WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried numerous of time to have late payments remove from account that are hurting my credit score. I was never late and have tried several times writing good will letters but no help.
I have a Rushcard. Where do I start? My paychecks were deposited late and my balance has continued to be wrong. My card is not working for some bills. My car payment and credit cards are now late and have been assessed fees. IXXXXwas forced to pay out additional money to keep utlites on because i failed to keep original agreements. Customer service is not taking calls. It hangs up on you or you wait on hold for hours. Items having been pending for 10+ days. iXXXXhave been overcharged at the gas pump and double charged for online purchases that occurred prior to realizing my account was having a problem
I reported my car stolen on XX/XX/2016 with the XXXX Police Department. When I called Skopos to let them know my car was stolen they said they repossessed it. When I asked why I was told I was 3 months behind - XX/XX/2016. When I faxed proof of payment and called back the next day I got XXXX the manager. She said she the gal I spoke to before told me incorrectly and I was 3 months behind. When I asked which 3 months, XXXX said she did n't know. I told her I reported it stolen with XXXX Police, and my insurance company and she said - you have insurance? I asked if I could get my personal items from the car and she would not tell me where I could get my personal items - coat, cds, or other items from my car. When the XXXX Police ran my information my car has never been reported as repo. Today I received a letter stating my car would be sold after XX/XX/2016. I have never received any type of payment coupons or notices from Skopos so I would still send in my payments. XXXX kept stating that I filed bankruptcy and that 's how my car was 3 months behind. I told her I filed bankruptcy over 2 years ago and asked why was n't I notified or why it was taken then. No response. I have an attorney that has been trying to contact them and will not return her calls. I have filed complaints with the XXXX Attorney General, XXXX Attorney General and XXXX. XXXX said they will contact the company but I have not received a response. NEVER get a loan from Skopos.
During the mortgage process I asked the lender to match the rate of the competitor. They obliged my request but failed to disclose that they obtained that rate not by matching it but by having me pay points to buy the lower rate. It was not broken out separately in the closing documents and was only brought to my attention when the tax statement for points paid arrived.
On XX/XX/18, I received a letter saying Capital One had already closed my account due to inactivity. I phoned customer service and asked if there was any way I could make a charge to my account and keep it open, and the customer service representative told me he was unable to reopen my account but that I was welcome to re-apply. As a XXXX XXXX with limited income, I knew my odds for acceptance would not be good. Sure enough, the online system denied my application. I wrote a letter asking Capital One to reinstate my account and on XX/XX/18 received a letter saying it would not reinstate my account but that I was welcome to re-apply. Sure enough, I received a letter in XX/XX/XXXX saying I was not approved for a Capital One credit card.
I opened an American Express Bluebird account for my kids and grandkids. With this account you have a choice of adding funds at a XXXX or online. I tried to add fund online and I received a security notice. I called the security number and I was told I need to email them my driver license or stay on the line while they call my bank while I verify my information. I told them no I will not email my driver license to them in XXXX XXXX they said then I ca n't use my account
I have a checking and saving account with XXXX XXXX and they are reporting all of my private banking information which includes my daily balances, who I wrote checks and what deposit that I make to a company called Early Warning Services. I have contacted XXXX XXXX over the phone and in a branch and know one is able to tell me anything about this company and how are there legally allowed to know everything about my checking information.
Charged for forced place insurance when private insurance was active. 

The property has been insured by the same insurance company, XXXX, for twenty-five years without lapse of coverage. 
XX/XX/XXXX - Seterus  Incorporated received a policy renewal notice XX/XX/XXXX - Seterus Incorporated paid {$2900.00} for policy renewal XX/XX/XXXX, XXXX Effective date of policy XX/XX/XXXX - Policy changes after review XX/XX/XXXX - XXXX forwarded new policy to Seterus Incorporated, documentation available XX/XX/XXXX - XXXX issued Seterus Incorporated an adjustment of {$600.00} XX/XX/XXXX - Seterus Incorporated posts adjustment XX/XX/XXXX - Seterus Incorporated writes letter stating insurance has expired XX/XX/XXXX - I faxed Seterus Incorporation the policy information again, documentation available. 
