WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX I returned from a hike with XXXX XXXX. I went to my primary care doctor to get examined. He was unable to realize any immediate problem but wanted me to go to a XXXX  and ultimately the hospital for additional examinations. During an XXXX, it was discovered that I needed and immediate XXXX XXXX and on XX/XX/XXXX I had the XXXX XXXX XXXX. 
I fell behind on my mortgage payments as I could not work and was able to secure a loan modification from Nationstar Mortgage ( now Mr. Cooper ) in early XXXX. My recovery took much longer than expected and I fell behind on my mortgage payments again but was able to borrow enough money to make the payments up ( reinstatement of the loan, {$45000.00} ) in XXXX. 
Still unable to work I fell behind again and have filed numerous loan modifications over the last 18 months all with the same result ; they will not modify my loan as the payment will go up. I have continually stated " I will accept a higher payment as I can now afford it as I am working full time now. '' Mr. Cooper always says NO! I have secured the help of a HUD Counselor to see if he can get Mr. Cooper to agree to the higher payment ( just a few dollars more a month ) or allow me to make the payments I am behind by paying the mortgage plus 50 % ( I am {$23000.00} behind ) and of course they say NO! 
I have a loan modification in their hands now as directed by the HUD counselor and they served me with a Notice of Default on XX/XX/XXXX while in loan modification and while negotiating with the HUD counselor on my behalf. It seems their only interest and motivation is in getting my $ XXXX cash equity in my home. 
The actions by Mr. Cooper are very unfair as you have a person that wants to stay in his home of 15 years and wants to pay a higher modified mortgage payment or wants to pay the mortgage payment plus 50 % to make up the past payments but they say NO! It makes no sense! Please help me!
On XXXX XXXX, 2016 I lost my mobile home in XXXX XXXX Louisiana due to a XXXX flood. My insurance company declared it a total loss and I received a check for policy limits several days later payable to my mortgage company and then myself. The home was unhabitable so I contacted Wells Fargo Home Mortgage to find out how to use the funds to pay off the balance. 
My wife and I have XXXX small children, XXXX of which are in school. We found an apartment near the kids school and would not be able to continue to make mortgage payments and meet the rent at the apartment. 
Wells Fargo gave my wife and address to send the payment to and when I called to double check they directed me to a different address. The flooding here was widespread so Wells Fargo had a temporary office set up in a local church parking lot so I stopped in. At that pointime they gave me a third adress to send the payment to but advised me to wait for a " pay-off packet '' to arrive and send the payment with that information. A week later the packet shows up so I XXXX the check overnite to the instructed address. 
Days go by and I have n't heard anything so I follow up. First the representative denies receiving the check. When I gave them the tracking number they then inform me I sent the check to the wrong department and it was returned to sender. After two weeks I called my insurance company and requested a stop payment on the original check and to be re-issued another check. That 's a 10 day process. The check was mailed XXXX/XXXX/16, I received it XXXX/XXXX/16. I 'm afraid to send it anywhere. I do n't trust Wells Fargo and believe I was intentionally mislead by them to drag out the interest payments on my loan. I also believe I should not be responsible for the interest accrued after they initially received my check ( which almost a month later, has yet to show up ).
These accountst should not be on my credit report. Equifax has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with XXXX XXXX. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
Aldous and Associates, a law firm in XXXX, Utah contacted me regarding a missed payment to XXXX XXXX. When I talked to them initially, I was n't aware of the missed payment so I told them that I wanted to verify this myself with my local Gym. I was told that I should n't contact XXXX and that if I did n't pay that day, I would owe even more the next time they called. I went to the Gym and paid the missed payment. The Gym even acknowledged that they should have contacted me about the missed payment but had not done so. The next day I got another call which I answered and was treated horribly by a supervisor named XXXX. He threatened me, told me to shut up, yelled at me and was generally rude. I tried to explain to him that I had paid the bill directly with Golds. He hung up on me XXXX times as I tried to explain to him the situation. He told me that he instructed me not to do that and I better pay right away. My husband called to object to the rude phone calls and asked them to stop calling. I continue to get daily phone calls from these people even though I have paid the bill.
