WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter because for years I have been back and forward with my mortgage company over my payment history. The loan that I have with Carrington Mortgage, I have made complaint with the XXXX, and in the dispute going through them they stated that there was nothing more that they could do, but advise me to go further on it. There are a lot of complaints on the company similar to my situation. I modified the loan and every since I have had problems even with it, it seems like around the first of every year it they say I owe them a lot of money. I have constantly been going through receiving intention of foreclosure letters and once the company sent me a check back. Now, I have noticed some miscellaneous charges on my account. I have always sent money whether I was working or not. The company also have placed on my credit report that I have filed bankruptcy with them. The information is false I never filed bankruptcy on Carrington Mortgage. I have even had representatives to tell me that I am on a adjustable mortgage, which is not true. I need someone to please help with this. The mortgage company for some reason when I send money they will place it in a suspense account and not apply everything to the loan and when they state that loan late there is still amount in the suspense account. I have used all resources in paying my mortgage, even though the company states if not working I can contact to set up something to help for the hard times, but that does not seem to help, because I tried once when I was unemployed to receive help. This was done before I finally was approved to modify the loan, which I was put through if my ex- husband did not sign they could not do it, but in their rules it stated that if divorced and other things was an exception to that which I was divorced and I and ex was not on speaking terms. I received in my mail today a letter stating that your home is at risk of foreclosure. A non-judicial foreclosure may be initiated 10 days from the date of this letter. The mortgage company right now is stating that I owe {$3300.00}, which they never can explain to me how. I am constantly sending in a payment on mortgage. I even question if a payment was misapplied somewhere else.
On XXXX XXXX, XXXX I leased a new XXXX XXXX XXXX from the dealer XXXX XXXX XXXX XXXX located at the address XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The lease company is Ally Financial. They said there will be XXXX downpayment, but I made {$3000.00} payment. Overall, I am overpaying for the car. I paid {$3000.00} downpayment plus the first month payment of {$600.00}. And my monthly payments are {$600.00} for 39 months. The dealer quotes the same car for other customers for around $ 400 monthly payments. So they charge me extra {$200.00} per month. I went to the dealer to ask why I am overpaying. Their reply was " you already knew that the payments will be {$600.00} ''. They didnt give a fair explanation why I was overpaying than other customers. I feel like they tricked me and made me pay a lot of money. Plus my credit score is excellent. It is not that I am overpaying because my credit score is bad. Please approach the company for a reasonable answer why I am overpaying for the lease. $ 600 monthly payments with {$3000.00} downpayment is a lot of money. They tricked me.
My son has been XXXX since XXXX. Me his mother have been attempting to make his cc payments to Discover card. XX/XX/XXXX Discover card refused to take a payment from me. I never called requesting information or wanting any information regarding this account - simply to just make the payment. It is documented in the system that they refused the payment even after I explained to them what was happening with my son. I did not have his mail so was unable to mail in a payment. Month after month I called and they refused. XX/XX/XXXX I spoke with XXXX, who told me as XX/XX/XXXX Discover card charged off the account. She went on to say she would be glad to take a payment but could not discuss the account. She said once given permission they would discuss options. She was asked why take a payment now that the account is charged off - when this could have been avoided had they taken the payment months ago, month after month. XXXX - permission was received to speak with my mother regarding the account. She explained he situation - stated she wanted to make the payments have the account reinstated and my credit history updated because it was not like we were not attempting to make the payments - DISCOVER was refusing to take them until the account charged off. XXXX, who said the account was charged off. XX/XX/XXXX spoke with XXXX XXXX - manager who said it was charged off and that was it all we could do is pay and nothing else. XX/XX/XXXX called Discover and XXXX to XXXX, who confirmed that XX/XX/XXXX Discovered refused payment it was documented in the system. He went on to say that the policy changed and they can now accept payment. It was explained to him that if that is the case then the account and the account holder should be made whole. He went on to say he did not see any calls regarding the account. It was explained to him that the regular number was called. XX/XX/XXXX - explained to XXXX we wanted to set the account on autopay and have the account reinstated remove late charges and have credit to no longer reflect negative due to them not accepting payments. XXXX said once charged off they were not taking it back and we could dispute it with XXXX - She said balance was XXXX could settle for XXXX and it still show negative on the account. 
