WillisBack/dataset-financial-user-claim huggingface dataset:
Fedloan is reporting past due on my loans for XX/XX/XXXX - 90 past due, XX/XX/XXXX - 90 past due, XXXX and XX/XX/XXXX 120 and 150 past due. 
I have disputed this incorrect reporting with them and they have not done anything to correct these incorrect reporting. I was granted a forbearance for all those months.
Over the past few months Macy 's credit reportedly made several updates to their mobile application. In XXXX 2015 I submitted my monthly payment through the mobile app, however the app did n't process the payment and my account was put into past due status and I was charged a finance charge and late fee. I called into Macy 's credit card services and spoke with a representative and my account status was changed to correctly show that I was in good standing and the finance charges and late fees were credited to my account. I was assured that the mobile updates were working and I would n't have any issues with payments in the future. In XXXX 2015 I again submitted my payment through the Macy 's mobile app. On XXXX/XXXX/15 I attempted to make a purchase inside a Macy 's store and my card was declined with a past due status. I spoke with a Macy 's credit services supervisor and she noted on my account that this is the second time my payment was not processed when using the app, and she credited my account the late fee and finance charges. Not only was this embarrassing, but I am concerned that Macy 's credit is reporting past due status on my credit report when the fault is with their application.
I lost my job so my mortgage was transferred to Bayview Loan Servicing. I was working on getting back on track with a three-month trial plan that would avoid foreclosure and allow a modification. 
I made my first payment XX/XX/XXXX. When I called to make my second payment XX/XX/XXXX, I was told that I'd never made the first. It came out of my bank, so I had my bank look to see where it went, and it showed that Bayview put it in the wrong account. ( attached ) I also found out that because I'd " missed '' that payment, they had sent my mortgage to foreclosure. 
At that time, I called several times to get it fixed. An escalation " expert '' told me the only way to get anything to her was fax ( no email, which I later found was untrue. I could have emailed ). I purchased an online fax app to be able to get them what they needed. Still nothing. 
I did call their attorney to find that, at least, the foreclosure was frozen and nothing had moved on it. 
Finally, after nearly a month of calls they fixed it. 
Still there were issues on amounts. They supposedly now have paperwork backdating the first payment. 
I have since completed the three required payments, but the modification would have added 12 years to my mortgage, so I said I would rather just pay the back amount owed in increments. It's listed as about {$7000.00} but that's an issue as well. 
In that is about {$1800.00} or more in legal fees they paid to start the foreclosure process. A process that only happened because of their mistake. There is paperwork in their computer, I was told, that shows they backdated my " found '' payment to XX/XX/XXXX and that the foreclosure proceedings began XX/XX/XXXX. The woman I was working with agreed that this should be looked at. Two weeks later, still nothing. And now my mortgage is due again but when I called yesterday to check in and pay at least this month, I was told I need to do it through the person assigned to me. She failed to call on the appointment they gave me with her. 
And, I have a letter from the company saying that, since I didn't take the modification, I can either sell my house, have a pre-foreclosure sale or give them the deed to my property. 
Really? Because those aren't my only options. But from what I've seen in my brief online research, this company is good at forcing people into foreclosure and taking their property. 
So, I need this looked into. Not just for me but for the other people they may be doing this to.
I tried repeatedly to contact the collection agency about this debt. They never would call me back or work with me to settle or figure out if this debt is legitimate. The name of the collection agency is XXXX XXXX   XXXX. The original creditor is listed as XXXX XXXX. The debt was supposedly opened on XX/XX/2014. The balance is {$310.00}, I have no knowledge of this supposed debt, and question whether this is a legitimate debt, and company, being as they didn't want to resolve the issue when contacted nor have any contact back with me as stated on the phone. My personal information was taken but company made no effort or attempt to resolve the issues of the unknown debts, that were reporting on my credit report.
I had paid off my credit card in XXXX of 2016. 
In XX/XX/2016 someone broke into my truck and stole checks and Wrote 3 checks against my account. 
There was no money in the account. 
