WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Judgement appearing on my credit report for Experian and XXXX. The Judgement was a court battle in which I had to pay my ex, attorney fees. This is not against me from a billing collector. Payments were not late and I paid the full amount as soon as I received the order. The Judgement was satisfied asap and was for attorney fees. I have no idea why this " Judgement '' from a child support battle would appear on my credit report or why my custody payments appear on my credit report. 
Thank you for any help.
Paypal stole {$1100.00} from my bank account. This was Financial Aid money that was to be used for my school expenses. I have asked the company numerous times to refund the money that they embezzled from me they have refused. I have also contacted the XXXX XXXX XXXX. Paypal has gone to a collections agency and had no right to do so. The company refuses to dispute the money or to issue a refund for the money they stole. They told the XXXX XXXX XXXX that it was my fault and that I did the transfer.
I received notice around the XXXX of XXXX that HomeBridge Financial Services had purchased my mortgage and would be servicing my loan. In this notification it stated that I would need to start sending my mortgage payment to them starting XXXX XXXX, 2015. In the letter it stated that I would not be able to establish an new user account or access my loan information until XXXX XXXX, 2015. On Monday XXXX XXXX I tried calling the number listed on the notice to make a phone payment, but the automated phone system would not recognize my social or loan number i provided and I got stuck in a loop. After this I decided to wait until the XXXX and try to pay online. This morning I tried setting up a new user account on HomeBridge 's website and it keeps telling me that they do n't recognize my information. I then tried again to call and after XXXX minutes of trying to get through the automated system, which also did n't recognize my information, I finally got through to hold music. I then waited on hold for XXXX minutes to get a hold of a person so that I could make my payment. I have wasted a considerable amount of time trying to resolve this issue.
I called Transunion, XXXX and XXXX several times to update my personal information. The representative refused to move address and names from my report that does not match my identification. I explained to them I did not live at the addressed listed on my report nor do I go by any of the other names reporting. I only wanted the name and address I gave them which is my legal name and address. I received an updated report only to find those names and addresses still listed.
Suntrust Mortgage Inc. has been continuously harassing me while mishandling my mortgage/escrow funds. I received an Escrow Analysis of my mortgage ( which they service ) back in XX/XX/XXXX. They claimed that payment will be increased from {$2800.00} to {$3100.00} due to escrow shortages that their representatives could not explain. After numerous calls to and from their collections department claiming I owe XXXX of dollars to them, these are some of the reasons they gave ( All conversations were recorded, or at least they said they were ) :1 ) My interest rate has gone up ... WRONG, I have a 15 year fixed rate. 
2 ) We have not received last month 's payment ... WRONG, I pay automatically & electronically every month and I could see that they did indeed receive payment. 
3 ) They said that my property Insurance & Taxes increased ... WRONG AGAIN, I personally verified that neither one had changed. 
4 ) They said because I pay on the XXXX, prior to the XXXX of the month due date, that it was being applied to principle because it was being received early ... WRONG, This is the way I have been paying since day one of this loan and no such problem ever existed. 

BOTTOM LINE IS, no one there was competent enough to explain to me why I owed them thousands of dollars when I never missed a payment. I finally managed to find a rep that at least made some sense of it all. She said, " that because my payment went up by {$320.00} per month that my old payment amount was being applied directly to the principle or held in limbo in XXXX of there own bank accounts. '' She, too, could not explain why the increase in payment. 
So I made 2 months of the increased payments ( {$320.00} per month ) while I researched to get some answers. I have concluded ( without any help from any Suntrust Reps ) that the reason for the increase in Escrow are their own XX/XX/XXXX PROJECTIONS of my Insurance & Tax increases, neither of which can be verified. In fact, I personally went down to the Tax Office and they told me that my XX/XX/XXXX Taxes will be exactly the same amount ... actually a few XXXX less due to Homestead Exemption which I just applied for. I have tried to explain all of this to Suntrust Reps. but they just do n't want to hear any of that. All they see is that I owe Thousands of dollars and I receive many calls per day trying to collect it. 

I recently received a whole packet explaining how I am over 30 days past due and owe over {$9000.00} counting my XXXX payment ( which, of course, has been paid as usual ). They are offering me help and even to REFINANCE me! Can you believe that? I am sure the next thing I 'll be receiving is an intent to seize my proper notice. 

PLEASE HELP, I have researched this company and realize that they have more complaints against them than they could possibly handle. PLEASE HELPCFPB, Federal Partners, and State Attorneys General File Order Requiring SunTrust to Provide {$540.00} XXXX in Relief to Homeowners for Servicing Wrongs. 

