WillisBack/dataset-financial-user-claim huggingface dataset:
I wish to pay down on my mortgage so that I can get below the 80 % to remove pmi insurance and _escrow. Before I am allowed to do this I have to pay {$500.00} and have the home revalued. I told them all I want to do is pay them {$30000.00} and their response was that without the assessment the pmi and escrow charges will not be removed, and it will cost me {$500.00}
I ATTENDED XXXX XXXX XXXX FOR A WHILE THEN COULD NOT CONTINUE DUE TO HEALTH REASONS. THEY ARE TRYING TO COLLECT ON SERVICES NEVER RECIVED
I have 6 loans on my credit report reported that arent accurate. Two loans open in XX/XX/XXXX, I have no knowledge of. One loan I paid off in XXXX isnt even showing on my credit report. 

I called my loan servicing to get help with correcting my credit report and after 30 minutes of specking with an uneducated rep, I was advised to mail the report in for review. I am requesting to have my lone servicer changed.
Bank of America has been notified that I will be late on this months mortgage payment. They cal XXXX six times in a day, never leave a message. When I answered today I was informed that my account will be notated but the collection calls will continue until payment is received.
I have been summoned to small claims court over a debt for a doctor bill. I had been paying on the debt the best I could and it was turned over to a collection agency. The collection agency has sent me XXXX letters and I have received no phone calls. The amount of money that they say that I owe is more than the agreed amount that I had arranged with the doctor. In the XXXX bill they sent me was in XX/XX/XXXX and the doctor bill was inflated by about 300 dollars and there was a hospital bill that did not belong to me from 2004. The next bill I received was just for the doctor bill ( still inflated ) and there was a threatening note above the statement that stated : We have tried to contact several times and you ignored us, so unless you respond we are going to have to file suite . So, I responded. They did not like my response so they served me papers. I had offered to pay the amount that I owe but they would not except that offer.
XX/XX/2017 - I receive an alert from XXXX XXXX about this collection showing up on my credit report. I do not owe nor have I taken a loan out with XXXX XXXX XXXX XXXX of which Midwest Recovery Systems is trying to collect on. There has been no letters of any debt collection from XXXX XXXX XXXX. There is also no data in the fields on my credit report reflecting anything other than a balance owned and with an unknown open date. Review on the internet shows an increase in XXXX XXXX users receiving a collections account being posted from Midwest Recovery Systems for debts that are not theirs. XXXX XXXX XXXX XXXX would be violating the Indiana Code for Payday loans based on the amount they are claming is due. 

Citation : Ind. Code 24-4-4.5-7-101 et seq.
On XX/XX/XXXX the XXXX County Clerk recorded a tax lien by the CA Franchise Tax Board, Ref : XXXX. We were not aware of the lien as our taxes were being handled by a 3rd Party. 
On XX/XX/XXXX, the County Clerk filed a Release of Lien, Ref : XXXX. 
On XX/XX/XXXX, after we challenged the lien with the Tax Board, the County Clerk recorded a " Lien Recorded in Error '', Ref : XXXX. This recording recognized that the Tax Board had acknowledged that the lien had been recorded in error. 
XXXX and XXXX removed the lien record from our credit report, without our having to request it. Equifax did not. 
Beginning on XX/XX/XXXX, we submitted, on XXXX occasions, requests for the removal of the record of the tax lien. Three times XXXX reported that they had investigated the matter and concluded that they were correct in continuing to show the record of the tax lien, subsequently released. We submitted certified copies of the recorder 's filings, clearly cross-referencing each of the XXXX documents to the " Document No '' referenced on the first filing. 
Equifax claimed that the release in error did not relate to the lien filing document.
On XX/XX/2018 I received a pre-paid XXXX card for {$50.00} as part promotional discount on a set of tires. On XX/XX/2018 I attempted to use this card at store and when I scanned the card it was taken for the full amount of {$74.00} instead of just the {$50.00}. I informed the cashier that the card was only good for the {$50.00} and she voided the transaction. I then paid for the items using my personal debit card. After returning home from the store I called the number on the back of the card and activated the card again believing that I may not have activated it in the first place. XXXX activated the card again and when I attempted to use it again it was declined. I looked on XXXX 's website and found that the original transaction of {$74.00} was processed and I owed a balance of {$24.00}. I have not spent the original {$50.00} and I want my money.
Collector keeps calling at my place of employment. It is a recorded call, so if anyone else answers the call them they may be able to access my information. I asked collector to not call my at work, as I am not allowed to have personal calls on a business line.
