WillisBack/dataset-financial-user-claim huggingface dataset:
Name on Mortgage : XXXX XXXX ( XXXX XXXX XXXX ) Name on deed : XXXX XXXX  XXXX Mortgage Holder : PHH Mortgage, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Loan Number : XXXX First Payment Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Unpaid Late Charges : {$0.00} On XX/XX/XXXX I received a monthly mortgage statement demanding payment by XX/XX/XXXX for my monthly mortgage amount. This statement was the first statement that I have received in 7 years. I have paid my mortgage electronically from the same bank since the inception of the loan in XX/XX/XXXX. Ergo, there have been no late payments during the life of the loan. When I called the number on the statement I spoke to XXXX, XXXX  Agent in the XXXX. He kept on saying many times that he had no record of any of my payments and that I would have to go to my bank and make arrangements to set up automatic payments if that is what I wanted to do. He could not offer any other solution to the discrepancy. I have computer documentation from my bank and PHH mortgage showing that I have fully complied with the payment provision of my loan through the XX/XX/XXXX. This morning I have a print out of my latest bank statement showing my XX/XX/XXXX payment cleared and was collected by PHH Mortgage. When I checked my account with PHH, when I log in it says : You do not have any account associated with your profile. This incident is the most current of a whole litany of unpleasant experiences with PHH Mortgage over the past 7 years. 
I am in the process of refinancing my loan with XXXX XXXX and I view the latest actions by PHH mortgage as nothing but harassment to help them retain a good paying customer. I am concerned the PHH Mortgage will jeopardize my refinance application and may also start charging me late fees and ruin my sterling credit rating. Anything that you could do to mitigate the impending situation would be greatly appreciated. 
XXXX XXXX
I opened a checking account with CITI bank back to XX/XX/2018. Citi advertised that there was a {$400.00} bonus after depositing XXXX dollars in the checking account for 60 days. I fulfill the requirement and confirmed with the online chat representative that the bonus would arrive no later that XXXX. However, It has not arrived yet until now ( XXXX ). Also, I filed a claim with Citi bank on XXXX. I was told it would 3 to 7 business days to complete my request. 8 business days have passed. No follow up, no bonus, nothing. I was charged XXXX dollars for not maintaining enough money in my account according to their terms & condition. When they break the terms & condition, there is nothing I could do. Will not banking with Citi again
XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX XXXX   XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS XXXX, XXXX, EXPERIAN AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX XXXX XXXX PRESIDENT OF US INFO, AND XXXX XXXX EXECUTIVE VICE PRESIDENT OF XXXX XXXX AND XXXX XXXX XXXX OF XXXX  XXXX, AND XXXX XXXX SENIOR VICE PRESIDENT OF XXXX XXXX AND ALSO XXXX XXXX PRESIDENT OF US COMMERCIAL SERVICES AND CORPORATE CHIEF CLIENT OFFICER OF XXXX, ALONG WITH EXPERIAN ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT XXXX AND ALSO XXXX XXXX EXECUTIVE VICE PRESIDENT AT XXXX  XXXX! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!
Experian is allowing numerous accounts to remain on my credit report some well past the date they should have dropped off.
I have a VA loan originated with USAA. Initially, no problems however approximately 2 years ago USAA begun using a Sub-Contract company to service the mortgage, " XXXX XXXX XXXX ''. Since that time my payment due date continues to shift. I pay my mortgage AT LEAST one month ahead of time. With the shifting due dates USAA and XXXX XXXX XXXXXXXX are leading me to believe that the mortgage payment will be due sooner than it should be. I have continuously contacted both companies and each blame the other for the issue. 

This is textbook deceptive business practice. It is purposely going on in order to confuse the consumer and lead them to believe that their mortgage may be late in order to garnish money well before it is due. I have been trying to fix this issue MONTHLY directly with both companies for over two years to no avail.
They keep calling me and wo n't say who they are, just that they were hired to collect a debit I owe. And when I try to explain that I do n't owe any XXXX they start saying they are sending someone to my home with a summons. They are now harassing me. How can I make this stop?
I recieved an pre-approval offer for Discover It in the mail. I called to see what I was really approved and the agent told me yes! I applied and was declined. I called in to several different people for help and they told me they apologized but they cant help me get the negative credit reporting removed from my credit for Discover.
