WillisBack/dataset-financial-user-claim huggingface dataset:
I am a homeowner who had a fire on XX/XX/2016, complete rebuilding of my home, XXXX XXXX held my money, then later sold it to Nation Star Mortgage out of XXXX, we had an inspection 5 weeks ago and they will still NOT release our money to keep building. I am from XXXX and the weather conditions in the northeast could really hurt us if we do not get this finished, we were written up at that time being XXXX % done and we gave Nation Star everything they have asked EXCEPT the contractor 's license because in the state of Massachusetts the homeowner can be the contractor and sub contract everything out, they said flat out they will NOT release my money to me unless we hire a licensed contractor. In my opinion, this fraud, extortion, they have no right to hold MY money. They said it was their policy but they had no proof to show us, even if it was their policy the XXXX law states we do not need a license. XXXX who had our original mortgage when the house burned, had no problem releasing money to us. I do n't know how Nation Star can get away with this ... .we have lost time from work my husband put his job on hold to get this house done before the cold weather comes and NOW we have these people just hold our money just because they want to .... we are at our wits end and do n't know where to turn, please help. I have had XXXX since the fire, my husband probably will not have a job to go back to because we are now 8 weeks behind schedule and my children have been jeopardizing their jobs to try to call these people ( who customer service speaks hardly any English ) I have never been late for a mortgage payment. I have a high credit score and now they are forcing me to make bills that I should n't have to make now.
I logged into my online account today to make a payment, today is Saturday, XXXX/XXXX/XXXX, I noticed that my balance on my 0 % interest was higher than my spreadsheet shows it should be. I found that the bank has charged a late fee on Friday XXXX/XXXX/XXXX for a payment that was due on Saturday XXXX/XXXX/XXXX. When I called them, after waiting an extremely long time on hold, the lady told me that this is because they do not process payments on weekends, so the late fees get charged on the last business day. This is a very old trick that I thought had been made illegal for them to do several years ago. She said that it SHOULD be removed on Monday, however, I do not trust leaving it up to them to do this. So, now I need to remember to log in on Monday to check this and to keep an eye on them each month. None of my other creditors have to charge a late fee before the due date and then remove it if you pay before the due date ... This should be illegal to do - if you do not process payments on weekends, then do not make the due date on a weekend. See, it is an easy fix.
I have filed a dispute before regarding this issue with XXXX previously in XX/XX/XXXX for XXXX and they have sold my info again to another debt collection agency by the name of Enhanced Recovery XXXX ( ERC ). I filed a dispute XX/XX/XXXX and the item was deleted and removed from my credit report on XX/XX/XXXX for XXXX. I received a alert from my credit bureau regarding this issue XX/XX/XXXX for the same issue and I do n't have any knowledge of this account. ( XXXX & XXXX Credit Reports )
My mortgage company continues to report multiple negative late payments on my mortgage account even though they were paid on time and after several dispute reminders they fails to update the information under fair credit reporting act which is causing me great harm I'm refinancing my mortgage and low credit scores. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX   DOB XX/XX/XXXX SS # XXXX my loan # is XXXX  XXXX late reporting XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 60 days late XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late XXXX  XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX120 days XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 120 days XX/XX/XXXX XX/XX/XXXX, & XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX 30 days late equifax XX/XX/XXXX XX/XX/XXXX 120 days late XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX & 60 days lateXX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX 90 days late XX/XX/XXXX XX/XX/XXXX30 days late
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : Clarity Services on behalf of XXXX XXXX XXXX Date : XX/XX/2018
I have called Target to rectify my issue. Target closed my account and I paid them off. It still shows as a balance on my current credit report as if it still is an active account, but the same account also shows under my closed accounts as well. Target stated that they seen on their end that the account was closed and had a {$0.00} balance. But my credit report is reporting a balance.
There are  XXXX  accounts currently in collection with this agency, the first is for {$750.00}, which the company indicates was opened   XXXX     The second is for {$1000.00}, which my credit report shows was opened   XXXX     Both of these accounts have been re-aged, and are reporting misinformation on my credit report, which according to the FCRA is illegal.   The dates provided, I can only assume are the dates that these accounts were purchased by   Portfolio Recovery, rather than the original dates that they went into default.
I would like these collection accounts removed from my credit report immediately and any and all derogatory marks removed, as it is effecting and will continue to unfairly effect my credit ratin  g.
THIS IS NOT MY BILL, IVE EXPLAINED THIS SEVERAL TIMES AND IM STILL FIGHTING WITH THIS, IVE HAD HEALTH INSURANCE FOR OVER 10 YEARS STRAIGHT, THIS IS N'T MY BILL, THIS DEBT HAS BE TRANSFERRED TO NUMEROUS COLLECTION AGENCY OF THE YEARS {$1100.00}
Equifax reported two different bankruptcy. I disputed the two items and they were deleted on XX/XX/2018 and they turned right back around and put back on my credit report. They said they verified with the bankruptcy court but I have a letter from courts they do not verifty any information with credit bureau or third party companies
Southwest Credit Systems keeps calling me with numerous XXXX-area code phone numbers ( my phone number also starts with XXXX-area code ), every day, multiple times a day, for weeks on end now. ( Today is XXXX/XXXX/2017. ) Each time, it 's a new number, so blocking the phone number of the day provides little-to-no reprieve.
When I 've asked why they are calling, they say " personal business, '' and refuse to give me more details until I have verified all my personal information for them.
Every time I refuse to verify my information, because I have no written notice of debt from any business entity as of present. Upon review of my bills, as well as my XXXX credit report, I have no outstanding debts. As such, Southwest Credit Systems has no reason to be calling me. I called one of the XXXX numbers back today and asked them to stop calling me, and they refused. An exceptionally rude customer service member said, " you 'll have business with us at some point. '' Since the conversation crossed the threshold of reason, I hung up.
Submitting a complaint here seems like the next logical step. Please let me know if I can help with additional information.
I believe some one is getting credit cards in my name I don't have any credit cards in my name so if there any credit cards on my credit report open at this time they're not to me someone has stolen my identity and is pulling credit cards in my name
This company claimed i signed paperwork as a joint acct.. and i didn't..they took my signature and ran me as the primary because my income was greater,, i was told they would only use my income to help applicant get loan and my info would only be used for identification purposes for income and in would no way be on the loan.. When loan was finalized they had use my signature as the primary applicant and would n't remove me, ,would n't send me a contract of where i signed as a primary and now have my in credit bureau for a repo .... If you look at paperwork you will see i never signed the primary or joint applicant part of the loan .... 

