WillisBack/dataset-financial-user-claim huggingface dataset:
This compliant is against Midland Funding I have disputed this account that is currently listed on my credit report. I sent correspondences to Midland funding and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with Midland and I have asked them to verify the proof that I owed the debt.
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When I dispute these items with  XXXX ,  XXXX  &   XXXX   the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
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Currently the furnisher Midland Credit is reporting false information for example : The date open reports  XX/XX/XXXX  Date of 1st delinquency  XX/XX/XXXX  Date of the 1st major Reporting XX/XX/XXXX  How can the account 1st delinquency which is  XX/XX/XXXX , occur a year before the account open in  XXXX .
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This information is false, and Midland continues to call me, send me type written correspondences and send information to the credit bureaus.
I currently am delinquent on my mortgage payments and am in the process of going through a modification review. I have provided all documents requested of me by my mortgage company and am waiting for their decision. I also have a foreclosure sale scheduled on XXXX/XXXX/16 and need some assistance getting it postponed. Please help me keep my home, thank you.
I reserved a car on my daughter and so n't behalf through XXXX for pick up at XXXX for XXXX XXXX. My reservation was for an economy XXXX or XXXX door XXXX XXXX or similar. Total cost was {$140.00} plus taxes and fees of {$79.00} ( all inclusive ) for a total cost of {$220.00}. 

My daughter arrived at XXXX on XXXX XXXX around XXXX and was told there was no economy car available but she could be upgraded to the next level auto at NO charge. She asked THREE times for the agent to confirm that she would not be charged any additional fees for the upgrade, extra insurance, etc. She assured her there would be no additional charges of that kind. She reviewed the screen she was presented, which showed the charge of {$220.00}, and signed a signature pad. 

The next day, she stopped at a XXXX in XXXX, IL to exchange the car. There was a problem with the fuel system/engine. It had taken half a tank of gas to drive from XXXX to XXXX, IL ... a distance of about XXXX miles. The car also had the distinct odor of XXXX. She signed an agreement for the exchanged car. 

She arrived promptly on XXXX XXXX to return the car to XXXX at XXXX. It was on time, there was no damage, and the gas tank was full. At drop off, the agent swiped my son 's Citibank MC on a mobile device. ( He is an authorized user on my account ) When they got to the terminal, they reviewed the paperwork and noticed the price difference between the original reservation and what they were charged. They were charged {$230.00} for the rental and {$110.00} in taxes and fees for a total of {$340.00}. 

I called XXXX but was told the upgrade was authorized. IT WAS NOT. It is clear that the screen my daughter was shown did NOT include the upgrade charges -- which again, she was told would be FREE. Either the screen had not been updated prior to her signing or the agent changed the contract after she signed. 

I contacted Citibank to dispute the price difference of {$120.00}. Citibank received a copy of the contract from that rental. The contract was unsigned. I asked for a copy of the charge slip my son signed, authorizing the charge, but Citibank refuses to produce it. 

Citibank states that the unsigned contract sent to them by XXXX is proof enough of authorization. I maintain it is not and want my account credited the overcharged amount of {$120.00}.
Portfolio Recovery assoc. LLC calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, XXXX, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.
I have discovered the enclosed Assignment of Mortgage executed and recorded/filed on XXXX XXXX, XXXX on this loan was robo-signed. 