XX/XX/XXXX FORCED-PLACE insurance activated Seterus Incorporated is in violation of Title 12 chapter 27 2605 ( k ). Seterus Incorporated had documentation, supplied by myself and the insurance company, that should have brought into question Seterus Incorporations ASSUMPTION that property insurance was not in force. 

Additionally, though this would take some thought, a yearly policy that cost {$2900.00} canceled forty-five days after activation should warrant a refund of about {$2500.00} NOT {$600.00}.
In XXXX when I entered repayment on my loans with FedLoan Servicing, I filed one application to be placed on income dependent payments. In XXXX I filed my annual recertification, and I was notified that I was approved until XXXX of XXXX. In XXXX of XXXX I was notified that because I had not filed my application for recertification, FedLoan has jumped my payment to the standard repayment amount. The previous and last communication was that I was good until XXXX of XXXX. Now I must to file two identical applications within five months of each other? I do n't understand. Why ca n't FedLoan use the same application? Why was n't I given clear information? Who over-sees FedLoan?
I spoke with a representative with Freedom Mortgage Corporation  who advised that the company does not permit account holders to initiate or make payments through its online payment portal, other than the exact amount equal to the monthly loan payment. This representative advised one of the alternative methods is if the consumer/account holder initiates a payment through their customer service number, yet is assessed a fee. I believe that this company 's policy only impedes consumers/account holders from making multiple payment, and is detrimental and burdensome to its account holders. Additionally, the archaic online payment system is simply abnormal business practice. Banks and consumer credit card companies maintain online payment portals that allow its consumers/account holders the ability to issue 1 or several payments in real time, or scheduled in advance.
I am an American Express Serve card holder, and Im currently having problems with direct deposit. Several other customers are having the same issue and the company os offering us absolutely no details and have had the same response for days. Ive been hung up on by customer service reps, told multiple different etas as to when I will get my funds, and jus been treated with the impression that the company does not care. All the have offered any of the customers is template responses that change every few hours. We all have bills to pay and this company is holding all of our money with no explanation.
Portfolio Recovery Associates. Amount : {$540.00} Company has not provided me with any viable evidence bearing my signiture for this debt. Please remove from my credit files.
I have been in touch with several Ocwen representatives over the last 7 weeks in an attempt to take the necessary actions to remove the PMI on my account. I have been given different information by each associate and my requests for a valuation, personal appraiser requirements, timing, and payoff have gone unanswered ( note : I have a full record of the associates, dates and information I was given if requested ). I have made formal requests via email and US mail. None of the responses to my letters addressed my actual requests and each time I called the customer care line I was given the run around. It truly seems as if the associates are trained to be misleading and provide limited information and assistance so that Ocwen can benefit by continuing to receive financial rewards. In my most recent letter to Ocwen, sent via email and US post on XXXX/XXXX/15, I provided details and dates of all of my calls and requested in writing the following information. 
1. Cost and timing for completion of an Ocwen-managed valuation. 
2. Confirmation that Ocwen will accept private appraisals, and if so, which vendors must be used. ( I was told by a few associates that a private appraisal was acceptable however I received a letter from Ocwen dated XXXX XXXX, 2015 that states " If requested me must receive a current property valuation procured through OUR vendor '' ). 
3. The date that the principal would meet the criteria ( LTV = 80 % ) to remove the PMI if I continue to make standard payments. 
4. What is the current amount that, if paid immediately, will permit the removal of PMI from my mortgage. 
5. The name of a contact at Ocwen, located in XXXX XXXX XXXX, FL, that I can contact directly for assistance with this process. 
Again, I have received no response to this request.