Creditor Information VW CREDIT XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
I contacted their customer service 3 times previous about removing ALL the unauthorized inquiries and they would not help and take care of the negative inquiries reporting to my credit report.
I visited chase on XX/XX/XXXX where I opened an checking as well as a saving account. gentlemen banker assisted me with a split counter deposit. all my receipts say deposit on the XX/XX/XXXX. Chase now claims that the deposit was done 2 days later on the XX/XX/XXXX. Chase also still hasn't explained to me how I had interest payments deposited into my account. and why I had Ann available balance of {$1000.00} XX/XX/XXXX and I was unauthorized to withdraw from my own account. I will post a scanned document that shows the interest deposit in my next complaint.
Guaranteed Rate, Inc., " originated '' a loan on our home XXXX/XXXX/XXXX. Clause # XXXX says if the loan is paid, they are supposed to instruct Trustee to reconvey the house and eliminate all evidence of debt. We sent them a Request of Statement of account, they eventually admitted they had no interest in the property or the mortgage on it-XXXX, XXXX times in XXXX XXXX. Suddenly, after we sent the servicer, XXXX XXXX, a QWR on XXXX/XXXX/XXXX, GRI " assigned '' the mortgage-via MERS, who has no standing in Nevada-XXXX XXXX XXXX. The assignment was supposed to go into a XXXX, was way too late and not allowed even if it had n't been late. Either they lied about having an interest in the note, then assigned it illegally and late, or they told the truth about the note, and allowed XXXX to receive 2.5 years of mortgage payments and threaten foreclosure ( on XXXX/XXXX/XXXX ) when they had no authorization to do so. Also, they purported to be the actual lender, whereas the MERS report shows them as the servicer, nor di did they inform us that XXXX Bank was the lender, so they committed fraud from the very beginning. They also did not deposit the note into the trust as is required by the PSA agreement for XXXX. Furthermore, we sent GRI a Letter of Rescission on XXXX/XXXX/XXXX. They owe us either the XXXX mortgage payments and/or the closing costs. Another clause in the DOT : BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. '' I 'm contractually obligated to generally defend the title to the Property against all claims and demands. That is clear cut, and even if it 's ambiguous, the doctrine of " contra proferentem '' is applicable ; ambiguities are to be construed unfavorably to the drafter. GRI drafted the contract, not me.
I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under Transunion and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX
I added my name with my son when he opened a XXXX account when he began living on his own in XX/XX/XXXX. 

He moved to a different location in XX/XX/XXXX and my name was removed from the account, per a XXXX XXXX representative, because he had now established a payment history with XXXX. 

