WillisBack/dataset-financial-user-claim huggingface dataset:
I went to wells fargo to apply for a mortgage loan. I was given a preapproval letter by XXXX XXXX stating how much I was approved for. I gave the letter to my real estate agent and we started looking. Within a few days we found a home. We communicated with the loan officer the amount of the home and he gave us an offer amount that fit our payment needs while being in the budget he gave us. The offer he told us to give was accepted so I proceeded to borrow from my XXXX for the {$1000.00} binder needed as well as the inspections. XXXX then told us to immediately give the money back to XXXX XXXX because it would look bad on our credit, not knowing XXXX loans do not affect your credit what so ever. XXXX should have been very well aware of that! So we could not give the money back so he advised us to immediately use the money to pay off a couple of credit cards to make up for taking out the loan. This was unescessary money we did not need to spend nor could we afford to spend then to find out it was for absolutely no reason in the end. We proceeded to move forward with inspections and XXXX. This is when all phone, email, or text message communication completely stopped. We reached out numerous times to let him know all these things were done and we were ready for finalizing. Well after about 8 days we realized the loan was not going to go through, he had inputted my info wrong. I still have not recieved a call from him at this point I have reached out to corporate and was informed that he was wrong and they were sorry ... .Well now I have taken out a {$2000.00} loan, paid for all inspections, paid off XXXX credit cards with the money borrowed per his advice, and put down a {$1000.00} binder all on the word of my loan officer who allowed me and encouraged me to move forward. Corporate does not seem to think this is a big deal and have not in any way tried to make ammends. I feel very strongly wells fargo owes me all the money that I spent in this process because it was money that was wasted and money I did not need to spend nor did I have.
My XXXX XXXX XXXX credit card is lost/stolen, and has fraudulent transactions on the account # : XXXX.
I was rushed to hospital with XXXX XXXX XXXX an was not able to pay for my services rendered at this time. XXXX XXXX contaced a charity and said that the cost of my services woukd be written off or a charity organization would take care of this ordeal.At the time of sickness there was no insurance and I was not able to pay for my sickness. I work parttime in a XXXX and insurance is not provided by my employer.
on XX/XX/XXXX a debt collector called me and was trying to collect on a debt from 4 years ago. The name was western mass credit. The guys name is XXXX. <P/>He states that I owe over 3700 dollars for a debt. I say well i never received a letter from you or anything. He said he just pulled my credit. I said ok .... He went on to state that I had the ability to pay for the debt because he could see a credit card that I recently had opened. He also went on to continue manipulating me and stating that he could give me a deal if i pay today. he said i see you were affiliated with the military  ( because of my financial institution ) and i am going to give you half off.. well he emailed me a copy of the debt!!! he manipulated me into paying the amount based off the credit card that I have and he also never said this is an attempt to collect a debt!! <P/>he abused me over the telephone and manipulated my credit to me in order to receive payment.
Hard inquiries on my credit report with all credit bureaus and I didn't receive credit from the loan companies and I asked for them to be removed from my credit reports. if no loan was given or credit from the companies they must remove the information or inquiries especially if I didn't apply for the credit and that has a negative impact on my credit score XXXX XXXX Thank you for your help
Southwest Credit Systems L.P. a appear on my XXXX credit report, which i have reached out to the company to rectify the problem because i am not and have n't done any business with XXXX for quit sometime. the account in question belong someone from XXXX NJ I was also told the SSN was different.. That 's what i was told when i initiated an investigation. I would for both XXXX and Southwest Credit Systems to stop all collection efforts. and to instruct the credit bureau to delete it from my credit file. Its important to note i have NEVER lived in XXXX NJ. and i was told that the account also had a SSN which was not mine.
This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, XXXX XXXX XXXX XXXX, lists their business address in XXXX XXXX, MN allegedly hired the firm of Schlee & Stillman , LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to one another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.
Debt collector did not send a dunning letter at all. Did not call me, made no contact before reporting this to the Credit Reporting agencies, XXXX, XXXX and XXXX. This is a violation of the California XXXX FDCPA. This is not the first time they have done that. Just a few months ago the CFPB helped me with the exact same situation with the exact same company who listed ten items on my XXXX file and XXXX on my XXXX file. They did end up deleting the items because I threatened to sue for damages and because of my complaints to this agency as well as the XXXX, FTC and the XXXX Attorney General. 