PLEASE STOP THEM AND WHAT ABOUT MY CREDIT REPORT???
XXXX  is not transferring my money to my new account. It has been over a month and they are not responding. I can only assume they are taking my money.
PNC Mortgage Servicer, hired XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ), including but not limited to XXXX attorneys, any to act, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and notary XXXX XXXX XXXX, to stole my home in XX/XX/XXXX I had filed complaints with many agencies, including CFPB, FTC, Texas Attorney General, the trustee for my property, XXXX XXXX XXXX, the law firm, XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ) that PNC hired to steal my home. My image was slandered in the public with a notice of acceleration posted XX/XX/XXXX by attorneys for XXXX, stating they were substitute trustee ; yet it was 7 days later, XX/XX/XXXX, that XXXX XXXX by self appointment, recorded an APPOINTMENT OF SUBSTITUTE TRUSTEE document into the public record. XXXX XXXX is the Trustee on the Deed of Trust. There is no beneficiary. 

XXXX can not perform an act they have no authority to perform. This was the beginning of my nightmare into theft of property by court process and with people pretending to hold a public office but have no oath of office to the public. 

I and my youth were dispossessed, we fled in fear, XX/XX/XXXX, because Judge XXXX XXXX, no public servant of mine, in XXXX County, completed a Writ of Possession and in that writ were instructions for a man with a XXXX to have XXXX XXXX permission to " XXXX and my possessions '' to remove us from the property. 
Where XXXX XXXX had the authority to give a man permission to harm XXXX and my property, I do not know and never consented to her purported authority to steal from me using the business of her court room. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I dispute the PNC Mortgage entry on my credit report of a debt for {$130000.00}. 
When the home was stolen, the claim in the notice of acceleration was {$120000.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PNC Mortgage responds the account closed paid in full, never late, date of status is XX/XX/2007 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have the note marked Paid in Full, that I received from National City XXXX ; I was forced to leave it to leave my property due to the deceptive practices of PNC employees and the employees of law firm, XXXX, including the fraud foreclosure action, all unconscionable actions of PNC employees and the employees of law firm XXXX 
The law firm employees are recorded with the public in the XXXX County court, the law firm employees, have the names of the PNC employees that initiated the theft of property by constructive fraud.
My complaint is with Discover Card. I have been a card holder with them for over 4 years and have never missed a payment, I always pay on the due date and receive email reminders regarding the account. I simply made an oversight on my bill due XXXX XXXX, 2015. I had gone on their website, as normal on the due date and inadvertently, I did not hit " submit '' after entering my payment information. I realized I had made an error the following day and promptly scheduled the payment one day past the due date. I asked them via chat and an email to wave the late fee due to my impeccable payment history. They declined both the requests and advised me of email alerts again which I already have set on the account. I feel they are being unfair because I was an authorized user on my spouse 's discover credit card account that fell behind and he recently had to file bankruptcy due to an under performing business that he shared ownership in. He is listed on my account as an authorized user as well. I am also a former employee of discover and was given a very low fixed interest rate on the account. I feel this is also a factor as about a year ago they lowered my credit line sighting too many balances close to the credit line which was not the case as most of my other creditors raised my limits around the same time without me even requesting increases. The decrease on the credit line also mysteriously got lowered at the same time my spouse 's discover account had fallen a couple payments behind. So I feel that they are using his history and his bankruptcy to treat me unfairly as well. I 'm quite sure they have treated other former employees the same and are using very deceptive practices. They also do n't follow FDCPA regulations because when my spouse 's discover account was in collections they would at times leave more than XXXX message per day on the same phone number which is not in compliance with FDCPA regulations. All I want is a {$25.00} adjustment from a company who makes XXXX of dollars. It is not the monetary value of the late fee that is discerning rather the blatant disregard for a customer of 4 years who has never been late previously. In essence I feel that because of the card act and my low fixed interest rate and their inability to raise the interest rate without just cause, that they are bullying me into voluntarily closing the account as they are not able to make a significant profit off of my credit card account as the operations cost are somewhat equal to the revenue they generate from my account. With ten years experience working in the credit card industry for several of the world 's largest credit card issuers the general rule of thumb is that customers are eligible for a courtesy late fee waver once every 12 months for an open account in good standing. They failed to adhere to the rule of thumb in this case. With these unfair practices I find it hard to see how Discover has a reputation for delivering superior customer service with ratings just behind XXXX XXXX. I do n't intend to sit back and let discover bully me as a consumer.
XXXX XXXX has the most incompetent customer service I have ever experienced with a financial services institution. I have made in excess of 15 phone calls, sent 3 emails, and used their live chat twice over the course of two weeks trying to get a straightforward answer regarding the process to get an insurance claim check to which they are a co-payee endorsed and returned to me. I have yet to receive any useful response. I am ashamed to be a customer of theirs and will quickly be looking to refinance away from them. They clearly employ unqualified and untrained customer service people in this department that are incapable of performing basic servicing requests.
Sunrise has constantly contacted me directly about an old XXXX Cell Phone debt. Today, XX/XX/2017, a family member informed me that someone called him about a debt I owe. I was n't sure who could be calling him about my debt. I asked for the number, and when I called the number from my phone, the voice recognition unit ( vru ), asked that I enter the number that was called from their business. I entered his number, and a Representative asked me to confirm who I was. 