My son got married and moved XX/XX/XXXX, however he states that his bill was current and turned in all equipment when he switched to a different carrier XX/XX/XXXX. 

In XXXX XX/XX/XXXX I get a letter stating my name was on this account. As i stated prior, this is not true, my name was removed from the account per XXXX when he moved his service to a different address in XX/XX/XXXX. 

In 7 years while my son continued service with XXXX, I never received a bill, a phone call for late payment or anything in this matter but when he cancels service, now i get a letter from a collection agency. Now this negative reporting in on my account that i have nothing to do with. 

I have called to talk with XXXX XXXX or should I say their collection agency ( I never had any contact directly from XXXX only the collection agency ) And I have remained and the same address and phone number for 31 years. 
We are unable to come upon a resolution. They state there was boxes not turned in?? I find this very troubling and almost fraudulent. 
Any help with be greatly appreciated. 
Thank you
My wifes mother who is currently incarcerated opened a Wells Fargo credit card in her name when she was a minor. This account should have never been opened by Wells Fargo in the first place, however her mother incurred charges and never paid the balance. Wells Fargo considered this a charge off. In late 2016 my wife and I went to the Wells Fargo branch in XXXX XXXX, CA to open our first joint checking accounts. The banker that helped us ran into a rejection when opening the accounts. She could not tell us what the rejection was for, but called her back office and got them to bypass the account opening rejection. We later were notified that our accounts were being closed for cause due to the credit card that was ONLY in my wifes name. We tried to remedy the issue with Wells Fargos fraud department who never responded to our multiple requests. This account was closed due to actions of another person and should not reflect poorly on my consumer reporting with XXXX XXXX XXXX.
I have tried every method available and there continues to be insufficient actions taken by TransUnion to accurate provide accurate information on my report, which has caused me and my family catastrophic consequences against me & my ability to obtain viable employment as well as credit to provide a home for my family. 


Title 15 1681i. & FCRA Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( I ) Certification of accuracy of information if any information is deleted from a consumers File pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

TransUnion had previously deleted the 7 XXXX XXXX XXXX accounts and then re-inserted them on my reports months later, I was not notified of the re-insertion of this information. Per Title 15 1681i. & FCRA 611Procedure in case of disputed accuracy ( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing Not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

TransUnion has also deleted and reinserted 19 Hard inquires on my credit report, I requesting proof of notice sent to me of the re-insertion of these items or the immediate removal.

Im request proof that this notice was submitted to me after re-inserting the ( 8 ) accounts from the XXXX XXXX XXXX back on to my Transunion report along with dates verifying the submittal to me. or the immediate removal of the 8 accounts from the department of education.

I have uploaded two reports from TransUnion one dated XX/XX/XXXX that does n't show the XXXX XXXX XXXX accounts and TransUnion reported dated XX/XX/XXXX showing the re-insertion of 8 accounts from the XXXX XXXX XXXX there are reports showing those accounts as included in Bankruptcy removed and now reinserted.
I recently applied to Bank of America to modify my HELOC Loan to a 40 year amoritization loan, in order to lower my monthly payments. ( All my payments have been and are current. ) On XX/XX/XXXX the Bank of America Underwriter denied the Modification even though my Debt to Income Ratio is 49.53 %, which is within the required 45 % to 55 % range. The Bank of America Underwriter 's denial was based on her incorrect calculation of the Ratio ( the Underwriters errors have been detailed in my Table XXXX ). 

On XX/XX/XXXX Bank of America changed the HELOC loan payment from interest only to amortized over 15 years. This resulted in the monthly payments increasing from {$720.00} to {$2100.00}, which is a massive 191 % increase. To cover these higher payments from XX/XX/XXXX to present, I have had to pay a cumulative total of {$25000.00} extra [ ( {$2100.00} - {$720.00} ) ( 18 months ) = {$25000.00} ]. If I had been able to modify the HELOC before, I would not have had to pay {$25000.00} extra, which is still increasing at a rate of {$46.00} PER DAY. 

