WillisBack/dataset-financial-user-claim huggingface dataset:
Im a senior citizen and have a mortgage for over 28 years and have not had a problem until Guaranteed Rate took over my mortgage. 

Guaranteed Rate is the mortgage provider for my building : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX The building is a three flat. Two of the units are rented and my apartment is a vacation rental unit. 

Since I have another residence in XXXX and travel, I do not spend much of my time at my primary residence. I asked Guaranteed Rate to send all non-secure policy information via email so I have current information on my mortgage. 

Guaranteed Rate has a convoluted and confusing policy to request email communication. 

I submitted a written email request form. After three to four weeks Guaranteed Rate response was their policy does not allow any type of email communication. 

To add to the confusion, I pay my Guaranteed Rate mortgage through a third-party XXXX XXXX XXXX XXXX . 


My XXXX XXXX XXXX online account is Your Mortgage Online, XXXX XXXX XXXX is a Guaranteed Rate website. 


Your Mortgage Online has limited information and errors in the Loan Payment Activity webpage, XXXX XXXX XXXX. 

Guaranteed Rate does not use their Secure Message Center, XXXX XXXX XXXX to communicate important policy information. 

A problem occurred with my property tax increase. Guaranteed Rate mailed that the escrow amount in my monthly payment would increase due to the tax increase. 

Since I wasnt at my primary residence I did get notification of the price increase. 

Guaranteed Rate again refused my request to notify me by email. They also refused to appoint a single-point of contact to resolve outstanding issues. 

Although Guaranteed Rate will not communicate to customer via email, they use email for information to refinance my mortgage with Guaranteed Rate. 

Also, in non-compliance with their email policy, I received an email today from Guaranteed Rate that they are transferring my mortgage account to XXXX XXXX XXXX. 

Guaranteed Rate policy makes it impossible for me to effectively manage my mortgage account and could lead to negative credit rating. In prohibiting email correspondence, Guaranteed Rate compels telephone conversations eliminates email documentation of the complaint process.
Professional Adjustment Corp. Of XXXX. FL., IncXXXX are the worst company ever, underhanded and not at all repeatable! 
I made arrangement to pay them on the XX/XX/XXXX and there were sent a copy of the check dated for XX/XX/XXXX. They immediately create a draft check on XX/XX/XXXX and took funds prior to they were available.This caused an insufficiency in our Bank account and this is FRAUD. I want to make sure that this never happens to anyone else. I will find ever place to post this experience with Professional Adjustment Corp. Of XXXX. FL., Inc.. Both posting on the internet and to the BBB. I am totally discussed with the creditability of Professional Adjustment Corp. Of XXXX. FL., Inc..
Unauthorized credit inquiry still not removed after the creditor and my self have requested the inquiry be removed. Have even sent them proof.
Was contacted by Dynamic Recovery for a debt they asked if I had the original creditor and I said I do not believe so, they said that is not the same as not having it, then they stated that they have information where I pay for XXXX cars at a rate of {$1000.00} each and I pay for XXXX credit cards. This information is not only grossly false but is an invasion of my privacy and is not a matter of public record and is not part of the debt they are claiming is associated to me and has not bearing on my financial status and this is all before they provided proof of the debt. They were argumentative and did not want to take my request for a dispute.
This company contacted me in XXXX @ XXXX. The gentleman that contacted me identified himself as XXXX XXXX. He said this was a business matter and began harassing me to tell him my personal information. He told me that he needed my date of birth and my address. I said to him that I had no idea who he was or why he was calling and I was NOT going to give him my personal information because I did n't know who he was or why he was calling. 

He never XXXX time identified himself as a collection agency, he refused to tell me what company he was working with, he just kept pushing me to give him my personal information. And told me he would n't tell me who he was and why he was calling unless I gave him my personal information. 

