WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is XXXX XXXX. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the XXXX XXXX  reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
XXXX XXXX does not care about its customers and is rated very poorly.
XXXX debt collection companies, XXXX Portfolio Recovery Assoc, LLC Failed to notify credit report agencies as promised, once the Judgement was satisfied XXXX just shuttled me between operators. promising and address to send pertinent information
This organization ( XXXX XXXX ) has been bombarding my home phone ( XXXX ) almost hourly with calls in an effort to collect a debt to which I have no affiliation. I called back to attempt to resolve the problem, but they do not have any record on file for the number they are calling to which normally would be attached to an account. 

Calls are coming from various sources including but not limited to the following phone numbers ; XXXX XXXX XXXX XXXX These numbers have been reported as a spam risk by reverse phone look-up ( XXXX ) citing many other people with similar complaints.
I have used my credit card issued by XXXX Credit to make a purchase at XXXX XXXX. When I checked my credit card activity online I have realized that I have a PENDING charge for my purchase and other PENDING charge from XXXX XXXX XXXX. Please, see below and read the little print that it even EFFECTS my AVAILABLE CREDIT:XXXX PENDING XXXX CA XXXX XXXX $ XXXX PENDING XXXX CA XXXX XXXX $ XXXX Recent activity may not reflect all pending fees and charges*** This transaction is pending, which means it is not yet posted to your account or included in your Current Balance, but it may impact your Available Credit. The transaction should post within XXXX hours. Some transactions amounts may be rounded to the next highest XXXX amountWhat happens is this : the {$11.00} will never show as a balance on my credit card statement. It will go from pending to not showing at all. Someone is using my credit as a short term free loan. How is that possible. How can someone abuse my credit and get some free funds on me. The same thing just happened to my husband purchasing gas at XXXX. A gas purchase and a non-related charge from some unknown company. Please, see the supporting documentation. 

The XXXX XXXX is issued by Synchrony Bank pursuant to a license from XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX. 

