WillisBack/dataset-financial-user-claim huggingface dataset:
After 3 complaints about not receiving a correct payment history almost 3 months after requesting it at the end of a loan, I saw that KiaMotorFinance attached it to their response on the CFPB complaint. It is correct. I am attaching documents ( emails ) from Kia. I do not know if I have paid the correct amount or not. This morning I paid XXXX, more than the indicated amount on the payment history you published as their response. It was in an email sent on XX/XX/XXXX and due XX/XX/XXXX ( see attached ). They say I owe more ( see attached ). I have received no documents stating why I owe more than the XXXX on the payment history, but I paid what the bill said when I verified the payment history I saw published was correct. I asked for this in XX/XX/XXXX when I finally paid the unusual double bill I had been receiving and it said no other ( regular ) payment was necessary. Please examine all three attached documents to see why I am confused. None of the amounts match. I want this over. I want my title, and I want all dealerships to remove me from their mailing lists. Multiple dealerships are sending me emails to get me to come in and buy a new Kia After this horrible experiece, I will never buy a XXXX   car again, and I love my XXXX XXXX.
XX/XX/XXXX granted mortgage modification, began payments XX/XX/XXXX to Citizen 's One, have made all payments thru XX/XX/XXXX, XX/XX/XXXX payment being held in escrow. 

From XX/XX/XXXX to date, receive monthly statement showing account is delinquent, no payments made. 

Calls to customer service regularly ( will supply phone records upon request ), responses from Citizen 's One : " we see the problem, it is being remedied, '' " this is a large institution, these things take time. '' XX/XX/XXXX, Citizen 's One website updated and displayed account as being one month behind, called again to Citizen 's One asking this to be remedied, were told they would work on it and it should be all set shortly. 

XX/XX/XXXX- served foreclosure papers, and no longer able to make monthly mortgage payment, hence the escrow account mentioned above. 

XX/XX/XXXX supplied documentation of all bank statements and canceled checks ( attached ) from XX/XX/XXXX through XX/XX/XXXX to Citizen 's One and the law firm of XXXX, XXXX, XXXX XXXX, XXXX, RI. 

Have been told by Citizen 's One the package has been received but they do not know who has it. No contact to date from law firm regarding documents provided. 

XXXXXX/XX/XXXX- in the process of seeking own counsel. 

Unfair practices by Citizen 's One include : failure to apply payments correctly, falsely placing property in foreclosure. 

Damages to homeowner : incorrect XXXX tax documentation, home in foreclosure, seeking own counsel to protect home.
On XX/XX/2018 : Received paper bill From XXXX XXXX XXXX. Bill was a late bill. Amount of purchase was {$10.00}, but was unable to locate information about the purchase ( what it was ). Have previously received email bills. Called XXXX XXXX XXXX. Finally talked with a real person. Was told XXXX had sold services to Citibank. Was also told I had received a new XXXX, which I have not received. XXXX XXXX transferred me to Citibank. Was told this is an XXXX XXXX credit card and was referred back to XXXX XXXX. Via automated voice closed my account.

Summary of Account Activity : Previous Balance ... .. {$10.00} ( no date or other information provided ) Payments ... ... ... ... ... ... XXXX Purchases ... ... ... ... .+ {$10.00}.