I called the company back to speak with a supervisor, and the operator hung up on me each time I called back, XXXX times in a row. The XXXX time I called back the transferred me back to XXXX XXXX who again only wanted to take my personal information.
I had my ties severed with my local Santander Bank in XXXX recently in XX/XX/XXXX and had my checking account closed after an incident ( I have received checks of a fraudulent nature which was n't particularly my fault ) and I was given a warning to my bank.However, I 'm still forced to pay Santander 's Line of Credit Overdraft Protection Service which I find to be unfair if I 'm no longer tied to the ban and have to pay back {$3000.00} I felt like I got XXXX to pay off a massive bill and I kept getting harassing phone calls from Santander after missing a payment and being called 5 consecutive times. I shouldnt be forced to pay a bill and get attacked with interest rates I was deceived by my bank that I could cancel the service but then I was told Have to pay the full amount back and I 'm struggling to find employment to pay this off.
After sending information to verify myself with my disputes, XXXX, Experian, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am still enrolled in school and after every semester, I begin to receive calls about paying my loans and letters. Even though I am still in school they never seem to have an updated system showing I'm enrolled
OnXX/XX/18I was charged with two nsf from citizen bank and I only see one. Also why are they allowed to charge me multiple nsf for the same day?
XXXX/2017 Credit Service Company , Inc. 
XXXX XXXX XXXX XXXX XXXX, CO XXXX Re : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Outstanding : {$350.00} Dear Sir/Madam : On XXXX/2017, I received a letter from you attempting to collect on the above referenced debt. 

On XXXX2017, all debts prior to XXXX/17 to XXXX XXXX XXXX XXXX were included in Chapter XXXX bankruptcy, case number XXXX, in U.S. Bankruptcy Court for the District of Colorado. 

I trust that you will update your records to show that this debt has been included in bankruptcy. I also trust you will notify all credit bureaus that this debt was included in bankruptcy, if applicable. 

Enclosed are a copy of my Notice of Bankruptcy Filing and 341 Meeting Notification. For further information, including the accounts listed in my creditor matrix/schedule of creditors please contact the court directly or view in PACER. 

As you know, any attempt to collect on a debt that is under automatic stay is in violation of both the Fair Debt Collection Practices Act and Bankruptcy Protection Law. 

Case number XXXX was discharged on XXXX/17 :  The discharge injunction is permanent, survives the bankruptcy case and is always applicable with respect to every debt that was discharged. 

Any further contact from you regarding collection of this debt will be brought to the attention of the bankruptcy court as evidence of your violation and I will exercise my right to bring suit against you and recover damages of {$1000.00} or more for each incident, as is my right. 

I thank you in advance for your help in clearing up this matter and I trust that you will not attempt to collect this debt again.
I began receiving calls and notices from XXXX XXXX a company located in XXXX Louisiana approximately 8 years ago. The claimed that I had taken a loan out with them in which I had never did. I requested numerous times for them to provide to me paperwork of this loan showing my ID or my signature which I never got. Since then they have been reporting this to the credit bureau which has caused my credit score to suffer drastically. I recently received a XXXX from them for this year which I did not file on my taxes because this has never been my debt.
my card wasnt recieved my cards mail wallet phone was stolen while me and my employees went to  XXXX  i have airline tickets to prove none of us where in the country i never requested a line increase i never authorized or purchased anything and nor has my employees we where in  XXXX  and have proof now t here rebilling me the charges which is against the law they have violated my rights under the FCBA  the card that was used was under my employee   XXXX    XXXX  and it was aroun d 14000 in charges that arent mind
One hour before closing Wells Fargo asked for copies of two checks. I told them everything was pack and we were waiting for the final numbers. They replied we are increasing your mortgage by {$10000.00} since I could not get the two checks If would have said no I would be out of contract and would loose my down payment They had 2 months and one before closing the under writer wanted copies. I feel they did it to up the mortgage and closing cost
I have provided the information to Experian to remove the XXXX negative from my report as I did to XXXX and XXXX XXXX. They XXXX removed the negative from my report because I was right and XXXX was wrong. Experian will not remove this negative from my report, I spoke to someone at Experian and they told me to contact you so you can dispute their decision. I 'm asking that Experian remove this negative, like the other XXXX companies.
On XX/XX/XXXX I opened a checking account at XXXX bank via credit card. They required a lot in order to open the account, including a driver 's license, signature card, and credit card statement used to fund the account. I provided the license and statement to them via email the week of XX/XX/XXXX. On XXXX, XX/XX/XXXX, I mailed XXXX a signature card I printed from their online application. They told me this would be acceptable as long as it had my original signature and I sent it to them through the mail. ( I had previously sent them the signature card via email where they did not accept it. ) Funds were not available in my checking account at this time on XXXX, XX/XX/XXXX. However, I saw on XXXX, XX/XX/XXXX that they were available in my online banking portal. Clearly, they had gotten my signature card. I linked another financial institution to my XXXX checking account ( XXXX ) on XXXX, XX/XX/XXXX. The trial deposit was received ( and allowed ) at XXXX on XX/XX/2016. I confirmed the deposit at XXXX and submitted an ACH withdrawal request through XXXX to my checking account at XXXX Bank. This withdrawal from XXXX became available at XXXX on XX/XX/2016. 