I have been seeking a HELOC Modification for over 3 years now. I have FAXed in over 20 months of documents which has taken over a XXXX hours of my time, due to chronic and systemic complications with the process. I am a senior citizen and have been a Bank of America customer for over 40 years.
This complaint is regarding Commerce Bank. I am a joint owner on my daughter 's student checking account. She transferred money through their mobile banking app at approx. XXXX on XXXX XXXX. It raised her " available balance '' by that amount. She then made XXXX debit card purchases online. Since it was after XXXX, the transfer was n't credited to her account until the next day, however, the debit card transactions that had been authorized but had not " hard posted '' counted against her immediately and they charged her {$10.00} to transfer the money from her savings account for " OD protection ''. When I called they told me had she not had OD protection she would have been charged XXXX overdraft charges. It seems unfair and deceptive for them to increase her available balance and make her think she can use her debit card and then charge her either an OD fee or an OD protection fee for subsequent transactions that are made using those funds.
This has been a very long stressful 7 years fighting to save my home. After fighting throughout these years in and out of court the only way I could stop the wrongful foreclosure was to file for bankruptcy. I finally had my day in court to provide proof I have made all my payments and was not delinquent on my payments and the only payments I owed were all the payments that were returned back to me by the bank. As you can see on the attachments the judge ruled in our favor. I have recently requested for a payoff, so I can leave this financial institution and I had to request twice thru my attorney and had to send a request in writing thru registered receipt and it took over two months to finally receive the request. And the payoff is incorrect! They are currently charging me for bankruptcy fees and cost, when they are the reason I had to file to begin with because they gave me no choice, it was the only way to stop the wrongful foreclosure! Also, throughout these years, even when the account was with XXXX, I have had an overage on my Escrow and this payoff does not reflect that overage. M & T Bank is holding a claims payment from the insurance to repair our roof for {$13000.00} that is not reflecting on this payoff. The statements I have been receiving is reflecting I am late on my payments again..how many more times are they going to do this and when will the harassment stop! I am current and I have all the cashed checks to provide proof if needed ( there are too many to attach, but I will provide them upon request ).
I opened a Citigold checking account in-branch back in the spring and had a promotion where I would receive XXXX XXXX miles after completing certain spending criteria within 3 months. 

I met those criteria in time, secure messaged with citi customer service and was notified that I had satisfied the criteria for my promotion and would be receiving the miles within 90 days from then. 

The miles never arrived, and when I followed up with citi support via secure message, they said I was n't eligible for the offer. When the citi XXXX previously confirmed via SM that I would receive the miles, they did NOT mention anything about not being targeted for the promotion. The in-branch representative with whom I applied also assured me and was excited for me to receive the bonus. 

After numerous follow up secure messages and phone calls, after which Citi conducted " investigations '', they still concluded that they would not be giving me the bonus due to my not being targeted. A friend of mine signed up under the same promotion about the same time I did and received their bonus, despite not being " targeted '' either. So it appears Citi is inconsistently honoring their promise. 

I 've enjoyed using this account, but it 's frustrating that Citi wo n't take care of their customers. I feel tricked. I 've been paying $ XXXX for this account, the least they can do is honor the promotion I signed up for.
Sometime XXXX XXXX, I secured a {$1000.00} loan from Mariner Finance in XXXX MD. In addition to the original loan, I also opted to pay for the supplemental insurance ( Unemployment ) should ( unfortunately ) this should occur. Due to unforeseen circumstances, I fell behind on 1 payment which prompted numerous and repeated phone calls to both my cell, home, and work. Each time-especially work, not to contact me here for phone calls are monitored by security. The company refused to adhere to my wishes and continued to repeatedly call my job which placed my employment in jeopardy. On XXXX XXXX, XXXX, I lost my job due to downsize-at least that is what I was told. Shortly thereafter, I submitted a letter to the company alerting them to the change and asked for the necessary claim form. Instead of them providing the necessary claim form for payments, Mariner Finance instead chose to allow the loan to continue to accrual interest which the loan has now near {$3000.00}. Complaints were initially filed with the XXXX and MD Dept of Labor Licensing and Regulation ( DLLR ) and had been removed from the Credit Reports. Upon a recent review of my credit report, the account now re-appears on the report dropping the score by a staggering XXXX points. As a victim of identity theft, I regularly monitor my reports for any and all suspicious activity. I am also XXXX and have been in this unfortunate predicament since XXXX/XXXX/XXXX. Since seeing this information reappear on the report, I have subsequently initiated another complaint with the XXXX which does n't seem to be any resolution in sight. However, by virtue of their own admission, the loan should have been paid off in XXXX. I somewhat tend to agree had they processed my claim form for which they did not. Now, after more than 2 years have passed, they are now requesting that I fill out the claim form for processing. Hence, my question : How can this be properly processed-if at all when the loss occurred in XXXX? Moreover, it is my belief that Mariner Finance is attempting to correct a mistake that simply ca n't be undone and ( purposely ) continuing to access interest on a daily basis in an effort to collect more monies that are owed-if at all due to the supplemental insurance.