The checks totaled approx {$8000.00}. 
That approx amount then went back on the credit card due to insufficient Funds in the checking account. 
Copy 's of the police report and all requested paperwork was completed ON TIME.

4 additional copies of police reports were filed because they kept misplacing them. Additional paperwork was also filled out.

USBank has harassed me incessantly saying I owe money for paid off Charges. ALL CHARGES WERE PAID OFF!!!!!
Fifth Third did not apply the funds properly to my house payments and {$5400.00} came up missing on XX/XX/XXXX i applied for the save the dream hardest hit funds to save my house and was accepted. XX/XX/XXXX save the dream payed a lump sum payment to fifth third bank then monthly payments till XX/XX/XXXX this i was told would pay me up to date with fifth third bank. that was not true fifth third bank did not pay all my escrow from all the money they received from save the dream funds and now fifth third bank tells me i have to pay for the missing Money of {$5400.00} lump sum or my house payment will increase {$630.00} for 12 months over top my regular house payments of {$1000.00} always included escrow increase to {$1600.00} for 12 months fifth third bank also told me 30 day before i had to start paying my house payments again i could apply for a loan modification to help me stay in my home once again not true XXXX XXXX office from fifth third bank called me wanting me to back out of the modification i told them no i was told that my house payment was going up {$630.00} more a month and he could not explain were the {$5400.00} disappeared at fifth third bank and sense they raised my payment from {$1000.00} to {$1600.00} i was told that he appreciated the over {$30000.00} that was paid to keep my home i was told if i could not afford the {$630.00} increase to get out of the home wanted to throw my family out on to the street XXXX scamming poor people and the state of Ohio by getting large sums of money pocketing some of the money then raising there house payment much higher and then throwing them out of there home with little or no intent to keep people in there homes. ( even though XXXX got there last pay XX/XX/XXXX my math i am paid up till XX/XX/XXXX?????
I received a credit alert from XXXX stating that there were changes on my credit file. Upon logging in, I noticed a 47 point drop in my credit score that resulted from Midwest Recovery Systems claiming that I owe {$510.00} from 2012 on an account with XXXX XXXX. I have never done any business with this company so I decided to look further into this Midwest Recovery Systems reputation to find out that Im not the only one targeted by them. This company searches the records of people with good credit and puts accounts on their credit file ; hoping that theyll pay. I am now in the process of disputing this bogus information and will seek counsel if this isnt fixed. These people are real criminals and should be treated as such!
The following accounts appear as a fraud on my credit report XXXX XXXX {$4000.00} XXXX  {$1700.00} XXXX XXXX   {$440.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2900.00}
On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XX/XX/XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX/XXXX   2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXXXXX 7.  XXXX XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.
This is a complaint from XXXX XXXX against Client Services for Client Services 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, Consumer, XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016 Creditor responded with old billing statements, but no chain of title or other documentation proving legal authority. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
The company " Equitable Acceptance Corporation ( EAC ) '' associated with " XXXX XXXX '' is believed to be operating a fraudulent company in which has obtained sensitive information from me as well as my child. Upon discussing loan details with them, it was mentioned that they would have forgiven my loans after 3 years of paying {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. I am aware that Loan Consolidation can be done by myself without further payments so it would not make since for me to pay them for simply applying paperwork. The information on the contract is incorrect and the information in which the XXXX XXXX for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon my son contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. Also, when viewing their webpage, their " Privacy Policy '' will not display as if they do not have one. This was a Red Flag to me. This company consciously obtained my information to commit fraudulent acts and have now attacked my credit history with an account that was opened on false pretenses. The account in which they ran against my credit is not addressed as a loan, it is addressed as a credit card. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. It has gone as far as the company falsifying information on the contract. In attempts to call and cancel with the student advisor of EAC, no one ever answers. However, when receiving calls from them, they harass you. I am a mother who helped my son through college, with another child still to complete college. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.