Since XXXX/XXXX/2015 I have attempted to pull my Experian credit report to no avail. When I go to XXXX to pull a copy of my credit file, I recieve a message stating that I have already obtained my credit report within the allowed time and directs me to experian.com. The prompts direct me to buy my FICO score and credit report. I bought the seven day plan for {$1.00}. This is not the type of report I am looking for. I have a few problems here : 1. ) I do not want to buy my FICO score, I only want my credit file. 2. ) The format is not consumer friendly ( i.e. everything is in boxes and will not provide the payment history with dates e.g. date of last payment & date of first delinquency ). Without this information how am I to understand what needs improvement. 3. ) When I call their number ( XXXX ) and explain what it is that I need ... I am told that " I need to call Experian the credit reporting agency '' because I am speaking to Experian online Direct and they are not the same company. They have no way of providing me with my " credit file ''. According to the last rep I spoke to a regular credit report is called a " credit file ''.
When applying for a loan to refinance my home I received what I felt was an unfair home appraisal. When I explained to my loan officer something seemed way off as there was an approximate {$50000.00} difference I was left to believe I could fight it but they rarely get overturned. After receiving a copy of the home appraisal to review 6 days later in the mail I immediately sent an email the following day stating the issues that I found and requested they look into the discrepancy. I was contacted by an escalation team the following day only to be told my loan was closed and that I needed to fill out another application. I questioned what the timeframe was to dispute an appraisal and have been waiting 4 business days for a response. I have requested to speak to a manager several times however the associate told me they would not be contacting me until they get an answer from their underwriter regarding the timeframe to dispute a loan. After listing my concerns with the loan officer to the escalation associate and stating I refused to work with them further and requested a new loan officer be assigned to me I was still told I needed to work with my current loan officer to fill out another application. The service has been the worst I have ever experienced.
Toward the end of XXXX XXXX my father died. He had XXXX bank accounts at Bank of America. XXXX of those accounts were simply in his name, XXXX was in the name of the XXXX XXXX. Beginning in XXXX, XXXX I went into the bank with all necessary ( which I believed necessary, as I had already dealt satisfactorily with XXXX XXXX Bank -- where my father had XXXX accounts ) documents, such as death certificate, the Trust document proving I was the only heir and Successor Trustee all my ID ( and may I state my husband and I have considerable funds deposited in B of A. ) Starting in XXXX, I was made to come in XXXX separate times ( and the result is still in question ) to settle this matter!! Each time the bank manager went to the back, supposedly faxed all necessary paperwork to their Trust Division ( which happens to be back XXXX ) and said " It 's all done, just wait for the check in the mail. '' Within XXXX3 weeks I would then receive a letter from the Trust division stating they still needed paperwork. Not only was I getting upset, the bank manager was also -- stating this never happened before. Although I am not in need of the monies, I began thinking of people who may actually need funds soon after a death -- to pay for funeral expenses, maintain a house that existed in the will, etc. I began thinking the B of A. seems to be unnecessarily stalling people from getting what is legally theirs. It has been over three months!! and I still have n't seen final resolution.
On XXXX/XXXX/2016, I attempted to purchase my credit report from Experian. After several failed attempts, I made a call to their customer service line. I was told that because my " old account had expired ... I would have to create a new profile account to purchase the report '' I followed those directions and was again blocked by their system ... yet, they charged my XXXX XXXX XXXX XXXX for purchase price of the reports at an amount of {$19.00}. I again called customer service and got the response that " your account is expired '' ... but with a slightly different twist ... '' because my account has expired, my payment liked to an expired account ... but the system is unable to give me a credit report. '' Experian charged my credit card twice ... but is unable to produce a report for the charges. The Experian customer service rep said she would send a " ticket to have my charge refunded to my XXXX XXXX account ... in 2 - 3 business days. '' But, they could n't tell me how to get a credit report because while I used a different user name, at least according to their system, my info somehow continues to link to an older expired account which means I ca n't get a report. Experian is one of the major credit reporting agencies. I 'm stuck as a consumer when I need to check my credit report and I ca n't get a copy because their system is n't working properly. What should have taken me about 5 minutes has consumed the better part of an hour of my time. Your assistance with this would be greatly appreciated. I 've already gotten my free report for the year ... so that 's not an option. I just wanted to check my credit before making a change in credit cards ... this is quite frustrating.
Dear Sir or Madam : In Re : loan # XXXX reason for me writing is that I am in the middle of a loan modification but are also in the middle of a foreclosure file by Nationstar Mortgage behind your back, who scheduled a sale of my property for XXXX XXXX, 2015, that I was not aware of, feeling secure while relying on the mortgage company 's promise that they " we will not foreclose while I am in the process of obtaining a loan modification. 