On XXXX, XX/XX/XXXX I see the deposit as " Returned-Account Frozen '' in my XXXX account and that I have been charged a {$15.00} fee. My XXXX Account was not frozen, otherwise the trial deposit would not have been allowed. 

My funds were made available in my account on at least XX/XX/XXXX ( probably XX/XX/XXXX ), and the trial deposit went through fine on XXXX. Funds were available, and should not have been " returned '' after being withdrawn to XXXX. 

I want a refund of all fees I was charged by my other institution, XXXX. These fees were a result of XXXX error ( s ). I also want both my checking accounts closed at XXXX and to not be charged any fees to do so.
Hello. My name is XXXX XXXX XXXX. 
Recently, I found out I was monthly charged XXXX XXXX XXXX twice from XXXX credit report company. It has recurred over a year. I never signed a membership with them nor received an email regarding my membership or account information. The credit card number that has been charged is XXXX XXXX XXXX XXXX. I am very frustrated to find out about this fraud and hopeless without help from CFPB. 
I already tried to settle this dispute with the company, however, it is impossible to talk to any of them. 
Thank yo so much. 
My contact number is XXXX My email is XXXXXXXXXXXX total amount = XXXX
Was headed down the road of not being able to afford the house, so I contacted the mortgage company for payment assistance. The rep told me in order to help me I need to not make 3 months of payments then call him back. Otherwise, he was not going to help me. After 3 months, everything fell apart, tried to sell house. Had XXXX offers on the house and BoA rejected all offers and finally on the XXXX offer, wanted to debate the buyer for {$5000.00}. The rep " XXXX '' was stalking me and threaten to come to the house and make me give him the mortgage and call me day and night until a man answered by calls ... 
At the end of one year, I gave the house back to BoA. 3 months later BofA sent me a letter stating the loan was forgiven (??? ), but still gave me a negative mark on credit report. Why?
I am contacting you for assistance in initiating a dispute with TD Bank in regards to excessive overdraft fees. I have a checking account with TD Bank and I am enrolled in TD Bank Overdraft Protection Coverage. However, TD Bank has been for a long time abusing this enrollment and excessively charging me fees. TD Bank does not properly allow their clients to be aware there are pending transactions on an account due to their outdated processing system which can take even up to three days to reflect an instant debt transaction on an account. TD Bank on Saturday and Sunday do not reflect any transactions not even as pending, then on either Monday or Tuesday they process transactions since Friday night and they are not processed in chronological order so they deduct from all those days ll at once starting with the transaction with the highest amount leading to multiple overdraft fees for transactions that were done when the balance was available. 

