WillisBack/dataset-financial-user-claim huggingface dataset:
We have had frequent problems with Seterus processing our payments, duplicate payments, payments for shortage in escrow that they manage. We received a letter once again stating we were short, I sent the full payment for that shortage they claim and the check was cashed to avoid them applying it to our mortgage. I wrote on note with the payment that this was for the escrow shortage and listed the acct. We received the mortgage with an increase and paid it. I included a copy of the escrow shortage check that was paid with a note explaining not to apply the shortage to our mortgage. We received a letter stating they would look into the matter and to this day have not seen our mortgage adjusted back to what we were paying. My credit was also ruined because of past issues they claim they would clear on my credit.
submitted evidence that they are reporting incorrect information on my XXXX accounts and they still found nothing wrong. Shows late payments when the account is under forbearance.
Equifax is reporting an incorrect date of birth for me. I contacted them ( Confirmation Number XXXX ) and instead of correcting the date, they added my statement providing my correct birth date as a " Consumer Statement ''. 

There is no indication that they attempted to contact a reporting agency to correct my birth date nor looked at roughly 40 years of credit history to verify my assertion of birth date.
I OPENED MY ACCOUNT ON A MONTH AGO, THEY CLOSED IT ON THE XX/XX/XXXX, TRIED TO NEGOTIATE WITH THEM ON SEVERAL OCCASIONS WITH NO ACTION TAKEN ON THEIR END.! I AM LOOKING TO HAVE MY ACCOUNT REOPENED BECAUSE IT WAS CLOSED WITHOUT WARNING AND WITHOUT CAUSE AND IS NEGATIVELY EFFECTING MY CREDIT REPORT.
I called and set up a payment program where I would repay the highest-interest loans first. The lady on the phone when I called indicated that this is how it would work. This was 6 months ago. I log back on to my account to see that this is now what's happening ; they've been distributing my payments equally among the loans, not targeting the highest interest loan like I specifically set up. I called them back and they said that this is standard procedure and can't be changed. I am suspicious. I think it is fully within my right to choose which loan I want to repay first, but according to them I can not do this, i must repay in the way that they dictate ( spread out among the different loans and interest rates ). This seems pretty manipulative and abusive.
I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}. 
THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN? 
AND THEY STILL TAKING MONEY FROM MY BANK.
I have a Chase Sapphire Reserve card which comes with a membership to a program called Priority Pass which allows access to airline lounges. I traveled out of the country on XX/XX/XXXX and realized when I was at the XXXX International airport that I left the priority Pass card at home. I made 4 phone calls to Chase to ask for my membership number for Priority Pass ( so that I could be allowed to enter lounges while traveling ) but eventually I was told that the department that could give me my number was closed on the weekends but that if I paid for a lounge at each of the airports I would be traveling through on my trip, using my Chase card and that when I returned I would get a refund of my money. I clarified that this was truly the case and was told that I would get refunded the money. On XX/XX/XXXX I used a lounge in XXXX for which I was charged {$110.00}. I did not use any other lounge on my trip. When I returned I called Chase Sapphire Reserve twice about this matter and received a letter in the mail each time stating that they would not refund the charge since in XX/XX/XXXX they had reimbursed {$40.00} for another lounge I used ( this was because I had not received my Priority Pass by mail in time for my trip ). I was told on the phone very clearly that Chase would refund the cost of the lounge but now I am not getting the refund. I don't think this is fair especially since there Priority Pass department is closed on the weeekends and since I pay a {$450.00} annual fee for the card to get benefits like Priority Pass.
I have contacted Transunion numerous of times for the past month about unauthorized inquiries on my credit report. The first call I made the representative told me to contact those particular companies and dispute w/ them and she, the representative, will place a fraud alert on my profile. I have contacted those companies by phone and letters, sent certified mail, several of time. A couple of those companies told me to contact the credit bureau that its reporting on, which is TransUnion, and disputed with them. I have gone back and forth with trans union and the companies to resolve the issue and neither one is taking my dispute and request for removal of inquires that was n't authorized after several disputes, phone calls, and certified letters.
This is the third time I have requested XXXX XXXX XXXX or XXXX XXXX to stop contacting me about a 14-year-old debt that was paid.This is the  second time I have reported them to Consumer Financial Protection Bureau. They did not respond to the first report.
This company, ENHANCED RECOVERY COMPANY ( ERC XXXX was found on my credit report and I did not receive any XXXX day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Im having a hard time getting my free credit report from XXXX they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to XXXX i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.
PUBLIC RECORDS HAS XXXX ITEMS, XXXX YRS IS HERE AND SHOULD BE REMOVED FROM EQUIFAX CREDIT REPORT Reported on XX/XX/XXXXDischarged XXXX SECONDLY,, XXXX XXXX Account Info ERRONEOUS INFO, NO ONE WILL LET ME KNOW WHAT THIS IS.. 
Reported onXX/XX/XXXX BALANCE {$520.00} XXXX Date Filed Reported onXX/XX/XXXX
Discover is not posting payments on time. My bank shows an earlier date when payment was withdrawn from my account, and Discover shows a later date. Why is there a later date? Is Discover getting more interest than is due by posting on a later date?
