WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I received a letter from Fay Servicing informing us that they had acquired our loan from XXXX XXXX XXXX ( loan # XXXX ). 
The letter advised us that the first payment was due XXXX/XXXX/XXXX in the amount of {$1500.00}. Our payment had already been made in the amount of {$1500.00} which has been our payment since the loan was modified XXXX/XXXX/XXXX, never missing a payment and never late. 
I was assigned a contact manager with Fay Servicing by the name of XXXX XXXX. Phone # XXXX XXXX XXXX, email XXXXXXXXXXXX. I immediately contacted him by phone and fax as his email came back as undeliverable. 
I explained to him that our payment had been sent and received in the amount of {$1500.00} and asked why the increase in the payment. He told me it could be due to insufficient escrow. I advised him that our escrow payment was {$5900.00} per year and that our actual escrow amount was less than the paid amount. He suggested that I pay the difference of {$40.00} which I did ( confirmation # XXXX ) on XXXX/XXXX/XXXX. 
Our payment of {$1500.00} was returned to our bank on XXXX/XXXX/XXXX due to an invalid account number after receiving and processing our XXXX/XXXX/XXXX payment. 
Fay Servicing mortgage statement of XXXX/XXXX/XXXX shows payment of {$1500.00} was received but in " suspense ''. 
At this point we are not sure how much our payment is or if we are past due so we made a phone payment XXXX/XXXX/XXXX of {$1500.00}, tracking # XXXX. 
XXXX XXXX has suggested we ask for an escrow analysis which will take 30 to 60 days.
I applied for a credit card from Capital One Bank ( USA ) , N.A . and was refused. The XXXX ( XXXX ) reasons they gave to refuse issuing the card were that : 1 ) " based on my credit report from XXXX, too few or no revolving accounts have a balance. '' My letter to them informed them why that is so - " I pay my credit card bills every month in full -- generally on the day the bill arrives in the mail. '' 2 ) " based on your credit report from XXXX, there are too many new revolving accounts. '' My letter to them informed them that " I have no new revolving accounts. The last account I opened was probably at least eight ( 8 ) or nine ( 9 ) months ago. And, in fact I have only XXXX ( XXXX ) revolving accounts that are in active use. '' 3 ) " Based on your application information, income is insufficient for requested credit. '' My letter to them informed them that " my income -- approximately XXXX per year ( I am retired ), plus having over {>= $1,000,000} cash in savings accounts -- is more than sufficient for the requested credit card. Note, too, that my credit score -- XXXX out of XXXX -- is probably higher than the majority of applicants who request, and are granted, a card from your bank. '' In short, it appears that Capital One Bank ( USA ) , N.A . is refusing to issue me a card because I pay my balance in full every month. That 's no reason to refuse to issue a card and should not be allowed. 

My credit rating is about as good as you can get, and always has been. I do n't need a Capital One Bank credit card -- in fact, I recently received in the mail an unsolicited offer from XXXX XXXX to apply for their card which I did, and was approved for immediately without issue. However, I am stunned and angry that Capital One would continue to deny me a credit card after I pointed out to them that their reasons were totally incorrect. 

That card offers several unique benefits and I want that card issued to me.
XXXX XXXX XXXX repeatedly files - and has not removed - a disputed account. The account is still showing on my credit report. They no longer hold the debt and another agency has begun collecting me - and I 've disputed this multiple times and have never received a response from them or from the original creditor. 