Cash Advances ... ... ..XXXX Fees Charges ... ... ... {$11.00} Interested Charges ... XXXX ________________________ Past Due Amount ... {$33.00}
The Creditor Service of Morgan reported a collection account on my credit file without giving me a notice of my right to dispute. I have even written to them several times asking for an explanation of the debt they are reporting on my credit report, but they still refuse to respond.
Addendum to Case # XXXX ... .This is in regards to an account with a credit union. The direct deposit from the VA was not properly routed ( See attached ). Deposits had to be made in cash, at a local credit union branch. On XX/XX/XXXX, payments were processed via bill pay, before the deposits posted. Some payments cleared, while others were returned, some payments were returned multiple times. This in turn caused over XXXX dollars in bank fees. Unbeknownst to me at that time, some utility payments, as well as credit cards payments were returned by the bill payment provider. These payments were coded to appear as if it was myself who refused these payments, therefore causing 30 day late to appear on my credit files. Also, I have had a utility terminated due to this, as well as another utility suspended. I contacted my former credit union, to receive a contact number for this bill payment service. Upon contacting this company, the call suddenly terminates without my speaking to anyone in regards to this matter. I had a bill payment service approve payments while there are insufficient funds in one 's account. I have also attached proof some payments were attempted more than twice. According to credit card companies, when a payment is returned, that payment is applied to the balance, unless otherwise instructed. I did not interfere with the processing of the credit card payment. I was informed by the credit card company, a notation was placed on the payment, therefore causing the card to become late on my credit files. Furthermore, this company has not mailed me at my mailing address, in regards to this matter. I have provided notes from a conversation with XXXX XXXX, in regards to what was to happen if a payment is returned. Also, I have included verification of the Direct Deposit that was intended for my credit union for XX/XX/XXXX. Also, the address the credit union, as well as the USPS, and the Department of Veteran Affairs, as of XX/XX/XXXX. Also, I only received notification of this alleged debt after receiving a phone call from this company, on XX/XX/XXXX. I requested a letter be mailed to me in regards to this matter. I never received such letter. As I was contacted less than 21 days after the payment was allegedly made, there was no attempt to resolve this matter within the credit union. I was not allocated the full thirty calendar days to dispute this alleged debt. as it has been now over sixty calendar days, and I still have not received formal notice by postal mail, this alleged debt is hereby invalid. As you mentioned in your previous answer to the CFPB, my address was considered as " invalid '', according to your company. As an alleged collector of debts, my address could have been obtained by contacting the credit union itself or by conducting " skip tracing '' with the credit bureaus. Also, I find it rather perplexing how you had an invalid address when you contacted me via telephone. I also informed you of the correct mailing address per our telephone conversation on XX/XX/XXXX.
my issue is with conduent. my original student loan was opened in XXXX. I have been going to school and all loans were deferred. i got ill with XXXX in XXXX XXXX and stopped going. 99 % of my loans were with XXXX and they contacted me about repayment. when i called them they told me how i needed to handle it. ACS apparently sold my loan to conduent. In XXXX XXXX i called the XXXX, XXXX and New york after discovering a late reporting on my credit bureau. Nobody could help me. The customer service associate said they only handle investment accounts. 

About two days after the phone calls I get a bill from Conduent. The bill was for a minimum payment of over {$300.00} and said i was already delinquent. I called conduent on XXXX XXXX, XXXX and was told to write in to emailsupport about Account XXXX. I told them this debt is being disputed because 1 ) i do n't know if its mine 2 ) i never got a bill. 3 ) according to one credit bureau this is still being deferred. 

They wrote back saying they are required to report accurate information. i re wrote sending a screen shot of my credit bureau and advising i never got a bill before now. they responded by calling me someone else name and still said they would not assist. 

