WillisBack/dataset-financial-user-claim huggingface dataset:
My adjustable rate mortgage increased and I have no problem making the payments, as my FICO score is greater than 803 and I have plenty of money. 
My problem is twofold : 1 ) the statement I received is misleading ; and 2 ) the " customer services '' practices of this company is deceivingly a sales gimmick. 
Ditech maneuvers to first sell re-finance packages immediately AND before it transfers me to the customer service center to discuss why it held in suspense over {$1200.00} I timely paid toward my mortgage, while simultaneously claiming I owed twice the monthly payment by XX/XX/XXXX, else I would AGAIN be charged a late fee of {$63.00}. 
Ditech immediately answers their phone ( which is the only number posted on their statement ) to sell refinancing and homeowner 's insurance. Only after they 've pushed their refinancing sales on customers are we then transferred to " customer service '' and then we have to " press 1 '' to not have to go through this process again, but to instead have the privilege of holding on the line to discuss the issue regarding which we called. Having pressed " 1 '' so as not to have my call dropped, I held for over 10 minutes to wait for " customer service '' to attend to the issue. The issue was resolved by me paying the late fee of {$63.00} and the increased adjustable payment of {$67.00} ( to add to the {$1200.00} which was " funds in suspense '' ). 
The statement is misleading. It claims I owed {$2600.00} by XX/XX/XXXX, which does not give me credit for the {$1200.00} I already paid and which they acknowledge receiving ( yet held the funds in suspense ). The statement SHOULD have said I owe {$130.00} ( {$63.00} in late fees and $ {$67.00} representing the balance due on the increased adjustable payment to make my {$1200.00} payment whole. ) Once I worked this confusing billing statement out, I wondered what happens to the elderly and " little guys '' who do n't have the time or resources to navigate through Ditech 's sales tactics, holding the line ( have to press 1 not to have the call dropped ) and persevering to get the correct balance due amount articulated so the money Ditech already received is applied to my payment? 
While I was thinking this out loud on the phone with the " customer service '' person, she had the audacity to ask me if I 'd like to buy homeowner 's insurance -- clearly a " canned pitch '' she was required to ask as part of her concluding the call. 
I know there are worse companies out there than Ditech, but these processes and practices that Ditech now has in place are predatory and justify the existence of the CFPA, assuming the CFPA is cost effective in regulating this kind of behavior.
I called the NCC Business Services XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ; to try to make a settlement agreement. They told me that I would need to pay 10 % ( {$150.00} ) then make $ XXXX monthly payments until paid off. I explained that I could do this on XX/XX/XXXX. To pay the {$150.00}. I also then requested a written letter to be emailed, faxed, or mailed to me stating the agreement to settle with payments. XXXX XXXX then stated that they do not give written proof of agreements. That they will only give me something in writing after it is paid off XX/XX/XXXX. That if they gave me something now to prove it was settled then I could give that to whomever I needed verification for and they would n't get paid. I have tried to call back several times to speak to someone else or a supervisor, but I keep getting hung up on. I was told by XXXX at the CFPB that they are required by law to give written repayment plans prior to the first payment being made. I called again today @ XXXX, again was transferred to XXXX XXXX . I requested my Account Number, and he asked how I would be making a payment. I told him that I would not be considering he refused to give me anything in writing. He stated again that they by law did not need to give me anything regarding the payment arrangements.
I got a loan was suppose to be XXXX for a XXXX durango I gave the dealer XXXX vechicles XXXX grand prix and XXXX ford explorer XXXX down and payments of XXXX they tricked me to get the loan they said they had to raise it to get financed. The engine light was on at the time they fixed the car XXXX times but the light always came right back on the same day. My car has never passed inspection because of this. I spoke to them because i have never driven the car far because of this problem..I have tried everything to get this fixed i have been paying on a note for a car that i can only use in the neighborhood. I went to them today for help again i explained yall ripped me off and i need a car know to get around further. I am willing to compromise but I want to sue they used me and it is ally financial. I received a settlement letter in the mail a week ago about a class action suit. I am not the only one going thru this. Please help me. 

