WillisBack/dataset-financial-user-claim huggingface dataset:
I received a real estate tax bill from my county. I called the mortgage company to find out if they had paid the tax bill and they said they did. After speaking with the property tax agent, I realized the map number that the county was asking me to pay was incorrect, it was not my house. After contacting the county, they said they would correct the error and I would not have to pay. However, the mortgage company called my county tax office and later added that parcel of land to my loan and paid the outstanding tax bill due on that parcel. I had to contact the mortgage company again and ask them to remove this parcel of land from my loan and ask them for a refund from the county. In the meantime, my loan was re-assessed and now the mortgage company wants to me to pay more monthly because of the company 's error of adding that parcel of land. They said they will not re-calculate my loan until the refund payment from the county comes in. I should be able to pay the original lower monthly payment for the mortgage and not have to pay a higher cost for their mistake.
XXXX   XXXX ,  XXXX  : Refinanced my mortgage with  XXXX   XXXX  Bank.    XXXX   XXXX ,  XXXX  : Received notice from   XXXX   that Nationstar would be my new mortgage servicer beginning  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  : Reached out to both  XXXX  and Nationstar to determine my account number and other necessary information to remit payment on time. Neither provided account number ; told to wait for welcome letter.    XXXX   XXXX ,  XXXX  : Spoke with  XXXX  at  Nationstar  to inquire about account number and not receiving a welcome letter to date.  XXXX  could not locate account in the Nationstar system. She said loan has not boarded yet.  XXXX  explained, Legally I had a  XXXX  window with no payment due. Told not be concerned ; just wait for welcome letter.    XXXX   XXXX ,  XXXX  : Spoke with  XXXX  at  Nationstar  to inquire again about account number and welcome letter.  XXXX  reiterated what  XXXX  had said ;  XXXX  window and wait for welcome letter.    XXXX   XXXX ,  XXXX  : Received welcome letter dated  XXXX   XXXX ,  XXXX  stating payment due on  XXXX   XXXX ,  XXXX .  XXXX  with  XXXX  at  Nationstar  who confirmed there would be no late fees associated with account due to the  XXXX  window and  XXXX  monthly grace period.    XXXX   XXXX ,  XXXX  : Nationstar received first payment for {$2300.00}. ( Please see attached bank report. )  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  : Nationstar has received monthly payments ( {$2300.00}  )  all within the  XXXX  grace period. ( Please see attached bank report. )  XXXX   XXXX  : ( Uncertain of exact day, I believe it was  XXXX   XXXX  and I am positive it was between the days of  XXXX   XXXX . ) Received certified letter dated  XXXX   XXXX ,  XXXX  stating that my account was delinquent and that I owed a past due amount of {$3300.00} due in full by  XXXX   XXXX ,  XXXX , or else foreclosure. ( Please see attached letter. )
I hired home depot to do a kitchen remodel. It was supposed to be a three day job starting XX/XX/XXXX and ending XX/XX/XXXX. As of today XX/XX/XXXX over two months later, the job is still not complete and I get no solid answers from Customer service. Only lie after lie from the back office. I have asked for a refund and my requests have gone on def ears. Please help get me a refund for the job that has not been completed in over two months so i can move on and have someone else complete the work. I get the credit card bill each month and pay for a service that has not been completed!!
I live in Georgia and understand I am entitled to XXXX free reports from each credit reporting agency per year but have only requested XXXX from each agency this year. I tried requesting my free credit report from Equifax online at XXXX on XXXX/XXXX/15 and apparently answered some random questions about past accounts incorrectly and so then went through the process by phone by calling XXXX. At the end of the process the recording said I would receive my report within 15 days. That has not occurred. Last year I experienced the same issue and called Equifax. The person I spoke with at that time said there was no way he could check on the status of my report ; I had to do it thru the XXXX website. 
I did not find a way to check Equifax order status on that website or by phone. I still have not received my free credit report and have no way of knowing whether it was mailed or processed to begin with. That is a security issue since my report contains personal information. I have seen numerous other complaints about Equifax on your website about the same issue. My problem is a repeat of what happened last year. In the past I have NOT had similar problems with both XXXX and XXXX. 
Thank you for investigating this issue and facilitating my credit report being mailed to me.
This company is a fraud and de fraud me I agreed to a 12 % apr on XXXX title loan and had my head ripped off with a GIANT 68 % rate I DID NOT agree to this I was told my rate would be 12 % then I look up Westlake it looks like you the cfpb have fined them XXXX XXXX dollars and my loan XXXX if you can call him that was indicated for fraud from the FBI My " Esigned '' loan documents show 68 % which are forged!!!!
On XXXX/XXXX/2016, I notified Freedom Mortgage about my financial hardships and that I wished to go through the loss mitigation process. I received a loss mitigation package from them requesting that I sign a few documents and send back some documentation as well. I forwarded the package back to them via email on XXXX/XXXX/XXXX once I finally received the package. Included in the package was a hardship letter ( per their request ) to explain the hardship I was experiencing. The letter also explained my situation regarding banking accounts. On XXXX/XXXX/2016, as I caled in to make a monthly mortgage payment, I asked if loss mitigation had any news for me regarding my request for modification. I was told by the rep that took my payment, they still needed all pages from my bank account. I explained for the 3rd time, that I did not have a bank account as stated in the letter ( obviously they have not read ), so stop asking and let 's move forward. That rep stated that she was going to notate that on my loan and have a manager review it to get the ball rolling. 

