WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed that my mortgage company Ditech reported to the credit bureaus that i was 90 days late, I opened a dispute in all three agencies because I have never been late. Ditech offered me a forbearance plan due to my home was impacted by Irma Hurricane in XX/XX/2017, the forbearance was for 6 months, I kept making payment to escrow and interest during that time. Ditech sent update to the bureaus but when i checked still showing that I " was recently late '' or '' missing payment '' or i '' have a negative impact '' in my report, those remark still affecting my FICO even though they updated the Ditech info under the account. My FICO dropped 70 points and I spent hours trying to have this resolved but they put me on hold for hours and I cant spend more time trying.I just want the information to be 100 % accurate and have my FICO score back up. 
I was denied an important loan last month and i am about to loose a purchase deal.
I totaled my car in XX/XX/XXXX. I purchased GAP insurance along with the XXXX XXXX. I was informed that the GAP insurance would pay off the note in full. A GAP insurance payment was made in the amount of {$4600.00} in XX/XX/XXXX, which left an outstanding balance of {$500.00}. On XX/XX/XXXX, I was notified of the outstanding balance, this was the first notification I received. I paid the account in full upon receipt of the outstanding statement. I was unaware of the outstanding balance until the statement was received. Respectfully, please remove the thirty day lates reported on this account that have been reported to XXXX, XXXX, and XXXX.
just checked my credit score an found an address that is not mine listed as my new address. on both credit reports.
Company repeatedly calling my work line. I am a XXXX, and this ties up a patient emergency line so a patient ca n't get through, is causing me to possibly lose my job and livelihood. Please help me.
My wife passed away on XX/XX/2017. Her sister XXXX Went to the clerk of court in XXXX, NC and got appointted as Power of Attorney over my wife when I XXXX was already Power of Attorney over my wife, XXXX. She set up a account at SECU on XXXX. in XXXX, NC in her and my wife 's name XXXX name. After my wife passed XXXX went to the bank and the bank allowed XXXX to close her account and withdraw all of the money in cash. Her Social Security check were being deposited in the account. The bank allowed her to withdraw the Social Security money in one envelope and the remaining money in another envelope. The Social Security money was kept by XXXX and the other amount was used to pay for XXXX cremation. 
I went to the bank the last part of XX/XX/XXXX and spoke to a bank officer about getting my account closed which only had {$25.00} in it. The refused because I am in bankruptcy and said that I had filed a loan on my bankruptcy. I proceeded to tell them about my wife passing on XX/XX/XXXX. I ask him why the bank closed XXXX account after she had passed away. He said that they were n't informed of her passing until the XX/XX/XXXX. He said that if they had of known of her passing on XX/XX/XXXX they would not have allowed XXXX to get the funds. The Power of Attorney XX/XX/XXXX had Was no longer good after the second XXXX passed, therefore she had no right to the money and now she refuses to return the social security funds to me even after being notified to do so 4 different times since then. The social security office said that I could keep the funds since it was paid before XXXX passed. XXXX has also ben reporting to my wife 's credit card company 's the XXXX has passed which I, XXXX was doing. The bank, SECU has made no effort to retrieve the money they gave XXXX of close the checking account that has my name on it and has only a {$25.00} savings in it. I feel that MrsXXXX obtained the funds from the bank under fraudulent conditions and the bank, SECU assisted with this also. I ask for copy of the paper that XXXX signed while in XXXX in XXXX, NC while she was not mentally competent or physically to sign any papers without assistance from a outside assistance. She was paralyzed from the neck down and could not write.
My coworker received a call from High Point Asset on her personal cell phone. I called the company and spoke with XXXX XXXX and he stated that my loan with the originator was paid off but XXXX people actually lend the funds to me and that i needed to pay the other XXXX loan companies back. I asked him to provide a copy of the contract which states that my loan was with XXXX different companies and to provide me with the original company that I received this payday loan from. The gentleman refused and I instructed him not to contact my employer, coworker, or anyone else looking for me. XXXX then stated that he will continue to call until I pay off the other XXXX companies. He stated that he will not furnish me a copy of my contract. The number they called from is XXXX -- XXXX
I opened an account for a prepaid Visa card with First Progress in XX/XX/XXXX to help build up my credit score and everything was fine made all my payments on time and never had any issues until I decided to close this account out in XX/XX/XXXX for I was no longer using this account in I received my statement for the months of XX/XX/XXXX thru XX/XX/XXXX which showed they had charged me the annual fee of {$39.00} when I called in to close the account in XX/XX/XXXX the representative for First Progress informed me that as long as there were no charges made to my account that I would receive the refund of the {$39.00} annual fee along with the balance of my prepaid Visa Card which totaled {$150.00} but there would be a 60 day waiting period to make sure that there were no charges made to my account finally I received my refund in XX/XX/XXXX but it was on for the amount of {$150.00} and did not include the refund for the annual fee of {$39.00} in which the representative for First Progress indicated I was entitled to receive so I contacted customer service with First Progress and was told I would have to write a letter to the First Progress Correspondence department to request my refund which I did on XX/XX/XXXX, I received a response dated XX/XX/XXXX indicating that I would have to contact customer service to resolve this issue so I contacted customer service and they said that I would have to contact the Progress Correspondence department what they are doing is giving me the run around and violating their own policies for which I have been told XXXX different times by a Customer service representative that I am entitled to the refund of the annual fee of {$39.00} as long as there were no charges mad to my account in which I have the statements to show that no charges were made.