Thank youXXXX XXXX XXXX
Bank of America is engaging in fraudulent business practices by charging me excessive overdraft fees, then claiming my bank is overdrawn by over {$1000.00}. The only reason my account was overdrawn by over {$1000.00} is because Bank of America has been engaging in fraudulent business practices. In addition, Bank of America fraudulently reported my name to XXXX and XXXX even though Bank of America charged me excessive overdraft fees. Bank of America is engaging in illegal acts by charging excessive overdraft fees then reporting me to XXXX and XXXX after charging me those excessive overdraft fees in excess of {$1000.00}. Bank of America is engaging in fraudulent business practices and false advertising.
I 've tried to contact XXXX XXXX XXXX ( formally XXXX XXXX ) and they 've denied my request. I 'm filing a complaint on this judgement because it was unfair and inconsiderate. This is the letter Ive sent to them. 

To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payments was reported on [XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ] for my account [ loan account number XXXX ]. 

During that time, my mother fell XXXX XXXX, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her healthcare expenses. I fell on very rough times after she XXXX XXXX, and was unable to make my car loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. Then i was hospitalized for a few weeks and it cause me to lose another job. 

I 'm not proud of this black marks on my record, its 5 of them, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.  rebuilding my future. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 

Thank You.
This should have been covered with my insurance I went back to the hospital a couple of days later and the insurance paid that claim I dont understand why they did n't file this claim
XXXX XXXX I bought a XXXX smart phone at a XXXX store. I told the clerk I needed to connect to internet on multiple devices, including streaming XXXX. She sold me an unlimited data plan to meet my needs. When I got to my son 's home I looked at the papers the XXXX clerk gave me and noticed there was no invoice detailing the service -- such as how much data, when I would be billed, for how much etc. There was only a receipt for the phone itself. I immediately called the store to complain about this and was told the store would be closing in 30 minutes -- not enough time for me to go back there to get an invoice. The next day -- Monday -- my grandkids visited me so I could not go to the XXXX store for the invoice for services they neglected to provide. On Monday I attempted to use the phone 's data to connect to the internet on one device and also connect to netflix using firestick on my TV. I was able to connect to either one or the other using the XXXX 's phone hotspot but I was n't able to connect to two devices at the same time. I owned a {$25.00} smartphone that comes with a limited amount of data per month. With this really cheap phone, I am able to connect to both a laptop and watch XXXX on another device AT THE SAME TIME. So I know what 's possible and I dispute the XXXX clerk 's description of the XXXX XXXX as a " high end '' phone if it ca n't do what my cheap phone CAN DO! 
On XXXX morning, less than XXXX hours after I bought the XXXX phone, I returned it to the XXXX store where I bought it, citing the reasons given above. The clerk said he would refund {$1.00} to my XXXX card mastercard but would charge me a {$50.00} restocking fee. I asked why and he said because it was a high end phone. I consider iphones to be high end phones. I pointed out that the XXXX phone did not perform as was promised and was not able to do what my super cheap smartphone can do. I told the clerk I would dispute the {$50.00} restocking fee with the credit card company. I did dispute the {$50.00} restocking fee. XXXX issued me a credit on my next statement, but now the full amount of {$51.00} AGAIN appears on my XXXX card statement. Furthermore, the sales clerk I returned the phone to lied right to my face. He told me XXXX would " waive '' the {$5.00} data charges I incurred for the incredibly short time I had this phone, but XXXX actually did charge my XXXX card {$5.00} for the data. I did n't dispute the {$5.00} data charges because I actually used a small amount of data.
Attached is my birth certificate as my name is not XXXX XXXX XXXX 5. 