On XX/XX/2018 I traded my XXXX XXXX for a XXXX   ally banked reported the payment 30 days late. With the payout being processed and I received a check for over payment
Im being over charged and could be homeless cause I cant pay my bills that I always pay with my income taxes my property taxes on my house but I cant do that without my money which most of it was earned income for mychildren
Loan for  XXXX  made on  XXXX / XXXX /  XXXX  , Im strangling making payments for this loan due to health problems. I contact the company but there said that is nothing they can do, so I call a not-profit organization and they mention that in California is illegal that the charge so much in interested 737.7301 % and that his company is been sue for this sent reason, I was recommended to do a complaint. I can keep paying and I need help.
XX/XX/17 - I applied for an American Express Blue Cash Everyday Card. <P/>XX/XX/17 - I received a denial letter from American Express Blue Cash Everyday Card. They stated American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I informed American Express that I dont remember previously having an account with them and asked they send me a copy of the account ( s ) including : Name of account ( s ), Account  numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - I received a second letter again stating American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I again asked them to submit me proof that I ever had an American Express account by sending me : Name of the account ( s ), Account numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - Again they ignored my second request for proof from a previous American Express Account and stated they would request Experian to suppress the inquiry from my credit report.
We applied for a loan modification due to financial hardship/job loss for first and second mortgage from Citi. We got approved for the modification. Continuing to receive paperwork on almost a daily basis, we did n't want to mess up the modification and had paperwork demanding past due on the main mortgage we were able to send in a payment but it was n't part of the modification payment, our original loan specialist advised us to ignore that and stick to the modification to not jeopardize the trial period. Because of this, we were led to believe we should not pay on the second loan while in this period. We followed what was required on the main loan and when we asked about the second, we were told to wait. The homeowner support specialist we had been working with was abruptly changed during this time, so we did wait until Citi told us they sold the second loan to a collection agency. When we tried to call Citi and set the payments up we were told that there was nothing they could do, Citi would not service the second loan and that it would be treated like an unsecured loan, not a second mortgage so we were not in danger of foreclosure. Now we are getting notices demanding payment in full and occasionally offers to pay half of it to satisfy the debt.
XXXX {$680.00}, {$510.00}, {$1000.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I am a Rushcard user who can not access my account. I previously had XXXX dollars in my account before my direct deposit got transferred into my account and my balance remains at XXXX. When I call the number I get put on hold for more than an hour each time then someone gets on the line and tells me they can not tell me anything about my Account. At this moment my car is at risk of being repossessed because o was not able to pay my monthly car note.
I set up auto pay through my XXXX credit cards website. The only option I could find was " pay in full ''. After several minute of looking around the site I selected the only option available to me. Then several days later I noticed that my entire balance was taken out of my checking account, when I only wanted the minimum, which is what I thought I clicked. Pay in full amount of XXXX dollars that is due, and so forth. They were kind enough in reversing this and putting the money back into my checking account. However, when I went back into my online account to pay what would have been due, it said that no minimum payment was due. I then signed up for auto-pay on XXXX/XXXX/XXXX approximately, and this time the select minimum payment option was somehow very easy to find. Yesterday on XXXX/XXXX/XXXX I noticed a derogatory mark on my credit report that I no longer have a 100 % payment history. I then noticed auto pay was set up for next month, so I paid XXXX dollars to my card right away. I have XXXX late payment on my report for the month of XXXX XXXX. I called XXXX to complain and hopefully remedy the situation, but they said since it was n't a mistake on their end that there is nothing they can do.
Meridian # XXXX & Meridian # XXXX are time share association dues. The Time share is my ex husband 's ( XXXX XXXX XXXX XXXX ) and I have signed over my shares/rights to him. This should not be on my credit bureau for association dues that I am not responsibility for. I have made several attempts to contact Meridian and XXXX in an effort to resolve but they are not willing to cooperate but only get the run around.
disputed incorrect reporting of XXXX XXXX ( acct # XXXX ). account is only showing history to XX/XX/XXXX account has been owned by XXXX at the earliest date of XXXX XXXX. I obtained an emergency loan from pa home finance agency, in XXXX XXXX, for over XXXX dollars. XXXX corrected my credit report at that point in time to reflect as paid never late. after XX/XX/XXXX, account became deliquent. forclosure proceedings were commenced, and i decided on a short sale, which ended in XXXX, XXXX account was scheduled for sheriffs sale on more than one occasion but postponed on more than one occasion. afterwards, i requested a copy of my billing statements, due to the fact my payment ( s ) due, were incorrect. XXXX did not comply, and left the mistake on report as-is. also, i requested from XXXX, an itimized billing history for the life of the account. i received, instead, a spreadsheet of payments. this raised new questions, as i received a loan, from the commonwealth of pennsylvania, and the account was overpaid dramitacially. XXXX has failed on numerous occasions to provide me with requested documentation. i have brought this matter to experian 's attention on more than one occasion, over the past couple of years. i receive the response from experian the matter is frivilious. i recently brought the matter in regards to experian, to your attention. I received an email the issue was " updated '' in a matter of a couple of days after my complaint to you in regards to this matter. i am perplexed to the speedy manner of experians inquiry to XXXX. according to prior and the current experian reports, i have noticed " no change '' to my experian report. the forclosure proceedings, as well as the payment due, and the payment history, are all inaccurate. i have previously contacted both XXXX and experian in regards to this matter. both appear to " excuse away '' this serious matter
CoreLogic XXXX XXXX XXXX a.k.a. XXXX, are providing false inaccurate information about my rental history on my consumer report. 
