WillisBack/dataset-financial-user-claim huggingface dataset:
Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : Equifax, XXXX, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( Equifax, XXXX and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from Equifax, XXXX or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!
Id like to dispute a late mortgage payment from XX/XX/2015, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX  records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX  but I would like to have these marks corrected.

Thank you
After learning that my social security number may have been compromised in late XXXX, I initiated a security freeze with all three agencies. I have been calling them to find out how I can ensure that the freeze does not lapse. I had NO PROBLEM with XXXX ; they asked what state my freeze was initiated in and said it would expire early next month. They helped me over the phone to terminate the soon-to-expire freeze and immediately initiate a new freeze with a new 7 year time limit. 
Both XXXX and Equifax said they do not allow security freezes to expire. In each of these cases, I reached an overseas call center in XXXX. Even though I cited the Pennsylvania statute stipulating that security freezes will expire after seven years, they insisted they would not. Assuming the PA statute is in force, my freeze with XXXX  will expire on XXXX XXXX, XXXX, and my freeze with Equifax will expire on XXXX XXXX, XXXX. I am concerned that in spite of their assurances, their system will conform to the law and my freeze will be allowed to expire. I plan on calling again on the expiration date, but expect to hear the same thing.
I spoke with the company who had this debt before, XXXX   and asked them what this debt for back in XX/XX/XXXX. The customer service agent told me the debt was for an account I had signed up for back in XX/XX/XXXX. The customer service agent stated the account was started inside an office and then I informed them the company who says I have the debt was not in the state in which I lived. And there would be no reason for me for me to go to another state to get an account. The customer service agent informed me to write a letter stating I was not aware of the debt and it did not belong to me. Before I could get the letter in, they had switch the debt collection company and I've haven't had the chance to speak with the new company XXXX  XXXX/Resurgent. No agency has yet to verified that the debt belongs to me.
I disputed a home phone bill with the XXXX major credit bureaus and Debt Recovery Solutions, a collection agency for the original creditor. It was settled in my favor and deleted with the credit bureaus and Debt Recovery Solutions did not respond. After the credit bureaus deleted the debt from the last of my XXXX credit reports, Debt Recovery Solutions began to send NEW correspondence, as if it had not been disputed. They continue to threaten to report it even though it has been one year this XXXX 2015, since the first disputes to the credit reporting agencies. They say I am ignoring them, but I have already provided my dispute to the credit bureaus, now I feel like I am being harassed. I have read how they were sued and lost in court for harassing someone this year. Debt Recovery Solutions is XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, phone XXXX and XXXX XXXX
In XX/XX/XXXX rooms ( {$1400.00} ) was book on XXXX in Washington XXXX ( i never been to XXXX ) i didn't know anything about it until i check my online account i called td bank and put in a claim i call the hotel in XXXX they told me to call booking.com i called them they told me if i could give them any info i told them i couldn't because i didn't know about the rooms being booked they gave me my money back ... then two weeks ago they took my money back out my account they said i was still using my card my card was still link to different credit cards and bills i don't even have a card now because im scared something else might happen ... this has cause me stress i have XXXX kids and bills back up i just want my money back.
Hello, A judgement was awarded to Stillman Law Offices for an old debt from XXXX XXXX. This Judgement was awarded in early XXXX. Since then I hadn't received any information concerning this debt, their desire to collect on it or notification of any action. In XXXX of XXXX, I received a letter from my employer notifying me of a wage garnishment from Stillman Law. There was no information about a file number, account number or any type of reference. 

I emailed the person listed on the garnishment paperwork and got no response. I looked up the original judgment case on file and emailed everyone associated with the case - no response. I called the number ( XXXX ) XXXX on XX/XX/XXXX at XXXX. Since I didn't have an account number / file number, I was transferred around to people who were " not an attorney '' finally landing with someone. I asked that person about this debt and requested information on the firm 's correspondence. She said that they hadn't sent me a letter since XX/XX/XXXX but that they weren't going to give me any other information " because they weren't legally required to '' - which was the response from her supervisor. Let me be clear, this woman was trying to be helpful, but it seems that company policy was restricting her from doing so. 