I did not receive notice of debt from the primary party upon moving from my apartment. My credit report was pulled and it showed as a derogatory amount owed to a collection company. I reached out to the primary party with concerns as to why this was reported, and why I owed them, they stated it was from minor cleaning, and carpet shampooing when I moved, and stated they were no longer able to assist with clearing it to contact NCS. I contacted NCS several times and was told that if the primary party requested it to be deleted they would do so. The primary party then contacted them and asked for it to be deleted and they are refusing to do so. One customer service rep. Stated that I should just pay it and let the {$0.00} balance be reflected on my credit report, he went on to state that even if the primary party asked for it to be deleted, they will not do so because they filed it with the collection agency. I have been yelled at, hung up on, and received unethical advice from this collections agency. I was not greeted or spoke to in a calm and professional matter. I did not receive the ability to resolve the debt in a fair & professional way.
On XXXX XXXX, XXXX, I suffered a loss of personal property due to fire. This personal property was covered under my homeowners insurance policy with XXXX XXXX Virginia XXXX XXXX XXXX. When I contacted the insurance company I was informed that my policy had canceled back in XXXX of XXXX due to " Non payment of premiums '' On XXXX XXXX, XXXX, I contacted Selene Finance my mortgage servicer who maintains the escrow account for my homeowners insurance. From the on set, Selene Finance maintained they paid the policy and had confirmation of policy being active as of XXXX XXXX, XXXX - XXXX XXXX, XXXX. Yet Selene Finance has been negligent in providing written prove of the same, as well as not pursuing valid confirmation of the policies statues in a timely manner. Being VPI outlined in a letter of XXXX XXXX, XXXX, ( attached ) payments received for my policy in the amount of {$860.00} and {$250.00}, when the total premiums due was {$1400.00}. Even with a copy of the cancellation notice, which sites both the premium due of {$1400.00} and the reason for cancellation being " Non Payment of premiums '' Selene has refused to assume fault and pay my claim. Continually maintaining in " Bad Faith '' they paid, with no documentation of proof, all the while maintaining unethical business practices by ignoring my request for payment of my claim despite the fact they have not provided proof of their claims. Selene Finance and its insurance department XXXX XXXX XXXX, failed to maintain the policy and mis managed my escrow account, and continues to show " Bad Faith '' in honoring its duties to myself regarding servicing my mortgage loan. I have repeatedly asked Selene Finance, in written request and verbally in our phone conversation, for documentation of their claims, that premiums where paid and proof of an active policy for the period stated. 
Selene Finance personnel and it 's insurance department personnel have not, to date provided me proof in writing of their claims of payment of all premiums or valid policy for the period stated. Selene Finance and it 's insurance department XXXX XXXX XXXX continue to conduct themselves in an untrustworthy manner by avoiding my calls, not return my calls or honoring my written request for the same. When a Selene Finance or XXXX XXXX XXXX personnel is reached by phone, they claim they need time to research and will get back to me but do not, or pass me to someone else who could not be reached or would not return calls, and as far as researching the issue, I been run around since XXXX XXXX, XXXX and the only letter I received from Selene Finance on XXXX XXXX, XXXX, was filled inaccurate statements and information amounting to the same answers from previous phone conversations with Selene Finance. Which maintain they had paid the premiums and policy was in effect. Which is false and inaccurate, Selene Finance has never produced payments totaling {$1400.00} nor has Selene Finance produced a document stating insurance was enforced from XXXX XXXX, XXXX - XXXX XXXX, XXXX. Yet Selene Finance continues to act in a fraudulent manner in refuse to pay my claim of {$14000.00} without any reasonable or proven cause not to pay my claim.
On XXXX17 my automatic mortgage payment deducted {$890.00} from my savings account to pay my mortgage. On the same date, I deposited {$900.00} to cover this amount in full. On my electronic statements both of these transactions are listed as being completed on XXXX17. I then received an insufficient funds notification. Their company policy according to service reps I have spoken to in the past is that if a deposit and withdrawal take place on the same date then there is technically no insufficient funds. The payment " presented '' the day before and therefore charged me for insufficient funds for a transaction that would take place the NEXT BUSINESS day.
Again, I am penalized for funds not being available the day BEFORE the financial transaction posted and was withdrawn from my account. Customer service argues the semantics of this magical " presentation '' of my payment rather than accept responsibility for an error in their policy vs practice.
XXXX XXXX failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of XXXX XXXX pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my Sagestream report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my Sagestream with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to XXXX XXXX to make a decision simply for a store card seems to be illegal in my opinion. How can XXXX XXXX do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!