My name is XXXX XXXX. the account # is XXXX with XXXX.
Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at potential risk. Additionally, I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. Once it was decided to notify the public, I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence, I can be 100 % - without question - guaranteed my identity and personal information is not at risk, and that something like this does not occur again.
Dear Sir or Madam, I did not receive my bill statement on time and as result I was late with my payment for XXXX 2015. After that I had paid it in full. Late fee and residual interest was removed. I and my loan officer XXXX XXXX had multiple calls to Synchrony Bank trying to remove the late payment from credit report. We spoke with XXXX supervisors who hung up on us when we had asked for the letter. Finally one stayed on the phone with us the whole time and then came conclusion nothing could be done about the letter. 
Please help to resolve my dispute with Synchrony Bank and repair my credit. 
I beleave the Synchrony Bank customer service conduct is unacceptable and they do n't deserve to be XXXX service.
I have reached out to you stating that I've never had a problem with payments. XX/XX/2018 was the 1st time I've ever had any issues. You extended my payments claiming this was the best way so it wont be reported due to my good paying history. The address I have, which is a p.o box is the same p.o box I've been using since the beginning. I agreed to allow you all to extend my loan so I wont be reported. Now here it is XXXX, and I mailed off the XX/XX/XXXX payment XX/XX/2018 to the same address one of the representatives gave me. I have a copy of the letter that was mailed XX/XX/XXXX, along with my full address. If there was a problem, I would have gotten it back a long time ago considering today is XX/XX/XXXX. I see that yall have added extra charges to my account that is not awarded because I have proof, just like I did in XX/XX/XXXX that I did indeed send it. I have receipts, picture of envelope at post office with the correct address that was given to me the day of sending it. Apparently there is no problem with the address, and if it was, why would the representative give me a false address. I want to be treated fairly, and not to be made to continue getting an extension or whatever it's called, just to continue pushing my maturity date up. I feel like since my letter has not returned, that it's just being held knowingly, just so you can tell me you dont have it. Well someone has it because it was not return to the address that on the letter. I would like this resolved without you all putting extra charges on me when it's not my fault. I would like to see the right thing happen, despite the credibility that you all do not have for being fair. I XXXX XXXX, have proof for everything within this complaint to show that I did pay before the 10 day grace period was up that is given before late charges are applied. I pray that this matter can be resolved in a respectful and just manner. 
XXXX XXXX
set up auto loan payment and it didn't go through and i was 30 days late on my auto loan. can i please get this fixed and i can show proof that i had enough money in my account at that time.
I went to XXXX to get my Equifax annual credit report. I request my Equifax report at this time each year ( and do the other ones in XX/XX/XXXX and XX/XX/XXXX ). The same thing happened this year as in XX/XX/XXXX : I answered the verification questions to the best of my ability, but was denied access to my Equifax credit report. InXX/XX/XXXX, I was successful in getting my XXXX and XXXX reports but not my Equifax report. This year, I successfully got my XXXX  report, but AGAIN failed to get my Equifax report ( I wo n't try for my XXXX report until XXXX ). My complaint is that the questions are too vague and deliberately tricky. They expect you to remember the month and year that you opened credit accounts! That is not reasonable. When I do n't have an account with any of the four companies shown in the responses, it is easy to answer " None of the above. '' But I do have a mortgage with one of the companies they listed, so I checked it off, even though I could n't remember if " opened around XX/XX/XXXX '' was the right date for that particular credit union 's HELOC that I have. Then the fourth question was what is my scheduled payment on that mortgage. Since it is {$50.00}, I answered the $ 0- {$190.00} response. Then I submitted my answers and it failed me. This is so frustrating! Now I have dug out my HELOC statements, and the account was opened in XX/XX/XXXX. There 's just no leeway. Apparently I should have answered " None of the above '' for that question as well. I understand the questions need to be specific enough to zero in on me. But I 've given my DOB, SSN, and address already, so I think the questions should be less tricky to get right. Now I again have to mail away the paper form and proof of who I am to get my Equifax report for XX/XX/XXXX instead of being able to use the online method. And when the very hefty paper report comes, I have to sit here and scan it all in so that it is saved with the other credit reports I 've gotten online. I am trying to do the right thing and examine all of my credit reports once every year, but the system is stacked against me.
THIS HAS BEEN A CONSISTENT PROBLEM WITH BANK OF AMERICA AND A MERCHANT NAMED XXXX XXXX XXXX  XXXX. THE MERCHANT ALLEGEDLY ISSUED A CREDIT OF XXXX TO AN OLD CREDIT CARD ENDING IN XXXX THAT BANK OF AMERICA CHARGED BACK TO MY ACCOUNT ALLEGING THAT THE MERCHANT SUPPLIED FALSE AND INCORRECT INFORMATION STATING THAT I RECIEVED THE MERCHANDISE WHICH IS FLASE. I WANT THE XXXX CREDITED BACK TO MY ACCOUNT ENDING IN XXXX IMMEDIATELY. THIS IS A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED IMMEDIATELY. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE MATTER.
Complaint : PennyMac mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX XXXX XXXX sold our mortgage to PennyMac in XX/XX/XXXX. They did not report any payments until XXXX of XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, PennyMac hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. PennyMac has reported these months, ( XXXX, XXXX and XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XXXX, when XXXX XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when PennyMac took over as my mortgage company in XXXX of XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but PennyMac has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.
