WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was behind on my mortgage. I paid the almost {$1500.00} to catch up my notes. In XX/XX/XXXX Carrington Mortgage stated that I was {$2700.00} behind in payments AGAIN. I did not agree with their records but I had to get my mortgage paid. I paid the {$2700.00}. I was told by a Carrington employee that the {$2700.00} would completely catch me up and my next payment would be due the end of XX/XX/XXXX. When I received my XX/XX/XXXX statement it said I was AGAIN a month behind!! I have paid my mortgage every single month since catching it up in XX/XX/XXXX. They add late fees every month from the payment they said I was behind on from XX/XX/XXXX! I paid my mortgage on XX/XX/XXXX.  On XX/XX/XXXX I received papers left on the floor of my carport. I almost didnt see them! They are now saying I owe, AGAIN, {$2000.00}! I looked online at my statement and I had no idea that my XX/XX/XXXX payment was Rejected due to Payment Account Not Found. I Had no idea this happened or how it happened as I use the Same payment method every month. I did not receive a phone call or anything from them. Now they are charging me more and more late fees. Yet, their records still say my last payment was made on XX/XX/XXXX. Please help!
My mortgage company will not assist me on logging onto my account, to make payments ect. Every time I make a payment I HAVE to call them and make a payment over the phone, which costs {$12.00} additional each month. I am also very concerned that I am being gouged with my homeowners Insurance, once again all I get is the run around. My Loan company is Ocwen.
Debt Collector states this account was open this year with an Balance of {$290.00}, I haven't visited of seen a doctor at XXXX XXXX XXXX XXXX NJ the year of 2018.
On XXXX ( approx ) I received a modification approval from Ocwen for our mortgage. On XX/XX/XXXX ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my XXXX payment so that it would not be late due to the bank holiday. On XX/XX/XXXX we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On XX/XX/XXXX I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on XX/XX/XXXX and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in XXXX days. I gave it till XX/XX/XXXX and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it XXXX more days. So again I wait for the paperwork and again nothing, call them again on XXXX. This time told its still in review and nothing has been done. I will get a call by the end of the day. No call but I get an email stating that the denial was reversed, but they are still reviewing to see if they can give me a mod. I dont understand, because the mod was done and approved, but they screwed it up.
I am an authorized user on a XXXX Credit Card with my wife as the primary. Back in XX/XX/XXXX. of 2016 we made a payment of {$3000.00} on this account. It was reported and reflected correctly with XXXX and XXXX but not TransUnion. I called them to get them to show our correct balance. It turns out that TransUnion 's policy is that if an authorized user files a dispute, then they just delete the account altogether. Makes no sense and they failed to alert me to this when I called. I have tried repeatedly to get this account reinstated with TransUnion but have not been successful. They tell me that they ca n't reinstate accounts and that the creditor must do it. Again makes no sense since the creditor was n't the one who deleted the account, TransUnion deleted it. I have called XXXX XXXX4 times and they have sent me letters indicating that they are correctly reporting the account to all XXXX bureaus and that I should contact the agency directly to find out why it is not being reported correctly. I have faxed these letters in to TransUnion. Still no luck getting this account to be shown with TransUnion even though it shows correctly with XXXX and XXXX. TransUnion 's customer service has to be XXXX of the worst I have ever dealt with.
I was contacted by a company named XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of Superlative RM to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.
On XX/XX/2018 at XXXX I was paying for a purchase at Kohl 's department store in XXXX  , AZ . I handed the cashier a Friends & Family coupon for 20 % off and she immediately began asking me for personal information ( address, DOB, SSN ). I asked her if all of that information was really necessary for the coupon and she said " Yes ''.