Finally, I asked for a " Debt Validation Letter '' in the hopes that this would provide me with some sort of documentation - and because I knew I was entitled to one under the FDCPA. She agreed to have it sent out but would not share any more information. As of the date of this complaint, I have yet to get a copy of that letter. 

I was under the impression that this debt was charged off and since I never heard anything after the judgement court date, I didn't have reason to think differently. So far this firm has engaged in dodgy practices that make me believe that they are hiding something. Unfortunately, I don't have the resources to hire a lawyer and feel I shouldn't be victimized solely on that basis. 

Note : There will be no attachments to this complaint because I have no documentation or communication from Stillman Law Offices to submit.
I live on the 5th floor of a condominium building. Chase Mortgage is demanding I provide excessive flood insurance coverage on my personal unit policy in addition to the flood coverage my association provides. On the 5th floor it is inconceivable that flood waters could ever rise high enough to enter my unit. I feel this coverage is unfair and an unnecessary and unjustified additional expense to me.
Paypal has refused to refund a fraudulent transaction not undertaken by me the account holder. Both Paypal and my attempts to contact the receiver have been met with no response and Paypal insists that there has been no fraudulent activity on my account and has closed my case. I am now out {$XXXX} which I am unable to get back.
I was strapped for cash due to a divorce that was getting nasty and some health problems. I applied for a {$1200.00} loan and was approved. After signing the papers, I realized the interest rate was over 600 percent, possibly 800 percent. I thought I would pay it off immediately 2 weeks later but then had an auto accident and more problems so I could not. I have asked that they stop the automatic withdrawals and they did. I mailed them one payment of {$350.00} the first week of XXXX. I had received the loan funds on XXXX and the first payment was actually due XX/XX/16. I accept the fact that my stupidity accepted this loan, but I am truly struggling to pay this. I am XXXX years old and still working, but it is difficult. Today I reported them to the MN Attorney General Office via the mail. From what I have now been able to read - they are known as XXXX XXXX XXXX, XXXX XXXX XXXX, etc. etc. I am not against paying them the {$1200.00} with a small amount of interest but not 13 payments of {$350.00} each! Any help you can give me is greatly appreciated. I truly believe they are Predatory Lenders. It is best and easiest to reach me at XXXX.
XX/XX/XXXX I, XXXX XXXX was diagnosed and transported for admitted urgent treatment from XXXX  XXXX XXXX XXXX Massachusetts to XXXX XXXX XXXX located up the road by  XXXX XXXX. I was never notified prior of a denial or gave authorization to be personally billed XXXX XXXX . XXXX XXXX directed the bill to XXXX XXXX  XXXX  without notifying me of my XXXX  upon request, or a verification of denial form. From there it was sent to First Financial collections, a credit bureau. I have filed disputes, called for expedited appeals and mailed to the grievance department at XXXX and spoken with all 4 companies to try to get this discrepancy resolved and removed from my credit report. Me being an inpatient at the time should not be responsible for this bill. 
Claim # XXXX XXXX XXXX CREDITOR ACCOUNT:XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX, MA XXXX billing dpt # XXXX XXXX XXXX XXXX XXXX Appeals and Grievances dpt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Massachusetts XXXX XXXX Billing agent XXXX XXXX XXXX ext XXXX XXXX  -XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX Appeals unit XXXX XXXX XXXX XXXX, Massachusetts XXXX First Financial Resources XXXX XXXX XXXX suite XXXX XXXX, Massachusetts # XXXX XXXX XXXX or XXXX XXXX XXXX I call these supervisors and billing agents to complain that i was never informed and to remove the bill because I have outstanding impact on my negative credit score. They are no help in immediation of assistance and ping me back and fourth to the other companies. This has been ongoing since XX/XX/XXXX. There has to be someone that can negotiate wan waive this bill from collections.
I RECEIVED A VOICE AUTOMATED PHONE CALL STATING XXXX XXXX IS REQUESTING FOR ME TO RETURN HER PHONE CALL IN REGARDS TO A DEBT THAT I OWE TO USCB AMERICA????