Their reporting of a disputed bill - and failure to remove this - is illegal and should be addressed. The report on my credit report is below. 
- Collection Accounts : Accounts seriously past due XXXX XXXX Original Creditor : MEDICAL Account No. : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : Derogatory Responsibility : Individual unkown unkown unkown unkown Remarks :
We recently refinanced our mortgage from an FHA loan to a conventional loan. Our loan was paid in full on XXXX/XXXX/15 and was expecting a refund of some interest paid since the payoff was valid until XXXX/XXXX/15 however my previous lender has told us that we are not entitled to any refund. I was very unhappy to find out that based on when our original loan documents were signed that interest is due on a monthly basis when a payoff is made and there is no per diem given. Apparently this policy is now changed since this process was found to be like a " prepayment penalty '', but I do not qualify under this change. I think this is very unfair to be charged almost a full month of interest when I really do not owe it! That is XXXX dollars that I will not be seeing back and I feel that should be changed. Why should we be penalized based on when our loan originally funded when the rule has now been changed!?!
XXXX XXXXl is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XXXX/XXXX/2016. Ally has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from XXXX.
When paying extra amounts to reduce principal owed to Ally Bank, they instead prepay payments including interest but extend the due date. The net result is high interest owed by not reducing principal -- according to the financial principals of Time Value of Money
The account was under autopay at the end of my credit payments with XXXX XXXX XXXX. I called them numerous of times and they had said many times that it is being disputed on the credit report and it has not been disputed at all. All the payments during 2 years is all current. At the end of of the last payment, the company put late payment when it is current.
On XX/XX/2018, I deposited a money order in the amount of {$1000.00} into my savings account. After checking the balance, I realized the transaction did not show at all. Immediately I contacted the customer service department and I was told a temporary credit for the amount of my deposit will be effective until the issue is resolved. 
The next day I received a phone call from the branch where I made my deposit ( XXXX, New Jersey ). I called back and spoke to a representative who told me my money order was 'found ' on the floor by a customer. They made the necessary research and contacted me to let me know what happened. I advised them that I already reported the issue and a credit was processed to my account. I also confirmed with the representative who claimed they will proceed to contact the department handling my concern, that the money order was verified with them, in order to justify the credit processed on my account. At that point I thought everything was resolved. 
Today, I received a letter dated XX/XX/2018, that states the investigation is completed but they are unable to honor my request? I immediately called the number stated in the letter, where I was transferred to XXXX ( supervisor-team XXXX ). This lady just confirmed the lack of customer service skills and the overdose of attitude that she was unwilling to help me with this issue that was out of my control. 
I need a solution asap.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account # : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : XXXX
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXXXXXX ABILITY RECOVERY SER Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ABILITY RECOVERY SER I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX
On XX/XX/XXXX, I was supposed to write personal check for my city of XXXX property taxes for {$6700.00}. 
I use online banking and no longer have an ordinary check book with exception of bank provided numbered check that was provided for me at the initiation of my account. 
I called Wells Fargo ( my Banking Institution and gave them the check number, XXXX, and told them that I was getting ready to write this check and would it be OK? customer service agent assured me that everything looked ok. I wrote the check and along with two bills ( for each 6 months ) to the city of XXXX Department of Finance. 

On XX/XX/XXXX I received a " Notice of Secured Payment Returned Unpaid '' Wells Fargo denied payment and as result I was forced to pay additional fine of {$330.00} plus {$53.00} fine for a bounced check. 

I had enough money in the bank, and the bank should have honored my check. 

In conversation with bank managers, first they claimed that city deposited the check in excess of two months period which is the banks grace period for their cashing a check. in another words they say if the check is submitted for payment later that two months of the date on the date that was written, then it would be declined. 
In contacting the city I was told that the check was posted on XX/XX/XXXX. Ten days to be exact, but not two months after the check was written. Then they changed their story and told me that it was denied payment because the accounts were not linked therefore they where unable to pay. This statement contradicts directly with what I was assured on the phone prior to writing the check and I thinks it is banks responsibility to cover the extra penalties I incurred. Banking institution ought to be a trusted source for their customers in relation to their finances, but not to create heart aches. 