On  XX/XX/XXXX    XXXX   XXXX   XXXX   gave   XXXX   XXXX   XXXX   XXXX   the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under wage earner from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in  XXXX  when my loan was transferred to   XXXX   XXXX   XXXX  . I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX   & my payments were payroll deducted. My employer ein # is   XXXX  . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in  XXXX  and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  . 1098-mortgage interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.
called my job stating I would be served with notice for a debt, I requested to stop calls to my job and something in writing and the caller could not provide me anything. states will sent notice when debt is paid in full
To Whom it may concern : Consumer Collection Management lists on my credit report me owing to XXXX XXXX. I own XXXX XXXX nothing. When I asked for proof of debt this winter they sent me nothing showing that I owed XXXX XXXX anything. Since the information they are reporting is false I would like it removed from my credit report asap. I have included my request for debt validation, what they submitted and my response pointing out that they did not submit anything showing that I owed XXXX XXXX XXXX,
I was never given a chance to dispute the debt. I did not know about this debt since I turned the bill into the insurance company and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
Nemo 's collection XXXX has a debt listed on my credit report that is not mine. I never signed a contract or entered into any contract with the people who owe this debt. I have disputed this with XXXX XXXX and Nemo 's to no avail. I have been unable to get credit or a loan due to this horrible ding on my credit report. 

I have attached the letter I sent to Nemo 's requesting all copies of said contract, etc. They did not send anything but a statement requesting payment. 
Further exploring by a family law official exposed the fact that this debt was discharged in a bankruptcy and is in the public records. I have also included the letter with the case number, as well as other supporting documentation.
In XXXX, I checked my credit report as I often do on XXXX XXXX app. Transunion had removed all of my inquiries and I was very happy to see this. What I was not so happy about was the reinsertion of those inquiries days later after I checked it again. There was no notice on Transunion 's behalf. I have since then, tried to call a handful of times to get these inquiries re-deleted since they were reinserted without my knowledge. I have encountered some of the rudest people, one of whom actually told me you were not affected and there is nothing more I can do. When I asked to speak to his supervisor, he disconnected the call. I am very disheartened by the actions of the employees of Transunion in the multiple times I have reached out to rectify this situation.
I am XXXX XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.
Caliber Mortgage constantly mismanages my loan. I received an increase in my monthly mortgage amount with no prior notice. I received a letter in the mail today telling me that my insurance ran out and since I have not secured proper insurance they have secured insurance on my behalf and are charging it to me. I purchased a townhouse where the insurance is covered by the HOA payment. I am current with my HOA payments and therefore have proper coverage for my townhome. Caliber seems to have a difficult time managing anything about this loan. During the lending process they were supposed to collect enough within the escrow to pay both HOA accounts on this property. Upon closing and because they kept changing the closing documents due to mathematical errors, they took out the escrow for the XXXX HOA 's and only took out enough for the taxes. They did not notify me of this and I found out two months after the HOA 's were not paid as they were supposed to be. I also found out that instead of paying at closing both HOA 's Caliber only paid XXXX until I threw a fit at their mismanagement of the account at which time they paid the missing HOA dues. The insurance situation is just another where Caliber obviously can not manage an account properly and I want my loan sold to another mortgage company that can manage it properly. 

I expect and demand that Caliber Mortgage refund the increase in monthly payment and all charges they assessed to me based on their false accounting of lack of insurance. They had all documents proving that the HOA covered the insurance in a more than sufficient manner to the point that at closing I did not have to show them my own policy for personal possessions. Because the closing did not require this coverage and the HOA continues to cover me ; this mistake needs to be reversed and cleared up completely. Caliber just needs to sell my loan and get me XXXX away from them!
Hello Dear CFPB I am writing to ask your assistance to reopen my oldest account with Citi bank which they closed due to inactivity. I was never notified or informed anyway shape and form that my account will be closed if i do not use it otherwise i won't let this account to be closed. Its my oldest account and by closing this account my credit had very significant damage because it wiped out my credit history. Please Dear CFPB assist me to reopen this account which is very important for me and my credit. Thank you
I am a young girl barely XXXX I have NEVER even used my credit before. This is a formal request a block of listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) 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 ) days business days after the date of receipt by such agency of :
Since living in XXXX, I have had numerous issues with the PNC at XXXX in XXXX. The latest is that they tacked on an {$85.00} fee as this is the 'second year ' that I have had this credit card and they charge every year except the first, according to PNC .