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender is alleging they gave notice of additional documents client has complied and sent full package on XXXX/XXXX/XXXX and supplied any additional docs requested
I have been trying to dispute a chapter XXXX  bankruptcy ID # XXXX  listed o my credit for over a year now. I keep getting notifications from Experian, XXXX and XXXX stating the information has been verified from XXXX XXXX  and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX  about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.
Equifax says you can dispute the accuracy of the info in your credit report online, and I have provided, every which way to Monday, the info they are requesting to do but, keep getting and error message and/or a message that they " are unable to process [ my ] request at this time. '' This has been going on for over a week, over 30 attempts with the same type of response, so you really are not able to get your report and dispute the items online as advertised.
Last month a company by the name of Central Financial Control posted on my credit report that I was sent to Collections by XXXX XXXX XXXX XXXX. Their information also states that the outstanding amount was paid and the matter closed in 2014. I think think this behavior is unfair, as it is dishonest, because not only do I not remember the details of the matter to adequately defend myself, but this report was made two years after resolution and came at a time when I was in the process of purchasing a home. This action has negatively impacted this process as my credit score fell by XXXX points and the financial institution is reluctant to move forward.
I had leased a motorcycle through XXXX XXXX in XXXX, FL. They go through a leasing company located in CA called MOTOLEASE. After I got the motorcycle in XX/XX/XXXX I made the payments of {$240.00} a month they were directly taken out of my bank account for a year and a half. I then realized my balance was not going down. Mind you this is a used motorcycle. I reviewed the contract they wanted me to pay XXXX $ plus another {$7000.00} after the completion of the loan to keep the bike ( XX/XX/XXXX XXXX XXXX  ). A brand new XXXX bike costs this much! I decided to terminate the lease properly. I handed the papers and the bike back over to XXXX XXXX within 10 days of calling them and letting them know I was going to do so. Now after two years they have not picked the bike up, they put on my credit I owe them {$14000.00} and the bike is in involuntary repossession. I have the paper work, email ( from the manager stating I did my part ) and several phone calls made to Motolease that I had attempted to rectify the situation. Now I can not even get a car in my name because it brought my credit score down so low. when i contacted the manager at XXXX XXXX he stated the bike was still in their shop and not surrendered by moto lease ... .this should not be affecting me i did my part right. Please help me.
On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX ( my mortgage servicer at the time ) stating that my loan would be transferred to SLS on XXXX XXXX, 2016 and I would receive information about my new loan number, accounting details and mortgage coupons. On or around XXXX XXXX, 2016 I received a letter from XXXX XXXX XXXX a foreclosing attorney dated XXXX/XXXX/2016 stating that SLS was going to foreclose on my home 19 days after the loan was allegedly transferred to XXXX. Which enlisted an amount of {$800000.00} which was a different payoff from the amount due prior to XXXX XXXX XXXX transfer of loan. I want proof that SLS is the current servicer of my loan. I want proof of accounting from SLS and XXXX. I want to know why I was denied the right to pay my loan, offered a loan mod, deed in lieu, or short sale prior to sending the loan into foreclosure as required by law. Especially when your loan was transferred to a new servicer and sent into foreclosure less then 30 days from the alleged transfer. I want XXXX and SLS to cease debt collection practices until they can prove that SLS is the actual and current servicer, accounting details, a mortgage coupon, current pay off and payment options as required by law.