No Assignment of Mortgage in this action exists that shows how and when the Federal Deposit Insurance Corporation ( FDIC ) became the Assignor/Old Lender on the subject loan and how it 's still acting on XXXX XXXX, XXXX as the receiver for Washington Mutual Bank, XXXX, which has been publicly out of business since XXXX XXXX, XXXX.
I am getting charges for walmart credit that I payed off last year. I XXXX XXXX have not made or authorized any charges to that account since and it is now affecting my credit badly.
XXXX XXXX billed me for a policy I did not authorize. I received a bill from the company and knowing I did not request or authorize new policy, I did not pay it. Now it is in collections.I wrote XXXX XXXX for a copy proof of authorization, and they replied that they have it, but failed to show or give me a copy.
Capital One Bank has been charging {$35.00} NSF fees excessively even after we requested they deny payments. We have spoken numerous times with account managers and supervisors in trying to resolve the issue and stop these charges from occurring. Their business practice is unethical and they manipulate the transactions in order to allow the account to go negative and incur further charges through the month. The conversations I have had with account managers have led to many changes in the account, all to the benefit of the bank and further charges to the account. The total number of {$35.00} fees to date has been almost {$2000.00} as you can see in the statement and Capital One " account specialists '' continue to create an unfair advantage over our very small business causing further fees.
Nation star has increased my escrow by {$60.00} so I will have excess in my escrow account. I refused to pay over my payment amount. I have made all my payments on time since I 've had this loan. This loan is a modification due to the fact I am XXXX. According to their paper work they sent me. I am paying the proper amount of escrow. {$140.00} that covers the amount of tax and ins. XXXX. I received a phone call from Nation Star not a notice. That they have suspended my account and if I did not make the payment it could result in forcloser. I do n't understand how they can force me to pay over my escrow amount that I do not owe. Then foreclose on my home because I will not. I am XXXX and I am on a fixed income. From reading the comments about these practices it looks like this organization looks for people like me. From what I understand this practise is used to let the individual not make XXXX payments then start forecloser procedings. The person owing the money does not have the funds to pay the jacked up charges so Nationstar forcloses on the home. They are looking for homes with equity that they can turn over. I hope this is not true. I still want to believe businesses are honest. Thank you for your time.
I was sent an exclusively yours reward card with the dollars that I had earned through various gifts ( which I paid taxes on ). I received the card late in  XXXX   XXXX . I was unaware that the card was set to expire in  XXXX  of  XXXX , the only reason that I realized this was because the card was declined when trying to make a purchase on  XXXX   XXXX ,  XXXX . I tried to call the company responsible for the card ( exclusively yours ) and they are stating that " they can not help me, the money is gone once the card expires ''. I am having a hard time with this, especially since I paid payroll taxes on that money and was unaware of this arbitrary expiration date. The card number for this account is  XXXX   XXXX   XXXX   XXXX , security code  XXXX . Any help that you could provide me with this matter would be appreciated.     Thanks,  XXXX
XXXX XXXX / XXXX XXXX Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this report.
there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again
We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. Transunion says they deleted the item but XXXX refuses to remove it and that is affecting our XXXX and Equifax report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
I have been trying to apply for a modification for over a year with Wells Fargo. It has been a very stressful process due to the infinite excuses on why my loan does " not qualify '' for a " XXXX '' modification or any government modifications through my investor, XXXX, participates in all of them. I was approved for the " My City '' modification a few times but the payments were only {$200.00} less from my original mortgage payment, plus I was not granted any principle forgiveness so, I had to appeal. In XX/XX/XXXX, I spoke directly with XXXX due to Wells Fargo slamming me with " sale dates '' and denying my loan over and over again. Through XXXX, my application was reopened so I was able to reapply in XX/XX/XXXX. I asked to be reviewed for ALL government modifications that my investor participates in and again, they denied me due " not having enough income ''. How is it my income was never an issue when I was approved for the " XXXX '' modification? I was told that if there was a change in my income, then I could reapply. I appealed their denial, submitted proof of extra income that I receive through rent, but Wells Fargo denied my appeal as well. I tried applying again with the change of income, but I was told that no matter how many applications I submit, I will no longer be reviewed for any modification, not even an " in house '' because " I applied too many times ''. I was told in the past that I can apply as many times that I needed to as long as it was before the deadline, XX/XX/XXXX. To add more to my distress, I was given a sale date for XX/XX/XXXX! I am so frustrated with Wells Fargo. I feel as if they just do not want to work with me. My wife had an accident at her job which caused us to fall behind because with both of our incomes we were set and on time with all our bills. We have XXXX daughters we provide for as well. I did not fall behind due to poor money management! My wife is receiving XXXX due to her accident but it is not even half of what her monthly income was. I thought Wells Fargo would understand that these type of situations are not foreseen. My wife suffers XXXX and is constantly crying and blaming herself for our mortgage trouble. How am I supposed to explain to her that our home is going to sell XX/XX/XXXX? I was not planning on packing my things during the holidays. I was hoping Wells Fargo would provide me with an affordable work out option. I am so overwhelmed. PLEASE HELP ME!
Purchased XXXX bras and opened a macy 's card. I paid this the following month. Next thing I know I owe {$64.00} more in fees. More than my original purchase!!!! I paid the fees, closed the account and will never, ever, ever do business with Macy 's again. 