It seems they 're back at it again. This is a rogue company that does not abide by XXXX State Consumer Protection Laws. Please help me.
My mortgage company, Ocwen Loan Servicing, has continually charged me late fees for payments that were made on time. I have sent documentation to Ocwen from my bank confirming that my payments actually cleared my bank before the past due date, but they ignore my attempts to receive a credit. I have been trying to resolve this issue for several months. I have written to Ocwen multiple times and they continue to do the same thing.
Lost my job in XX/XX/XXXX. I 've been trying to get my payments back on track since XX/XX/XXXX. I 've had 3 monthly payments returned to me. I applied for a loan modification and was denied. I appealed the decision for a loan modification and during the appeal and decision time was able to come up with the total amount due. I was given a due date to appeal by XXXX XXXX 2015, I sent a check to mortgage company for total amount due to bring my account current. I called mortgage company on XX/XX/XXXX to see if my check for total amount due had been received to find out my appeal had been denied and my mortgage was submitted to foreclosure on XXXX XXXX 2015 without written notification, or the chance to bring account current. I have been trying repeatedly to work with PHH Mortgage to get my account current. Seems as though they want me to lose my home. Very disappointed, and aggravated at this point.
Experian is the worst offender dispute items that were included in BK are re activated and falsely reported as a recent charge off. 
Experian stated to me that the creditor i.e XXXX XXXX recently reported the charge off even though it was included in BK 3 years ago. 
Which can not be true that XXXX reported the charge off because XXXX sold the debt 2 years ago so it would be impossible for them to report that on my credit report at this time. 
Showing the recent charge off on my credit report from XXXX which is impossible because they no longer have the account is simply retaliation by experian for disputing that item and is an illegal practice.
This company is calling my work and I wish them only to contact me via personal cell phone or mail.
This is in reference to a delinquency that Roundpoint reported to XXXX ; my wife and I dealt with Roundpoint in good faith and made payment on agreed-upon terms, but the company, through it 's own malfeasance or malpractice, reported the payment as 30 days late, even though their own documentation and communication recorded the payment as only 8 days later that listed on the statement provided. 

Roundpoint Mortgage serviced my home loan from XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX, my wife and I refinanced the mortgage through XXXX XXXX. Either XXXX XXXX failed to correctly calculate the payoff amount, or Roundpoint failed to correctly calculate the payoff quote, as two weeks after closing, Roundpoint informed us that the payoff fell short. 

In short, Roundpoint acted in an unprofessional, chaotic, duplicitous, and bullying manner over the course of three weeks. They sent a series ( XXXX ) of inaccurate, contradictory statements, and failed to explain why XXXX statement differed from another. A representative agreed to grant a two-week extension until funds arrived in my account for payment, but Roundpoint instead set a due date as the day that we received the funds in our account, and recorded a 30-day delinquency to TransUnion when the payment arrived 8 days later through the mail. They refused to provide a written explanation of the deliquency report, and only offered a second-hand verbal explanation over the phone that the representative who granted the two-week extension had no authority to do so -- as the department that handled payments refused to communicate with me directly, their use of a customer service representative in this way was a deceitful and borderline fraudulent practice. 

My wife and I have never missed a payment of any kind in 25 years ; the report substantially lowered our credit rating from " XXXX '' ( XXXX ) to " XXXX '' ( XXXX ) in a matter of days. This was their error, and it substantially harms us as consumers ; Roundpoint refuses to acknowledge their error, and have refused to communicate with us in any way after receiving payment. 

We 've already submitted documentation through cashiering.
On Monday, XX/XX/XXXX I received numerous robotic voicemails on my cellphone, place of employment and residence from a company called High Point Asset Inc. located in XXXX, NY. I received another robotic call from this company today, Tuesday, XXXX XXXX this time I called them back. I spoke with a gentleman who identified himself a XXXX XXXX he alleged that I owed a payday loan from XX/XX/XXXX. I explained to XXXX XXXX that I never took a payday loan for that amount. I told him that if I continued to receive these calls I would report him to the AG 's office for the State of Maryland, I suspected that High Point Asset is not licensed in Maryland or the District of Columbia and he his response was " Yes we are. '' When I asked him to provide me with the business license number he said he would have to transfer me to the business " owner '' XXXX XXXX. 