I am disputing public record and XXXX accounts.
My initial Mortgage was with XXXX and was late passed over to Nationstar mortgage. Without my input or any sort of options. Since my Mortgage has been in the hands of Nationstar Mortgage, I have made several inquiries to the company. ( 1 ) I requested a review of my account, because I felt that all over payments that I had made, over the years. Was not being applied to Principle as intended and requested. They took several months to respond. Only because I persisted, in my request. I did not get a satisfactory response. ( 2 ) Nationstar discontinued sending me monthly statements, even after I notified them, that I had not elected paperless statements. Today, I have not received a monthly statement in over 6 months. I would like an investigation into this account. Possible transfer to another company.
My complaint is Wells Fargo mortgage. My complaint # XXXX. I 've been Wells mortgage since XXXX XXXX. When I brought this property, there 's XXXX separate lots only XXXX lot with mortgage. Mortgage on address XXXX XXXX XXXX XXXX XXXX Oregon XXXX. Other XXXX lots is has no mortgage. Although when I purchased this property it was all connected. 
On XXXX XXXX XXXX I spoke to XXXX XXXX of Wells to resolve. I told Wells is not right. What I 'm fighting about is that Wells is making me to pay all XXXX property tax lots. Before refinance, which address XXXX XXXX XXXX XXXX property tax included in mortgage. After refinance XXXX XXXX XXXX XXXX is not include property tax in mortgage. It was never brought to my attention at the time of refinance. In my first payment I discover it Wells withdraw more than I 've agreed. 
Wells said all XXXX property tax lots I 've to pay. I told them, escrow XXXX XXXX XXXX XXXX property tax should be included in mortgage. Indeed I will pay XXXX other property tax lots ( which does not have mortgage ) or I will pay XXXX property tax lots on my own but Wells is not willing to do that instead they like to bundle all together. I do believe Wells see loop hole with XXXX lots and make it confusing to understand. The reason wells got involved I owned property tax on the other XXXX lots was discovered in XXXX. 
From beginning bad communication and never return phone call. It 's was so sloppy we missed closing in XXXX XXXX. XXXX said I 'm long committed customer to them and offer me XXXX steps refinance at 3.5 % with no closing cost. XXXX XXXX in our last conversation said I am XXXX with this and I agreed to this. That 's XXXX! We do not have agreement. I need help resolve this issue. I look forward to hear from you. Thank you
For 3 years Allied Interstate has been calling for an unknown person to me, XXXX XXXX, and will not stop with the calls no matter how many times they have been told to remove our phone number. Speaking to a supervisor does not help either. I am told they are sorry and will stopand then the calls happen again and again every day, several times a day, morning or night. They are making our lives a living hell even with a answering machine.
I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped 31 points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called Equifax last month ( XX/XX/2018 ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX XXXX number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the financial manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX Sheriff 's Dept to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.
On XXXX report, it shows that XXXX XXXX XXXX that I owe a balance of {$310.00}. The alleged account also states that it was closed XX/XX/2013. I have no knowledge of this account. Also the alleged account was closed over 5 years ago and needs to be removed from my XXXX report. After the account is removed please send me another report.
In XX/XX/XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month XXXX XXXX   and Experian both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.
My car payment is due on the XXXX of every month. It 's handled 100 % electronically. I do n't receive paper statements. 

On XXXX XXXX, XXXX, I went online to the GMFinancial website to make my payment. There was a message that the site was down for maintenance. 

The following Monday I attempted to call and got a recorded message that the customer service department was closed while systems were being updated. 

I attempted to go online and to call every day. 

Today, XXXX XXXX, the site went live again and GMFinancial is charging me {$220.00} in late fees ( on a {$380.00} payment ). 

The payment was n't made because all of their systems were unavailable. The onus for any lateness in on them - I made every effort to make my payment on time and their system would n't allow it. 

Additionally, I question why a late fee would be 60 % of the regular monthly payment. 

During the time I 've had this account every payment has been made on time and every payment has been for more than the minimum payment due. 

I do n't know if this is sloppy business or an intentional attempt to defraud me. 