I checked my score then weeks later i recived a letter from XXXX XXXX XXXX that a identity alert has a block on my credit and i need to respond. so everything checks out fine. please remove this alert block off my credit thank you
I have disputed the late payments on this XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
For the second time, Bank of America turned off the email alerts I normally receive that alert me that my monthly bill is coming due. For multiple months, I did not receive this alert and now my bill is past due. I have more than enough money to pay the bill and have now done so, but I incurred late fees and charges that I should not have.
On XX/XX/2018 I received a letter from XXXX XXXX XXXX , XXXX  offering a payment plan for a debt that I have received no prior communications or opportunities to dispute.
My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that Credco is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the Credco report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. XXXX XXXX XXXX XXXX refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.
I am a victim of identity theft. Someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX. I never applied for an account with XXXX. I been receiving harassing and threatening telephone calls and death threats from XXXX XXXX XXXX in regards to the unauthorized and fraudulent account and debt. The account do not belong to me.
XXXX has repeatedly over charged me for almost 3 yrs. & declined to accept responsibility or adequately fix the problem. They disconnected my service in XX/XX/2013 & continue to say yrs. later that I owe them {$200.00} for which I do n't. They never atoned for the over charges to my account nor fixed the problems that continued to over charge me on " specials '' that they supposedly gave me & reniged on each month. I reported them to the FCC numerous times yet they still failed to correct the billing errors. They continue to send XXXX party collectors after me who harass me by phone for a month or more, then begin sending letters, then ding my credit if I do n't respond which I do n't. This will be the XXXX 3rd party collector they 've sent after me that 's failed to collect on the debt. I told this co. not to call me again. They harassed me 10 times a day with robocalls even when their office was closed on the weekends! I told them I do n't owe XXXX money & to leave me alone. They continue to harass me ignoring what I said. I refuse to pay them or XXXX anything! If anyone owes anyone money, XXXX owes me for over charging me for almost 3 yrs. for their service when they set me up on specials that seemingly expired the next month. I do believe that 's called bait and switch. I want this collection co. to back off & if they ding my credit I will hire an attorney & sue both them and XXXX once & for all. I do n't owe them money & will never ever pay them! They 've been sending their pit bulls after me for more than 2 yrs. enough is enough! It has to stop. Each time they sic a new collector on me I 'll get an attorney & report them to whomever for harassment. They need to drop this debt & move on to something they are able to collect. This one will never come to fruition!
I've sent certified letters to XXXX  XXXX XXXX , XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to Equifax and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX  XXXX XXXX sent a collection letter stating that they have received an EOSCAR dispute online from me which is not true. They are basically admitting to using EOSCAR. Any automated response or EOSCAR verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
I disputed an item with Experian that is too old to be reporting, As of today they refused to acknowledge my request of reinvestiating the item to be too old to report.
I have contacted this company and asked them to validate this debt and to send me the original contract from when this account was first started, they in return sent me someones bill saying the debt has been verified! Verified by who? I do not know because I am still waiting on the contract with my signature that I originally asked for. Under the fair credit reporting act I have a right to see the contract of anything that I allegedly owe. Several times I have sent the same letter to the company, with the first date being back in XX/XX/XXXX and I still have not received what I requested. As a bill from someone ( not me ) is not validation. I dont know who opened this account but it was not me
XXXX, XXXX XXXX  card. 
we only use our card 1 time a month. XXXX says we owe {$1000.00}, we only go up to {$100.00} if nessesary. 
we contacted XXXX and told them that our card was scanned by a card reader illegally. 
we feel that we have paid enough on this bill. XXXX wouldn't work with us. 
we have been paying on this for 9 months. and it seems like it is going up. whats going on with this company?
I do not know dates and have never heard of  United Revenue Corp. This is Fraud a nd is not my debt. They have  XXXX  accounts that report on my credit as medical. They are not mine. They also have and continue to violate  my HIPAA and PHI rights by  communicating HIPAA/PHI protected information to third parties without my consent.     Direct Violation of all HIPAA rights and laws.