WillisBack/dataset-financial-user-claim huggingface dataset:
I received a bill for XX/XX/XXXX that stated a promotional balance of {$720.00} due by XX/XX/XXXX. I also received a letter from the collections agency for this creditor the same month. I spoke to the collections department of care credit on XX/XX/XXXX and confirmed that if I paid the full amount of {$720.00} by XX/XX/XXXX my remaining XXXX did would be {$0.00}. I mailed in the check to them the following week along with my paper statement and they received it XX/XX/XXXX. Then I spoke to them XX/XX/XXXX concerned because I received a bill from them with a reminding balance of {$150.00}, and did n't understand why when I paid the promotional balance offered. I called XX/XX/XXXX and was told that a complaint would be forwarded for me and that someone would be calling me to follow up with the complaint. I never received a call regarding my complaint it was merely put into the notes section. My most recent phone call was with the account manager in customer service named XXXX who was very unhelpful and did not want to provide me with much information. She stated I was never offered a settlement amount, there is no such thing as a complaint department who I was told would be contacting me. When I asked if I could know who I spoke to to get the call reviewed because they are monitored and recorded, and prove that I was confirmed that if I pay the XXXX in full my balance would be XXXX $ she refused to offer me help. I used my care credit account for a XXXX transaction for my daughter XX/XX/XXXX in the amount of {$350.00} which I plan to pay but I will not be paying the remains balmce of {$150.00} as this should be taken off from the settlement amount.
On XX/XX/XXXX I sold my house which was under mortgage by Bayview Loan Servicing. The payoff request/statement received from Bayview on the day of closing did not include the last payment that was made on my mortgage ( {$880.00} ). The title company responsible for the closing called Bayview and was told that the last payment had not been included in the payoff statement due to insufficient time between payment being made and payoff request being requested. I was informed that the overpayment would be returned within 21 days. 
It is now more than two months since the closing and I have not received any funds back from Bayview. 
When logging on to my Bayview account online it states that the last payment received was XX/XX/XXXX. This is the date when the second to last payment was posted. So it seems like my last payment which cleared on XX/XX/XXXX, is missing from their system. 
In XX/XX/XXXX I had a similar experience with the same mortgage company. All payments were made on time but still Bayview claimed that one payment was missing. I provided documentation of all checks to them clearing the bank, but Bayview refused any wrongdoing. After I filed a complaint with the Consumer Financial Protection Agency they finally admitted that the mistake was on their part and that they accidentally had posted one of my payments incorrectly. The funds was finally returned to me. 
It seems to me a similar situation has occurred again. I have documentation that the last check on my mortgage cleared on XX/XX/XXXX, but Bayview claims the last payment received was XX/XX/XXXX. 
Due to my house being under a bond for deed contract the mortgage payments have not been made by myself directly, but though a company called XXXX. XXXX have provided me documentation of the last checks to clear the bank. This will be attached to this complaint. 
I am surprised and appalled that a mortgage service company can do this kind of mistake multiple times and wonder if it is due to incompetence or if the company is trying to defraud their own customers for personal gain.
Bought XXXX cars through Ally financial..payments made are not credited to the proper account or are missing completely. Attempts to rectify this are met with hang ups, or dead end emails and faxes. No one seems to want to actually be responsible.Only XXXX payments made have actually appeared on the correct account. Multiple phone calls lead no where.
XX/XX/2016 I called Citi credit card co. to get the payoff amount of my credit card, {$610.00}. I explained to the person at Citi that I would like to make the payment through BILL Pay XXXX XXXX because that is where all the other monthly payments were made. I explained that the payment would arrive about 5 to 7 days late and if that was OK I would proceed with the payment. I cut up the credit card and made what I assumed was my final payment. Citi did charge me a late fee of {$25.00} and I was not aware of this until they started calling me in XX/XX/XXXX. I did receive Citi card mail but was not aware it was a late fee but thought it was just information about my cash rewards and other offers so I never opened the mail but put them in the trash. To date my account is at {$120.00} because of late fees on top of late fees. Citi agreed to reduce it {$86.00}. but I feel I paid them in full when I called in to get the payoff amount. They have no record of this call. Do I have any rights or do I need to just pay the ridiculous late fees?
I cancelled my monthly home security service monitoring in XX/XX/2017. The monthly bill was auto pay for {$59.00}. 
After cancellation, I kept getting bills from XXXX XXXX XXXX. I called them, explained that the service had been cancelled. The representative apologized for the issue and told me she researched the problem and was going to credit the bill and that I would not have any additional issues. 