XXXXThey wanted us to accept a settlement but did not want to send it out for us to review. XXXX said we had to verbally accept it first then they could sent it out. We explained that we should be able to review to see if it is in my best interest first. She said she could not do that. Discover stood in the way of this account being maintained successfully. Although, my son was not able to make payment he had someone willing to pay the card, not get information, or any thing additional about the account simply pay money and they refused it. Now they want to charge off the account and negatively impact his credit. It is unethical and simply wrong and distasteful. 

I am not a joint holder or card holder of the account - I am the parent of the account holder who is authorized 3rd party to discuss the account and make payments.
Bank of America has caused to be recorded with the XXXX XXXX County Recorders Office a defective Notice of Default with form entitled California Declaration in violation of California Civil Code of Procedure Statute 2015.5 and California Civil Code Section 2923 - 2944.10. Bank of America knows or should know the laws of the state of California where they do business. I believe this is an intentional act meant to coerce, harass and cause me extreme disstress in on-going attempts by Bank of America to separate me from my home. 
The form is the fourth page of the recorded Notice of Default ( NOD ) and Election to Sell. Because of the form 's defect, the whole NOD is void and voidable.
I have received repeated calls from Transworld systems Inc. This is been going on for over  six m onths. I have called them several times and found that they are attempting to collect a debt from my husband 's ex wife. I have repeatedly told them that I do not know where she is and that I am not her. The calls have not stopped. Their phone number is  XXXX .
Nationwide Biweekly Administration failed to make my XXXX mortgage payment without notifying me that they would not be making this payment.
" XXXX XXXX '' XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX CHN TERMINAL ID : XXXX XXXXXXXXXXXX CNY Amount charged in USD : {$570.00} I visited this location and purchased a minor item for XXXX as shown on the menu. I was over charged XXXX and was unable to dispute the transaction with the vendor, as they were unable to speak english.

I followed up with a call to my Credit Card, Discover IT, who placed the dispute.

The charge was then reversed when the vendor claimed I recieved and signed a reciept with an invoice of items purchased. A receipt copy was faxed to Discover and provided to me on the Discover website.

I tried then again, to dispute, as the amount was wrong from what I ordered and what I was billed. And the receipt given has a poorly forged signature imitating my name.

Upon contacting Discover repeatedly, and filing in house complaints. I 've received no further information on how to continue this dispute, and any discussion with the representatives at their line of business, state a complaint is filed and end the call prematurely, providing no resolution, or proof of resolution.
I am a victim of identity theft and I have sent numerous police reports to Trans Union in regards to unauthorized and fraudulent accounts listed on my Trans Union credit report. The unauthorized accounts is still listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX and XXXX
This mortgage company took over my account and immediately started attempting to charge me late fees for my payments. When I would call to dispute such charges the representative would tell me that month 's payment was applied to the prior month and that I was a month behind. I have never missed a payment and have all of my bank statements and cancelled checks to prove such. Each time I inquired which month they claimed was missing no one has ever been able to tell me. The burden of proof is on them to prove this false accusation.I have refused to pay any of these " late fees '' as I do not owe any. I have continued to pay my monthly mortgage and have been doing so for 26 years.I also always mail my payments 7-10 days early to assure they arrive by the due date. This company is a predatory mortgage company and have deliberately mismanaged my account in an attempt to gain extra funds from me and in the recent weeks threaten me with being in default. They have cashed recent mortgage payments and not credited me and have deliberately held my payments and cashed them after the due date in the past in order to charge me a late fee. Again, I always mail my payments early enough to arrive before the due date. There is no way such payments arrived late. This company also has sent offers in the past to " wipe away '' all late fees if I refinance with their company.This would cost thousands of dollars and leave me with a higher interest rate than I currently have. This again shows their predatory nature and what their true intentions are. This company has over 12,800 complaints with the CFPB and should be highly investigated.