DO NOT OPEN a MACY 's CREDIT CARD.
I had fraudulent activity on my checking account that lead to the need for XXXX overdrafts from my credit card. When I spoke to the bank and filed claims for the fraudulent charges I was told that I would receive credits for the charges. I received credit for one of the charges but not the other. The charges were for {$20.00} each. I have spoken with Wells Fargo multiple times and spent hours on the phone to get this resolved and have been transferred from one department to another and have ultimately been told that they ca n't give me the second credit. This has caused me much aggravation. I have been a customer of Wells Fargo for XXXX years and this is the kind of customer service I receive!
Capital One denied charges incorrectly stating they were fraudulent. 
Upon first request for information, they advised that a previous charge was potentially fraudulent because they did not receive XXXX ( which is odd, because the charge was swiped and approved ). Then they advised that the charge in question was out of pattern ( which is also odd, because they 've approved transactions at the merchant before ). 
Finally, they decided to cancel my account and could do nothing to assist in continuing the relationship because it was a secured account. This seems in complete violation of good faith negotiation and federal law and would not guarantee any kind of resolution or response to my complaint. Therefore, I felt compelled to file it with the CFPB.
XXXX of the XXXX credit reporting agencies would not give me my free credit report online. They said there was a error or mismatch with my information and that I would have to submit my request through mail for them to determine the issue and get my credit report from them. Both XXXX and XXXX did this when I tried to get my reports for free, but when I tried to pay for them on their websites, low and behold they were able to match and confirm my identity to give me my reports. This appears to be deliberate way to charge customers to get their reports by not providing them to them for free and making it labor intensive to get them ( through email and possible long wait time ).
I have requested the removal of a Chapter XXXX Bankruptcy on my credit report. The credit bureau indicates that the information was verified and validated. I asked for proof of the information. Proof was not provided and was only advised that it was provided by XXXX XXXX. I disputed the validity of the information after contacting XXXX XXXX and was informed that information was NOT provided to credit bureau. I again requested credit bureau to delete information and have not received response and it has been excess of 60 days.
I am a XXXX veteran who recently sold my home and am building a home contingent on my credit. The below mistake is severely impacting my ability to qualify for this home. 

I am attaching the most recent report from Credit report provided by my Lender.. 


As requested I am submitting a written request identifying the error and a copy of the Credit Bureau Report with AmeriHome Mortgage Company showing we have 30+ days late payment however this loan has been PAID IN FULL XX/XX/2018 and due to a delayed closing its showing we missed payment of {$1800.00} ( give or take a few cents ) As mentioned in the below email originally sent XX/XX/2018 to AmeriHome Mortgage and multiple times after. I had explained in detail that our home closing was delayed causing it to appear as a late payment but the mortgage was paid IN FULL XX/XX/2018. 

Once I saw this on my credit report I immediately called asking how this could be corrected. I was told to email them which I did multiple times. I also called to follow up and told the same thing. I continued to forward on the request for adjuatment. I never received a response as of XX/XX/2018 so I called and was told this was denied and I would need to call the Credit Bureau myself in which I did. Now I am reaching out to resolve this. 
I have made several calls and e-mail attempts to resolve this via CFPB. 

I have not missed ANY payments, or paid late at anytime in the 2+ years we have been had our mortgage. 
I want you to know that I fully understand my financial obligations, and if it werent for us having a delay on the closing date of our home and the pay off being delayed this wouldnt have happened. 

I understand this was a mistake due to unexpected delay on closing but since then WITHIN days the loan was been paid in full. Our history has shown in more than 2 years a record of on-time payments. 

We are in the middle of qualifying for VA Loan for new mortgage, and its come to my attention that the delayed payment on my credit report record has severely hurt my ability to qualify. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I have recently paid off all of my debt and it would help me immensely if this could be fixed and adjusted to remove the late payment. 