I have ( XXXX ) citi cards, XXXX visa and XXXX mastercard. This pertains to my citi visa card. Earlier in the year, I did a balance transfer in order to pay the balance without APR. Since then, I charged additional dollars on my citi vsa card during a certain 2 months. I always pay my cards on time and alot more than the minimum balance due. Since XXXX I have {$4700.00} toward this card. They have lowered my limit twice this due to " credit report review. '' They have not disclosed specifically about what caused the limit to decrease. Once I called and they told me due to another delinquent payment on another card. This is untrue because I have not had any delinquent payments to another card. I pay all cards on a regular scheduled basis. They said they sent me a notice but the email notice only includes the notification of the decrease limit. These actions are contributing to a lower score because it seems as if I am more maxed out than I would be if the limit stayed the same as it was in the beginning of the year. I asked the representative today where does it show that they are allowed to lower my limit. She said in my terms and conditions. I could not find the statement that shows this information. Then she mentioned it does disclose my APR could change. However, a change in APR is completely different than changing my credit limit. I wanted to to understand why they were doing this. Asked for a supervisor. Their response, " There is nothing we can do for you but have you reapply for a limit increase.It is too late to do anything from the credit decrease in XXXX. '' XXXX, I think I remember doing this already earlier in the year and still were not able to give me any more information. I am on a vigorous financial plan to payoff the credit cards, $ XXXX per month and have been for 7 months. I do n't charge more to the cards with the exception of one because there is no APR on it and they are business expenses. I do not live off the cards and have enough income and managing everything appropriately. They have failed to provide sufficient information as to why they are taking this action which adversely affects my credit score while I am trying to retain my credit score.
On XX/XX/18, on my XXXX report a company called " XXXX XXXX XXXX '' placed a collections account that does not belong to me for {$660.00}. 

I tried calling them but there has been no response by phone. Instead of sending them a letter to dispute I'd like to complain about this company because I don't owe any business {$660.00}. 

Also, there is no account number listed.
I received a letter from a XXXX XXXX XXXX Chase Bank Executive Office located in XXXX, IL XXXX, which did not address the major problem that Chase Bank is causing consumers ( clients ) and " ripping off '' people of possible XXXX dollars every day! 
The practice I 'm talking about is that many people are living pay check to pay check and depend on the online email service that we prescribe to. I have read their policies, but nowhere does it say that they can deduct the checks in the early morning hours of the day -- way after XXXX Many of us rely on checking the online deductions and I 'm not so much worried about my {$34.00} XXXX twice = {$68.00} XXXX penalty fee for NSF, but this practice is totally unfair to many people! I usually check my online banking 4 to 5 times per day and the last one is around XXXX I see that my accounts are all right and I plan to deposit monies first thing the next morning ( XXXX ) when I expect the check to be " cashed '' ( withdrawn ) from my account the next day. This was especially dastardly when they withdrew monies for a check from my account on Saturday morning. I suggested that they have a " closing time withdrawals, and do NOT withdraw monies from our accounts until the next business day, which is not happening at this time! This is especially true on Fridays which they say after closing, deposits and withdrawals will be on the following Monday!!! As I said, the policy that they said they subscribe to was that there would not be withdrawals from any accounts after XXXX XXXX which would be XXXX XXXX. They withdraw monies from accounts at least 10 hours from the XXXX XXXX XXXX XXXX. ) deadline! With this day and age of online quickness XXXX immediate transactions ) why does it take over 10 hours from their so-called deadline to withdraw monies from customer 's account, except for the fact that they can collect XXXX dollars from their customers for NSF fees per day!! I thought Chase was going to correct this " rip off '' tactic, but I guess there has to be a class action suit for XXXX dollars for this cheap rip off practice! I guess our suggestion that they immediately ( as soon as possible ) withdraw our funds for our checking accounts so that we may deposit monies immediately when we feel that a check will be deposited. When I go to sleep after XXXX I should not have to worry about NSF fees. I 'm retired and live on a fixed income! However, I write up to about XXXX checks a month for bills, etc., so some of the checks are deposited all month long. I glad that Chase workers do not ever have this problem! The executive office does n't even have my updated address which I changed ( moved ) 10 months ago!! 
