WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was transferred to Nationstar Mortgage on XXXX 2015. The first few months we were not qualified for automatic payment and according to their guide we were eligible in XXXX 2015. This is the most convinient way for us to pay our mortgage. On our first time using automatic payment with Nationstar, our funds were withdrawn from the savings account instead the checking account and they reverted the funds back to our account. Then we tried the second time and they returned the funds again. Then I tried to pay directly from my bank and it was not accepted. Then I tried to pay with a personal check and when I returned from vacation I found out the check was return to me as well. We 've not being able to make an automatic payment ever since and now we are no allowed to pay by phone or by personal check either. We have to pay by certified funds, XXXX XXXX or XXXX XXXX Payment. Apparently, XXXX XXXX only allows payment from a XXXX card debit account which leaves me with XXXX options out of XXXX Nationstar available options. I 've always pay my mortgage on the XXXX but with all of these issues, it 's being difficult to pay on the XXXX because even my personal checks are being returned. Apparently, they put a hold on my account for six months which does not come due until XXXX 2015. When I call them to resolve this issue, I get the run around with no avail. I sent a certified check on XXXX XXXX, 2015 with a XXXX post delivary date and it has not being posted into my account yet. I continue to pay fees and it 's becoming outrageous at this point. Now I was imposed the {$50.00} fee for late payment plus the cost of purchasing a certified check for {$5.00}, stamps and cost for a XXXX date post delivery. I 'm frustrated that they do not offer to assist me in a better way, leaving me with the desire of refinancing with another mortgage company. Their customer service lacks proviciency and efficiency. The supervisors do not offer much help either. I 've being a mortgage holder for over 10 years and I 've never encountered such payment issues. Could you assist me with this issue? I do n't know how much longer I can take this type of lack of customer service especially when I want to pay my mortgage on the XXXX as I am suppose to do. Your assistance will be greatly appreciated.
I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankrup tcies ( below ) on my credit report due to Civil Case No.   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  I di d not know the source of their information on those judgments and bankruptcies and due to this,   XXXX   has  violated  the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy Ref. #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated
My name is XXXX XXXX XXXX. DOB XXXX/XXXX/XXXX. SSN ***********. I checked credit in XXXX XXXX, had score of XXXX. Suddenly it 's dropped. I signed up with XXXX XXXX. They list a second name of XXXX XXXX. They list an exorbitant number of credit cards. I am NOT XXXX XXXX. Please investigate and inform me who is using my identity and how this happened. 
XXXX XXXX
In 2011 I left XXXX XXXX XXXX fleeing XXXX. I informed the manager that I was leaving and showed her the XXXX I took out on my XXXX. The manager told me that everything would be okay and that I didnt have to worry. I found out a few months later that the account was put on my credit. I was not aware that according to federal law you could break your lease in cases of XXXX XXXX and not be held liable so I let the debt sit on my credit for years. I left my lease 1 or 2 months early and I am unfairly being charged market rate rent for the entire lease term.
JP Morgan Chase Issue involves money sent to me on XX/XX/2018 by XXXX through a payment service, XXXX. 

My complaint is that Chase provided me with inadequate instructions and failed to communicate with me. 

XXXX sent money to me via a payment service by sending me an email with instructions. I followed every instruction given to me to add that email to XXXX. After I did that, Chase, my bank, sent me an email to the email address registered with XXXX telling me that XXXX had sent me money. So I went through the link they provided and followed all of their instructions to a T. 

Chase told me the money would be available in 1-3 business days. I was able to see the payment, choose which account to put it into, and otherwise access the details of that payment on their website at the time. 

Chase then canceled the payment and did not notify me in any way. On the Chase website for their payment system, XXXX XXXX with XXXX, they have a phone number and THREE email addresses for me, including the one they used to send me the email saying I had money. They did not bother to contact me at all. 

So when I went to pick up my car, the money from the insurance company wasn't there. I called Chase and they told me my email wasn't " linked '' properly. I was told that in order to receive the money, I had to make that email my " primary '' contact. This was inconsistent with my past experiences. To explain : I have my " primary '' contact with Chase listed as my phone number. In the past, I have received money sent through XXXX when that money was sent to my email address, not my phone number. 