It has now been more than 30 days and they have stopped all communication with me. I spoke with a rep today as I was making another monthly payment and she stated the same thing about the bank account documentation. It is as if they are delaying the process on purpose so that they can foreclose on the home.
XXXX reported me 3-4 months late On a credit card balance of {$19.00}.

They reported this to all three credit bureaus and it has affected my credit score.

Contacted XXXX on XX/XX/XXXX and they told me that I have a XXXX balance as of XX/XX/2018 when they closed my account. 
I never received a statement from XXXX for months cause I had not made any charges on the card! 
XXXX would not contact the three credit bureaus on behalf to settle this problem!
I made a XXXX transfer for XXXX to Coinbase on XXXX XXXX 2017 Payment was sent from my XXXX XXXX  account and Coinbase received it but its not showing on my Coinbase account. 
Its now 14 days since the transfer with no funds showing, I have made multiple calls to which Im told its passed on to the correct department but I havent heard anything. 
All emails go unanswered.
I got a gift card from my employer but did n't have the activation code. When I called in to have it activated, the lady I spoke with asked me for a bunch of personal information, which is fine. But then she proceeded to ask for my XXXX, claiming she could n't activate the gift card without it. When I said I 've never had to provide my SSN before to activate a gift card, and that I 'm by comfortable with that, she then said she DID N'T need the SSN. This seems very suspicious.
FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. XXXX Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under XXXX ( a ) ( 3 ) or the income-based repayment plan under XXXX ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /s/ XXXX XXXX
My mortgage was transferred to M & T Bank on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to M & T Bank, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with M & T bank XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my M & T representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Synchrony Bank, the operators of XXXX XXXX XXXX 's store credit card, have repeatedly applied payments incorrectly to promotional balances. 

I have several purchase balances that are on a 'fixed payment schedule ' meaning that they are a set amount for a set period ( {$9.00} per month for 48 months, etc. ). 

I have other balances that are deferred interest if paid in full ( 0 % for 18 months for example ). These require no pre-payment until the end of the promotional period, aside from a monthly minimum. 

Their terms state that payments in excess of the minimum payment for the fixed payment plans are applied to firstly non-promotional balances, secondly to deferred interest balances, and lastly to pay down the balances on the fixed payment promotional balances. 