In XXXX a collection debt appeared on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They state that I owe XXXX XXXX {$830.00} for a payroll loan. I do not remember receiving anything in writing by the united states post office for this debt. I do n't remember taking this loan. I asked Experian to investigate and they came back and said it is valid and they would n't remove it from my report. I still have not had them send me anything at all in writing.
I applied an American Express Gold credit card about XX/XX/2018. During my application I received information that I will receive XXXX   bonus points after I spend XXXX dollars. I did not receive any notification that I would not receive this bonus. After application. I called customer service for three times to check my bonus, all I got is that I will receive this bonus, it just need time to process. Especially my third call, the manager even discussed his boss, and they both did not find any reason why it took too long to process. He said everything looks correct, I just need to wait for 5 to 7 days for processing. After that I received a phone call in 5 days. I was told they can not give me the bonus because there was a pop up during my application said I would not receive the bonus ( actually not ). The person who gave this information also told me, this decline just connect my account all the time, all the customer should see that. If it is true, why during the past three times phone call, there was no one see this decline in more than 2 months? I doubt if they just added my information there during the 5 to 7 days ago.
After review of my credit report from XXXX on XX/XX/XXXX, i observed they had marked me late on XX/XX/XXXX andXX/XX/XXXXfrom XXXX XXXX I contacted XXXX on XX/XX/XXXXand spoke with representative and she advised my account was only 15d late not 30d and that she would submit a dispute on my behalf for this to be corrected. I contacted XXXX and inquired why it was marked 30d and was advised they do not have 15d late only 30, 60, 90 and 120d. Since they did not report 15d late they just made it 30d and reported same on my report. This act was of unproffessional, deceptive, fraudulent and inaccurate and should have never happened. This is not acceptable and was the cause of obtaining other credit approval. I disputed the same with them to remove as the account was not 30d late and that they documented fraudulent and inaccurate information on my file, causing my credit score to drop. Unacceptable.
I noticed this company XXXX/Pinnacle LLC on my credit report stating I owe {$1900.00}. I sent them certified letters requesting validation made pursuant to the Fair Debt Collection Practices Act & Fair Credit Reporting Act along with validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX I received a letter from this company stating they have initiated a review of the inquiry. On XX/XX/XXXX I received another letter which they sent an account summary which according to the FTC an itemized printout does not represent verification. On XX/XX/XXXX another letter from this company stating the information provided along with their review of the account is insufficient to support their claim
I received a letter from XXXX Mortgage that my loan # XXXX had been sold to Seterus and as of XXXX XXXX, 2016 that all payments would need to be sent to them. So, thinking that I could pay by phone on the first, I found Seterus 's number and called them, going through their prompt system. A recording stated that I would need to receive a welcome letter before being able to make a payment, and between the XXXX and XXXX of the month I would be able to set up my online profile and make payments. By the XXXX I had still not received a welcome letter and started calling Seterus on a regular basis to inquire about my account. I kept being told that they were still waiting to revive my information from the previous lender, but not to worry because my account would definitely be set up by the XXXX, but to keep calling to check in because once my account was set up, it would be reflected in their system even before receiving a welcome letter. The last time I was able to speak to someone was on Friday XXXX XXXX. At that time they still did not have my account set up. I asked if they were open during the weekend so I could call back and check my account status and the woman said yes " we are open on Saturdays ''. So I called back the following morning going through the usual prompt system in order to speak to someone, only to come to an automated message saying that they are " experiencing technical difficulties '' and could not take my call, then hangs up. I try again, same thing. So I hold off from calling on Sunday the XXXX since I was informed they are only open on Saturdays. I begin calling again today, which is XXXX XXXX because I have still not received my welcome letter as promised!! However today it 's the same thing, " technical difficulties '' during sometimes when I call, AND other times it 's an automated message saying " we are still receiving information on your loan an can not speak to you about any account details at this time ''. I have called a total of 8 times today because it is the XXXX and I just want to pay my mortgage ON TIME! However they will not allow me to make any payments until they have established my account number. Please help as I do not want them foreclosing on me due to their dishonesty and oversights as they have done to so many others. I will contact a real estate attorney and pursue legal action if they do not handle my account with honesty and integrity and keep me from paying my mortgage on time.
I have never used this address, nor do I know whom resides there. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
This company is attempting to collect a debt that I do not owe them. This company is claiming that they know for a fact that I am who owes this debt. I have never lived at the address that they 're claiming that this debt was made. I have asked this company to validate this debt that I owe, but all they have sent me is statements, but this is n't properly validating this debt because anyone can get a credit card in my name if they have the proper information to do so. I have no contract with this company and neither have I ever heard of this company. I ask that this company provide me with an agreement with my signature on it stating that I agreed that this debt is mine. If this company ca n't properly validate this debt as I asked them they should REMOVE this debt from my credit reports. I feel as if I have been treated unfairly because this company is n't trying to properly validate this debt. They simply said that they have provided the documents that I asked for when I never received a copy of an agreement with my signature on it. I will also attach an identity theft report that I filed with the Federal Trade Commission.