WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a note loan account with Western Shamrock in XX/XX/XXXX. In XX/XX/XXXX, I made a loan payment to pay the account ahead through XX/XX/XXXX. At the time when the payment was made, the loan status was current and was not behind. In fact, this account has not been behind since inception back in XX/XX/XXXX. In XX/XX/XXXX, I made another payment which paid the account ahead through XX/XX/XXXX. Since I started paying this account ahead in XX/XX/XXXX, Western Shamrock has repeatedly reported to XXXX that my account is 30-59 days behind. I have disputed this information directly with Western Shamrock on more than one occasion. I have also discussed this situation with the area manager of the local Western Shamrock office and she has verified and agreed that my account has not been late and stated this would be corrected.

Additionally, I have disputed the same information with XXXX. Both Western Shamrock and XXXX are playing the blame game and neither company has taken accountability to rectify this situation. I am seeking to have my XXXX credit file corrected as this situation is preventing me from being approved for a mortgage. 
Fortunately, my credit file with XXXX and XXXX is being reported correctly as current.
I sent out two letters to this company stating that there was an hard inquiry on my credit report and need it be removed immediately. The company wrote with the same letter twice and said that XXXX XXXX XXXX XXXX  pulled my credit. I called XXXX XXXX XXXX XXXX and ask them to get it remove but no one is willing to remove the hard inquiry. I ask them for proof of my bearing signature of me signing any type of application with this company. 

Exeter date of inquiry : XXXX, XXXX XXXX XXXX date of inquiry : XXXX, XXXX XXXX date of inquiry : XXXX, XXXX
XXXX XXXX Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current XXXX XXXX {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days. Sears Credit {$600.00} Closed acct was less than 30 days late when closed. Sears Master Card Credit {$1200.00} closed acct was current.

Sears Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX  Mastercard {$2700.00}
I have always paid my mortgage online and in XXXX 2016, I inadvertently scheduled the payment on the incorrect day. When I realized the problem, I scheduled the correct payment date. 
The following month, I was unable to schedule an online payment, so I simply paid at the local Bank of America branch. I made my mortgage payments at a branch in XXXX and XXXX. 
I received a telephone call from Bank of America in XXXX, alerting me that I have not made the past two payments. I explained that I have the receipts for both payments and that I have the cancelled checks that they were paid by my bank. 
I was informed that I can only use certified payment through XXXX XXXX or XXXX XXXX. After attempting to make a payment through XXXX XXXX, I was unable to do so because the account information provided was invalid. I have no problem making my normal payments, but getting certified funds every month is logistically impossible due to my work schedule and taking care of my elderly parents, as my father has XXXX. 
I would like to return to making online payments.
I placed a security freeze on my accounts, Experian, XXXX and XXXX. I am currently in the process of buying a house and needed to have the security freezes lifted so the bank can run my credit report. XXXX and XXXX have lifted the freeze, Experian will not. I have called several times with no luck. They keep telling me they are going to mail me my pin to do it on line but the pin never comes.
I called Experian on XX/XX/2016 and spoke with XXXX regarding the results from the reinvestigation of my credit report. He asked for me to verify my private information and afterwards asked me how me could help me. I told him that I did not agree with the investigation results pertaining to the account XXXX XXXX that was showing as updated on my credit report. I asked XXXX to tell me how the account was verified, because I have the right to know. XXXX informed me that he did not know specifically what method was used, and if he did know ; he did n't have to share that information with me, because that is confidential information between Experian and the original creditor. He stated that the original creditor is the paying customer that furnishes the information on my report ; so they are the only ones who could gain records or make any changes in regards to information pertaining to my credit file. At that point ; I was so distraught and I became very upset. I told him that according to the FCRA, I have the right to know and by law I am entitled to receive that information if I requested it, because this credit file that Experian is holding is pertaining to my livelyhood. At that point ; he told me that he could not help me with that information, and if there was anything further that he could assist me with. I told him that he is violating my consumer rights, and I demand to speak with his supervisor immediately. He told me that he will transfer me to XXXX XXXX to further assist me. At that point he made disconnected my call completely. I immediately called back for assistance, and after my information was verified ; I was directly routed to XXXX XXXX who was unavailable to assist me. I have to say that I have been violated in the worst way when it comes to my consumer rights and being treated fairly. I am so hurt ; literally in tears as I write this, because I have rights, and he treated me as if I was scum on the bottom of his shoe. He treated me as though my demands or request did not matter. I want this report completely removed from my account, and this employee should be fired for treating law abiding citizens like this.
