680.00}. They sent confirmation of the case dismissed in a letter dated XX/XX/18. They then sent a letter dated XX/XX/18 asking for the same amount of money and indicated they have filed a lawsuit again. This is clear harassment and unethical practices to be paid twice on the same debt. They continued to send letters throughout the duration of the time I was attending court and paying them. Their letters never reflected payments and they continued in efforts to collect the fill amount even after accepting payments. All payments were made by check and I have copies of all returned checks. However again they confirm in the dismissal letter of XX/XX/18 that the debt is paid in full.
On XXXX/XXXX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XXXX/XXXX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called Experian, XXXX and XXXX. I was told by Experian that they verified the account and I can continue to dispute the same issue. Experian also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked XXXX XXXX XXXX for a copy of my contract and to no avail did I get anything from XXXX XXXX or Experian which stated to me that they do n't have to verify anything with me what Experian told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with XXXX different amounts on it they said it would be nothing that they can do.
Ocwen has not ceased my PMI and my LTV is at 65 %. I have approached them thru email and they continue to send letters in the mail that state I need an appraisal. I understand the law is at 78 % LTV PMI is automatically to cease. 

My last email states this and I have no choice but to gain protection.
On  XXXX   XXXX ,   XXXX  , Guild Mortgage Company was the lender for my loan. At closing the sellers where charged {$1700.00} for Colorado property taxes for the year   XXXX  . The sellers by mistake received a notice to pay   XXXX   taxes, did so. 3 Months late r Guild  Mortgage sold my loan to  XXXX  Bank. The amount in my Escrow with Guild was {$1000.00} what  XXXX  bank received was {$710.00}. I have letters from  Guild  Mortgage and  XXXX  stating that taxes were paid by a unknown source. I have requested from Guild for the amount of {$1700.00} to be transferred to my escrow or account that dollar amount.   In the mean time the sellers have taken me to small claims for the amount of {$1800.00} for damages and there taxes to be returned, Which now I have to pay the plaintiffs. I have request Guild Mortgage Company on many occasions to show proof of where they have used my escrow monies and still they ca n't answer me. On  XXXX   XXXX  with the help of a  XXXX   XXXX  on a  XXXX  way call they still were unable to account to  XXXX  why my Escrow was short at the time they sold it to them. I want them to return the monies that I was charged at the time I purchased my home and I want the sellers to receive the monies due them,
Well the only place that would loan me money because of my credit is Wilshire Consumer Credit. I borrowed against my truck and still owe more than I borrowed and they are charginh me 59 % interest rate and the XXXX told me to contact you. My account number is XXXX Contract Details Amount Financed {$3300.00} Maturity Date XXXX/XXXX/2017 Original Term XXXX Annual Percentage Rate 59.00 % Monthly Payment Amount {$240.00}
THERE ARE  XXXX  ACCOUNTS THAT ARE NOT REPORTING CORRECTLY AND EXPERIAN WILL NOT ALLOW ME TO DISPUTE THEM
There is an unverified account reporting on my credit reports with XXXX, Equifax, and XXXX. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, Equifax, and XXXX to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all XXXX Credit Bureaus.
Pinnacle Credit Services XXXX XXXX XXXX XXXX MN XXXX Phone XXXX is a 3rd party collection agency. I have been working with a company called XXXX XXXX. We have been trying to get Pinnacle to provide more than name of there original creditor. They provide no proof in the form of original forms, contracts dates, signatures. XXXX XXXX tried for several years and now I have sent certified mail requesting the same with no reply at all. I want them to prove with all the above I owe said debt
Navient reps told me there was no way to lower my payment multiple times on the phone. I was told another time when I inquired if they could be lowered because I now had a XXXX dependent nephew living with me full time and relying on me 100 percent for support that adjusting the number in my household would make my payment go UP. I was told I could take forbearance which I have had to several times due to my new dependent and the strain it caused on my finances. I was not informed until recently many of the payments I had made were not going towards time on IBR plan.