However, I had been with PNC in XXXX for 6 or more years and had had the same card all that time, with no fees tacked on at all. I had an excellent relationship with the PNC in XXXX, XXXX, and had no problems with them. 
I believe that they are fleecing me over here - my friends who are with other banks think that maybe PNC over here has financial problems, or perhaps that they are taking advantage of me because they know about my funds at another financial institution. 
You have not yet helped me with this bank, and I believe that they are taking advantage of me. Also, I am XXXX years old, and should be protected by someone.
During Chapter XXXX, Wells Fargo reporting XXXX missing payments. Mortgage was never in arrears going into filing, XXXX payments made on time each month, mortgage was never behind. During this time period we sought a loan modification at which time Wells Fargo held payments in suspense account. They will not correct the credit reporting.
I received a letter dated XX/XX/2019 stating that I am being given a two new account numbers, one morgage and the other insurance, which is not called insurance but voluntary hazard insurance. What the heck is that? Insurance in not voluntary. At the bottom of the page it states " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. IT IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' I have no idea if this letter is ligitimate or not. I asked for a number of a parent company to call to verify and was told to get in touch with CFPB or an attorney. The customer service person seemed uncerned that I would be concerned over an out of the blue notice that my account numbers are being changed, or that a threat at the bottom of the page stating the letter is an attemp to collect a debt since I have a very high credit rating. My problem is simple. Is the letter on the up and up?. Especially because of foreign hackers being an issue in USA, and when I asked what country was I speaking to, I was told the XXXX. Thank you for validating this one way or the other.
My wife always pays the bills online and at least XXXX month inadvance. lets just start in XX/XX/XXXX. This was already paid onXX/XX/XXXX, then XXXX was paid on XX/XX/XXXX, then XXXX waspaid on XX/XX/XXXX, Then XXXX was paid on XX/XX/XXXX, then XX/XX/XXXXwas paid on XX/XX/XXXX, and finally XXXX was paid XX/XX/XXXX. Then XXXXI received a bill with a due date of XXXX XXXX that included a late feefee for XX/XX/XXXX of {$25.00}. As you can see, this charge should'NEVER ' have been applied because my wife was not just XXXX ahead of payments but several months. I dounderstand that sometimes computer billing systems maynot understand payments made in advance so I calledcustomer service and asked to speak to a supervisor andwas handled by XXXX. She saw the advanced paymentsyet she said she would not remove the late fee. This fee isactually a fee for paying early!! ABSURD!!! I want this XXXX not " waived as a courtesy '' as smugly as XXXX stated, but I want it removed because a fee for early paymentshould never happen. XXXX calls it a late fee, I call it beingpunished for paying early. XXXX also claims that a '' courtesy '' waiver '' was already issued on the very XXXXpayment. This should never have happened either. XXXX Jewelers said we would be billed in XXXX days butinstead we were billed immediately. When my wife noticedshe may be late if she paid online because it was alreadythe day of the due date, she went directly to XXXX XXXX and paipaid it with assurance that your firm would be called and the billbill be posted as paid on time. My wife listened XXXX on thephone to make sure things were taken care of. XXXX is nowstating that this constituted a " waiver '' for a late payment. 
Once again this was paid on time, albeit the same day due, but every payment since then was paid in advance!! At notime was our account EVER late!!! I want this {$25.00} fee takenoff of my bill, not as a courtesy but because it does n't belongthere in the XXXX place and neither was the XXXX incident. I alsowant XXXX taken aside and retrained in handling customers. 
She ended the call with a 'smug ' " Is there anything ELSE Ican help you with ''? XXXX did n't help me at all. She alsowould n't give me her bosses name or number in order for meto climb up the chain of command. XXXX stated that shehad the last word. Does XXXX run your firm or does sheanswer to someone else? If she does answer to someoneelse which I know she does, she needs to be made aware ofthis. Customers are owed satisfaction not insults!! Rescindthis late fee immediately or I will take further legal action. 
A very dissatisfied customer!!!
I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved.