On XX/XX/XXXX i faxed a letter to Experian about inaccurate, non verifiable bankruptcy information reporting on my credit report. it is now XX/XX/XXXX and still no letter, no email, no response, no change in my Credit Report. I also sent the same letter, on the same day to XXXX, and XXXX whom responded and removed that information from my report.
I am currently being reviewed for a loan modification with CitiMortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. Citi is telling me there is not enough time to complete the review and I need help getting the sale date pushed back. Please help.
I was contacted by company last year for collection on unpaid balance and informed them i never opened the account. I opened a XXXX XXXX credit card for the first time late last year. Never had a credit card before then.
After many attempts to validate this debt with Portfolio Recovery Associates, I decided to pay off the debt with the agreement that they would DELETE the paid collection from all three reporting credit bureaus. The debt has been marked Paid, but not deleted as requested and discussed per my agreement to pay it in full ...
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX XXXX # XXXX $ XXXX ...
A collection of {$390.00} was removed from my credit report by XXXX XXXX on XXXX XXXX, XXXX. Now a year later there is another collection for the same amount but from a different creditor on my credit report reported XXXX XXXX XXXX. It appears the creditor STELLAR RECOVERY INC has put it on my credit report without me being informed to give me my right to dispute it.
i have disputed this account XXXX time, and the answer for the credit bureau is the same this account do n't belong to me, there is not reason to be in my file. I told too many time with the credit bureau and the answer is there is nothing we can do. account # XXXX XXXX XXXX XXXX
I am attempting to closeout a Chapter XXXX case but am unable to do so due to fees Ditech claims I owe totaling more than {$5000.00} in arears payment, however Ditech has not submitted these claims to me or my attorney for review and/or payment. My attorney 's office and I have attempted to obtain information and get Ditech to submit claims relating to this issue since XX/XX/2015. We have made several telephone calls to Ditech. Ditech representatives seem to be clueless as to the request or say they will give us a call back, but as of this writing I nor my attorney 's office have received a return phone call or claim for payment from Ditech. Ditech 's own attorney has tried several times to obtain this information but has informed my attorney 's office that she has been unsuccessful as well. I understand that this is normal behavior and practices for Ditech. I am very concerned that once my case is closed, and fees are later submitted for payment, Ditech may possibly pursue foreclosure procedures if I am unable to pay the full amount. Me and my attorney 's office have serious concerns that this could potentially happen.
A company called XXXX XXXX XXXX did not correctly submit a bill to my health insurance company. I tried repeatedly to get them to send necessary documents to my ins. co. through our local BBB but they either ignored the BBB and did not respond, or falsely claimed I owed the bill. The claim has now been paid in full after I filed a grievance with my insurance company and I have a letter stating such. If XXXX had filed the claim correctly the XXXX time it would of been paid 100 % as that is what the coverage is. Instead XXXX turned it over to Credit Adjustments who call me over and over harassing me and NEVER identifying themselves. Again this bill has been paid in full to XXXX. Thank you!
-I had a routine XXXX  on XXXX at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-On XXXX, I received the first incorrect bill for XXXX  service ( should have been preventive ). 
-I have contacted XXXX XXXX on more than 10 occasions to resolve the issue. 
-My doctor confirmed that it was mis-coded and was a preventive procedure. She and her staff have also tried to resolve the matter numerous times. 
-In several of the calls, XXXX XXXX personnel said they would resolve the matter and/or respond back to me and my doctor 's office. They never did. 
-XXXX XXXX are pretending that I didnt provide enough information to bring the debt into question. On XXXX, I received a collections notice from Sequoia Financial Services - a debt collector - to my surprise. 
-OnXX/XX/XXXX, I disputed the debt through my attorney, who informed the debt collector that this activity was known as up-coding and is illegal in the State of  California . 
-On XX/XX/XXXX the debt collector sent another ( incorrectly coded ) bill for {$830.00}, and referred to their correspondence as a response to a request for debt validation, from my attorney. No such request was made. Once again, XXXX and the debt collector didnt provide any responsive correspondence. 
-I have documentation of these facts.
I was informed by my credit card company on XXXX XXXX, 2017 that they have changed my credit card from a Credit Limit to a " Credit Access Line ''. Based on what my research indicates this will have a negative impact on my credit score. As a result of my research I reached out to my credit card company and informed them that I am declining this change. Within 24 hours Chase informed me that I had no say in this matter and that they would not be reverting my account to its original terms.
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting payments late for the time period of XX/XX/XXXX - XX/XX/XXXX but I had been approved for deferment during that time period by XXXX XXXX.
I recently submitted a complaint with cfpb reguarding this I am not asking for reinvestigation from Transunion, XXXX or XXXX, only thing that will do is have them send me a letter saying we verified these accounts belonging to me if you verified these accounts as mine then please send me proof or delete off my report due to I have been a victim of identity theft and i sent proof of this to all XXXX Transunion, XXXX and XXXX only for them to respond acconts will remain as we verified these a belonging to you no proof or assistance to show me how.