Thank you.
Altough I already have a existing account with the company that doesnt pretain to the siruation at hand. On XX/XX/2017 a non-requested, unapproved, identity theft hard inquiry or opened account was made by and through : CONN CREDIT CORP XXXX. XXXX XXXX XXXX, TX XXXX
Im writing this correspondence because in XX/XX/XXXXmy husband and I did a loan modification on our home. I was laid off from my employer and was not able to find employment until late XX/XX/XXXX. At that time I was told that I can make partial payments in the amount of {$820.00}. We were told the remainder of the balance of our payment would be a rear age that we would have to pay at one lump sum or it would be figured into the modification. We were NOT told that this would negatively impact our credit. In the way of saying that we had made late payments because we were in an agreement with Wells Fargo. We had made a commitment to make the above payment in order to be approved for the modification. We had to make these payments for 3 months consecutively. Well our case sat on someones desk for 9/10 months as we continued to make the agreed to payment. I called and called, I finally wrote emails to CEO and CFO before anything would happen.
Fast forward to XX/XX/XXXX/XX/XX/XXXXI was laid off from my job again, agreed to a partial payment with Wells Fargo in the amount of {$850.00}, was not sent the agreement and again was not told that the partial payments would negatively affect my credit. My husband and I continued to make the payments in good faith thinking that we were doing the right thing. We agreed to a loan modification because we were told the rear age would be rolled into the loan modification and that our credit report would be updated.
I bring this up now because we are trying to purchase a new home and sell our current home and because Wells Fargo falsely reported these payments as late or misled my husband and I that they werent going to be late we are unable to purchase a new home. We had no idea that this is what happened until someone really explained it to us, and told us that this has been going on especially where Wells Fargo is concerned. My husband called in yesterday to obtain info on the modifications and he was placed on hold for 30 minutes and the person he was on the phone with couldnt find the info he was asking for. Either Wells Fargo doesnt have it together or your departments need better training on document retention. Im asking for you to correct this matter as soon as possible. I disputed the false reporting on my credit because for me it read as inaccurate because we were making the payment on time and the payments that were agreed to by both parties.
This is not my debt, you have three diffrent collections against me for {$290.00}, {$320.00}, {$530.00} PLEASE REMOVE FROM MY CREDIT REPORT!
I have been working with this agency, funded by tax payer dollars, since 2011 when I began paying on my student loans. It has been taxing to say the least. There are several ongoing issues that XXXX is unwilling to solve. These are as follows : Six months ( plus ) wait time for paperwork requests, and account questions Lost paperwork Qualifying payments that were once approved are later revoked No follow up after paperwork submission Although I have been diligently paying on my students loans on time and in the full amount requested, I have been met with alleged discrepancies that after two years and countless phone calls, no one at XXXX is able to rectify for me.
I settled a debt in 2012 - the agency never reported it to the credit bureau and the debt was sold again - I have paperwork to prove I paid this debt. The new agency - is threatening me and asking when I 'll be home. I tried to call them today to send them the paperwork and they refused to talk to me. I have disputed the amount with the XXXX today. I want this to stop - I paid the dept.
I was trying to settle the debt/make a deal, and MidLand Credit Management refused to take the dispute issues, alerts off the report. They know this is for a purpose of a mortgage, and so this is therefore sabotage. I ca n't even settle the debt. They are n't going to remove anything, knowing that this needs to be done for purpose of buying a home. These are foreigners who hate my American guts, and will do anything they can to make my life miserable and difficult. in other words, they refused to be helpful in any way.
I purchased a home in XXXX XXXX and as a result, my utilities had to be transferred or shut off completely. My XXXX account ( for internet only ) was one that would n't transfer, so I paid the balance in full and closed it with the intention of opening a new one for my new home. Not even a week later, I did just that and had them come out and install internet services. In XXXX XXXX, I did the same thing for my business : I opened a new XXXX account for internet services and had it installed at my business location. Shortly after that, I received a bill from a collection agency stating that I still owed them a balance of XXXX from my account prior to moving in XXXX XXXX. I disputed this with the collection agency and advised them that they would n't have let me establish two subsequent accounts had I still owed them money. The collection agency said they would take care of it and I never heard back from them. Now suddenly, on XXXX XXXX, XXXX, I get another bill from a collection agency named Convergent saying the same thing : That I owe XXXX a balance of XXXX. I am writing to vehemently dispute this charge. I do not owe XXXX any past balances. The only thing I owe them is what I pay every month for internet services at my home and business locations.
I called Bank of America ( BOA ) to have my PMI dropped on XX/XX/XXXX. They told me my PMI would automatically drop when I was below 80 % LTV. My account is auto drafted. I have never missed a payment. I have financed 4 homes via BOA. ( NEVER AGAIN ) I opened a paper statement in XX/XX/XXXX, flipped the bill over, and notice I am STILL being charged PMI. I call XX/XX/XXXX to ask why. BOA tells me I have to pay {$520.00} for a re-appraisal. I tell BOA, per the Home Owner Protection act, my PMI should have been removed in ~XX/XX/XXXX. BOA tells me the ONLY way to get my PMI dropped is to have the appraisal. I send in {$520.00} for the appraisal. BOA mails me a {$520.00} back and says I do not need an appraisal. They drop my PMI. I would like to recoup the ~ {$1700.00} that BOA charged me in PMI payments that I did not owe from XX/XX/XXXX until XX/XX/XXXX at {$92.00} per month. The Homeowner Protection Act is in place because customers have NOTORIOUSLY had difficultly getting their PMI dropped. After trying to work with BOA on Request ID XXXX and Case XXXX, I am reaching out to the CFPB for assistance in recovering payments that I did not owe BOA.