I appreciate your assistance in resolving this matter.
We were notified by our mortgage company of an outstanding medical bill on our credit report. We are in the process of buying a home. 
I contacted the collection agency and learned a XXXX XXXX ( born XXXX or XXXX ) had an account at XXXX XXXX XXXX XXXX, XXXX, AZ with my husband 's Social Security number and also our home address. The birth dates do not match. We've never been to this place of business. The account number I was given : XXXX. 
Date of Service : XX/XX/XXXX. 
The recording at XXXX XXXX gave a billing dept # XXXX. 
We have filed a dispute with XXXX contesting the collection and provided the same documentation we received from our mortgage company. 
We would appreciate any and all help you can provide. Thank you.
I have Chase Freedom credit card account for over a year set up for AutoPay. A month ago they sent me a letter stating that they were gon na close my account for not receiving minimum payments. I received that letter too late because it was misbelieved to my neighbor 's mailbox, however I called to Chase and questioned why they do n't deduct my minimum payment from my linked checking account as they used to do the entire year. The Chase customer service representative advised that it was a system error and I should of disregarded that letter. And a week ago, on XX/XX/2017 Chase sent me another letter stating that my account was closed. When I called to Chase again they started lying to me that I never questioned them regarding that misdelivered letter which they sent on XX/XX/2017, however another Chase customer service representative was able to locate my call on XX/XX/2017. Now Chase representatives keep exercising their prejudice, misconduct and dishonesty blaming me for not figuring out how to make minimum payment by mailing it even thought they would not receive it anyway on time because I got their letter too late because it was misdelivered to my neighbor 's mailbox. Chase website also did not accept my minimum payment because it was set up for AutoPay for over a year, and my minimum payment was always timely automatically deducted from my linked checking account.
Loss of points " XXXX '' collected by my Arvest credit card purchases. Prior to leaving XXXX in XXXX XXXX or XXXX, XXXX I went to change my home address on my Arvest Bank accounts. At the time I spoke with the Bank Manager I was told that I had accumulated a significant amount of points that I could use as I wanted. Once I got settled in XXXX in XXXX XXXX I went to access my points on my account ( via the XXXXXXXXXXXX ). The online account said I only had XXXX points. When I called the main branch the manager remembered our meeting and that I had a signifcant amount of points, but had no knowledge of what happened to the points after that discussion. I talked to several administrative staff in XXXX over the phone, but none could help me with this matter or even find documentation on the account history. I was told that they did not keep account history. I can not believe that account records are deleted at the end of the year with no record of transactions maintained. I questioned this practice by the Supervisors at Arvest because I have been banking with other Companies for years and they could always account for my spending and interest earned. I think that Arvest is taking advantage of me because I am elderly. I am very concerned as I still have accounts with this bank, If I should die will my family be able to get this money or will it disappear just like the points I earned. I know that I spent at least {$4900.00} to {$5500.00} yearly with the card. Do I have any recourse on getting my points back and have they told me the truth about not being able to look back at my past history on my account?
I am requesting the Hunter Warfield remove the account of XXXXXXXX XXXX XXXX XXXX from my XXXX and XXXX account. Please see the attached report from the Federal Trade Commission.
i had made a payment XXXX and then they wrote me off i was up today with my payments but they still wrote me off and now tis company ADMIN RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY reported me to the credit report now my credit is bad
I purchased a car XXXX XXXX XXXX XXXX in XXXX ny with a lease term of 20 months when the payment book arrived It was for 24 months this was not a problem I completed a full 24 months of payments there was no notification of a balance or anything about 6 months after I completed the loan I went to trade in the vehicle I was notified by the dealership that there was a balance of XXXX which is crazy because My car payments were XXXX per month The dealer explained that he would assume the balance owed and I guess that on my credit report it goes on as a charge off. On my credit report it shows that there was a XXXX balance which has gone up from the XXXX dollars that I never owed in the first place I recieved the care in XX/XX/XXXXI traded the car in, in XXXX of XX/XX/XXXXso there is no way that I ever owed a balance let alone was able to keep this car 3 years after the term.. My credit report shows that I made 70 % of payments which is completely false.
XXXX  consistently fails to list my Army and Airforce Exchange Service Military Star Card credit account onto my XXXX  credit report. XXXX non compliance with the creditor lowers my credit score. I have reapetedly contacted the Army Air Force Exchange Service Military Star card program to complain about this and the Creditor has assured me that they have consistently reported my Army Air Force Exchange Service Military Star card credit account to XXXX. XXXX  has failed to comply with the creditors request. I plea for immediate relief from XXXX illegal unfair pattern and practice.
I was in a loan program that had an interest rate of 5.375 %. On XXXX XXXX, XXXX, XXXX XXXX ( a mortgage originator for XXXX XXXX ) told us that he can switch our loan program to a different program with 4.875 % interest rate. I did n't like the sound of 4.875 %, but I was willing to go for it because I was convinced that he would work hard to get me the best rate. I gave XXXX all of the necessary documents to switch to the loan program of the 4.875 % interest rate and it seemed like he 'll handle the job well. Then, suddenly, on XXXX XXXX, 2017, XXXX had to get XXXX XXXX the next day so XXXX XXXX ( a loan originator for XXXX XXXX ) took over to close the deal. At that time on XX/XX/XXXX, there were only 2 days left for closing. On XX/XX/XXXX, XXXX contacted me that the rate was locked at 5.375 % and the closing date has to be extended to XX/XX/XXXX for the second time. I do n't know why the closing date has to be extended again to XX/XX/XXXX. Between the timeline of XX/XX/XXXX and XX/XX/XXXX, everything seemed fine with the loan process. I was approved for the loan, gave them necessary items that they asked me, and came up with 30 % down payment. I pretty much did whatever I could on my part. What happened between XX/XX/XXXX and XX/XX/XXXX on XXXX XXXX 's part of the loan progress? Why did I get notified of the increased interest rate at the last minute?!?!
To whom it may concern, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Enclosures : Identity Theft Report FCRA Section 605B
I 've disputed several incorrect accounts on my credit report for late/missed payments and accounts not belonging to me, but to someone in my household. They continue to reply with they will not reinvestigate and/or remove this information.
I am going to be hones I due owe my old apartment complex. I have tried to get the collection agency and apartment complex to either mail me or email me a VOD i have proof that i requested for the collection agency to email me a verification of debt and validation of debt i have the emails with the time stamp as proof to back me up. The balance is extremely to high from the paperwork that I was giving showing my outstanding balance if someone could please contact me on my phone at XXXX or via email XXXXXXXXXXXX please I really want to resolve this issue. Thank you.
I refinanced my car loan with navy fedral. I signed all the required docments that was sent to me. my car payment went from XXXX to about XXXX. I was XXXX the military. but then some how my payment went from XXXX to XXXX i did n't notice the change becuse i was XXXX. when i got back i noticed it and i asked why my payment went up. they told me i was surpose to add Navy fedral to my tile which i did. i was told they will change my payment back to what it was before and i would get my retro back pay the three years that i was XXXX. but it never happened.
To Whom It May Concern : I have recently been informed that there is negative information reported by PROFIT SERVICES GROUP in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an inaccurate entry listings of {$770.00} & {$350.00}. I challenge the accuracy, compliance and reportability of these listings. ( Can not collect debts twice ) There are no contracts, no valid claim ... accounts were settled with original creditor ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..