I request your help in resolving this issue.
My mortgage provider Bayview Loan Servicing. On XXXX XXXX, XXXX I made my payment of {$770.00} via their automated line. the payment was processed and withdrawn from my bank on XXXX XXXX, XXXX. In the beginning of XXXX Bayview stated that the payment was returned as a " not authorized debit ''. I was in contact with my bank and reviewed my bank statements and the money was withdrawn. I disputed it with the lending institution and was told i needed to provide bank statements as proof which I did. I have made four attempts to resolve this matter with Bayview. Each letter or call I make they request more information including several months of bank statements, requesting that I send proof directly from the Bank 's fax number as opposed to my private fax, all of which I have obliged. I went as far as getting detailed advance search from my bank detailing the payment being withdrawn, showing the ACH trace number proving that in fact Bayview did receive payment. The last call I made to my mortgage provider the customer service rep reviewed all the documentation and agreed they did receive payment and attempted to resolve my getting me over to the manager of the escalation department, the attempt was denied. The last denial of resolution letter I received now stated that the reason for the returned check is now due to a " closed account ''. I can assure you my checking account is not closed as i have made all of my current mortgage payments from that account. I have been in contact with my bank on several occasions assuring me that they have received payments. I am at a loss of words and am appalled that this situation has yet to be resolved after providing all the evidence that payment was remitted to BayviewLoan Services. This is affecting my credit report negatively as well.
I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from Gurstel law firm. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. Gurstel law firm got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say Gurstel law firm has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is  unlawful to say the least.
This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, I did dispute them with equifax and they stated that they would not remove and claimed there " factual records on file '' I provided them with the police report as well the extended fraud alert, I have on my credit rerportFraudulent Inquiries -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX, XXXX XXXX XXXX/XXXX/2015XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX XXXX/XXXX/2015XXXX XXXX , UT XXXX XXXX : ( XXXX ) XXXX
Experian refuses to removed dated bankruptcy from 2008 off my credit report. The other XXXX credit bureaus have done so.
I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections from XXXX XXXX XXXX for {$470.00} through XXXX XXXX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX
I attempted to negotiate a reduced amount for a full and final settlement of my debt. The collection company, Frost-Arnett Company, told me that I had to front the money that I was offering and they would take that amount to the creditor and see if they would accept it for settlement. I provided my account information and the funds were withdrawn. I was contacted three weeks later and told that the creditor had refused to accept my offer of settlement. I was also told that the money I had offered for settlement would not be returned to me and that I was still responsible to pay the remaining balance. This was not my offer. I wanted to settle for an amount, full and final or I would be willing to make payment arrangements for the full balance.
I have repeatedly made attempts to submit a dispute online and by calling Equifax. None of these attempts have resulted in the inaccurate information being deleted. Equifax seemingly requires customers to obtain a current " Equifax '' credit report from them in order to process a disputed item. This is ludacris. XXXX XXXX monitors my credit rating and made me aware of the inaccuracy. XXXX and XXXX have both deleted the inaccurate reporting but still no success with Equifax. I have obtained a police report through the XXXX Police Dept. documenting the violation in case I am unfortunately harmed by this negative credit item.
Equifax has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
In a attempt to purchase  XXXX , I was instructed by Oracle corporation to Email money to :  XXXX  XXXX  XXXX . I sent {$56.00}. As it was a cash transaction  XXXX , said it could take no action.I will contact  XXXX   XXXX  next.     Oracle -Transaction  XXXX . No   XXXX   have been received and their is no response from that  Email address or so far from Oracle.    The money was sent through  XXXX  - Payment For  XXXX   XXXX  Transaction  XXXX
We have a mortgage on a condo in FL. We have been making regular on time electronic payments for close to 22 months. In XXXX 2016 the mortgage servicing company did not post our payment. Our bank statement showed that the payment had been sent, the amount deducted and received. The transaction was marked completed by the bank. I called the mortgage servicing company and asked them to check on it. XX/XX/XXXX came and I made the payment and the same thing happened. The money was deducted but the mortgage servicing company again did not acknowledge receipt. I have made a call per week to the mortgage servicing company with no satisfactory resolution. Yesterday I received a certified letter telling me that we are in default. Today I have again made calls to the mortgage servicing company and my bank to send proof of payment.
I am writing to dispute  XXXX    XXXX    XXXX   XXXX  on credit report number  XXXX . The account status and high credit is incorrect. Please delete the account.     Please attached credit report.