XXXX XXXX XXXX who handles the Public Service Loan Forgiveness program ignored 6 years of service, because they told us we did not choose the correct loan. During those six years they never communicated that we needed to switch the loan to qualify. Instead they left us to assume that we participating in the loan forgiveness program. Payments starting in XXXX should have qualified for student loan forgiveness and instead we have been left to pay the full amount. They deceive borrowers who have limited understanding on how the forgiveness plan works due to the complicated bureaucracy of paper work, multiple websites, and requirements. We will now be making payments in till XXXX instead of XXXX, the additional 7 years of payments will significantly hurt our family 's financial security. Why are people who work in service of others being treated so poorly by their own government?
I am being harassed by a 3rd party company named XXXX about my charged off car loan with XXXX XXXX XXXX. The people calling me from this company are calling themselves investigators. They have called my mom dad brother grandparents and friends all on the same day as calling me. They leave my family members voicemails, that say they are investigating me and need a call back. My family thinks that I have the police department looking for me. Today i spoke with Investigator XXXX XXXX, I did not provide her with any of my information and she disclosed my date of birth, the vehicle information from the loan and was very intimidating and harassing. I asked her to cease and decist and she said no. I asked her to stop calling my number and she said no. I gave her my phone number and said please dont call me i feel harassed and she said I am not harassing you and was very threatening to me about not giving her my information. I said stop calling and hung up. She called me right back again, I again said please dont call and I feel harassed and she said no. I finally got a manager on the phone. he said yes they are regulated by FDCPA but that they will not stop calling. He said I didnt give him my information so he doesnt have an account to document to stop calling. I told him that XXXX who just transfered me to him had my account as she had disclosed all of my personal information to me and he said he didnt know what i was talking about. I gave him my number and asked him not to call and he said he cant do that. I called this company back thinking i was calling a police department because i was under investigation for some reason. I am in the middle of settlement discussions with the original creditor XXXX, and I cant try to come up with money from family and friends to settle this loan, if they think the police are coming after me for something with them calling everyone telling people I am under investigation. Giving family and friends my account number to call back with. Anyone who called back with that account number would have been given my social, my date of birth, my loan information. Is this company miss using my personal information. Do i now have to worry about identity theft? I have major concerns and I am afraid this company will actually come to my home to talk to me in person, or threaten me. XXXX has also text messaged me and my family and friends all at the same time about this. Giving an account number out to everyone for this. My family asking me if everything was ok. I can not continue to be harassed about this.
WE APPLIED IN XXXX.XXXX LOAN OFFICER AT WELLS FARGO.WE HAD TO STRAITEN OUT SOME JUDGEMENTS TO XXXX XXXX WHICH WE DID AND THAT BROUGT OUR CREDIT SCORE TO GOOD /EXCELLENT.SO SHE BEGAN PROCES ON THE LOAN STATING,XXXX POINT WOULD BE OF IF WE TOOK CREDIT CLASS WHICH NEVER HAPPENED SHE SAID WOULD ONLY NEED XXXX DOLLARS WHICH IN THE END TURNED OUT TO BE XXXX TO CLOSE SO I EXCEPTED IT BECAUSE I HAD NO CHOICE.THE ADDRESS IS XXXX XXXX XXXX XXXX , XXXX XXXX, NEVADA.I DID EVERYTHING THEY ASKED FOR WITHOUT HESITATION, XXXX KEPT REQUESTING DIFFERENT ITEM ONE AT A TIME OVER MONTHS.WE PAID XXXX FOR APPRAISAL,XXXX STRUCTURAL,XXXX WELL INS, PUT IN XXXX XXXX.WE HAVE SEVERAL LETTERS PRE APPROVAL FOR THE LOAN FROM WELLS FARGO, WE WERE TO CLOSE XXXX XXXX BUT NEVER WAS ABLE TO GET A RETURN CALL FROM XXXX FOR 2 WWEKS .FINALLY WENT TO XXXX XXXX HER BOSS AND HE TOOK OVER I SPENT DAY AND HRS TRYING TO GET THIS CLOSE PROVIDING EVERY THING HE WANTED.IT WAS TO CLOSE XXXX XXXX BUT DIDNT WAS TO CLOSE BY XXXX XXXX BUT THEY WHERE DRAGGING IT ON CAUSING ANOTHER FEE TO RELOCK THE RATE IN AFTER HAVING US SIGN ANOTHER CHANGE OF LEASE.OPT.EVERYTHING WAS TO BE IN PLACE TO CLOSE.THEN THEY BRING UP AT THE VARY END THAT I NEED 3 MONTHS RESERXE WHICH SHOUD HAVE COME OUT SOONER PRIOR TO ALL THE EXPENSES THAT I HAVE MADE, THEY WOULD NOT RETURN MY CALL SO HERE I AM.I CAN NEVER RECOUP MY LAST YEAR OF STESS THEY HAVE CAUSED ME, I WOULD LIKE TO BE COMPED FOR ALL MY EXPENSES.THERE IS SO MUCH MORE TO THIS NIGHTMARE PLEASE HELP
We filed a complaint against Nationstar a couple of months ago because they had failed to work with us or give us an opportunity to resolve our mortgage issues with them. We have now completed the initial review, and frankly we are very concerned with the way the servicing of this loan has been handled, specifically the failure to review the loan for capitalization modification, cap and extend modification, in house programs or even a repayment plan. It is obvious that this is an avoidable foreclosure and also obvious that we do not have the necessary funds to reinstate the loan in full. We have been told that the payment is so low in relation to my current income that we ca n't fit into guidelines to LOWER our payment. My XXXX issue is that Nationstar miscalculated the income. But going back to the initial issue, I know there are programs where they put the late payments back into the balance and the payment goes up. Why are they not looking at this program? Also they are claiming to use specific formulas to calculate my income and they are making errors. Also they have provided a property value that is nearly 20 % off from what all of the neighborhood comparable sales show. I am not sure why Nationstar wo n't be forthright and work with me towards resolving this issue1. Miscalculated income : The RMA that was submitted with my application listed a W-2 income of approximately {$4500.00} per month. That is based on my salary, and the guaranteed income that is received each paycheck. However, the Nationstar underwriter calculated the W-2 income as {$7100.00} a month. This does not add up, unless the underwriter is making the misguided assumption that I receive vacation pay, paid time off, bonus pay and recognition pay and holiday pay EVERY SINGLE CHECK. That is not the case. I have provided the same paystubs that were used to calculate the income that was used in the last denial. I would like a senior underwriter to review this taking into account my salary and guaranteed income, not occasional bonuses, vacation pay etc. 