This happened despite my following all of the required steps, using the link provided to me by Chase, and after viewing the payment on Chase 's website setting up which account to put the money into without anything amiss. 

The problem here is the lack of adequate instructions -- if the email needed to be " linked '' somehow, the instructions should have included this necessary step -- and the lack of communication from the bank when they canceled the payment. If the bank sends an automatic email when money is sent, they can send an automatic email when a payment is canceled. 

My insurance company, XXXX, is reissuing the money, but is now going to use a paper check because Chase 's online payment system is not reliable enough to try this again. This may sound like a minor issue, but this was a large payment for an insurance claim for extensive weather damage to my car, which is going to leave me without a car.
Purchased a money order to pay my rent. Landlord returned money order stamped " REFER TO MAKER ''. Contacted Western Union who stated that money order was cashed. I sent paperwork to Western Union to have money order traced on XXXX/XXXX/2015. Have not heard anything from them.
Have requested on several occasions for them to not contact my family members. They somehow have my step mother and father 's cell number which I did not give them. "  XXXX  '' also told me to pay and the calls will stop. I am going through a divorce and I am not able to pay at this time. Every call is contact me today or further legal action will occur. "  XXXX  '' has contacted my step-mom who was n't even my step mom at the time the loans were taken out so how could she even be a contact? "  XXXX  '' is clearly using deceptive practices to try to contact me.
On XX/XX/18 XXXX XXXX XXXX ran my credit report unauthorized I have an hard inquiry because of this I contacted all three credit bureaus to investigate with no response on several occasions.This has created a hardship to improve a better credit score and stress on my family I am a single mother of XXXX in desperate need to improve my score per FCRA guidelines per my attorney you have to remove this inquiry for I don't recognize this.
My loan was purchased b y Amerihome in   XXXX     2015   (  2 months after we purchased  )  our home. I unexpectedly lost my job  XXXX     2015.    As I struggled to make mortgage payments, I reached out to  Amerihome  for info on the loan modification program. I applied. It has been a run around since then. Here we are a year and half later and I 'm still trying to get a response on the loan modification results. They keep requesting that I send in hardship letters, I do send in all supporting documents via certified mail that requires a signature. The last I heard I was supposed to get a response by  XXXX   XXXX . I just got off the phone with them and they are telling me that my account is on freeze. But, even after speaking to th e manager by t he name of  XXXX  he ca n't tell me why. He told me it would take another  24- 48  hours to reach out to the underwriting department. This is ridiculous. They are assessing all sought of fees making it imposssible to really catch up and stay clear of foreclosure. Hence, the reason I applied for loan modification in the first place. This has been going on for too long. Almos t two yea rs now with no answer.
I do not have a signed contract nor any contract with Harvard Co. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX PHYSICIAN. I am not responsible for this debt with Harvard Co. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of South Carolina to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Hi, My last complaint # XXXX is the same reason for this one ... 
To summarize : As of XX/XX/XXXX I canceled my previous home owners insurance with XXXX and went with XXXX home owners insurance. How ever the Mortgage company " 5th 3rd Bank '' keeps paying both companies for the same home. I got reimbursed from XXXX most of the money in XX/XX/XXXX but 5th 3rd Bank has once AGAIN paid both companies and the escrow account is a mess. I will do my best to refinance to a better Bank ASAP. 