My mortgage was traded to Freedom Mortgage, XXXX 2015. Per line XXXX of my XXXX, I have a front foot assessment payment that is applied to my escrow. After multiple calls to Freedom Mortgage over a period of 6 months, Freedom Mortgage has advised me that they will only pay this assessment for this year and will not pay the assessment in future years. This is a breach of my closing contract. I never signed any documents allowing Freedom Mortgage to change the terms of my escrow contract. I have also requested documentation from Freedom Mortgage stating that they will no longer honor my escrow agreement. They have advised me that they will not send me any documentation stating that they will not pay the annual assessment.
Last Monday  XXXX   XXXX , Chase bank decided to close all  XXXX  of my credit cards.  XXXX  business, and  XXXX  personal credit cards. The personal credit have been opened without 2 years and the business for over  XXXX . Never have I missed a payments, overspent half the credit line or took adavantage of any points rewards system. I am a model customer with no problems. Matter of face I have been with  Chase si nce Washington Mutual. Like I said never been late, missed a payment or abused or over used the credit lines. I had a credit line of {$120000.00} approximately with a balance of {$4500.00} total which has since been paid off.
I noticed a collection on my credit report after applying for a mortgage. I contacted the credit bureau and they responded that it had been verified by Paramount Recovery Systems and to contact them for more information. I attempted to contact the creditor, but could not get in touch with them. I wrote a letter correspondence on XX/XX/2018 simply requesting information on the debt they said I owed. I did not get a response. I wrote a second letter and sent it certified. The tracking number was XXXX. It was received by the company on XX/XX/2018 at XXXX XXXX XXXX XXXX, TX XXXX. I still haven't received a response from them. I don't recall this debt and I'm afraid that they may have me mixed up with someone else. I'm attaching the letters for your review. 

The first address I mailed to was XXXX XXXX XXXX, XXXX . XXXX, XXXX, TX XXXX. The second letter I sent certified to XXXX XXXX XXXX, XXXX, TX XXXX. Tracking : XXXX I hope that you can help me get this resolved.
With all the offers of 0 % for a limited time, not all banks put the expiration date of the offer on their statements. This has already cost me {$100.00} in interest charges on one credit card because I was n't aware that the offer was expiring and was given the wrong month of expiration when I called. There have got to be many more people who are losing money to banks this way. The consumer should be warned when the offer is expiring to give them a chance to pay the balance in full.
I have a loan with PRIMARY RESIDENTIAL MORTGA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and PRIMARY RESIDENTIAL MORTGA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX XXXX
Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXXXXXX XXXX XXXX XXXX that is in collections and showing up on my report.
Navient XXXX, XXXX symbol XXXX, is the worst company ever. They make it a business to rip off their customers. First, I am a on time payment customer. Just this month I receive a bill telling me that my loans are in deferment. This is obviously not the case as I have been making full principal and interest payments for the past year. Also I have graduated college in XXXX, so this makes no sense. Tell me how my loans get to be placed in deferment with out my authorization???? They do n't. What they are doing if fraudulent and unfair. Had I not noticed this, 1 ) One of my loans I would be paying interest only and NEVER paying principal. According to the contract I signed this would not be the case because as stated from years XXXX to XXXX I am on a full principal & interest payment plan. This lines their pockets with cash and me the consumer does not get out of debt. Talk about unfair business practices. 
2 ) My second loan is in a worse situation. According to them the loan is in " In School Fixed Payment Plan '' which is a euphemism for NEGATIVE AMORTIZATION. Tell me again how this happened?? I go from full principal and interest payments to a Negative Amortization plan. The problem with this is that the interest that accrues over the billing cycle does NOT get paid and gets added back to the principal. This increases your principal balance so you NEVER get out of the loan. I have about {$27000.00} in outstanding principal balance. {$250.00} in Interest is being added back to my principal balance. How does this happen when my payment plan is in FULL PRINCIPAL AND INTEREST PAYMENTS. 