Then she told me that I was denied. I asked her if that meant I couldn't use the coupon, and she said that I was denied for a charge card, but could still use my coupon. When I told her I didn't want a charge card and did not give her permission to pull my credit, she just handed me my receipt and went on to the next person. 
When I got home, I called the store and spoke to a manager who apologized and gave me the phone number to the credit department to have the inquiry removed from my credit report. I called the number XXXX and they were unable to help me since an account was not established. They referred me back to the store to dispute the credit inquiry - the store referred me back to the credit department. This is a violation of both UDAAP and FCRA.
ON  XXXX   XXXX ,  2017 I pulle d my CR from all  XXXX  major bureaus (  XXXX ,  XXXX ,  XXXX   ) and  noticed that a ERC  ( Enhanced Recovery Corp, LLC ) was listed on my CR as a debt collection and   that it was established in  XXXX   2017. I h ave never had any accounts with " ERC '' and have signed in to no binding documents or contracts with ERC or any of it 's affiliates.
I was injured at work in XX/XX/XXXX and XXXX took over. I had surgery done on XX/XX/XXXX, and all my medical bills were to be paid by XXXX. They are charging me rather than the Insurance company. I have sent XXXX all the debts outstanding and they promised to pay but they are still delinquent on my credit reports.
credit card company is harassing me on my job, I do n't even know how they got the number they call our general number and have left messages with my coworkers which has caused me numerous issues.
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.
on XX/XX/17 received a letter from the company stating I owe them {$16000.00} I feel I do n't because the car was too much from the beginning they did n't fix the car like they problem I told them to come and get the car I was not able to afford the car I was not working I try to go back to that dealer ship they was no later there.
My loan was purchased from XXXX in XXXX XXXX. I was asked to setup an automatic payment for {$1100.00} to loan, XXXX with XXXX XXXX XXXX. Nationstar used a canceled check and made another request to XXXX XXXX XXXX to loan XXXX for {$1000.00} that I did not know about. Payments for XXXX continued from XXXX/XXXX/XXXX for XXXX payments stoping XXXX/XXXX/XXXX for a total {$9000.00}. All the while the other loan account was removing funds for {$1000.00} starting XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I found out that the account requested was not even a real account when I questioned Nationstar customer service. 
All I asked for was a refund of the funds from the non-existing account totaling {$9000.00} and leave my " real '' account # XXXX alone with auto-daft for payments. 
What has occurred, NationStar has sent a check for {$8800.00} saying that is all they owe me from the non-existing account XXXX. Also, someone from NationStar dropped XXXX ( XXXX ) payments from my real account XXXX from XXXX XXXX, XXXX XXXX and XXXX XXXX, then placed my account in default. This actions was just before the holidays in XXXX XXXX. 
Now I can not get return calls and we are totaling what is owed now at {$12000.00} to me. 
I have taken my personal funds and brought my true account paid thru XXXX XXXX, but I can not set a auto payment until this problem by NationStar is completed. I will not accept the check, since it is far from what is owed. 
XXXX XXXX XXXX is tops on my list! They have stepped forward and helped me, but even they can not get satisfaction, even after sending all documents requested. 
Further, NationStar says they refunding funds ... but neither my account reflects nor does XXXX XXXX XXXX show receipt. NationStar will not send confirmation that funds were reversed but insist that they were sent. 
This has been going on since XXXX XXXX by me and XXXX XXXX XXXX. We can not get resolution, or now can not even get a call back. 
You help will be appreciated. 

XXXX XXXX, XXXX ( XXXX )
I was sent a billing statement by Chase for my XXXX credit card for a balance of $ XXXX. Before the stated due date on the statement, I paid not only the entire balance from that statement, but also covering the few purchases from the current billing period. Once the payment pasted, by balance reflected {$0.00}. This payment posted and the balance showed {$0.00} before the stated due date, let alone before the account cycled for the following month. To my surprise, I checked my balance about a week later and saw an interest charge of $ XXXX. Confused as to how I was charged interest on a {$0.00} balance, I contacted Chase and they advised it was the interested that had accrued on the balance that was carried over from the previous months balance. The logic of this is simply ridiculous. Essentially what that means, is that it is quite literally impossible to pay off your balance in any given month if you had n't paid it in full the previous month. Even if you got a bill and paid it the very next day for the amount on the bill, they would still charge you interest for the time frame from which they sent you the bill to when they received the payment. How is that not horribly misleading? When I brought that point to their attention, they advised me of a piece of verbiage on the statement that says something to the effect of " balance subject to interest ''. 

The main point I 'm trying to make here is that if you send a bill for a certain balance amount and you pay that entire balance before the stated due date, you should not be subject to interest for that particular billing period. 

This is a very misleading business practice and I felt it warranted escalation in this manner. 