XXXX XXXX XXXX
I have a CITI account on our report which just popped up while we pulled a credit report XX/XX/2016 in the process of application for a home loan. 
I had no clue of what this account was and the credit score was in 720-740 before that and because this account has suddenly popped up and the score is 619 and we were denied a home loan. 
I call up CITI and clarified and then were given to understand that this was an account with XXXX and Costco and that got transferred to CITI. We had not communication or mailers from all these parties involved in this dispute. We had closed the Costco account and paid of all balances with XXXX as on XX/XX/2016. 
When requested more info with CITI they said that I had a balance of {$340.00} which was brought forward from XXXX to CITI in XX/XX/2016. Now after 6 months they have added late fees and interest charges and made it to {$510.00} outstanding balance with CITI. 
I have had no intimation on these corporate mergers and all that and nobody from CITI had ever communicated about this outstanding balance in the last six months. Now when we pulled the credit that 's when we go to understand that we will not be able to get a loan because of this CITI account which was showing delinquent. 
I am willing to pay of anything I owe as outstanding from XXXX if there were any, so I request CITI for the statements as to where and how this balance got carried forward and CITI customer service reps were so hasty and gave a rude reply that they can not give me that data and that it is my problem to deal with it. 
I want to dispute this issue and have it cleared ASAP so I can get going with my home loan and my EMD ( Earnest Money Deposit ) of {$3000.00} will be lost if I do n't get the loan in 30 days. 
XXXX and CITI are not really worried about customers at all and finally the customer has to go through the irony of life with bad credit for no reason. 
Please address this dispute as soon as possible and I look forward to a favorable reply.
I was called several times by Debt Management Inc, they were claiming to be a debt collector and wanted me to verify my full social security over the phone. I chose not to do so as I 've had my identity stolen in the past. They claimed to have sent letters, which I never received. They also continued to call me in a harassing manner ( XXXX calls a day ), after I asked them to communicate through written correspondence. XXXX day, I received a voicemail, stating that they were going to file suit, had retained attorneys, and that I had XXXX hours to call them " or else. '' I notified the agent that I was recording the call, he said that it was unlikely that I was doing so, he also asked if I liked not paying my debts and asked if I wanted to go to jail. He hung up, called me back and continued to refuse to email me any sort of verification until I told him that unless I received an email of the debt ( ie : receipt ), that I would n't pay. Without my prompting, he said the last XXXX of my social security, current address, previous address, my full name, and other sensitive information without verifying who I was. After I verified the bill of {$60.00}, I asked to talk to his supervisor. His supervisor got on the phone, started to incoherently scream at me, and when I let him know that I 'd like to record the call, he started screaming that he could have me sued and arrest me if I was recording him. He also said that he could record me but I was n't allowed to record him. Not only was my personal information given over the phone, I was threatened XXXX to be arrested, but I was harassed. As somebody who pays all of my bills and with a flawless credit history, this was a scary and upsetting experience. The health clinic also stated that despite paying, they 've reported me as " refusing to pay. ''
Lender : Wells Fargo Home Mortgage Lender 's inappropriate actions prevented me from obtaining a HAMP loan modification ( XXXX ) Lender immediately sold my loan into an XXXX - ( XXXX ) Lender refused to comply with my qualified written request letter for a copy of the prospectus to the trust that supposedly holds my mortgage The loan may not lawfully be in the trust, legal requirements may not have been followed. The prospectus would be used to make that determination. 
Lender deliberately confuses and misleads claiming " permanent '' but " temporary '' loan modification. 
The permanent modification pertained to the 2nd mortgage, not to the first mortgage. Letter dated XXXX XXXX, XXXX from lender documented the home equity account ( 2nd mortgage ) permanently modified. 
I was a target of lender 's predatory lending as it relates to XXXX and XXXX customers ( ref : XXXX DOJ lawsuit and settlement ) Lender continues to show a claim for {$85.00} on monthly statement for inspection fee despite having settled a lawsuit pertaining to these fees ( ref : XXXX XXXX postcard notification ) Lender applied unpaid " interest '' dollars to the principal loan amount I filed a complaint against lender with the OCC and with the Federal Reserve Consumer Office My hardship circumstances remain ; I wish to receive the HAMP-like mortgage assistance for which I qualify WITHOUT having to deal with lender 's game-playing, so that I can remain in my home. I paid into the system throughout my 44 consecutive years in the workplace and view this as my retirement home. 
I have been making the required monthly interest-only payments, mailing each payment by certified mail in order to have documented evidence of delivery to lender I was named as a plaintiff in the amended complaint for XXXX Wells Fargo. However, I saw at their website that the FTC felt the lawsuit was a scam. I have detailed documentation of my contact with XXXX XXXX. I would like to be refunded the monies I paid to XXXX XXXX.
I have had a checking and savings account with them for almost 6 months now and was told that i would not be charged a monthly fee for either accounts. I filed a complaint last month because when I made my normal employee check deposit for the same amount every month, they gave me a receipt saying that the funds would be available the next day but then changed it to 4 days later afterwards. They are now charging me $ XXXX   monthly service fee which is not what i have been charged nor was I told at the opening of my account.
I have been contacted by mail from XXXX. representing National Collegiate Student Loan Trust. This os the same company that tried to collect from us back in XX/XX/XXXX At that time the company was also known as XXXX XXXX XXXX at law. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. To the best of my knowledge I nor my husband XXXX owe anything to XXXX.