I provided them with proof from The XXXX County Courthouse of NJ and my current landlord of 8yrs, that i have never been evicted or had any judgements against me. 
However, CoreLogic refuses to remove the negative information, and their representative was refusing to allow me to dispute false information on XX/XX/XXXX2017 at XXXX EST.
Eastern Revenue is continuously calling me to collect on a debt that is already being paid to the collector through XXXX XXXX XXXX, XXXX XXXX, XXXX ext. XXXX. The debt has been paid six consecutive months with a payment plan in place on a monthly basis. I have proof of said payments via canceled checks front and back and XXXX XXXX College has been receiving their money. I have contacted XXXX and spoke to XXXX XXXX XXXX, bursars office, whom has confirmed receipt of the payments and that XXXX has not had any communication with or does not know whom Eastern Revenue is. Eastern Revenue has not sent me any written documentation with regard to the debt and I continue to receive calls from XXXX XXXX XXXX. Eastern Revenue has now put this information on my credit report and has tainted what I have been working so hard to maintain in good standing. I have contacted Eastern Revenue and all I get is that I need to make payments over the phone in order to take care of a debt which is already being taken care of.
From the start of the process XX/XX/XXXX, critical errors were made by both parties, people make mistakes. However, more recent events leading up to this complaint, and unanswered questions ; have me very concerned : The Closing Disclosure I received yesterday is missing information on the CHANGED CIRCUMSTANCE DETAIL : Date of Change : // - has Empty date?? 
Explanation of Change : - is missing an explanation! Really! 
( Do n't Lawyers do this part? Is there some loophole being exploited? ) At this point, I do n't trust the lender, and fear any mortgage payments would get botched as well. Now I have ran out of time since the closing has to occur by XX/XX/XXXX, and per the lender, not enough time to use my own Lawyer for Title. Today I hear rates are going up again soon, and the cost for me to refinance now, has gone up nearly {$40000.00}, over the term of the loan. 
I find it hard to believe that this was in the spirit of TRID, RESPA, TILA, or VA program requirements. These are all new terms to me, as of this last weekend. 
Since XX/XX/XXXX, many of my requests, questions, and concerns relating to document accuracy ; were played down and repeatedly ignored, most questions went unanswered. I made grave errors as well, not paying attention to detail, needed to insist on the corrections that I wanted. 
I gave them a copy of my Certificate of Eligibility ( COE ), XX/XX/XXXX. They had my VA Appraisal XX/XX/XXXX, around the time I was duped into signing the Loan Estimate. None of the updated information had ever been put into a revised XXXX XXXX like I had asked repeatedly. I have to wonder, are these poor people just stressed out and overworked? 
My rate lock had expired XX/XX/XXXX and I was led to believe everything would get corrected. Well into XX/XX/XXXX, they insisted I needed my XXXX, even after I had information confirming the COE was all I needed. I gave them the number, and followed up numerous times, did the UW ever call? ( XXXX ) I will become an expert before I ever try this again.
I believe Fifth Third Bank if overcharging me I can never get a straight answer from them. 
They charge me charges on top of charges They promise I am current, Then the next moth send me bills with fees and other charges.
I saw a commercial on tv with XXXX XXXX for cash advance. I applied for cash advance back in XXXX 2016, on the website and was transferred to lendgreen and they gave me {$800.00} that would be deposited into my account. They charged me a fee that I would pay back the amount of money I borrowed every two weeks, out of my check, I work for XXXX Florida, and that should be it. BUT, they have continuously been taking out money from my account after I have already paid back the amount of money used back in XXXX. They said they charge 700 % interest and I am stuck with it. That is NOT RIGHT, THAT IS CALLED PREDATORY LENDING AND IT NEEDS TO STOP. I was in a time of duress at the time I requested the money, to help pay my car note, auto insurance, and electric bill. I have already paid back the money, and I have notified them about disputing any further unauthorized charges, which is called FRAUD. This is unacceptable to XXXX people in their time of need, and extort money from my account. They need to be punished for what they have done to me, and others. Thank you.