THIS IS HOW THEY MAKE MILLIONS OFF OF UNSUSPECTING CONSUMERS. 
Finally, this is not the first time this has happened. This is the third time they have incorrectly represented payments.
XXXX XXXX, 2017 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on my credit files that is inaccurate. I never attended XXXX XXXX XXXX. I do not have a signed agreement/contract with you General Revenue Corp. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately.
Name of Account : Account Number : Provide Physical Proof of Verification : XXXX / General Revenue XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Thank You,
I have a HELOC with Third Federal Savings & Loan. My required flood insurance with XXXX renews every XX/XX/XXXX. Third Federal issues me a Notice of Flood Insurance Requirement on XX/XX/XXXX stating my flood policy has lapsed. They state I have 45 days from the date of the letter to rectify or be charged by them for a policy. They immediately charge me {$67.00} on XX/XX/XXXX. I provided my policy showing no lapse in coverage ( old policy XX/XX/XXXX-XX/XX/XXXX new policy XX/XX/XXXX-XX/XX/XXXX ) via their online portal. I also have XXXX sent copies of the policy. I call their XXXX number to verify but they still insist my coverage lapsed from XX/XX/XXXX-XX/XX/XXXX. I resend the policys, I have XXXX resend the policies, no luck. I go into a local branch in XXXX FL and show the representative the policies. She forwards the copies to their main office and then calls them. They STILL think I should be charged the {$67.00} even with all the documentation. They also see nothing wrong with breaking the law ( or even following their own verbiage in their letter ) and not waiting 45 days after XX/XX/XXXX before charging me.
They will not honor my online request ( filled out at their website ) to freeze my credit. They give no explanation and do no provide a human customer service rep to speak with. The website says I will need to send them ( through the US postal service ) very personal information, including Social security number, gov. issued photo ID, a utility bill, D.O.B, etc. in order to fulfill my request. All this info could be intercepted by someone ( stealing mail is very common crime these days ) and used to open accts in my name.
For the past several months I 've been paying extra principal ( or so I thought ) each month when I sent in my auto payment. When I called this week I discovered the extra money I 've been sending has simply been paying any additional interest rather than paying down the balance as intended. So now I 'm paid ahead a month or more when I want to have my balance lowered as intended. When I contacted customer service they attempted to make me feel like this is a benefit to me, in case I do n't want to make a payment in the future I wo n't have to since I 'm paid ahead. Seems like flawed logic at best and outright robbery at worst. Why would I pay extra for any reason other than applying it to principal. If the lender does n't know how I wanted the money applied they could simply ask me. Seems to me they are lining their pockets by applying to my additional payment amount to interest rather than principal thus dragging my loan out further than I desire
I purchased a car on Saturday, XXXX. I was pre-approved for a loan from USAA for a 48 month 2.5 % fixed rate auto loan. I went to the auto dealership, and they were able to offer me a 1.99 % fixed rate. I called USAA to see how to close out the loan I was pre-approved for, and to see if they could match or beat the dealer 's rate ( through XXXX XXXX XXXX ). The representative said since I had been in the XXXX, and I was a USAA member for 20+ years, he could give me a $ XXXX loan at 1.49 %. I was thrilled, and told the dealer I would n't use their financing. But when the representative from USAA told me the 5 year loan for $ XXXX would be almost {$500.00} a month that did n't seem right. After questioning the USAA representative he told me that there was a {$1200.00} origination fee for the car loan. This was not mentioned at the beginning of the process, and was far from transparent. That effectively added over 4 % to the interest rate, but was hidden as a fee. 
I 've been in banking for over 20 years, and knew enough to push back and ask questions. A brand new XXXX or a XXXX would not have known about the CFPB and what UDAP is. Perhaps USAA would have eventually clarified the fee and it 's impact to my loan. But hiding {$1200.00} on a $ XXXX loan is completely unacceptable. This materially changed the transaction, it was not disclosed, and it intentionally targeted military service members or former service members. I strongly believe this was an Unfair or Deceptive Act or Practice ( UDAP ). If this did not violate UDAP in the letter it definitely violated the spirit.