On XX/XX/2017 I went online to an Experian website that advertised {$4.00} to check my credit score in which I paid for with my debit card. un be knowing to me a month later Experian started fraudulently taking {$24.00} a month from my banking account and there after. I immediately tried to call Experian to report the fraud but was just put on hold for hours on end!!! Experian have been charging my account {$24.00} a month for a membership that I never consented to I see they have different web sites to check your credit, some mention about a membership some don't. The one I applied to check my credit score didn't. I even printed out the website like the one I visited that mentioned nothing about a membership. How sad Experian feels the need to abuse their customers!
American Express ( AMEX ) offered me a credit card Promotion and they accepted my application under the guise of that promotion. I then charged the required amount, within the specified period of time, and then immediately paid off the amount charged less the statement credit promised under the promotion of {$150.00}. AMEX never followed through with crediting the account the {$150.00} and after my following up with them several times the end result was they told me I was disqualified from the promotion and they ultimately turned the account over to collections. I have fully documented all the phone calls with AMEX and the collection company. I have attached a copy of the final letter that I sent AMEX which summarizes my dispute and my efforts to bring this situation to a close. The outstanding balance owed on this credit card began with the {$150.00} promotion credit that they refused to give me and now includes the exorbitant late charges and interest that they are applying to that {$150.00}. The American Express corporation may be a huge company but they should not be allowed to " strong arm '' the consumer!
I never received any communication, documentation from AWA in attempts to collect a debt from XXXX 2011 and have been trying to contact this company to ask about the debt but my calls have not been returned.
I find it hard to believe that an FDIC Bank like CHASE Bank will not take US Currency, yes good ole cash from people depositing into one of there account holders account. I was told I had to have an account at Chase Bank to deposit cash into someone else account at Chase Bank. ie, my Landlords rent payment. How is it possible that a Financial institution does not accept CASH. As well they have a {$6.00} check cashing fee, and do not have any of these policies posted in the lobby so after waiting in line you are turned away. THIS IS ABSURD.
To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
1. Account opened in XX/XX/XXXX however no payment history from XX/XX/XXXX-XX/XX/XXXX 
2. Account sates no last payment. Account states first delinquency in XX/XX/XXXX. However, payment shows payment received in XX/XX/XXXX. No account history from XX/XX/XXXX current. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
I think I may be a victim of predatory lending when it comes to the terms and conditions of the private loan I had originally taken out with Sallie Mae, now Navient in 2007. The interest rate is insane and the amount that is taken out of my account automatically each month can change without notice or approval. I have been repaying this loan for over 10 years and still have 3 years of projected repayment for a loan that was under 10,000. I called Navient to try to talk about options and concerns with a representative who told me I had zero options because it is a private loan and the conditions were decided by the lender ; and could offer no aid or suggestions. The school I attended for which I took the private loan out is not even in business any longer and appears to have had many other complaints on legitimacy as well.
On XXXX XXXX, 2015, I set up a direct debit with PHH Mortgage to have my monthly mortgage be paid on the XXXX of the month, every month. I attached a copy of the confirmation email i received. I also attached copies of how my mortgage is showing in their system ... that is is set up for direct debit. 
I found out that because I am in Chapter XXXX bankruptcy, the payments were not debited from my account. I was not aware of this. I first realized when I received a letter from my bankruptcy lawyer stating that they ( PHH ) are pursuing a consent order to have my home removed from bankruptcy protection. I contacted PHH immediately and explained the situation. The agent could see where I did set up direct debit but explained that they did not go through because of my bankruptcy. They would not allow me to make up the 'missed ' payments but directed me to their lawyer, who has not returned any of my phone calls. I do not want to lose my home and I do n't understand why they will not accept my payments and allow me to bring my mortgage current.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
I received a notice a collection agency added a debt to my credit report. I contacted the agency and the doctor 's office about the bill I had no knowledge of it. I thought my insurance paid all of this bill. When I contacted them I offered to pay if they removed from my credit report. They said they will not remove the debt from my credit report. I was not aware of this bill. Then they told me about other debt they have which I was not aware of either. I told them I was not aware of the debt and would pay if they remove the debt. The bill they put on my report is for {$100.00}. I don't know the date of this bill but it was added to my credit report on XX/XX/2018.