WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage company, Wells Fargo sent me an Escrow account disclosure statement to inform me that I had an Escrow shortage of {$1600.00}. I was advised in this same document that by paying the amount previously mentioned by XXXX XXXX that my new mortgage payment would be {$1500.00}. The {$1600.00} was mistakenly applied to my XX/XX/XXXX payment, which was eventually resolved. However, I was informed by Wells Fargo on XXXX XXXX that my new payment was going to be {$1500.00}. When I called to ask where the extra {$10.00} was coming from I did not receive a clear, satisfactory explanation. I was also told that nothing could be done to restore the payment amount on Escrow account disclosure statement of {$1500.00}.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
XXXX XXXX was removed, paid in full and removed XX/XX/XXXX. Through Equifax. The amount was XXXX. I was sent confirmation it was removed and paid in full from Equifax dispute service. After paid I waited and disputed to have it removed. Somehow miscommunication happened. Then it Reappeared, showing I was disputing a paid item. Now I look again it 's back on there as owed. It went from paid, removed, to paid, that I was disputing it was paid. To now a balance is showing again. I 've sent to XXXX multiple times, it 's Been ignored. Then there is XXXX XXXX reappeared on XX/XX/XXXX. It had been removed years ago for inaccurate information and wrong amount. I have copies of credit report with this not on it. All the sudden it 's there. The original account was reported in XX/XX/XXXX. I called XXXX a week ago when I first seen it. They assured me they seen nothing opened on XX/XX/XXXX. Now it 's showing on all 3 bureaus.
I keep getting calls on my cell phone from the national service bureau from number XXXX trying to reach someone that does not live at my address about an accident from 2014. I have asked them repeatedly to stop harrassing me. They are located in the state of Washington. They say it is a forwarding number which is a lie.
I frequent the online website and contacted Navient in the past to secure lower payments in effort to lay back my student loan. Although I am not a high income earner, I do not qualify for income driven repayment with reasonable monthly amount due. Reasonable would be $ XXXX. When I spoke with the reps and online, the repayment amount was at least $ 900 monthly, which is close to the usual monthly payment. The need to lower the amount to qualify for income driven repayment is necessary as most people have basic expenses needed to live : food, shelter, transportation nd associated costs. Navient would rather discuss overbearing versus an actual repayment plan with reasonable payments. The reps are located in other countries and have absolutely no idea that {$900.00} plus per month is completely unreasonable. To pay that, we would have to live in a shelter.
Overview : Purchased a diamond Ring from XXXX XXXX on XX/XX/XXXX for XXXX. I was told and I reconfirmed that there will be NO interest charges for 12 months on this sale. My first statement with closing date XX/XX/XXXX was with no interest charges. However on my second statement ( Closing Date XX/XX/XXXX ) XXXX XXXX charged me 26.99 % interest charge on my balance. 

Details 1. XX/XX/XXXX/Original purchase {$1400.00} 2. First Statement ( closing date XX/XX/XXXX ) - No Interest 3. Payment {$120.00} credited 4.  Second Statement ( closing date XX/XX/XXXX ) with 26.99 % on balance Contacted customer service on XX/XX/XXXX but no resolution.
there were several inquiries in my credit on XX/XX/XXXX regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit
On XX/XX/XXXX I got credit alert notifications from XXXX XXXX that there were some changes on my XXXX Credit File. I checked those notifications and noticed there were multiple accounts appearing on my XXXX Credit File as of XX/XX/XXXX that had never appeared before. I immediately called XXXX  and talked to them about those accounts not belonging to me and never opening those accounts and that I believed those accounts were fraudulent. I noticed the account were open back in XXXX and just now appeared on credit file. I sent to XXXX a completed FTC ID Theft Affidavit/Report, a cover letter explaining I have been a victim of identity theft, a copy of my drivers license, a copy of my social security card, a copy of the credit report indicating what accounts were fraudulent, and a copy of the FCRA 605B ( 15 U.S.C. 1681c-2 ). Since XX/XX/XXXX I have called at least every other day and have spoken to individuals in the customer service department, fraud department, and supervisors in both departments. I have asked them if they have received the paperwork I sent to them via certified priority mail through USPS and they have said yes every time and that those documents have been scanned and uploaded to the system. I have been told that a dispute has been open for fraud and have sent that dispute and the paperwork I sent them to the creditors and I have to wait 30 days or up to 30 days for it to be resolved, but I have every time specifically explained to them that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) they are to block/delete those accounts that I identified as alleged fraud from my credit file within 4 business days and they always have excuses for not doing so and tell me I have to wait. They have not addressed my issue and I am currently in escrow for a home and this came up and I have begged them to please resolve my issue and help me out and they have refused to and have ignored every attempt I have made and have disregard the current FCRA 605B in place to protect individuals like me who have been victims of identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have provided to them everything requested and needed for them to comply with this request to block the items on the FTC ID Theft Report and they have failed to do so now and within the 4 business days.
Received a phone call and the lady ended up leaving a voicemail since I was working at the time. In the voice mail she identified herself and then immediately said she was from Navient. This was the first violation of fair debt collection practices act as I did n't request her to identify her employer, section XXXX item 1 ) ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer. She then goes on to say she 's trying to get in contact with my cousin or uncle, so this is their debt not mine. She then ask me to pass along a message to either one of them that Navient is trying to reach them. Not only is this harassing and abusive to ask me and my other family members to pass along a message but it is in clear violation of the fair debt collection act. In particular it is a violation of section XXXX item b " COMMUNICATION WITH THIRD PARTIES. Except as provided in section XXXX, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' By asking me to pass along a message they are communicating with me in the collection of the debt. 