Below are two messages that were left by this company on XXXX Good morning XXXX my name is XXXX XXXX. I'm with XXXX XXXX XXXX XXXX unfortunately sir serving you final legal notice XXXX as a result of your dock appliance we have conducted an in-depth investigation into your case and finances. It is our intentions to commence and prosecutor pro tractor lawsuit in the courts seeking compensation and punitive damages awarded both by Yes XXXX XXXX this is XXXX XXXX I just got finished speaking with you XXXX XXXX please give me a contact call so I go over a deposition with you real fast to see what you would like to do it if if that's something you don't want to do please have your attorney give me a call as soon as possible. If you don't mind. Good day sir.
Received debt collection notice from MCarty, Burgess & Wolff for a debt that is not owed. I confirmed with XXXX that my account was paid off and was never owed a debt. This is a fake collection notice.
To Whom It May Concern : On XX/XX/XXXX I signed up for the XXXX  XXXX Mileage Card after speaking with an XXXX XXXX representative. The representative told me about the credit card and the rewards, but failed to mention there were two different versions of the credit card ( " Signature '' and " Platinum ). The rewards I was told about, and sold on, were for the " Signature '' card, where as the " Platinum '' card has only a fraction of the rewards. After she informed me only about the " Signature '' rewards, I wanted to sign up, so she walked me through the process of applying for the card. 

Upon approval, I was told I would be receiving the " Platinum '' card, at which time I was unaware of the difference, or the existence of the " Signature '' card. Today, XX/XX/XXXX I finally learned about the difference between the cards after speaking with another XXXX XXXX representative. Had I been told upfront about both cards and the process for approving each of the cards, I would have either not applied, or if I had applied and gotten the same approval for only the " Platinum '' card, I would have called the credit card reconsideration line to speak with someone about getting approved for the " Signature '' card.
XXXX ( XXXX # XXXX  ) in XXXX AZ. Processed a debit transaction of XXXX on XX/XX/XXXX, I did not authorize this transaction, when I became aware of it I called Bank of America and told them I'm disputing the charge. After multiple calls and many days of waiting for the money to be returned to my account ( BOA initially told me 2 days at most ) I sternly requested they return my money while they investigate. Today XX/XX/XXXX Without correspondence they reversed the intial credit. I called them wanting to know why and they said XXXX is not cooperating other than explaining that a pin number was used during the transaction, ( leading them to assume I indeed made the purchase ) XXXX had a case regarding this # XXXX, they will not return my calls and the number I call to speak to them had me on hold for 48 minutes without ever actually connecting to a representative. Bank of America has placated the responsibility on XXXX and They can not be contacted through the numbers listed on their own website. I've never once visited that store location but both vendor and bank say I have and since decided- to steal from me instead of actually investigating the case of fraud.
Under Personal Information on my credit report my sons ( XXXX XXXX XXXX information XXXX Address : XXXX XXXX XXXX XXXX XXXX appears on my Equifax report in error and I 'd like to have it removed asap. Thank You, XXXX XXXX.!!!!
XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late
My elderly mother received a call from XXXX from a man named XXXX XXXX saying that I was going to be arrested if I did not return the call and the case # was XXXX. I called and reached XXXX XXXX. They said that XXXX XXXX was going to subpoena me regarding that docket number due to an unpaid payday loan XX/XX/XXXX with XXXX XXXX. I told them that I paid all debts regarding XXXX and that I knew this was an unlawful fraudulent call. XX/XX/XXXX another company claimed the same thing so I verified with XXXX that they were n't working with XXXX. XXXX XXXX told me that the debt collection company claiming this that they were working on behalf of was called National Credit Adjustors and to call them at XXXX.
I have not received ANY communication in writing from this company and have NO idea what they continue to call me for. They call my home ( fax line ) repeatedly at all hours of the day and evening, and I sent them a letter in writing yesterday asking them to not call again ( the form letter for fair debt collections act ), and they have called twice since that was delivered.
AMERICAN EXPRESS BLUEBIRD CARD I MADE A PURCHASE ON FROM XXXX XXXX WEBSITE I DECIDED THAT THEY DIDNT HAVE MY SHOE SIZE IN THE COLOR/STYLE THAT I WANTED, SO I IMMEDIATLEY REQUESTED A REFUND AND XXXX HAVE RETURNED MY MONEY - {$270.00} ON THE XX/XX/XXXX SUCESSFULLY. AMERICAN EXPRESS BLUEBIRD IS REFUSING TO GIVE ME MY MONEY - {$270.00} THE SPRVSR IN ESCALATIONS W/AMERICAN EXPRESS BLUEBIRD XXXX VERIFIED THAT THE PAYMENT WAS RECVD FROM XXXX   SUCESSFULLY ON XX/XX/2018. I HAVE CALLED, CALLED, AND CALLED NUMEROUS TIMES ONLY TO HEAR THAT MY REFUND IS UNDER REVIEW-NOT REQUESTED BY ME TO REVIEW AND WASNT DISPUTED JUST A SIMPLE RETURN AND BLUEBIRD HAS ALREADY VERIFIED WITH ME THAT YES THEY HAVE MY REFUND FROM XXXX. THEY PLACED A 7DAY REVIEW ON MY FUNDS AND I HAVE NO WAY TO GET MY MONEY BACK. IT IS NOW THE XX/XX/XXXX AND I STILL DONT HAVE MY MONEY. AMERICAN EXPRESS BLUEBIRD IS REFUSING TO RELEASE.