I am still getting debt collection notices for the cancelled service, even after XXXX XXXX XXXX assured me the error was corrected. Please see attached.
I do not know what this is! I have not had a payday loan in over NINE years. I paid a company over 2years ago for an XXXX XXXX loan I overlooked. I still have a copy of the " PAID IN FULL '' letter I received. Now, this Midwest Recovery is saying that I still owe! This is not right! Has to be some mistake!!
XXXX separate times I have made reservations with XXXX resorts. When filling out the payment information there is a pop up that says if you are approved with a credit card from barclayus you can save XXXX XXXX dollars on this reservation. Both times I have been approved and although it states it will take you back to the site it does not. I called Barclay and XXXX and sent letters to both and received no resolution or compensation. I believe they are merely trying to gather personal information and I am probably one of many victims of their desceptive practice. The XXXX incident was in XXXX/XXXX/2015 in my name and XXXX one was XXXX/XXXX/2015 in my husbands name.
I have a car loan with United Auto Credit Acct # XXXX. 
I spoke with a XXXX XXXX at XXXX XXXX Shes extremely unprofessional and kept threatening me on a recorded line My car payment is 12 days late, I have gotten 17 calls from them back to back I was on the phone and someone was actually calling while I was online with another rep
AES ( American Education Services ) Year of disbursement 2007 Original balance XXXX Prior balance XXXX Current balance XXXX Rate 7.125 Monthly payment XXXX Total interest satisfied XXXX Total principal satified XXXX Any time help is offered it is a deferred interest plan with a higher interest rate. 
They say they can help you and you spend years paying nothing but high interest payments
XXXX issued a {$50.00} debit card to me. It expired XX/XX/XXXX and I would like it to be reissued to me.
I had a loan with XXXX XXXX and after trying to work with them in 2017 to see what I could do to make payments since I couldnt afford them. I was told to apply for a forbearance or deferment right away without getting the option to see about an income driven repayment plan. Not only was I not aware of this but I was told I needed to pay {$50.00} dollars to be put into a forberence state which I couldnt afford to pay since I was living paycheck to paycheck just trying to survive. After all this happened, I stopped answering there phone calls for a short time to reset my thoughts and see about options. The very next time I communicated with them. They were rude, disrespectful and wouldnt let me talk without them talking over me. At the end of the phone call. I told them to stop calling me and to leave me alone. No sooner then the very next day, I started getting phone calls from them day after day after day. I answered quit a few times and told them to stop calling me especially since I was at work the majority of the time but still had no luck. The very last time they called me, I recieved a letter in the mail a couple days later saying they sold my loan to another company. My loan at the time with XXXX XXXX was around 5,800 dollars. By the end of everything when the loan sold, its over 8,000 now.
I have prev talked to reps at equifax and sent letter disputing inquiries and they remain reporting them on my credit file they removed the accts due to the fact that they were not mine and the company like XXXX verified that but they left the inquiries attached to them the only inquiry i should have is XXXX from XXXX XXXX XXXX XXXX that XXXX is valid ... ... but the one from XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are not valid
This is the SEVENTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX  XXXX XXXX that all the other credit agencys deleted except for XXXX XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 4 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time XXXX XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.
I have contacted this company several times asking them for debt verification. I have also contacted the original apartment complex and they told me to contact the CA. They are trying to force me into paying this debt that I do n't owe. They dont have a lease. We even went to court with this company and they ca n't even provide me with the transcripts from court.
I was denied a Barclay XXXX Credit card. my credit score is XXXX. I have another Barclaycard for William Sonoma. I have always paid the credit card bill on time. My male partner was immediately approved and his credit score is XXXX. XXXX 's asked me to send a copy of my utility bill and my tax return. I did and was denied again. I called and they said the concern was not my credit rating but that they have a lot of fraud. They asked me to send a copy of my Social Security card and my drivers license. I told him enough is enough. I think I am being treated differently because I am a woman and I think the request for personal information is excessive. i 'm feeling harassed. Reference # XXXX
Hi, We had been working with Nationstar ( now Mr. Cooper ), the servicing entity for our home mortgage loan for XXXX XXXX, on a loan modification back in XX/XX/XXXX. When it became clear that a new loan modification was not going to be approved, we decided the only path forward was to sell our house. Hence, we notified Nationstar in XX/XX/XXXX that we were putting the house on the market. 