Hello, This collection company is called XXXX XXXX XXXX XXXX and they are located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

They have shown up on my XXXX credit report. I attempted to contact this company via certified mail asking them to verify this " medical bill '' and show me proof that I owe them, I have also included my updated mailing address to ensure they have the right address to send me back any documents. They failed to respond to me. I contacted XXXX and disputed this collection account several times and everytime they said they couldn't take it off because of the collection agency. I contacted the doctor 's office that is listed on the account and they mailed me a document showing " XXXX   balance '' and that I don't owe anything. I disputed the item again with XXXX and attached the document showing I have a XXXX balance with the doctors office and I also included the letter and certified mail receipt showing I sent this to the collection agency. XXXX failed to take this account off my account and instead of listening to me they transferred to me to the collection agency who were very rude and ended up hanging up on me despite admitting they did get the letters from me. This collection agency is violating the law by putting something negative on my credit report despite proof that I owe nothing and even the amount they out there is different that the amount that was paid to the doctor 's office. 

This is the only negative thing on my credit reports and it is ruining my life. Please help
I took out a loan for about {$70000.00} to finance XXXX pieces of XXXX for my XXXX in XX/XX/XXXX with a 7-month grace period. The funds were not released until XX/XX/XXXX. The XXXX failed in XX/XX/XXXX, and I contacted Wells Fargo Equipment Finance to make an offer to settle with no response. They contacted me about a week later to find out how to pick up the equipment, and no follow up calls were made. 
In XX/XX/XXXX, WFEF contacted me via email to tell me I owed them {$100000.00}, and that I was severely delinquent in the loan ( still under the grace period ) and repeatedly told me I made " XXXX '' payments ( the first payment could n't possibly be due until XX/XX/XXXX, and possibly as late as XX/XX/XXXX ). They calculated the {$100000.00} based on all the payments I would have made over the 5 1/2 years of the loan, including the interest for 5 1/2 years. 
1. They intentionally misrepresented the amount currently due in order to intimidate me and possibly try to push a settlement. 
2. They intentionally misrepresented the delinquency status of my account ( not delinquent at all, referred to as " severely past due '' ). 
3. Not sure if this is just semantics, but they referred to the loan as a lease. It was not a lease, it was a purchase agreement they financed.
On XX/XX/XXXX16 I shopped at an XXXX store wherein I had a large purchase. During the checkout process, the cashier said that if I applied for a store credit card, I would save 15 % off my transaction and I really should do it based on how much money I was spending. I said " No thank you, my husband will kill me if I opened a credit card, I will pass. '' The cashier said that I had the option to fill out the application but I do not have to submit it. This obviously sounded too good to be true but she ensured that she would n't be submitting any app since I declined and I would be using my card for the purchase. I took it as an employee thing where they just need to show filled out applications to show that they were offering it to customers. At the end of my transaction I again confirmed that I was not submitting any application and I was assured that I was n't. I swiped my card, signed for the transaction as I was told and went on my way. I did not realized that I was lied to about this until later receiving a card in the mail. I immediately contacted the credit card company on XX/XX/XXXX16 and explained what happened. I was told by the representative that they would close the card AND DELETE THE ACCOUNT OFF MY CREDIT REPORT. I explained that I did need to return some items ; therefore, the rep instructed me to return them on the account and then contact them back to proceed with closing the account and removing it from my report. I went to the store the same day and made the return as I was instructed. A few days later I contacted the company back to proceed. This is when the associates became rude and combative stating that I agreed to terms and signed for them. This is untrue as I was told I was signing for my purchase on my card and I was n't submitting anything! So essentially, it 's not safe for me to shop at old navy unless I use cash only because I would have no way of knowing what I am signing for because the reps selling the credit card lie. I escalated my concerns with the credit card company and they advised they would investigate this but it would take 60 days. I just received a letter in the mail stating the card will remain on my credit file as I agreed to open it. This is again false. I am confident in my rights as a consumer and very familiar with the laws. I know that per FCRA a financial institution is not required to report an account, but if they do then they must report accurately. Therefore, there is no reason why they will not remove the account that I never even authorized to be opened in the first place. Especially after I was told by their company that they would delete it originally. Why is this call not being reviewed and why are they not holding themselves accountable?