Sallie Mae is reporting XXXX paid and closed account. XXXX consolidated paid and closed account and XXXX open account that I am making payments on and they are refusing to remove the paid and closed accounts because they know that it is affecting and ruining my credit. There is no reason for these accounts to remain on my credit report. I have requested these paid/ closed accounts to be removed as there is no reason for them to still be reporting and on my credit report. They are paid and closed. Why XXXX refuses to remove them is beyond me. Maybe because they are a government agency who is dead set on ruining people.
In early 2016 I discovered a derogatory on my credit from XXXX XXXX XXXX for {$170.00}. I immediately called them and told them I had never had service with them, especially during the time frame they claim. I filed an Identity Theft Claim with the FTC and filed a police report. I proved it by sending them proof that I was in a XXXX XXXX XXXX in Colorado at the time. I later discovered my ex-wife had used my credit to open several accounts ; some she paid and some she did n't. XXXX agreed and immediately removed the entry from my credit from all three credit reporting agencies. Two months later, a derogatory showed up on my credit from XXXX XXXX for the same {$170.00}, who had taken over XXXX and their old receivables. I went through the same drill with them ; they agreed and removed the entry. A few months after that again appeared the same debt for {$170.00} from XXXX XXXX which had taken over XXXX. I went through all of the drill again ; they agreed, and removed it from my credit. A few months later, a collection agency called XXXX XXXX posted the {$170.00} debt as a Collections account. Once again I proved I did n't owe XXXX anything, they agreed and removed the entry. Now last month, I see that another collection agency, XXXX XXXX XXXX has again posted a {$170.00} collection account to my credit. How do I stop this from just keep happening over and over. XXXX claims they long ago had written off the debt and agree I do n't owe them anything. But all of the subsequent companies just keep buying up old a/r lists and put it on people 's credit in hopes that they will get paid off because they are harming said credit. This is just plain extortion.
I am a victim of the equivalent credit breach. It is inexcusable this happened. It is inexcusable it took 6 weeks for this to be reported. It is inexcusable that this much data has been stolen.
Good morning, I added my husband as an authori zed user on two of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his credit score, and as we pay off bills the records of these two card s remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?
I terminated a rental lease for serious medical reasons with the understanding, according to t heir contract ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered  to pay the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,  XXXX   XXXX   XXXX  understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the Landlord failed to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.
I have a Bussiness under my company name XXXX XXXX XXXX, XXXX i advertised my vacation rental apartment through XXXX XXXX Website A guest came and Stayed in my vacation rental and paid to someway Payment by his american express XXXX XXXX card then the guest decided to dispute the charges and Scam me after he checked in, american express processed a dispute in the favor of their Client of course and reversed the payments with home away payments my account which under my name with home away payments are Negative and they are threaten me by collection which will hurt my credit They send an email and called on the phone threatening me by suing and hurting my credit XXXX
On or around XXXX XXXX, XXXX, I received a XXXX ( Cancellation of Debt ) from SPS Mortgage. The date of identifiable event is XXXX/XXXX/XXXX. SPS Mortgage continued to collect mortgage payments before and after the identifiable event date.
Is it legal for the Credit Bureaus to reflect late pays and charge-offs on debts that were NOT late and were in good standing at the time I filed my Colorado bankruptcy in XX/XX/XXXX ( due to loss of income and unemployment )? My bankruptcy discharged at the XX/XX/XXXX. My debts were all in good current standing at the time I filed bankruptcy. All my debts ARE reflected as " discharged in bankruptcy '' with {$0.00} balances now in my credit reports. However, some of the bureaus are NOW also reflecting XX/XX/XXXX ( possibly earlier ) some " late payments '' and " charge-offs '' on those same debts during the 3 months that the BK was " pending '' prior to discharge from XX/XX/XXXX - XX/XX/XXXX XXXX. Everything I have researched on the internet states that these previous creditors are reporting " false '' late pays since they are reflected as " late '' AFTER my BK was filed. Based on the BK laws, I was to discontinue any payments toward any creditor ( which I was unable to do anyway ) after I filed BK so how can they NOW claim " late pays '' and " charge-offs '' on those debts? I had NO late payments NOR charge-offs on my credit record at the time of my BK was filed. All my payments were current and in good standing at that time of my filing for BK. Why are the credit bureaus reflecting this erroneous designation now on my reports? If this is WRONG, why do I have to spend the time and effort disputing all of this when it is defined in the Fair Credit Reporting laws and the bankruptcy laws? This is like being accused of something I am not guilty of and I have to " prove myself innocent '' and am assumed guilty when I am innocent based on the bankruptcy laws. Do n't the credit bureaus have some way in their software to cross-check this information and notify the credit card companies they are illegally reporting something incorrectly? They can not accuse me of late payments and charge-offed debt AFTER my BK filing date when I was actually current on all my payments at the time I FILED my BK, can they?