I have n't authorized this company, or any other company to contact any of my family members regarding any debts I owe. 

Please help. Thank you
My wife and I both have had  XXXX  hard inquiries from Chase Bank on our credit report as a result of someone trying to fraudulently acquire a n Amazon Visa Credit C ard. Our credit reports show the these applications were submitted from an address we lived at almost 5 years ago.   The  XXXX  inquiries were on the following dates ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase and they assured me the inquiries would be removed in 6-8 weeks. I am reporti ng this for the simple fact that this is happening to many others across the United States. This needs to be looked into immediately.
XXXX   XXXX  has gotten  XXXX   XXXX   XXXX  for {$930.00}. I spoke to  XXXX   XXXX  where it was not correct due to the fact I did n't not have  XXXX   XXXX   XXXX   back in  XXXX . I ha d 4 different dentists who made up 4 different things they were gon na perform. I was talked to by all 4. I meet a surgeon also. She wanted to include implants. I meet 3 others dentist. I could not afford implants so I wanted something different I could afford. I spoke to the office manager who was at the off ice in  XXXX , Al at the time. She said it would be handled. I then went back the first  of the year  XXXX , the new office  manager  told me she was sorry she would take care of this because it is incorrect.   I have gotten a new letter in  XXXX    XXXX   saying I owe this amount. Why have I gotten a letter in the mail again about this?
Hurricane maria passed over puerto rico And i need to get water, food, there 's no energy, economy was affected, etc ... 

I call MRS BPO LLC to request moratorium payments but they refuse it I have doubt of the legit of my account with MRS
XX/XX/2018, I was in contact with Chase Banks. I did not create an account with their company.
Company calls XXXX times a day. Either they dont leave a voicemail or when I answer, they hang up. When I try to call them at XXXX or at XXXX I get put on terminal hold by the auto attendant. The company in question is : Focus Receivables ManagementXXXX XXXX XXXX, XXXX GA XXXXI do not know of ANY account that I have with them and cant find out as they never leave a message or they hang up when I answer. This goes on all day and all evening XXXX times
The company is asking for additional documentation from the City of XXXX XXXX ( which I have now provided ) and continues not honoring a year of public service - 6 months of which were under the Loan Forgiveness program.
state farm bank-I mailed them principal only payments on five different occasions, only to have them apply those payments to interest only payments-tried to straighten out on at lest six calls spanning five weeks-was told they would fix it, then told they cant and that if I wanted to pay principal only it should be paid to completely different address-never disclosed beforehand and NEVER given copy of loan agreement, was told by state farm agent I would get copy of agreement when they mailed payment book, they never sent it, ive financed many vehcles and have never been told that straight principal payments will go to straight interest unless I have undisclosed address-it is NOWHERE on the payment book
I have a loan with XXXX. They charged the account off in 2014 but kept collecting regular payments from me. I was never notified of the charged off status. I still have the vehicle. I am making my monthly payment on time but the day after my payment I get a call for another payment. I can not get XXXX to tell me how these payments are being applied or even if they are being applied. 
When I call their office nobody can unlock my account on the system to tell me the status. I have had my agent contact them ( with a power of attorney ) and for the last two weeks they say " the account can only be opened in legal and we can not give you their extension or transfer you. We can only give them your number and have them call you back. '' They have not called me nor my agent back. 
Since the account has been charged off, their system obviously took it out of the normal billing status so it does not show payments applied. I believe they are simply trying to get as many payments out of me as they can in a month 's time without advising me of their application. I have paid {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for XX/XX/XXXX and {$220.00} on XX/XX/XXXX for XX/XX/XXXX. I just mailed {$220.00} 0n XX/XX/XXXX for July. 
I have attached a copy of the page on my credit report showing where they charged the balance off in 2014. I have a right to speak to someone who can give me a detailed analysis of how my payments were applied and when.
I recently tried to refinance my mortgage. I have a FHA backed loan with an FHA case number. Chase told me that the loan was not an FHA loan, but I sent them documentation showing that I had an FHA case # attached to my statement years after the loan closed. I also had the HUD-1 that proved the same.