In order to ensure we could sell the house, we borrowed money to get the house ready for sale, including replacing the roof. The roofing company had a backlog ; so it took the roofing company till late XX/XX/XXXX to put on the new roof. While we were waiting for the roof, we continued our efforts of the past eight years to try to work with XXXX and Nationstar to save our home. 

When it became clear that our efforts were futile, and after the 50 year old roof was finally replaced, we put the house on the market on XX/XX/XXXX, and it sold on XX/XX/XXXX, with a Purchase & Sale Agreement signed by both buyer and seller. 

To ensure a smooth process for paying lien holders and as recommended by our housing counselor, we requested that our real estate agent contact Mr. Cooper/Nationstar with information on the transaction. She did so via a phone call on XX/XX/XXXX or XX/XX/XXXX. The house is in escrow and is scheduled to close on XX/XX/XXXX. 

On the evening of Monday, XX/XX/XXXX at XXXX, we received a Notice of Default ( NOD ) taped to our front door. At the advice of our housing counselor at XXXX XXXX, we sent the Trustee of our loan ( XXXX XXXX ) a communication, requesting that they rescind the NOD, since they would soon be paid the full amount owed on their loan. 

By executing the NOD in spite of having knowledge of the sale, Mr. Cooper/Nationstar/XXXX XXXX  is adding undue risk to the sale of the house and closing. Our housing counselor says a NOD event shouldnt happen in the middle of an escrow closing, and this is a key reason why our realtor proactively notified Nationstar/Mr. Cooper of the sale of the house and the scheduled closing date well before the NOD was posted. 

Thank you very much for your assistance in resolving this matter.
XXXX XXXX is claiming on my credit report that I owe them {$630.00} I called XXXX XXXX to cancelled my policy i inform them that I have move on to XXXX XXXX with no lapse time as required by XXXX XXXX four month later they report me to the credit agency.

I never sign a contract with them as is not required, I would like this item deleted from my credit report.
I had fraud charges filed on 4 credit cards with Capital One credit card company. 
All of this problem started in XX/XX/XXXX I complained about charges on my cards and Capital One sent the information to their fraud Dept. The fraud department suggested that they change my card numbers and they sent me 4 new cards. When I got the new cards there was charges on the new cards that was not mine. I now have about 35 new cards that Capital One sent to me during this period of time with emblems on the card to go to Capital One.com/activate, which I would not do, because when I received the cards there were charges on the card that were not mine. I have not used any of these cards since XX/XX/XXXX. On one card Capital One owed me money and they sent me a check for that amount and at that time I requested Capital One to close all my accounts, which they did, as I assumed that this would be the only way to stop charges on the accounts and it did work. One time I asked Capital One how could people charge on my cards and they said XXXX XXXX would let them charge and Capital One said they had no control over XXXX XXXX, because Capital One had an agreement with XXXX XXXX and they were responsible. 

I have been trying to clear up this matter with Capital One since XXXX and they sent me letters saying I would not be responsible for the fraud charges and I would not have to pay for this problem, which they have honored up until now. They have on my credit reports that I was late in XX/XX/XXXX, which I did not know they were settled. When I found out I started making minimum payments on three account to keep these charges from showing up on my credit report. 

Capital One has said they are going to fix information on my credit reports, but it will take 60 to 90 days to have the information recorded in the reports. 