A debt collection company named  XXXX   XXXX   XXXX  continuously sending me letters during the past  2-3 years  asking me to make a payment of {$660.00} they claimed that I owe Bloomingdales. I have never applied a credit card, or never did I purchase anything that did n't pay at first place in Bloomingdales, so I do n't know where does this {$660.00} come from. What 's even more suspicious is that they asked me for my SSN, and because I was n't aware of how unsafe it can be, I exposed my SSN to them. I have absolutely no idea on how to handle this at the moment, so I am looking for your help. Thank you!
I signed disclosures and locked in a 60 day rate with Bank of the West on XX/XX/2017. I received a revised loan estimate on XX/XX/2017 saying " pricing changes upon underwriter review - non QM loan '' which added {$3800.00} or .5 % discount points to our loan. However, the sales price has been the same since I opened escrow on XX/XX/2017. Prior to this incident, I kept receiving disclosures in the mail with high discount points which did n't match the advertised rates for the day. I also wondered why other banks were able to do edisclosures but this bank was the only one that sent disclosures in the mail. When I raised the issue with my loan officer XXXX, he said the rates were off in their system and that he had no idea what was going on. I was confused as to how the rates our loan officer was able to lock were higher and had much higher discount points than what was published on Bank of the West 's website and on the Bank of the West rate watch daily emails. I told him I am adamant about not paying any discount points. I asked that he send a screenshot before locking in our rate. On XX/XX/2017 that 's when I locked in our 3.375 % XX/XX/XXXX ARM rate with XXXX discount points and a {$790.00} admin fee. Also, their appraisals are {$850.00} dollars which is $ XXXX {$400.00} higher than most banks. The loan processor XXXX sent an email on XX/XX/2017 saying that my loan was approved by the underwriter and that I would get the approval in the mail. Instead, I received a revised disclosure with {$3800.00} in fees for discount points.
I called this company on or aboutXX/XX/2018, spoke to XXXX ext. XXXX and requested an itemized statement. I did not receive what I asked for. Then I called back on XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX I spoke to operator XXXX she was very rude requested to speak with a supervisor, I was placed on hold then transferred to a voice mailbox that kept requesting for a password. I have been trying to verify weather these accounts are mine. I am still awaiting on a response because I am not going to pay for something that's doesn't belong to me. I have attached a copy of the letter they sent me, as you can tell this is not an ITEMIZED copy.
I have attempted to appeal the loss mitigation denial where a letter was sent by EverBank on XX/XX/XXXX. This letter claims that XXXX XXXX is not eligible for loss mitigation because he failed the NPV test. I requested ALL input values used to run the NPV test. In a letter dated XX/XX/XXXX, an EverBank representative, XXXX XXXX, claims that the reason why a loan modification was not offered to XXXX XXXX was because, he failed to complete a subordination package to EverBank. ( A  copy is enclosed for your records. ) This subordination package was never sent to me, XXXX XXXX 's attorney, but should have been sent to me since ALL correspondence regarding XXXX XXXX loan modification has gone through me since he initially applied for loss mitigation on or about XX/XX/XXXX and completed an authorization form for me to speak with EverBank on his behalf. The only piece of correspondence that was not sent to me, as far as I know, apparently was the subordination package. EverBank determined that it was going to stop working with the XXXX attorney, me, even though this case remains in litigation, and deal directly with XXXX XXXX. This is a violation of NYS law and resulted in XXXX XXXX losing the opportunity to modify his loan. EverBank has come up with a new reason failure of the NPV test. EverBank should not be permitted to fail to send the subordination package then force XXXX XXXX to do a completely new loss mitigation application and after years of engaging in attempting loss mitigation, claim that it failed the NPV test when on XX/XX/XXXX, that was NOT the reason why loss mitigation was denied. XXXX XXXX should be put in the position he would have been in but for Everbanks mistake when it failed to send me the subordination package. Further, in this XX/XX/XXXX letter, I was advised that XXXX XXXX loan was denied,... as he did not satisfy all the requirements that would have allowed us to continue our review of this request. Accordingly we were required to provide an accurate reason for the assistance denial ; therefore, we referenced the NPV results from XX/XX/XXXX. Additionally, on XX/XX/XXXX, I requested a payment history of XXXX XXXX XXXX LOAN XXXX and that was never sent. Please send an updated payment history. EverBanks actions and inactions in this case are bizarre. Based upon the foregoing reasons, the denial of XXXX XXXX for loss mitigation was improper and illegal. We are seeking a review of the determination and a response to this letter, a loan modification, and payment history, immediately without further delay. The Consumer Financial Protection Bureau should note that the master servicer for this loan is XXXX XXXX which has a long history of consumer fraud.