2. Inaccurate Property Value : Nationstar has somehow arbitrarily come up with a value of {$190000.00} for this property. However, there are XXXX comparable sold properties in my neighborhood with similar or LESS square footage and the average sale price is {$230000.00}. I have included a list of sold comparable properties with square footage and the sale price. Additionally, I have included a list of XXXX properties under contract in the same neighborhood, referred to as " comps '' and the average sales price of these properties is {$240000.00}. 

Based on these facts I assert that my current value is {$230000.00}, as opposed to the {$190000.00} that was calculated by Nationstar. 
Once again, I want to know why my loan was not reviewed for a capitalization modification or a repayment plan or even an in house program? Based on the documentation included in the Nationstar denial, their agents only looked at HAMP and HAMP Tier XXXX, even though I know these other programs exist. I am not sure why they are denying me access to these other programs.
Hello, we have big problem, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. 

Thank you.
I am writing to Correct inaccurate reporting on my Credit report. I am trying to get my life together and start a new career the beginning of the year so please help me out by deleting the inaccuracies. This is hindering me from Employment as well as other options. Thank you Here is the account that is inaccurate and need to be deleted from my report Immediately. 

XXXX XXXX Account # : XXXX Past Due : XXXX Shows XXXX XXXX Shows XXXX Equifax Shows XXXX. ( There should be no past due on a collection ) Date of last Active : XXXX Shows XX/XX/XXXX XXXX   shows XX/XX/XXXX Equifax Shows XX/XX/XXXX. 
Delete immediately for Inaccuracies.
I did n't receive my XXXX charge statement from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And it was n't until XX/XX/XXXX that I received a collection call letting me know I was past due. 

I honestly forgot I had performed a transaction on my card for around {$68.00}. Now on XX/XX/XXXX my balance was increased by XXXX late fees that were assessed to the amount of XXXX and XXXX which is really close to the original transaction amount. I already submitted a payment for {$100.00} to the XXXX charge processing bank but I wanted to get at least XXXX late fee removed as I consider it to be abusive. The collections department stated they could n't do anything.
I opened a XXXX XXXX Account on XXXX XXXX, 2017. The next day my account was restricted due to a notification from Early Warning Services. I contacted them regarding the information that was given to XXXX XXXX. They then drafted a consumer report and was sent to me. I found that the information in the consumer report was not only inaccurate, but financial information was being disclosed between my current bank and Early Warning Services. After question EWS regarding why this information was disclosed, they were unable to answer my question but redirected me to contact the bank. After contacting my bank, they were unable to understand why I was being reported to EWS when I had no fraudulent activity or suspicions on my account ever. I then disputed all information that was given to EWS along with XXXX XXXX XXXX checking my EWS consumer report almost monthly when I do n't have an account with them, nor have I ever applied for a XXXX XXXX XXXX service. Early Warning Services if reporting incorrect information on me from several resources, and has failed to respond to my request regarding these accounts. A dispute was faxed over to the company and they have failed to respond. 
Consumer ID XXXX They failed to provide a reason for the restriction of my account, and failed to tell me why current bank account information is being shared with a 3rd party consumer reporting agency.
I signed up for automatic payments from my XXXX account. But later I stopped using that account so I called in approximately in XX/XX/XXXX to tell Navient to use another account instead for my payments and to cease using the XXXX account. This company has taken money out of the wrong account several months from XX/XX/XXXX to XX/XX/XXXX even after I repeatedly called and told them that that is no longer an account that I am using for loan payments. I have received 12 overdraft fees ( each fee is {$34.00} ) due to their failure to update my account info after I called them several times to request that it be done. They said that I have to specifically say that I want them to cancel any previous automatic payments when I call in. I believe this to be self-explanatory because if I call in to tell them to STOP deducting from that account and gave them new information, that is telling them to stop taking from an account that is not being used anymore. When I called to complain the ombudsman said they would refund my overdraft fees. However, later when the fees were not refunded I was told they would not be refunding the fees because it was not their fault. Now they have marked my credit late 30-60 days because I refuse to pay them until I have the refund. Further, I can not afford to pay the amount they are asking me to pay. They refuse to lower my payments to an affordable amount that I can pay and they will not refund the fees that they caused me plus they have ruined my credit.
XXXX sent a removal letter/code to XXXX and Experian on XXXX XXXX, 2016. Experian has not deleted this account from my report.