I have an application for a VA loan on a home that the Bank said unless I get this information cleared up they are going to have to cancel my loan and turn the application down for credit problems.
I obtained a home mortgage through a non-profit housing agency called XXXX XXXX XXXX. I made my payments through a mortgage servicer named XXXX , XXXX. I fell behind on my payments because my husband was in 3 serious car accidents and XXXX XXXX. We incurred thousands of dollars in medical debt and were working with XXXX, XXXX On a loss mitigation that was supposed to be effective XX/XX/XXXX. In late XX/XX/XXXX, I received a notice that the XXXX XXXX XXXX had sold my mortgage to a new servicer called XXXX. They are out-of-state and do not have area offices. I tried to register for an account to access their online system to understand what was going on, but received an error message because they have no record of my loan. I then called XXXX three calls and spent a long time on hold each time before I could speak to a human. XXXX is like a black box when it comes to accessing information or assistance, but has been very effective at sending 2-3 delinquency notices a week ( including 2 letters yesterday ). I was finally able to speak to a loss mitigation specialist this week only to be told they dont have any information. They have not received my files and asked me to contact XXXX to obtain the files myself since they might not have them until XX/XX/XXXX. The trouble with this that my loan will remain in collections and I will not be assigned a loss mitigation counselor until I receive it. The bigger concern is that even though my modification had already been approved by XXXX, they are treating my loan like a delinquency. My modification will now need to be reviewed and approved by XXXX. This will further prolonging the issue that I had already taken each and every painstaking step to resolve through the appropriate channels. I contacted the XXXX XXXX XXXX ( XXXX ) and asked them to address the Commissioners to let them know how disappointed I was that they sold my mortgage to an out-of-state company that only allows FHA recipients to make payments through the mail and not electronically, and that my loan modification fell through the cracks. XXXX instructed me not to and has been sending me emails that include their executive staff. This is very intimidating and it feels like now they are punishing me by telling me I did not comply with the terms of the agreement when I have not received any letters from XXXX, XXXX, XXXX, nor HUD telling me as much. All I want is to put the ordeal of my husbands medical problems and delinquent mortgage behind me. I have done everything right to make this happen, and am challenged to understand why Im suddenly back at square one with XXXX. I want to pay my XX/XX/XXXX mortgage payment and I want to stay in my home.
Today a fellow Co-work contacted me stating that a XXXX XXXX from Cavalry Portfolio Services was requesting to speak to me. They are contacting me at my place of employment and I know this is not permitted.
My mortgage was sold to Seterus.Inc in XX/XX/XXXX from XXXX. We were not notified of our loan was going from the frying pan into the fire. We was told our first payment to Seterus would be {$710.00} as we had what was called an overage amount in a suspense account. XX/XX/XXXX paid the normal load amount. XX/XX/XXXX paid the normal amount but check was late by one day and we where charge a late fee and paid it. XX/XX/XXXX through XX/XX/XXXX began a nightmare that we are now waking up from. We were told that our loan was in default XX/XX/XXXX and had to make a payment of {$5000.00}. By XX/XX/XXXX we would have paid Seterus over XXXX. No one would speak to us except to tell us the only thing they would do is to give us a payment plan with paying {$400000.00} a month on a monthly payment of {$2500.00}. Over and over and over we questions this amount and never got an answer. The online statements never made any sense and no one wanted to explain. Subjects to wait time on the phones for 30 minutes at a time. Threatening phone calls and letters saying they would foreclose on my home unless paid by the time they would set. Fearful of loosing my home today I have paid over {$75000.00} dollars to the company and still I do n't know for what. Call takers and managers or rude and short fused, dare say anything to offend them and your call will go into cyberspace and you wait and wait for them to come back to the phone. This company has ruin my credit by false payment reporting. Left me barely eating or living by stealing my money and threatening to take my home every month for 2 years. Too date, I 'm waiting for an investigate of loan/payment processing to go over my loan. I paid my mortgage online as I have done for the last 2 years with my debit card, payment went right to my account. Today I tried to pay it and was blocked. I called customer service and was told because I paid them late in XX/XX/XXXX, I was barred from paying online again. When I told them I 've been paying online for the last year, I was told, " the system had not caught up with me until now. '' I was told I need to go to the bank and get a certified check or send a money order only. Trying to interpet their on-line statement is impossible. I need help in exposing this fraudulent company and recovering my loss. In efforts to show you the monthly statements increasing in payment instead of decreasing, I have attached a few. I have all of them.
In XX/XX/2015 I refinanced my VA mortgage with XXXX and they issued payoff to Loan Care for existing loan of {$260000.00} and has never issued a mortgage lien release on my property. I am now is process of doing a bridge loan to purchase another property and requirement from XXXX is a release of the mortgage with LoanCare. I have tried many times to obtain such a lien release and have been told by all parties I spoke to that release was forthcoming. However, to this date I have not received any release of mortgage which has delayed my closing on new property for more than a week. Still do n't have release and can not close without document. 
I am now in jeopardy of losing earnest money in addition serval appraisals costs to this point. Any help would be greatly appreciated.