Further as this was in a voicemail that was left and not during a conversation it leads me to believe that the message left was a script supplied to the lady that called from her employer Navient. Being that Navient is a large supplier of loans one would assume that they are in full knowledge of their violation and chose to ignore the Fair Debt Collections act
An individual identifing herself as XXXX XXXX from National Collegiate Trust called my husband, XXXX XXXX, telling him they were calling to collect on a debt in the amount of XXXX from the XX/XX/XXXX-XX/XX/XXXX school year. She told him AES ( American Education Services ) made a significant payment XX/XX/XXXX, but the debt was not paid off in full. 

She then asked him to verify the billing address and told him because he was my spouse she could provide him with this additional information. XXXX is not a co-signer on this loan and the notes are currently held by XXXX ( formally XXXX XXXX ).
They try to sent an collection notice to me but on on the purpose sent to the wrong address. and keeping telling me about that if I not pay for and it will be damage your credit so badly.
Payliance has failed to provide notification of debt collection. Payliance has not responded to my request to verify the debt. Payliance is required by the FDCPA to provide validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation with Payliance.
In XXXX XXXX I rcvd my first letter from Cavalry Portfolio Services Requesting Payment of XXXX XXXX XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of XXXX states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for XXXX on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with Calvary for the last year on a previous debt which they also failed to validate as requested.
I recently reviewed my Experian Credit Report. Since XX/XX/XXXX I have been disputing XXXX accounts, XXXX XXXX XXXX ( Account # XXXX & XXXX ). On my Experian Credit Report these XXXX accounts show no payment activity and or transactions. Furthermore, the XXXX accounts are more than 7 years old. ( # XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX )
TransUnion is not reporting the Date of First Delinquency associated with an account on my report. 

This account is more than 8 years old, and it has already been settled. This is a blatant attempt by the creditor/ debt collector ( THE BUREAUS ) to Re-Age this account. 

I first contacted TransUnion regarding this matter by mail on XX/XX/2018. Despite further contacting TransUnion, as well as the creditor on numerous occasions, both in writing and by telephone, neither have provided a Date of First Delinquency as required. Had TransUnion conducted a proper investigation of this matter, it would come to light that this account is 1 ) over 7 years old ; and 2 ) has been closed/ settled with the original creditor. 

This matter is a case of a creditor 's shameless attempting to Re-Age a debt which is time-barred for reporting under the statute of limitations.
I took out a loan from Big Picture Loans in the amount of {$1000.00}. I was told the finance charge would be {$350.00} for a total of {$1300.00}. I did not see the documents until after I signed. This is apparently not the case and the interest is in excess of 800 % with a bi-weekly draw on my bank account of {$350.00}. I was also told I can not stop ACH as I agreed to ACH in the agreement. If I revoke ACH, BPL states they have the right to present electronic checks to my bank.
Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX  TX XXXX  RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately.

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}.

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount.

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount.

..

I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX   attorney ; the Chapter XXXX  bankruptcy trustee and court.