Furthermore, I believe the mortgage had already turned my loan over to a foreclosure attorney while luring me into believing that they are trying to work on a loan modification. This due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan modification process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted the form XXXX, Hardship Affidavit ; and Dodd-Frank Certification to my dedicated loan Specialist XXXX XXXX XXXX who is working on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX
We sent back XXXX XXXX XXXX equipment on XXXX XXXX and XXXX XXXX XXXX received the equipment a day later on XXXX XXXX. Debt collector started calling me on XX/XX/XXXX a few times a day. Finally I answered the phone on XX/XX/XXXX. Told them that I do n't owe anything, I sent the equipment back to XXXX XXXX XXXX and they should contact XXXX XXXX XXXX. Told them to stop harassing me. Instead of contacting XXXX XXXX XXXX they kept harassing me by calling a few times a day. On XX/XX/XXXX I answered the phone and told them the same thing again. Then I got a letter from the debt collector to pay or dispute. Which I 'm disputing it. I called XXXX XXXX XXXX again just to make sure that I did n't owe anything, which I do n't.
I was diagnosed with XXXX while studying medicine out of state in Alaska. Since the insurance was through a Washington state coverage ( my home state ) I had to get prespptoval for treatment out of state. I thought bills had been paid by insurance and later learned the had failed to cover the initial XXXX XXXX performed in Alaska as well as a number of follow-up visits which were in Washington state, where the major treatment was performed. The insurance company also failed to cover needed supplies for my XXXX XXXX materials. 
All this has resulted in damaging my credit when I THOUGHT I was completely covered. XXXX, XXXX, XXXX, XXXX were covered for the most part but the few items they never paid adversely affecting my credit.
Bank of America, is holding funds from coming into my account so they are not available and debits payments. So that I am charged an overdraft fee.
I disputed a Collection with Transunion. XXXX XXXX XXXX. # XXXX. The original account was with XXXX ; account # : XXXX ; it has been sold to XXXX XXXX XXXX, XXXX, I got the m to remove it, and then to XXXX XXXX XXXX and I believe a few other ones. Also, this account is not mine, I have already proved a few times, that this account belonged to a relative and they did not pay and for some reason, all of these companies have been trying to come after me. On XXXX XXXX, XXXX ; I already got Transunion to delete this alleged account from my file, because it was never mine and today ; now.. XXXX XXXX, XXXX ; they are stating XXXX XXXX XXXX is remaining on my credit report until XXXX XXXX. I am asking for your help, once again, CFPB has already helped me with this same issue and same original account number once before ; back in XXXX XXXX ; this issue was XXXX again removed with your help, it seems as if the account is being sold here and there and I am having to deal with this at least once a year. Please help me remove and please help me stop the collection agencies from repeating of selling this account. Again this is not my account and it never was my account. 

I do n't have a scanner ; but the original case # s were : XXXX and XXXX.
The number continuously calls, at least XXXX to four times a day, sometimes more. I always answer and every time I do the person in the other line never speaks, they just hold the line. Only once has a person ever spoken and when they did they asked for my social security number and said I needed to give them my number in order to move on with the process of the phone call. They have called everyday multiple times a day for almost two weeks now.
I have disputed with Equifax on two different time frames regarding my public record. I did not file for bankruptcy. I contact the BK court house and they informed me, they do not provide any information to the credit bureau, and they are not held responsible for inacurate information that maybe collected by third parties. Equifax is in vilation of Fair Credit Reporting Act 623 ( a ) ( 3 ). I never filed for bankruptcy and this public record needs to be deleted permanently, from my credit report. My next step is to file smal claims. I also, sent the Equifax XXXX XXXX, CEO a copy of my dispute letter. 
Equifax, has not verified nor validated the bankruptcy, providing my signature at the bankruptcy court house, the court house does n't communicate to the che credit bureaus. I
I had a contract with XXXX in 2010. My contract ended with XXXX and I switched over to a different company. I paid my bill to XXXX balance. I received a collection notice from Midland stating their are collecting a debt. I contacted XXXX, spoke to a representative stating my account is XXXX balance. I asked why is Midland reaching out to me to collect a debt. no answer. I understand XXXX was sued because they were charging unauthorized downloads etc ... Since the loss of the XXXX, the validations of the charges are inaccurate. feeling confuse.