P.S. - They refused to waive my fee after I clearly laid out my grievances in multiple cordial contact attempts. However, they did waive my wife 's interest, who was in the exact same situation. Not sure how that happened, but there seems to be a lack of consistency in their fee waiver process.
This has been paid for years now. It has showed up on my son 's credit report because we have the same name, Fox Collection is just moving it from one report to another. I want it removed from all three of my credit reports, and for their best interest it better not reappear on my son 's.
I was informed that Trans Union had information on my credit report deleted. This information was inquiries. As to date, these inquiries are listed, therefore, Trans Union had this information re-listed on my credit report without any contact information to myself. This is a violation and, in return, these inquiries should be deleted off of my credit report on Trans Unions behalf. 

In accordance to these standards of the Fair Credit Reporting Act, Trans Union violated these standards and in effort, should have those such inquiries removed. 

Under the Fair Credit Reporting Act, Section 611, ( A ) ( 5 ) ( B ) : Requirements Relating to Reinsertion of Previously Deleted Material : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
XXXX XXXX i filed for XXXX and noticed that i am a victim of XXXX. Someone took out a personal loan/loans using my identity. there for ruining my credit. in XX/XX/XXXX.It has been going on since XX/XX/XXXX
I am an unemployed mother who owns a condo rental property. The condo was involved in a fire that originated in an above unit and was destroyed as a result. Unfortunately I lost my renter and am unable to pay my mortgage. The property has depreciated considerably from the time I purchased it. The unit is down to the studs now and is worth even less. When I contacted Wells Fargo to negotiate a reasonable short payment I was denied by the legal department. I feel like I am being taken advantage of by Wells Fargo Bank.
A charge from XXXX appeared on my XX/XX/XXXX statement. It was billing on XX/XX/XXXX. I called XXXX  to get details. I did not purchase the item they outlined, so I disputed it with Bank of America. They mailed me a letter the next week saying they were investigating and that I needed to take no more action at that time. I then got a letter written onXX/XX/XXXXstating that they could not get in contact with me to get further information, and so I would be charged the amount on the disputed charge. I then called the question/help line for more information.

It turns out that they had tried twice, on XX/XX/XXXX and XX/XX/XXXX, ( I only have a recording forXX/XX/XXXX) to contact me by phone. They left messages on a line I have to admit I do n't always check regularly. Because I did n't respond, they closed the case on XX/XX/XXXX and told me that they would not investigate further. I now have to pay the {$340.00}.

I realize that not checking my messages during those few days was my error. However, I have used this card for years and have been a loyal customer. It also seems shady that they called me two days before the time runs out to investigate. I got no email ( even though I marked that as a preference for communication ), and no further letters regarding the matter. I will keep the card so it does n't impact my credit rating, but I will be moving to using a different primary card. Disappointing how they treat long time customers.
When pulling my credit report through Experian there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.
We received our annual escrow account disclosure statement from Freedom Mortgage on XXXX/XXXX/2016. They said we have an escrow shortage of {$1400.00}. In looking at the escrow account history we were confused by the way payments were going in and out of our account and why we started off with a negative balance. Our loan was bought out from First Mortgage Corp in XXXX At that time we were informed all escrow was in order during our previous statement. Things started to go wrong with our new company in XXXX with XXXX mortgage payments coming out within 2 days of each other causing issues with our checking account. In researching our escrow history we see our homeowners insure getting paid twice then credited back. XXXX XXXX taxes that had been paid by previous lender were double paid, then credited back and went in and out of our account 6 times! No one at Freedom Mortgage could explain why this happened. In following the trail we believe our account is negative by XXXX of XXXX XXXX tax payments that was taken out multiple times never getting credited back into escrow. Were were told this shortage was an increase in taxes which we knew was a lie because we have XXXX XXXX tax records and it only went up {$260.00} for the entire year. We have been on the phone for a documented 9 hours going around and around with people from Freedom Mortgage who ca n't show us where the money has gone. They are now blaming the old company. We will pay any money that is due, but it needs to be clearly shown to us why. The accounting from escrow account history just does n't make sense, and if our taxes only changed {$260.00} how are we short {$1400.00}. What bothers us is that no one in this company can show us the paperwork. We are making our house payments, but are not including the prorated escrow shortage amount until this get explained to us. We have never been late and are worried this will affect our credit and will accumulate late fees on that amount.