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date.

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}.

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX  Nationstar Mortgage Number -- XXXX
Experian has a ongoing issue of not updating my correct address I have hade to pay people to help me with this before however it cost me allot of money Experian seems to go out of there way to cause chaos and have no fear of doing so when I try to dispute this issue myself the online system ask me security that make no sense and can not be answered correctly and a screen come up saying unable to complete please fax your dispute to this number
I submitted an application to lease an apartment. The credit check Rental Report lists in the column with information from EXPERIAN, the address of my ex-husband XXXX an address where I have NEVER lived! EXPERIAN does n't have any way for me to dispute to REMOVE this incorrect information on their website or by their automated phone system. PLEASE GET THIS INCORRECT INFORMATION REMOVED FROM MY FILE AND THE RENTAL REPORT updated. Thank-you.
I sent in dispute letters to the credit reporting agencies ( XXXX, XXXX, and transunion ) and a validation letter to the collection company ( XXXX XXXX ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/XXXX and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.
I sent a letter to National Credit System regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to National Credit System back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my XXXX credit report immediately.
I have a car loan with CPS, the original loan amount was {$9100.00} ( XX/XX/XXXX ), Interest Rate 25.50 %. As of XX/XX/XXXX I have paid {$14000.00}. Interest on {$9100.00} is about {$2300.00}. Total that should have been paid is {$11000.00}. I believe I have over paid by about {$2600.00}. CPS still shows I owe {$1600.00}.
Today XX/XX/2019 I tried to submit a dispute on my XXXX credit report. After submitting all the information they ( XXXX ) would not allow me to submit my dispute. It stated that I already disputed these items and to call that toll free number again. I've tried several times to reach a live person to dispute these accounts that are wrong and can't even speak to a human. XXXX XXXX  XXXX XXXX XXXX is paid in full ... .XXXX XXXX   XXXX has fraudulant charges ... .XXXX XXXX was verified as never paid late ... .and XXXX   XXXX was verified as never paid late .... ( XXXX did a proper investigation and that was the outcome and correct results ) XXXX has fixed my credit report but XXXX   won't even let me on the system. This is not right as having this wrong information reporting is hurting my credit and causing me a hardship. I am fustrated at the fact that they won't even let me re-dispute this information nor let me online to do it.
When I attended XXXX XXXX XXXX, I was unaware that they got a private loan in my name. I was under the impression that I was getting federal loans like the rest. I've called this company explaining the situation and they refuse to comply. Please help me. This is wrecking my credit. I've filed an FTC report as well.
we have been trying to short sale our home due to my wife 's medical conditions for the last 2 years I have given them al the required info they have requested we have now been thru XXXX buyers on our home and They still keep asking me for the same documentation every time we give them things as they need it and still have to send more papers every week.here is what we sent them
The complaint is against Guaranteed Rate XXXX. There are 3 issues with loan processing and closing cost. 

1. Not able to close on-time - Guaranteed Rate had more than 2 months for processing the loan application, There was not a single document delay on my end. I ended up bearing extra rent cost XX/XX/XXXX, this was solely due to Guaranteed rate 's inability to close on time that they had committed. 
Application was originated on : XX/XX/2015Original closing date : XX/XX/2015Actual closing date : XX/XX/XXXX 

2. Closing cost - I was quoted closing cost to be around {$2000.00} ( I have email proof from the Guaranteed Rate ), I ended up paying close to {$4000.00} instead, including attorney fee. I was promised that closing cost includes attorney fees. This closing cost does not include the escrows and other pre-paid expenses. 

3. Pre-paid interest - Even though we closed on XXXX, my loan started from XXXX and I was charged pre-paid interest even when the loan was not actually closed. 
The loan interest started fron : XX/XX/2015Actual closing date : XXXX. The HUD-1 document was provided to me 1 Hour before the actual closing. Guaranteed rate did not provide sufficient time to review the document and sign. If I had not signed the HUD-1 document, the deal would not have closed on time and I would have lost my deposit ( {$27000.00} ). This is such a non professional experience and sort of a black mail to agree to their terms.
I have been a very good customer to Barclay 's Card for a year and two months. The credit card company has not provided me with good service regarding a charge to the card which inevitably caused me to have to pay in excess of {$190.00}. Without any service for my protection in these types of disputes, I ended the relationship with the credit card company.