I recently had a credit card cancelled due to information in my Equifax report. I have attempted to request a copy of the report through the Equifax web site, and find that although Equifax claims that you can request a report under these circumstances from the site, it is difficult or impossible to do so and Equifax steers you toward purchasing a report. Information on how to obtain a free report through the site is hard to find and results in broken links when you do find it.
XXXX XXXX XXXX, who used XXXX XXXX, and then is using Law Offices Blatt, Hasenmiller, Leibsker & Moore - who continue collection actions after a debt has been discharged by the XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX # XXXX ). My husband received a community discharge from the court in XXXX 2017 -- - As you may know, XXXX is where my husband lives and works and XXXX where I reside they are both community property states. In these states, property, and debt acquired during the marriage is considered the joint property of both spouses. As a result, in community property states, we each are entitled to a one half-share of all marital property and equally responsible for all community debts, also known as marital debts. When the Federal Judge closed my husbands bankruptcy case, and since we both reside in XXXX and XXXX, we are automatically protected by what is known as a community discharge. Which means that if we received a community discharge, even if my husband filed alone. The debt that was acquired during our marriage either in our names or my name or his name that discharge extends to me as well. Creditors such as XXXX XXXX are prohibited from attempting to collect the debt from me since I share 50 of the marital property, both presently and acquired in the future. Even after XXXX has received many notices, and a notice from XXXX and the FDIC - they continued to send me invoices during the bankruptcy automatic stay. This community discharge only lasts for the life of the marriage. Please see section 524 of the Bankruptcy Code.
On XX/XX/XXXX, I enrolled my American Express card into this promotional offer ( see attached for email confirmation ) : use your enrolled Card to spend {$350.00} in one or more transactions in-store at XXXX XXXX or XXXX XXXX or online at XXXX or XXXX by XX/XX/XXXX. Earn XXXX additional Membership Rewards points, one time. 

On XX/XX/XXXX, after the enrollment I made on purchase for {$350.00} on XXXX and received American Express email confirmation that I will receive XXXX within XXXX days. Please see attached. 

On XX/XX/XXXX, after many calls following up with American Express, they refuse to honor the promotion. A disappointing scam as I would not have made the purchase on XXXX if it was n't for this promotion. I 've been with American Express for so many years and this is the first time I 've been so ready to discontinue my relationship with it.
According to Trident Asset Management, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012,  when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. XXXX and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as Trident is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on Trident Asset Management. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.
On XX/XX/18 I've noticed a wrong transaction to my checking account at Chase Bank. 
I called them right away asking them not to pay for it cause I did not recognize it. The customer service I spoke with told me that they will investigate the matter as soon as possible then reimburse to me my money. After three day they posted my {$730.00} back I taught everything was ok till we were under Hurricanes warning XXXX rushed to go put gas in to my family cars then realized my account was overdraft. I was trapped with my kids without foods for the whole hurricanes time until my younger brother XXXX borrow to me {$500.00}. When I went back to them they told me the merchant state that I was their customer and the paid them their money. They wired that money to someone in California from a XXXX XXXX branch to someone name XXXX XXXX account. 
Thanks
Today, Optimum Outcomes reported a medical bill on my credit report. They did not send me a notice of my right to dispute before reporting this bill, so that is a violation of the Fair Debt Collection Practices Act.
Lender charged my debit card without my authorization. My bank is XXXX XXXX XXXX in KY.
In XX/XX/XXXX I purchased a XXXX from XX/XX/XXXX. Our credit was pretty bad at the time, and foolishly we signed for a high interest loan on this car. We have paid $ XXXX since the purchase date. Payoff right now is {$20000.00} plus on an {$18000.00} car! Not one dime has went toward the interest. Every cent has been going to the interest. They refuse to let me talk to someone to tell me why, and make excuses for why it is all interest. There is no possible way to get out from under this loan, or even come close to paying it off. We have had probably 20 car loans during the course of mine and spouses lifetime. NEVER have we ever had a loan where the principal continues to grow, no matter if we were late, early or on time! Please help us!
On XX/XX/19 I received a phone voicemail stating that they were locating me and it was their final attemp or they were going to serve me with papers. I called the numb er back and they had record of my bankruptcy about when it was filed and discharged but told me that they were not included. I advised them that they were and offered to send over info they told me i can bring it to court. If they were not included then how would they know the info to my bankruptcy. They continued to call 5times afterwrds.