For 2 consecutive months, they violated these terms by applying the excess to the fixed payment balances and reducing the payment applied to the deferred interest ones. This would result in my being unable to pay off the deferred interest until the entire balance of the card was paid off in full, likely resulting in my having to pay the deferred interest if I was unable to clear the entire balance.
When the news broke about Equifax I decided to check the website they gave to see if my information had been compromised. According to the website it said that my information probably was not impacted. Probably, is not that reassuring! I let it go until a couple weeks later there was something else in the news about Equifax so I decided to check the website again and this time it said my information may have been impacted. May, is even less reassuring than probably!! So I decided to follow through with the next steps to get the free credit monitoring service through the website they gave. What a convoluted mess!! I have talked to so many people at different numbers and have received zero satisfaction. First of all, since they caused the mess why do I have to jump through all these hoops in an attempt to get the free credit monitoring service when they are responsible for the problem, if anything they should get in touch with me and tell me they are giving me this service. All the different numbers I ended up calling started from the number on the website, then in a couple of instances I was automatically transferred to a different number, which made me uneasy. In all cases I was asked for my private information ; only one time did the person on the other end ever ask for my entire social security number. I was uneasy about giving it to them but since the number I started with was from the original website I was given to follow up on this matter I did and also one of the other one people that I spoke with said that they occasionally do ask for the full social security number. My reservation about give any private information to Equifax is that they did not do such I great job safe guarding it in the first place so why should I trust them with it this time. I even filled out the information form twice on their website and still absolutely no satisfaction. On one of the last calls I made I asked the gentleman on the other end where was I talking to him from and his reply was XXXX, my thought was XXXX!! Why am I giving my private information to someone in XXXX!! I could not believe it that Equifax had the unmitigated gall to out sourced this problem to a foreign country. I am absolutely thoroughly and totally discussed with the whole mess and am in a quandary as to what my next move is?? I hold Equifax completely responsible for any issues with my credit for the foreseeable future. What really takes the cake is that Equifax will probably walk away with absolutely no penalty what so ever and the consumer again is the one who will be left holding the bag.
Despite multiple requests, the unverified item with  XXXX , inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted  XXXX  via mail and have returned undelivered mail with inaccurate address on file, and via phone  XXXX  has told me I never had account with them. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I 'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. TransUnion is also reporting incorrect contact information, and payment status on report for the   XXXX   creditor.
This account with XXXX XXXX was disputed on mine and my husbands credit report with all 3 bureus as well as XXXX XXXX ... This was disputed multiple times as no knowledge and to validate proof of debt. XXXX and XXXX verified this as not our account and that the company did not respond within the time frame. Well with Experian they came back and said validated. This was not investigated by Experian and they just came back and said validated. We never got proof that this debt is ours and it should no longer be on our experian report.
The Thomas Agency - 2 years ago I had a company for running credit cards. I clearly emailed them and canceled. They continued to bill me. Then, I needed an invoice, so I canceled again. They sent the info to a collection agency. The collection agency came after me for {$740.00}. Keep in mind I already canceled twice. I feel like they have a bait tactic and require an overly difficult cancellation process. I am very frustrated as I have already canceled twice.
I have attempted to short sale my home for the last year with the repetitive declines stating that the offer was not sufficient. We have asked for a valuation dispute and was advised that we were not eligible to dispute the value of the home. This last review I was advised that the offer of {$370000.00} was not valid - and that the offer needs to be {$470000.00}. The bank was sent an offer for {$470000.00} and they are now stating that the file is denied due to an invalid offer.     Please help me have my file accurately reviewed as the Bank is not acting in good faith with my situation and it seems that they wanted to foreclose on my home no matter what.
Reporting/collecting unverified/unvalidated debt to credit bureaus. Please ref to Virginia Law VA Code 8.01-246. This company has yet to provide any signed documents/contracts between myself and their company.
He calls me at the morning XXXX in the morning he tells me that I 'm worthless what kind of drugs am i smoking and I have no dignity for myself that I 'm worth nothing and he wants to leave these on my voicemail so I have proof and the company 's name and XXXX XXXX and the guys name is XXXX XXXX
Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX   has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are Capital one, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
My son applied for a student loan through XXXX XXXX I did n't know at the the time my name was used as a co signer just as a reference only. there are 4 loans and only one, the last one was in my name. My son did n't pay for the loans and XXXX XXXX contacted me and said I was a co signer on his 3 loans. I said I never signed anything can you send me the loan application with my signature on it. they sent me the copy of the application that is with Navient now, and no signature anywhere with my name on it was found. I called them and they said they did n't need a signature they use the I.P. address as a signature. they told me I would have to go to the police department and file fraud charges against my son and fill out some paper work with no guarantee that I would be removed. No father wants to file charges against his son or daughter our relationship is hard enough know with him not paying the loan. I have been setting up every year with Navient payment on these loans but I feel they have blackmailed me into this position. they have also filed late payments on my credit report for bills I did n't know where over due because I was not the original name on the loan. I feel this whole student loan program is a scam no where can i get this money without signing my life away. an I.P. address only???? And you can get 100k something is wrong with this system and I am an innocent victim left to pay. 