The loan officers proceeded to tell me it was showing FHA, but they couldn't find the case number. I've been getting charge PMI on the FHA loan since XX/XX/XXXX, but they couldn't refinance as FHA. Instead of investigating further, the loan officers just repudiated the loan. The loan officers are XXXX XXXX NMLS ID # XXXX and XXXX XXXX.

Please look into this case. Before contacting a lawyer about this, I would like to see if Chase can get this resolved internally. There seems to be something dubious about this to me.

Regards, XXXX XXXX
I was a victim of identity theft and provided Experian with everything they asked for and the fraudulant accounts were deleted from my credit file on XX/XX/XXXX. Then i get a letter in the mail on XX/XX/XXXX stated that the accounts were being reinserted due to the police report not being valid or unverifiable. So i contacted the XXXX Police Department and asked if Experian were to contact them directly could they verify that my report was valid and the lady said yes, no problem but they had not received a call from Experian regarding my report. I then called Experian back 5 minutes later and they kept giving me excuses because they lied about calling the XXXX Police Department. They keep reporting the accounts as being verified. I even called the original creditor about the accounts and they had the wrong birthdate and age.
I can not get ECMC ( Educational Credit management Corporation ) to help at all. I have been in daily communication with ECMC since XX/XX/XXXX. ECMC is wanting to increase the amounts agreed upon. ECMC has been calling nonstop to my workplace, home phone and family. They have sent emails to my workplace as well. I have spoken with them on the phone and they are rude and unprofessional. I try and communicate through email so that I can have an electronic method of tracking our communication, but they only want phone correspondence. I established a payment plan through ECMC and they are also wanting to garnish wages starting on XX/XX/XXXX for these loans as well. 
My loans were in forbearance with XXXX, except for the ones that they got possession of. I was told by XXXX that those were mistakenly not put into forbearance status. My position now, is that I am paying XXXX, XXXX, ECMC through a payment plan set up through their site. I will also have my wages garnished on XX/XX/XXXX. I have XXXX special needs kids that I adopted so I do not have money to just give to ECMC. I can not sell my house either like ECMC has suggested. Any help in this matter would be greatly appreciated. 

Thanks for your time. 

XXXX
I 've sent numerous certified to which I get verified back .... the debt collector can NOT validate this debt therefore how can it be reporte. The agency has not done their due diligence and provided me with any valid paperwork. I am uploading the letter sent from merchants credit saying THEY CAN NOT VALUDATE THIS DEBT
I was forced to file for a loan modification due to a hardship brought about by a divorce. I made every payment up to when I was sent a letter stating what my new payment would be and the date that the next payment was due. My loan modification specialist said that I must make these three payments for that amount, on or before the date that they were due, or my modification would either be delayed or denied. I made the XXXX payments and was subsequently modified after the XXXX monthly trial payments. I checked my credit score in the months following and found that two XXXX day late payments showed up. I have since followed up many times with the bank, only to get conflicting answers. XXXX answer I received from the bank is that I should have paid another full payment before the trail payment that they wanted me to pay. My Attached documents show that I paid every payment up to XX/XX/XXXX. I received a letter from the Bank on XXXX XXXX, stating that I would now be entering into a new payment schedule, and that the next payment was due on XXXX XXXX. Another answer was that the lates resulted from the difference between my unmodified payment and the trial payment. I was never informed that I needed to keep paying my old amount or in other terms above what they asked me to pay during the trial period. Bottom line I paid what they told me to pay, when they wanted it to be paid. I would have had no issue paying more if they wanted more. Also the late payments on my credit report state they occurred during the trial period, if this was the case the bank would have delayed or not given me a loan modification, neither of those happened.
I have approximately XXXX hard line inquires on my report ( via XXXX XXXX ) and they were NOT authorized to do so! How do I remove them from my report! These inquires have caused my score to decline significantly and I am livid!
Discover viol ated the civil law of California and closed my account without advance notice. On  XXXX  around  XXXX  PST, attempted to reopen the account and was denied.
I am writing to file an complaint against XXXX XXXX and Second Round, LP for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. 
Refusing to remove inaccurate tradelines when Second Round LP, did not provide sufficient requested info to back up their claim. 
Allowing Second Round LP 's attempt to " re-age '' negative trade-line, a violation, even in situation when Second Round LP failed to back-up their claims first. 

XXXX XXXX, 2016 I submitted a dispute with XXXX, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by Second Round, LP. 

XXXX and Second Round LP, could not provided any solid documents to back up their claims. Second Round LP, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). 

XXXX further let Second Round LP to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to Second Round LP ever. Any attempt to " re-aging '' is a violation of the rule. 

I would like to have the inaccurate negative tradelines submitted by Second Round LP, to be removed from my credit report. Thank you.