He then transferred me to a XXXX XXXX who identified himself as the " Manager '' of High Point Asset Inc. 

Once again, I explained to XXXX XXXX that the payday loan debit that they were alleging I owed was not mine. I then asked XXXX XXXX what was the name of the company that he was collecting the debt for he stated XXXX. He said the file was transferred to him. I explained to him that I had never heard of XXXX. Just as I had XXXX XXXX, I asked XXXX XXXX for the business license in order to confirmed that they were licensed to operate in the XXXX and Maryland and his response to me was " I do n't have it on me. '' Really? Then I asked for an address in which that I could send a Cease & Desist letter and not a p.o. box number. At which time he stated that a Cease & Desist was placed on my phone numbers at XXXX something that morning. But refused to give me anything other than a p.o. box. 

I informed him that a Cease & Desist had to be in writing. I also informed XXXX XXXX that I was going to file a complaint with CFPB and with the FTC. He his response was " And I will respond to the complaint by saying we already did a cease and desist on your number. ''
I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ). There is an entry listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that someone with a similar name to mine filed bankruptcy in the XXXX District of Florida U.S. Bankruptcy Court, and it has appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. However, it remains. I searched the PACER system and I have contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau information relating to any bankruptcy cases, and that your information is from an online service such as XXXX XXXX & XXXX XXXX XXXX. I have searched PACER for information pertaining to this listed Public Record, and the address listed on the court filings is not my address, and I have never lived there. The address is located in XXXX County and I have been a resident of XXXX County for over 10 years. As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. to report erroneous information on a credit report. I demand that Equifax expunge the reporting of a bankruptcy entirely, as it is a willful violation of the bankruptcy reporting requirements of 15U.S.C. 1681c ( d ) ( 1 ).
Equifax is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me.
The issue im having and so are a few other people with the loan company " Security Finance '' is that they are not reporting anyones credit. They claim its corporate wide with some kind of system issue, which its been like this since XXXX or XXXX. Ive taken out 2 loans one from them and another from " XXXX XXXX '' which XXXX XXXX has reported monthly and also that ive closed the one from them. Security Finance however has not reported even once since ive been with them but yet they can make a hard inquiry on my credit for a 2nd loan, and still not report any of my on time payments. 

There are also many complaints online everywhere about them not reporting anyone 's credit this year..
I have an XXXX XXXX credit card issued through Citi cards. Citi offers an account management portal on the internet. Within that account management tool is the ability to message with Citi securely. They call it the " Secure Message Center ''. I reported several months ago that I had submitted a question via Secure Message. Citi first responds by regular email that a response is in the customers Inbox. When I check my Citi Secure Message Inbox no message is present or visible. They assure me that a message has been sent. Citi also acknowledges that they are having technical issues with this service. This issue has been outstanding for approximately six months as far as I know.
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My concern is what happens to the messages that Citi sent me? Who received that message if not me? Where did the information contained in the confidential message go? <P/>I suspect that Citi has a potential Information Security Breach and has not taken proactive steps to safeguard customers information. Citi can not provide me with information that proves the message intended for me was not received by some other Citi customer.
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Citi knows of this problem but either can not or will not correct the issue. <P/>I last spoke with a person by the name of XXXX who gave his job title as Assistant Vice President of Operations. I ask for other management contact references and that request was refused by XXXX. I was also given an email address to send Citi 's email responses to me. XXXX My recommendation to Citi was to cease offering the Secure Message Service until it is fully operational. I made clear that I am concerned about the security of my personal information yet Citi seems very unconcerned about that aspect of this problem. <P/>Thank you,
We agreed to a settlement via phone with Capital One and she set up automatic withdrawals from our account. We paid the final settlement payment XX/XX/XXXX. In XX/XX/XXXX I later received collection calls for the same account that was settled XX/XX/XXXX. I checked my credit report and it showed my settled account was not paid. I called Capital One and they said they did not receive any payments. Where did our payments go? Capital One automatically withdrew the agreed amount per month from our account. Our check copies showed receiver is Capital One, the account number, and date. I faxed copies of my bank statements and a copy of the last electronic check to Capital One and the collection agency. How much proof do they need? The collection agency, XXXX XXXX, denied my proof until I receive my settlement letter from Capital One. Capital One is still investigating and said they usually do not call to make settlements. Then they said they received the last payment on XX/XX/XXXX but it got returned so they could not do a settlement letter. According to our records the check was paid and posted to Capital One, because we did not get charged a bank fee and it was electronically withdrawn on the scheduled date on time, which is the XXXX of the month. First they said they did not receive any payment but now they are saying something else. I told them maybe they tried to get an extra amount realizing it was the last payment. I faxed them the copy that the XX/XX/XXXX check went through. Our statement showed no return fees. Everything was paid on time. I need assistance in getting a settlement letter and to correct my credit report.
I took out a loan with XXXX it was a HUD loan. It cost me {$35000.00} at closing and I was told that was the cost of buying the house at {$270000.00} because it was a XXXX loan. After almost 2 years fighting with the contractors due to bad quality of work, XXXX XXXX gave the contractor an additional {$5000.00} of my money, against my approval, to sign off the any waivers to complete the work. The work was never completed and warranty issue developed bad quality of work and no one came to fix the problems.
XXXX XXXX offers a credit card to help pay for items in the store with 0 % interest for the first 12 months. The credit line is offered through XXXX. After 12 months, instead of applying interest from Day 366 on, they apply the interest accrued from Day 1 to  your next bill. However unclear this was to my wife and I when we got the card, the real issue is in the handling credit institution 's communication of our statements and bills. 