My niece needed a student loan to complete her education at XXXX College in XXXX, New York. She asked me, her uncle, if I would agree to guaranty the loan because the lender would not provide the loan without the guaranty. She was told by the lender at the time the loan was committed that if she made regular timely payments after she graduated, the lender would release the guaranty. On XXXX XXXX, 2015, after paying her student loan payments on time for over two years, she submitted an application to American Education Services ( " AES '' ), the loan servicer, on my behalf requesting that I be released as a guarantor of her student loans. She never received a written response to her request. However, I called and learned over the telephone from AES that her request was denied because of her credit score. On XXXX XXXX, 2015, she requested that AES reconsider its decision and release me as guarantor. Her credit score is excellent and there is no reason why I should not be released. As proof of her credit worthiness, she sent a copy of her personal credit report to support her request for reconsideration. Once again, she received no reply to her request. I again called AES and was told that, while my niece is employed full time as a teacher, has made every payment on time and has a good credit score, she has an auto loan and a mortgage. AES said that the amount of debt required AES to decline the request for me to be released as guarantor. It appears that the lender 's promise to release her uncle 's guaranty if she made timely payments is illusory. They never intended to keep the promise. The fact that they never respond to any requests is indicative of their lack of commitment to perform as they promised. Also, the ever changing excuses for refusing to release the guaranty is further proof that the lender is not performing as promised. My niece asked AES if her parents could be substituted as guarantors of the loans. AES refused to consider this and said the only choice my niece has to release me as guarantor is to pay off the loans.
Dear Sir/Madam, Our flood insurance policy was re-written by the insurance company due to late payment. As a result, the insurance premium has increased. Our mortgage company ( Chase ) is  responsible for paying our insurance premiums on time. However, the payment was received late causing the policy to lapse. 

Our insurance agent claimed that the insurance renewal notice was sent to Chase ( Our mortgage company ) with the due date of XX/XX/2018. The payment was not received until XX/XX/2018, which was 2 days past the grace period. 

Chase, the mortgage company, claimed that the insurance payment was issued on XX/XX/2018. However, it was returned on XX/XX/2018. They called the insurance company and was told the payment was sent back in error. Chase then issued another payment on XX/XX/2018. However, it's two days past the grace period and the insurance company considered the policy had lapsed and re-wrote the policy. 

It seems that both Chase and the insurance company are not willing to take responsibility for the mistake and are pointing fingers at each other. 

As a consumer, we just know that it's not our mistake that this happened. We are the victim of the bureaucracy between two companies. 

Please help!
Today the XX/XX/XXXX, I contacted Equifax credit bureau due to a dispute they said I owed. During the phone call I was told that they do not require supporting documentation proving that the debt was in fact owed. I told the Equifax representative that I contacted the debt collector, XXXX XXXX XXXX. XXXX mailed supporting documentation without my signature. XXXX also told me that they received my SSN from XXXX. I called XXXX today to pay the alleged debt and the XXXX rep let me know that they did not have my SSN, they had to get it from the doctor I visited. There was no due diligence from Equifax to see any supporting documents. This put me in an uncomfortable situation and I was force to pay a debt that didnt belong to me. The attachment will show the information provided to me by XXXX.
There was a deposit made online for XXXX XXXX dollars posted on XXXX/XXXX/2015.. That day I made transactions and according to the ATM receipts my available balance was positive. According to the information online and my statement it reflects that my account is overdrawn. Also, a document that states I authorized the purchase of paper checks when I did not. The banker who opened the account for me offered a promotion that he spoke about so quickly not giving me enough time to read the agreement and, ( according to NY State law, ) orally made an agreement with me stating that if I made XXXX online transactions I would receive the promotion of XXXX XXXX dollars. After going to the branch speaking to the manager he said that the XXXX XXXX dollars was, " like a loan, '' ( which I did not request or authorize, ) and that all I had to do was pay the bank what was overdrawn in my account. He also said that there was nothing he could do about the promotion.
Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.