XXXX XXXX XXXX
Back in XX/XX/XXXX I had a XXXX and was on XXXX and last I knew they paid for it. Then in XX/XX/XXXX of this year XX/XX/XXXX I got a letter of ganrnishment for the bill that I was under the impression that XXXX had covered but only covered part of the sugery. I never received an bill nor was contact about the debt. The garnishment letter says I owe XXXX dollars and I do n't think it 's fair for all this tacked on interest when no bill was received. I 've contacted them to try to arrange a payment plan for the original balance. But they said I have to pay the full amount with interest. I called the place where I had the XXXX and they do n't have any records of it any more. I 'm at a loss and unsure of what to do.
Equifax shows charge off as status every month for 24 months. Should only report as charge-off for 1 month.
A random {$290.00} disappeared from my bank account without my knowing on XX/XX/XXXX. This happened without my authorization or anticipation. I did not notice until looking up my account balance before heading out of town for holiday break. After calling Simple to inquire about this random charge and have my funds put back into my account, instead they locked up my account for now over XXXX weeks. Simple has provided zero assistance and no resolution in my matter. In fact, their customer service has flat out just gotten horrible over the last few weeks in comparison to what they used to be. I 've been a customer of Simple 's for years, since the very beginning of their inception as a company. This is the first time I 've felt completely let down and almost misled. Each and every phone agent, XXXX, dispute XXXX and email support agent gives me the same excuse of " we are sorry but have no information we will be in touch when we have something. '' This does n't fly with me. Had this been an account with ANY OTHER bank, I 'd have answers. What happened to this {$290.00}? Where did it go? Temporary credit so I can continue on about my life for the holidays? No. I 've spoken with so many agents at this point, we 've taken steps backwards and have accomplished nothing ... zilch. Judging from the dozens and dozens of similar comments over the recent weeks from other customers on Simple 's social networks - this is NOT an uncommon problem. Many other customers are reporting missing funds and Simple having no answers or resolution. Seems to be happening here right around the time of their switch to another bank or something of that nature. In any case ... something is amiss and I do n't feel Simple is handling business appropriately.
This complaint is against the co mpany " Transworld Systems ''.      Currently, they are reporting that I owe them a total of {$1400.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     Why did they not send me a notice of my right to dispute this debt before they reported it to my credit?     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of  XXXX   2016 .
I was paying on the account prior to it being turned over for collections. I feel this is a negative remark on my correct and I ask them to validate the debt with signed documentation and the indebtness of my signed agreement with the creditor. I feel because I was never given a written response under the FDCPA that my rights as a citizen has been violated under the FDCPA. Please produce sign doctuments and debt charged or have the account terminated which is barring on my household and affecting my credit.
I requested a mortgage modification XXXX for my house from Carrington Mortgage. Carrington Mortgage was processing my modification request and moved forward with foreclosing on my property XXXX XXXX XXXX XXXX TN XXXX and they foreclosed onXX/XX/XXXX
I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, XXXX AND TRANSUNION ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED IMMEDIATELY..
I have submitted two complaints to the CFPB regarding egregious errors that Equifax has made on my credit report. I pay for monitoring services through Equifax and as of XX/XX/XXXX, Equifax will not allow me to access updated information of my credit score and reporting information. Additionally I included a consumer statement in an effort to explain the drastic changes in my credit report as a result of Equifax 's errors which was n't been included on my credit report.
Additionally, the Equifax monitoring service has been paid for the month and is effective till XX/XX/XXXX. I have contacted Equifax 's technical support and they advised that the research will take longer then the remaining time of my active account with them. I believe this action was retaliation of the complaints filed against them. I ask them for a credit for the days that I am unable to access Equifax data that has been paid and was told there was no way to provide a credit.
Today I went to Chase Bank for the fourth time, and they were unable to add me to my wifes account, even though she had authorized it. They made me feel like a criminal, because the person who was assisting me asked about my XXXX and why I didnt have a Social Security number and how long I had been living in the United States. This was disrespectful to meit was the most humiliating treatment I have ever received. The person told me that I had to return with my wife, and when they said wife, it was with a sarcastic tone.
hello i purchased a car from a dealership everything was great they got me a loan with a lender named westlake financial services in XXXX california i made my first payment without any problems but after 2 weeks from that time i received a call from the dealership saying that the bank return the loan to them and that i need to pay the car in full to the dealership or be repossess now the bank never called me about this i made my first payment to them without any problems i have a contract signed with them i dont understand what is going on i think there is a fraud here and im very XXXX because of this now i lost my first payment money and the dealership is threathning me that if i dont pay in full they will come with the police to take the car is this right? i cant afford an attorney i putted XXXX down for the car this is a nightmare for me and my family please help me
I was trying to log into my account with New York Community Bank via XXXX and when I entered my user ID was told my account was disabled. 
I called customer care and was told because I had not used my account recently ( note they did not give a specific time window for this policy on account closures even on the customer care call ), they had disabled my account. This was without any advance notification to my email address linked to my online account. They refused to unlock the account even when I provided my SSN, account number and my online banking details. 
They claimed this was pursuant to their policy in the agreement I signed opening the account. However this seems disproportionate and not clearly articulated. I know for a fact I downloaded my tax documents in XX/XX/2016 for the previous year from their website, yet by XX/XX/XXXX they had closed my account and sent all my money to the local government, where I must now file an Unclaimed Property Request and deal with all the challenges that entails to get the money that is mine returned to me. It was also only when I requested to speak to a supervisor that I even found out they had sent my money to the government, as the first customer care contact mentioned nothing of the sort to me, just that I should send a letter and copy of my driver 's license to request my account be reopened, even though in fact the account and the money is gone for good from NYCB and I must search it out with the local government. 
This seems unreasonable for not having logged in perhaps during six months to an account, and I would request the CFPB review the terms of service of this Bank to its customers, require they adjust their policies on closing accounts and unilaterally sending consumers ' assets to the government, as well as send email notifications warning of such actions before they are taken. I have many accounts with financial institutions and have never had close to this awful a customer experience and am now faced with the uncertainty of ever seeing a very large sum of money again. Are n't banks supposed to be safe places to store your money? It seems NYCB does not take this core responsibility seriously.
I submitted an Identity Theft Affidavit to the CRA who then notified PROFESSIONAL CREDIT MANAGEMENT that all four of these collections were the result of fraudulent activity. Was successful with deleted them from XXXX and XXXX. But PROFESSIONAL CREDIT MANAGEMENT continues to verify, update and ignore FCRA. I 've sent several letters and attempted to contact the company. The consumer financial Bureau is the last attempt before I commence filing a lawsuit against this company who is reporting fraudulent accounts on my credit report. All 4 of this collection accounts are unknown collections. 