I was informed by multiple representatives of TD Bank that if an account goes into overdraft and the account is brought to a positive state on the same day by XXXX XXXX Eastern Standard Time an overdraft fee will not be applied. On Tuesday, XXXX XXXX, 2016 my account went into negative standing, However on the same day I made a deposit of {$22.00} at XXXX XXXX EST. which brought the account to a positive standing of {$0.00}, my receipt also reflects this. TD Bank charged me XXXX over draft fees of {$35.00} each. I believe it is unfair and misleading that TD Bank does this because there is no way for me to reference my transactions with them. Since this bank is not updating their processing system as mandated I can only go by the information that is provided. As I stated above my balance reflected a positive standing within the cut-off period of same-day processing. I attempted to resolve this with TD Bank directly ; I spoke to a manager XXXX in the New Jersey Contact Center but they refused to assist me and they were extremely hostile with me.
I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XX/XX/XXXX and I am only responsible for the payments from XX/XX/XXXX. My credit score has dropped drastically.Wells Fargo should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You
I was never notified of this bill and do n't know where it comes from. I requested documentation of original forms and signatures stating that this debt has been validated and verified per the FCRA. I do n't believe this account was investigated at portfolio recovery for XXXX.
I recently went online and established credit freezes with XXXX and XXXX without the slightest difficulty. Experian, instead, rejected my request on the basis of improper responses to ID questions -- e.g., former and current addresses, mortgages, etc. -- that had absolutely nothing to do with me or my identity.
I 've just had to get my car repaired on credit. I went to XXXX of XXXX XXXX XXXX XXXX XXXX ' in XXXX XXXX AZ . They use 'EasyPay ' finance company for financing of customers needing credit. 'EasyPay Finance ' ONLY does 'applications ' by CELL PHONE. This is highly irregular as cell phones have very minute screens in which to view the numerous needed documents. This makes it almost IMPOSSIBLE to see what you are signing. I am also well aware, or thought I was, of the Federal CAP on loan interest rates of 20 %. So when I finally received printed copies of the documents that I could actually READ I noticed that there is an APR of 188.99 %? I initially thought this to be a typo since this is EXCESSIVE? This makes the FINANCE CHARGE {$1000.00} for a charge of only {$810.00}. This entire matter must surely be FRAUDULENT? How can anyone legally charge a larger finance charge than the amount of credit needed? My Application Id is : XXXX I look forward to any correspondence from anyone regarding this matter.
I was offered a {$100.00} statement credit on a plane ticket from XXXX XXXX if I applied for, obtained, and used their frequent flyer card from Citi Cards. I applied for the card and was approved, but was not provided with the opportunity to pay for the ticket with the card. I called Citi Cards for help, but was informed that I could not use the card to purchase the ticket until I received the card in the mail. This was not the offer that was displayed on the XXXX XXXX payment page -- it clearly showed a {$100.00} statement credit on the fare that I was purchasing. Waiting for the arrival of the card in the mail would result in me losing the selected fare. Citi customer service blamed it on the encryption ability of my browser, but I learned after the call that the browser I use -- XXXX -- matches the encryption security of the server to which it connects, meaning that the security issue is on Citi 's side, not mine. The Citi representative reported that she gets XXXX calls like this a day, suggesting that the problem again is on Citi 's side, not the consumers. 
In short, Citi and XXXX made an offer, which I accepted by applying for the credit card and taking a " hard pull '' on my credit report. Citi and XXXX then refused to honor their offer.
Discover personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and discover statements showing I've paid them. I contacted the credit agencies as well as discover and they reassured me the problem would be resolved but it's not and it's ruining my credit.
Bank of America mis applied my payments to the wrong balance transfer promotion and is charging me interest on the new balance. They are also NOT recognizing a " Check Cash Advance '' promotional balance at the correct interest rate. I was told that " you ca n't write/depsoit a check to yourself and deposit it in your own bank account. '' When I asked for the person to show me where it says that on the marketing brochure for the promotion, she referred me to the XXXX office. I spoke to someone in their XXXX office, which apparently handles disputes such as this and I was told, " The bank had a major computer glitch earlier in the year that mis applied and mis calculated interest. XXXX accounts were effected and I assure you we are working to resolve the problem. You will see interest accumulate over the next several months on your statement but do n't worry about it, we are rectifying the problem and all fees and interest will be credited back to you at a later date. '' She could not give me a reference # of my dispute and asked me to call back in a month or so. The promotional balances on my statement do n't even add up to the entire balance due noted at the top of the statement. Further to this point of major computer errors, XXXX of the promotional balances appears to have shifted a decimal point and shows {$10000.00} in my favor. I compared to the previous statement and it 's clearly a computer error. My concern is that they will try and rectify the problem without any oversight and who knows how many XXXX of card holders will not even notice an error has been made and end up paying XXXX dollars of erroneous interest to the bank.
In 2007, I had a XXXX Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.
On XXXX XXXX, 2016, XXXX updated loan XXXX status to BANK ADJUSTMENT/DEED IN LIEU//BANK LIQUIDATION. 

This credit line should be deleted, the aforementioned update does not delete it. I have not been apprised of any change to validate this change
I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have  called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : " most provided a signed contract between me and the creditor to validate this account '' an itemized statement does not validate any account, so dont provided, third party is hear say, my be a signed contract, NOTICE GIVEN PRIOR  TO FILING SUIT IN XXXX XXXXXXXX, OK
I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX  balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX regarding this problem.
Bills from debt collector, Transworld Systems, for debt on a XXXX bill from XXXX XXXX XXXX in XXXX. Illinois. Bills have continued over 1and 1/2 years despite acknowledgement of erroneous billing XX/XX/2013.. Additional charges added 1 and 1/2 years after resolution of issue in XXXX 2013. 
Bill is for a deceased relative ( deceased in XXXX 2013 ) that the XXXX says we are not liable for. We are not the guarantor or estate executor for the deceased relative.