I will be transferring my accounts to another bank beginning next month. Chase has by far the worst complaints record in history of banking by far. 
I was already ripped off over {$700.00} a couple of years ago when I was on vacation and they charged me for transcriptions that I never ordered. I went to several Chase banks and talked to several managers and they tried to get my monies back for me but they only got some of my monies back! XXXX XXXX XXXX XXXXXXXX
Paypal allowed a fraudulent charge to occur on my account. I called the credit card company and they fixed the issue. Paypal locked my account down. I then submitted documentation on XX/XX/XXXX. The information has not been enjoying reviewed and my account remains locked. I have sent over ten emails and have gotten Zero Response. This violates banking codes of ethics and US Codes regarding access to accounts. XXXX is unable to access this account for payment causing undue harm and distress.
On XXXX XXXX I was alerted that a collection was added to my account ( opened on XXXX XXXX ) by Jefferson capital system for {$81.00} on behalf of XXXX. 

Since XXXX XXXX that the account was opened I have not been provided with the following : - Agreement with the creditor that authorizes you to collect on this alleged debt - The agreement bearing my signature stating that I have agreed to assume the debt - Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations has not expired - Complete payment history on this account along with an accounting of all additional charges being assessed -Show me that you are licensed to collect in my state ; and - Your license numbers and Registered Agent This illegitimate debt is affecting my credit score in a negative way and must promptly be deleted due to its inaccuracy.
Eastern Account System contacted me stating I had a bill with them in collection. I 'd never heard of them. They did not tell me who they were collecting for ( I have since found out ). I wrote to them, informing them I disputed ANY bill with them. I never heard from them again. About 2 months later, I received an email from a credit-monitoring service, stating I had 2 accounts in collection. They are refusing to remove these from my credit report, even though they clearly violated the FCRA/FDCPA.
On XX/XX/2017 I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/2017 and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/2017 to which I immediately called XXXX for an opt-out again. Today, XX/XX/2017, I received another XXXX XXXX mailing. I thought something was not right so I pulled my Experian credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.
My mortgage company Penny Mac raised my mortgage an extra {$1000.00} a month due to incompetence on there part, they stated I had two parcels when I only have one and were charging me twice for property taxes that were part of another parcel and completely different address that I do not own. I have been back and forth with the company for the past several of days and was told numerous reasons why my mortgage was increased one of them being that my property taxes had increased and another reason being that my homeowners policy had also increased. My taxes and homeowners policy have not increased, the third representative that I spoke to today called my XXXX XXXX to clarify payments that had been made and that is when they found the error that they were charging me for someone else 's parcel/property taxes and overpaid basically charging me double the amount of what my property taxes should be.I would like to  make sure that this is rectified and corrected because unfortunately I can not trust this company. I have never missed a mortgage payment and have never made a late payment and I think this is disgusting the way the treat their customers and do not believe anything they tell me, I think that they are pocketing my money and hope they are not doing this to other innocent hard working people like myself. A full investigation should be considered and done regarding this matter and situation.
There is a huge difference between my balance displayed online. My XXXX spend shows a balance of {$15000.00}, while the online balance with no transaction description of charges sums up to {$35000.00}. This is a huge discrepancy of {$20000.00}. Which may be possibly explained by the following : Discover Card issued back credits that were rightfully mine in the amount of {$21000.00}, off a sudden out of no where, they recharged me back. These are the following items I have documentation that states the cases were settled in my favor : XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00}
I contacted the company and informed them to not call my place of business, as this is my work number, they stated they took my number off, but still calling.
XXXX XXXX XXXX XXXX XXXX, XXXX $ XXXXThis loan has been closed since XX/XX/XXXX. The unit was sold by fannie mae on XX/XX/XXXX for and amount of {$83000.00}. The balance showing on my account should not be there, since the unit is no longer in my name. I released the unit to XXXX in lieu of foreclose.