Items Name| 1. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
My husband had financed a car from XXXX car 's and he had lost his job so he had to give the car back because he was n't able to finish paying for it,. Then i think a year later i received a letter about a debt that i owed from a lawyers office and my bank account got frozen,. My rent was late because i could n't take out the money for my rent since the lawyers office they obtained documents to freeze my bank account,. I co signed for the car and my name is the only XXXX that there sending letters too,. My husband had called to setup payments they never called back and then few months later i get a letter from XXXX XXXX XXXX 's office a city marshal that there getting into my wages to take out the debt,. They contacted my employer about the matter and the letter said that they will take out the money from my wages from work,. My supervisor called me regarding this matter,. I am embarrassed and humiliated that they have to go through my employer and i can loose my job regarding this matter. Thank you.
Recently heard Equifax has had a breach in confidential information of mine. I do not want to search on there site to find out if I am a victim, because I would give up my rights to take action.
My wife mistakenly wrote a check from the wrong account and it was returned NSF. We immediately contacted the payee to redeposit the check and transferred the funds, which covered the entire amount. The day after the check was paid in full we were charged {$1000.00} by Qualia Collection Services ( QCS ) as a return check fee, which we have disputed. I attempted to speak with QCS to pay a reasonable return fee but the individuals I spoke with only responded that they are charging the maximum allowed by the state and that the fact that the entire amount was paid in less than 3 days did not make a difference. I was also threatened with a lawsuit if I did not pay the entire amount.
I want to dispute a debt that, I just saw on my credit report. The debt is not mines. It is from XXXX XXXX XXXX originally from XXXX dated XX/XX/2017 for the amount of {$860.00}. Please remove it from my credit I do not owe this debt, the debt is not mine. Thank You
I have alot of accounts of my credit files that are 7 years of better on my file
XXXX is asking me to pay an early termination fee for an account for which I was not responsible. This was a corporate account paid by my employer at the time. I had never made any payments on the account. It was paid by my employer.