I fell behind on paying my mortgage with Nationstar Mortgage LLC and requested a modification that was approved in XXXX 2016. The terms of the modification were a new 40 year mortgage with a new balance of which {$58000.00} was deferred and non-interest bearing. My complaint is regarding the legality of this agreement. The original loan was {$160000.00} and now the new loan is {$190000.00} of which the property is not of that value. This property is in XXXX that is very crime ridden and economically XXXX. There are no formulas or itemized detail that shows how the new loan amount was determined and how the deferred amount was determined. This loan leaves me in a worse off situation that before and my understandings of modifications are to help the owner save the property but not put them in a worse off situation. This agreement has a new payoff in 40 years again worse off than I was currently at. I do not think this lender is providing options for homeowners that actually help homeowners and would like someone to review this please.
Since going on medical leave and unable to keep up with payments, have been getting robocalls from XXXX different numbers at least XXXX times per day, from both numbers, which amounts to up to XXXX calls per day including weekends beginning at XXXX Also have been getting emails about once a week. When attempting to answer the emails, they are 'donotreply ', and must go to website. I find these practices offensive and would like to simply answer an email. This is the first and only default on this account, and have been discouraged from answering in writing and being bombarded from calls almost every XXXX minutes on a daily basis, from XXXX creditor.
There are  XXXX  collections after me for a debt that I do not owe. Convergent Outsourcing is  one  of them and they are try to get me to pay {$2200.00} for a debt that allegedly came from   XXXX   The account number they are using on my report is "  XXXX  ''.     I never once received a notice to dispute this debt before they put this on my credit report. I had my credit pulled recently and that is when I found out this was on my credit. The second collection company 's name is  XXXX  Consultant. They are also trying to get me to pay the same amount of {$2200.00} but they are using another account number. The account number  XXXX  is using is "  XXXX  ''.     Is n't it illegal for  two  different companies to harass someone for the same debt. I do not know what they are talking about and I have never been provided with any supporting documentation that proves I ever had an account with them. If no validation can be provided, why are they colluding to report this account twice on my credit report???
XXXX XXXX is Charging me {$620.00} a month for Escrow. 
My annual property taxes is {$3400.00} My annual homeowners insurance is {$820.00} That should make my escrow about {$350.00} a month. 
they are overcharging me {$260.00} a month and I can not get them to reduce it. 
I do have a year end statement and I also have a report from my insurance company. I have called before and ask your team what to do and I have can not get Huntington to stop taking so much. 
Can you help?
A close out check issued from XXXX XXXX on XX/XX/XXXX in the amount of XXXX, it was deposited via mobile app on XX/XX/XXXX, this check reflects the amount left in my checking account with XXXX XXXX. Unbeknown to me, a stop payment was placed on the item for reason ( s ) unknown to me, I am still trying to find out why they stopped payment on the item after they agreed to send check, they do in fact owe me the funds. Check was deposited to my Suntrust account and is now overdrawn due to stop payment, overdrawn amount includes numerous overdraft fees, a total of 14 plus a returned check fee. Due to status of my XXXX XXXX account, there is a special department handling it which works off a voicemail and they do not return my messages. A separate complaint is on file with CFPB in regard to stop payment and status of missing funds. I attempted to reach out to Suntrust executive office in regard to resolution of overdraft fees and returned check fee as stop payment appears to be an error on XXXX XXXX, not my fault. I was unable to reach anyone in executive office, just customer service and a few reps working in different branches. I need these fees refunded
I refinanced my house and Stonegate Mortgage and Servicing still has not returned over XXXX dollars thats in my escrow account. They have told me numerous times they are sending it which I have at least two of those times recorded on my computer. A manager by the name of XXXX assured me he was overnighting it. Two days later when I called to find out where it was, I was about to be transferred and then suddenly he is no longer in the office for the day at XXXX. Not one person has given me a straight answer and no one has returned my money to me since my closing over 60 days ago from writing this complaint. These people are crooks.