The only place that you can find the expiration date for the promotion is in the billing statements, which is not in the same location on the site as the billing / payments portion of the site. Meaning, if you opt for paperless billing ( which we have ) and you don't know where to find this information, you will not receive a notification of when this amount will apply to your bill prior to the bill that shows up with a hefty sum of interest that's been accruing in the background for the previous 12 months. For XXXX XXXX to offer this 0 % interest for 12 months deal, but not clearly define the parameters, is shady. One might expect me to keep my eye on the calendar, or mark the final due date. But I work in communications, and I know that it's the communicating party 's responsibility to offer this information explicitly if they are the ones offering the deal. 

My situation : I aimed to pay this bill off over the course of a 12 month period, not knowing exactly when that 12 months would expire, since I thought I would be notified at some point that the promotion was ending soon. On my latest bill, I should have owed {$220.00}, but the bill instead was for {$440.00} which includes the interest accrued from the last year. I called the company to ask them to remove the interest from the bill, and explained that I wasn't notified of the promotion ending soon, but they didn't care, and weren't helpful. The promotion ended on XX/XX/2018 and I paid the {$220.00} today, XX/XX/2018. With little more than a month passed, surely I'm liable to receive some grace? 

One should expect, in this 2018 world of AI and automation technology, that if a company is offering paperless billing at some point in the payment process or notification process associated with that billing the customer should be offered some notification of when their promotion is ending. Then again, I suppose I should expect no less from a company that's only interested in taking my money, and any interest they can apply to it. That doesn't make it right, and it doesn't mean that companies like this shouldn't be held accountable for their disinterest in providing transparency for their customers.
Bayview Loan Servicing would send me a voluminous amount of letters stating that Bayview would like to help me avoid Foreclosure ; With options such as a Repayment Plan, Short Sale, Modifications and/or Deed-In-Lieu of Foreclosure. My home has an accepted purchase contract of {$530000.00} and is currently in escrow. The current total unpaid principal balance is approximately {$470000.00}. But with the late fees and other charges to Bayview Loan Servicing, the total payoff amount is about {$500000.00}. To make a long story short, because I need to pay fees and closing costs ( escrow fees, title insurance, real estate agent fees, HOA documents, transfer fees, government recording fees, termite repairs, etc., ) associated with selling a house ; I requested Bayview to waive about {$4000.00} from the {$500000.00} Pay Off Amount so we can close escrow. Bayview said " No. '' So, I asked Bayview if I can do an IOU ( installment agreement ) for the {$4000.00} shortage and I would pay Bayview in installments so that we can close escrow. Again, Bayview 's answer was a " No. ''
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XX/XX/XXXX    Credit Bureaus (  XXXX /Transunion/  XXXX   ) To whom it  may  concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  XXXX   XXXX   (  Signature Loan )  XXXX  Verification of  13  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (  Auto Loan  )   XXXX  Verification o f 19 l ate payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (   XXXX  )  XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  (  XXXX   )   XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX  XXXX , Thank you  XXXX   XXXX