I was a Wells Fargo customer for over 10 years, they were the first account I opened as a young adult. As a young adult I never had much money, in 2010 I was on the phone with them at least once a month, they would rearrange the order of my withdrawls on my account and charge me {$35.00} for XXXX small charges instead of XXXX late fee for the check. I would call them in tears and they would say " well you new that money was coming out, why would you spend it '' ... This happened several times over the next couple years. I never fought it, I was young and living from paycheck to paycheck, pretty irresponsible with my money, i thought i kind of deserved it. So now I hear all that they are up to and I would like to get some kind notice as to what is being done for there customers they took money from? I finally closed my account with them this year because they started chrarging me for moving money from checking to savings, I was so sick all of their XXXX fees and never thought I would get anywhere with them anyway. The victimize low income, young, foreign, I have had many many friends who have had this same thing happen to them!
Navient has made it very hard to stay on track with my student loans. They raise interest rates on them the more I pay. They have capitialized interest on me while ive been in school. They have never let me release my co signor. They said it was n't possible. At this rate I wil be paying $ XXXX a month for 30 years. My original balance of {$35000.00} went up to {$54000.00} in 6 years just due to the interest.
my wife applied for an XXXX credit card that had a sing up bonus of XXXX points after spending {$1000.00}. We spent the {$1000.00} and did not receive the bonus. I called XXXX and they said my wife had received the bonus 2 years ago and could not receive it again. My wife applied for this card for the bonus and XXXX should have denied the application if they could not honor the bonus advertised..
Municipal Collections of America is attempting to collect citations from 2011 based on a photograph picture of a license plate. It was a car that I was not driving at the time nor have I ever driven in XXXX XXXX, IA. I could take pictures of peoples plates and send them debt collections letters so maybe this is a scam. either way they were only able to give me the make and model of a car I used to lease and an address that I haven't lived at in 6 years.
Ocwen ( mortgage company ) - They neglected to pay the property tax that was escrowed which made me get a foreclosure notice from the City of XXXX for not paying property tax. The property tax was 2 separate times for around {$70.00}. Since Ocwen didn't make the payment the fine including property tax made the total come to {$630.00}. So I paid the {$630.00}. I then told Ocwen that I had to pay the amount. Ocwen then decided to paid an additional {$630.00} after Ocwen knew I made the payment. City of XXXX decided to send the {$630.00} that I paid to City of XXXX to Ocwen ( mortgage ). I told Ocwen they needed to return to me the {$630.00} and also since they caused the late fees that Ocwen should pay for it. They have refused to give me the money that I paid to City of XXXX. I never sent the {$630.00} to Ocwen. Ocwen refuses to refund the fees and penalities that they have cause me. I did not allow them to keep the {$630.00}. The payment was made to City of XXXX. Please get me back the {$630.00} that Ocwen stole from and also have them pay the late fees and penalities that were forced on me. The dates that I submitted the payment was in XX/XX/2018 and have repeatedly called them.
On XX/XX/XXXX I filed a dispute # XXXX with Equifax concerning account # XXXX XXXX. This was an account that was included in bankruptcy ChapterXXXX XX/XX/XXXX. Equifax investigated and corrected wrong information that was being reported of missed and late payments during the bankruptcy Chapter XXXX. XX/XX/XXXX filed another dispute with same problem with XXXX dispute # XXXX and again XXXX dispute # XXXX and now again there is information on this same account that has dropped my credit score from XXXX to XXXX. It is now XXXX points down. I am not having this problem with any other agency. Only Equifax. I have submitted another dispute but my dispute will only work monthly as this information keeps finding its way back to this report. There is nothing NEW on my credit report that would cause a XXXX point drop in my credit score other than this issue. I am on top of this since our bankruptcy and have been working hard to repair our credit. Chapter XXXX was filed in order to pay our creditors back. I am not understanding why this agency on monthly basis has incorrect information that I have to continue to dispute in order to have an accurate credit score. My new dispute is XX/XX/XXXX # XXXX. If this information turns out to be accurate based on all the wrong information they have been receiving or reporting I feel the XXXX point drop needs to be re-evaluated. There are no other changes that would have caused this Thank You
I authorized my bank to pay {$440.00} to Western Union XXXX WU XXXX on XX/XX/XXXX. WU received the money from my bank on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX from XXXX to WU for {$440.00} ). 
WU cancelled the transaction on the same day and promised to return my money. Today, 7 days later XXXX! ), after daily phone calls, emails, and chats, they are not willing to comply with such basic rule of any banking ( or for that matter business XXXX institution. If WU had any issue they should have contacted me before cancelling ( they did n't even try ) and, in any case, NOT TO TAKE MY MONEY because they were not going to comply with WU 's side. Now that they have it, WU MUST RETURN it with the same celerity that I paid them. Additionally WU should pay for the damages caused by WU 's poor business behavior.