Any issue with Navient regarding student loans is of great concern, because when I notice a Navient action that is incorrect and fraudulent, there is a high degree of certainty that the systemic and persistent errors are also being applied to XXXX student loan borrowers with XXXX dollars in student loans. 
My Dept of Education loans are in deferment, and I simply wish to make small payments during the deferment period in order to pay down the accrued interest so that a large amount of interest is not capitalized ( adding to the principal balance on the loan ) at the end of the deferment period. 
I am being prevented from making payments towards accrued interest. 
In every document that I can find, payments on student loans are supposed to be allocated first to fees, then towards interest, and then only then towards principal balance. 
I received the following response from a Navient Customer Service agent : " Our records indicate the loans are in an unemployment deferment until XXXX XXXX, 2017. The federal government pays the interest that accrues on any Subsidized Stafford Loan during deferment periods. Loan XXXX is subsidized, therefore, there is currently no outstanding accrued interest on this loan so payments are being applied to the outstanding principal balance. Loan XXXX is unsubsidized and there is currently {$90.00} in outstanding accrued interest, therefore, payments are being applied to the outstanding accrued interest. '' The statement above is inconsistent with the payment allocation rule. 
My payments during the deferment period should be applied towards accrued interest first.
Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX. I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of violation of {$1000.00} per each and litigation.
I am a victim of identity theft and someone stole my personal information and identity and opened up fraudulent and unauthorized Wells Fargo checking and savings accounts that do not belong to me. Attached is supporting documentation for proof, I was incarcerated at XXXX Correctional Facility-XXXX from XX/XX/XXXX to XX/XX/XXXX
I spoke with XXXX from Equifax and she explained a service was offered back in XX/XX/XXXX for free Complete credit monitoring for a monthly period and it would cancel automatically. I contacted Equifax immediately in XXXX of XXXX and requested a cancellation and my card information to be removed. Equifax began charging my card XX/XX/XXXX for {$12.00} for a total of 4 months equal {$51.00} and switched it to a XXXX for {$17.00} and charged me and additional {$390.00} stating it would cover 22 months. I have been charged a grand total of {$440.00} I had no knowledge of this and I was told by XXXX at Equifax she could only dispute. She stated she has cancelled the subscription and if I am disputing the charges as unauthorized I would have to speak with my banking institution and she said her floor supervisor was not on the floor to offer me any credits back and she could only apologize to me for the inconvenience. I am furious. Especially with the recent breach. I need to be fully refunded for this as this is theft. My banking institution has been notified, blocked the merchant, however the bank advises me to contact agencies for assistance with holding Equifax accountable. I event went to the website and entered my social security number, last name, and they could not access an account. I took a screenshot of that for my records. I asked if they could tell me the last time the account was accessed since and XXXX told me she could not provide me with the information. She said she could only provide me with the account payments for the free credit monitoring and she was also unable to tell me how the services were upgraded from the {$12.00} to the {$17.00}.
Cavalry Portfolio is reporting to the credit bureaus that I have a paid collection with them that is in conjunction with XXXX from 2011. I contacted XXXX regarding this information and was told that my account with them had been sold to XXXX XXXX, therefore, it is not possible that the Cavalry account is mine.
I am getting harassing phone calls from a debt collection agency who represents their self as a law firm saying I owe money to a company I never heard of. I did have a payday loan several years ago but it was paid as agreed at the time. This agency has even called my work place & only has a recording, not a real person, asking me to call another #. I called the # & was told I owed money to some payday loan which I do not. They asked me to prove I did n't owe the money & I told them to prove I did. They became very rude & I just hung up.
We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. I also would like to know what PNC rule is for flood insurance, they have had me pay for a total rebuild, not for the loan amount like other banks? I have been in contact with XXXX XXXX XXXX
XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler (  XXXX  ). I have been trying for 4 years to get  XXXX  to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and each  one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted  XXXX  to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and Equifax has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held  hostage by this company. Attorneys want to much money and NO ONE cares, within the governme nt or their agencies, that there is fraudulent info on my acct.
On XX/XX/XXXX I purchased a letter writing service from XXXX. I received little communication from the company. On XX/XX/XXXX I requested a refund. On XX/XX/XXXX I received a response from XXXX the owner stating " sure, no problem ''. I have consistently tried to contact the company who has now taken down their main website stating that they are no longer receiving new customers. Over the months until XX/XX/XXXX I have requested my funds be returned to my credit card. At which point I finally told the company that I was going to contact my credit card company and dispute the charges. Now my credit card company is penalizing me for trying to work this out with the company by saying that the purchase was too long ago and I can not dispute it. This charge is for {$490.00}. I do not have that kind of money to just throw around! The company still hasn't responded and there is no one looking out for me here. I have saved most of the email correspondence between myself and the company which my credit card company never even asked to see.
In XXXX 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with Suntrust {$12000.00} and XXXX XXXX XXXX  {$11000.00}
I applied XXXX XXXX card on XX/XX/2017, and I used their XXXX+XXXX limited offer which ended in XX/XX/XXXX. I  already spent more than {$5000.00} within the first three months. But I only got the XXXX base offer. I tried to argue with Amex and failed. But I have no proof that I used this offer.