I have a XXXX XXXX XXXX Credit Card through XXXX XXXX with a limit of {$200.00}. I haven't been able to make a purchase or payment for over two months because I don't have a checking account. I have received 3 Late Payment charges, for the simple fact that I don't have a bank account. When I receive statements, the only payment allowed through the mail is a check. When I attempt to call in a payment by phone, I'm only allowed to use a check. When I was late with my payment the first time, a male XXXX XXXX representative called me. I told him I didn't have a checking account. He said that since my payment was late, I could make that monthly payment plus a Late Payment Fee with an alternative method. I made that payment with my Mastercard Debit Card. I was never informed that I could make my payment every month with my Mastercard before my payment was due. I opened a checking account just to make my monthly payments to XXXX XXXX XXXX. Upon several attempts to transfer cash from my Mastercard Debit Card to that checking account, I was unable to successfully transfer funds. Then, I decided to close that checking account. I haven't attempted to open another checking account yet. I also loaded my XXXX XXXX XXXX, ( In which I have my own personal routing number ) to make a XXXX XXXX XXXX Credit Card payment that month. That payment was declined by XXXX XXXX. I missed my XXXX payment, not knowing the XXXX payment to XXXX XXXX XXXX XXXX was declined. I missed a payment XXXX, since I didn't open a bank account and I really don't want to open a bank account at this time. I received a call a couple weeks ago from XXXX XXXX male employee. He wanted a {$52.00} payment and said I could use my Mastercard. I told him about my checking account problem, the rejected XXXX payment, and how I can only use my Mastercard when my payment 's late. He told me I could use my Mastercard for my monthly XXXX XXXX XXXX Credit Card payment before the due date and that I only needed to talk to a live person to make a payment with that. I didn't know anything about that until 3 Late Payments accrued to that account. The lack of information has harmed my credit. The man I spoke to seemed to be amused and didn't offer me any credits to my account, so I didn't make any payments. Last week, I called to make a monthly payment and I described the previous incidents. I was told by a XXXX XXXX female employee that she would waive one Late Payment Charge, but first I had to pay the Late Payment Charges and my monthly payments. I didn't approve of that and didn't pay the Late Payment Charges or my monthly payments. I think the bank is deceptive for not informing me of having the option of paying by phone to a live agent until 3 Late Payment Charges later.
This Complaint is abo ut WU 's  refusal to correct the misuse of my information by  XXXX  of its users.     I am a  XXXX  citizen, living in  XXXX . Someone has been using the  western union international money transfer services to send money from ne w york to  XXXX  and registered my email as theirs, so in half a year I have received at least  XXXX  money sending notifications, I have called on  three  times the number  XXXX  of  western union custo mers to request to correct this situation, without which to date I can give a solution.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX, all non-account holding inquires such as XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX
Wells Fargo response still does n't address my mortgage delinquency. This lender is not trust worthy or ethical and they tried to illegally foreclose on my property and I caught them. I have been trying to get Wells Fargo to do the right thing since XXXX 2015 asking them for a loan modification. They will absolutely not do it and have denied me and my family 6 times. My property has a good amount of equity and Wells Fargo continues to play serious hard ball denying me on every turn I take to get mortgage assistance. This huge bank is just not in the business of helping certain home owners. They want me to take all the responsibility for {$49000.00} behind payments. I would not be behind this far if Wells Fargo simply did n't lie during all the loan reviews and would just start taking payments to stop the bleeding. They continue to refuse me paying toward my mortgage. I signed a promissory to pay back what I borrowed even if I am delinquent. If Wells Fargo continue to deny my loan mod request then why do n't they at least allow me to make payments to keep the balance down. Wells Fargo wants to keep the fees and balance growing so its nearly impossible for me to ever catch up. I have been very transparent with Wells Fargo but their reps continue to ignore me and laugh in my face. The are the most brutal lender I have ever seen to work with. My last denial said I made enough and could afford the payment. Yes I can afford the payment so therefore I deserve the right to stay in my home with my family. My wife and I have a XXXX XXXX XXXX girl for XXXX 's sake!! We do not have the ability to come up with the $ XXXX over night. My wife and I had some terrible family hardship, loosing a child, that led to the delinquency. How can any normal lender with compassion not wan na help a family who lost a child. Do they believe in XXXX karma and have a conscious? I need some type of plan or assistance from Wells Fargo. But they wo n't do it because they want my equity in my house through foreclosure. They will not say this but its true. If my home was under water in a bad market, a loan modification would be granted immediately. Wells Fargo has fought me tooth and nail like a heavy weight fighter. I just recently sent over my appeal request with a change in income circumstances. I have a new job with XXXX XXXX and I 'm eager to start making payments. I am hoping this appeal will get me a loan modification approval and a trail payment plan. I would like a phone call from the CEO or the head of mortgage lending to resolve this delinquency ASAP. Thank You