I hope you can help me thanks for your time XXXX XXXX XXXX  Navient loan # XXXX loan # XXXX loan # XXXX
I made XXXX wire transfer requests via USAA online banking, but the requests were rejected because I put in wrong account number. Nonetheless, USAA charged me {$40.00} for the failed wire transfer requests. USAA customer service said because I put the wrong account number, so it would not refund the money. But there was no such warning before I submit the wire transfer requests, and I reasonably believed that I would only be charged only if the wire transfers were successful.
My name is XXXX XXXX. I became a victim of identity theft. My health insurance company, XXXX notified me that my personal information was compromised. Since then, somebody tried to get my tax refund and opened several credit cards with using my personal information. I had filed a police report and even asked for investigation to FBI. As such, XXXX provided me free credit monitoring services and I had been monitoring closely any suspicious activities. The original creditor, XXXX XXXX XXXX Bank opened a credit card without even checking correct spellings of my name. The identity thief used incorrect spellings of my name like " XXXX XXXX '' and that account was opened in out of state while I was residing in XXXX XXXX XXXX XXXX Bank should had hired a private investigator to catch the identity thief with the same money have spent on hiring a debt collect, " Capital Management Services , LP '' to harass the victim of the identity theft.
I mailed a certified letter to them on XX/XX/2018. They received my letter on XX/XX/2018. They completed their investigation on XX/XX/2018 stating that they verified the information and it was certified accurate. I have proof from the courts and I have a security freeze on my information
I am XXXX, I was XXXX on the date of a first time doctor appointment. This greedy doctor has tried to charge me {$120.00} " no show '' fee. I 'm on medicare and there is no reason a repuptial professional should be alowed to charge a fee of this magnitude to a potential new patient. Then report that ill person as delinquent to credit bureaus, putting a black mark on there report.
On XXXX/XXXX/2016 I reached out to the Discover personal loan origination department with questions on whether it made sense to refinance my existing Discover personal loan or not. After a short conversation we came to the conclusion that it did in fact make sense to refinance the loan as the interest rate could be lower as well as we would shorten the term. 
After obtaining my permission to pull my credit and getting my income information the representative informed me that we would not be able to go forward with the loan because Discover does not lend more than {$31000.00} to any one individual. I would have been alright with this answer if they had informed up front that they do not loan out more than {$31000.00} for any one person but they did not. Also, the loan application was for {$17000.00}, the exact amount of the existing loan. The term refinance does not mean doubling the amount of what you trying to obtain, it means you are financing something again at a lower rate or different term. 
At this point I requested a manager. As soon as the manager came on the line I could tell he was not taking the situation as serious as he should have. He reaffirmed what the representative had stated and said that he would not be able to remove the credit inquiry. The only thing that I was upset about was the credit inquiry, I understand that lenders have limits on what they are willing to lend to any one person. In this circumstance the loan application should have never gotten to the point where credit was pulled. All of their employees and the system they use should recognize what application limitations are so that they do not negatively affect their customer 's credit scores with unnecessary credit inquiries. 
I also called back a few more times to try and escalate the situation but this came with no positive results. Every manager that I spoke with did not seem to understand the severity of unnecessarily pulling a consumers credit for loans that they disclose as not even possible.