XXXX of my credit cards are getting different information from this company. Each credit card company has given me a different XXXX score.
This company has taken double the money debit from the acct. Then u have to call and wait for rep to apply money back to ur card. There not posting Direct deposit s to the card. Took over five days to get my paycheck refunded to my payroll dept to read issue. Makes promises of quick and speedy service tht always turns into a few days wait or no nothing at all. In turn ur calling the company back to try and get the problem rectified. Wen u ask for a Supervisor they hang up on u or leave u on hold
On 'Previous Address ' section lists some places I have never lived at or even visited as follows : XXXX XXXX XXXX Fl XXXX on XXXX/XXXX/XXXX and XXXX XXXX XXXX NY XXXX on XXXX/XXXX/XXXX. Credit Agency only replies 'Does not affect my credit score ', but I do not believe them! If someone living in those places has bad credit or blemished record, surely would affect my score! Plus, my record unblemished but scored low, so does not make sense! This error & associated record should be changed, not merely stating not affecting my score. Each year stays on my record & must be eliminated with associated depressing of my score.
There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with XXXX, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.
First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me XXXX, and refused to let me speak to a supervisor. Then the following day I received 17 calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!
We got home from a trip we found a small box from Macy 's at our door containing a XXXX deodorant for about {$29.00}. We called the next day to request a return authorization since it was an item I neither used, ordered, or wanted. After 7 requests and as many phone calls I thought it incredulous no one could or would send me an RA ( return authorization ). No one mentioned, nor did I ever receive a statement showing I owned more. After months of waiting I started receiving daily calls from Bloomingdales / Macys credit asking me to pay my bill of around {$200.00}. Why not the unresolved {$29.00} I asked? They did n't know or care to do anything about it except call again every day. Finally some dear soul told me I had another purchase on the account again made on Macy '. online. and with it my current balance was roughly {$200.00}. 
In all these months I have n't received a monthly bill -- do n't know why. She could not tell me where it was shipped to, since it was n't to me, because they only had records 3 months back in fraud dept ). She asked me why I had n't filed a claim with their Fraud department. Did n't know you had one -- no one 's ever mentioned it to me and I have never been in this situation before.. I have been asking all along if someone used my credit card that it was fraud and I wanted them to cancel it so this would n't get worse. That never happened until the associate that told me what I should have done 5 months ago. They finally closed it 5 months late and are suppose to send me a new one, which will never be used after XXXX that they have put me through. When I looked at it on credit karma I would have thought reading it that they closed it on me and there was no mention of them sending me another card. So it looks like I 'm a bum that does n't pay his bills. If you check you can see where I paid about about XXXX in XX/XX/XXXX on my dept s -- so clearly it was n't that I would n't or could n't have paid them if I had indeed owned them a penny.. Macy 's XXXX customer service is n't something that works. Our family is a XXXX that sticks together and all are refusing to shop Macy 's this XXXX for me -- that will cost them a ton over {$200.00}. Honesty is it 's own reward.Macy 's!
On XXXX/XXXX/XXXX, I applied for a home loan to refinance my current mortgage. The application was sent through a mortgage broker to Reliance First Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. When I received the application summary letter from Reliance First Capital, which included my credit report, it also contained an application summary for a completely person for a loan she applied for on XXXX/XXXX/XXXX. The documents contain this individuals complete credit report ( via XXXX mortgage ) social security number, all of her account numbers and other XXXX. While this may have been inadvertently included in my mailing, it still raises concern about the quality control and compliance processes at this company. I am now concerned that my denial letter with full XXXX is being dispersed to other consumers who have applied for loans through this company.