WillisBack/dataset-financial-user-claim huggingface dataset:
Select Portfolio Services bought my mortgage from XXXX in XX/XX/XXXX. 
XXXX told them I was behind 3 months in payments which I was not. Those months were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX 
SPS paid XXXX for those 3 months when they acquired my loan. 
I have a bank statement showing each of those months paid to XXXX from my account. 
Question why are they buying a delinquent- perhaps an easy foreclosure???? 
They did not realize I was on chapter XXXX ergo they could n't foreclose or even ask me for the money they thought I owed. 
After Ch XXXX I received lots of stuff in the mail about money I still owed and my lawyer said do not pay anybody so I did n't. 
XX/XX/XXXX the first I receive a letter from SPS saying I owed them XXXX plus. I sent them a certified letter with copies of payments to XXXX for those months. 
XX/XX/XXXX I get a letter saying I owe them XXXX. My letter was received by them on XX/XX/XXXX and signed for by XXXX at XXXX. 
Select Portfolio Services-XXXX I only get a flunky when I call so there is no contacting someone in charge. 
The XX/XX/XXXX letter ask for XXXX by XX/XX/XXXX I called and asked the flunky if there was anything on the screen about the certified letter and copies I had sfnt and she said no. 
I 'm really stuck and really scared of these people.
AMERICAN COLLECTIONSXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX # XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AMERICAN COLLECTION ACC # XXXX XXXX XXXX XXXX XXXX $ - XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : AMERICAN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSSN : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I called the company a few weeks ago trying to get some unauthorized inquiries removed but the customer service rep was no help at all. I told her that I havent been applying for anything since I was working on my credit and plus I am trying to get approved for a mortgage. Someone please fix this for me.
I previously had a home equity loan with Wells Fargo when i signed note on XX/XX/XXXX under payments " Payments I make from a qualified account ( " Automatic Payments '' ) pursuant to an Authorization for Automatic Transfer will be credited to my Loan on the date received ( including Saturdays, Sundays, and holidays ) ''. This held true until XX/XX/XXXX when I received a letter with the subject " When automatic payments are scheduled on a weekend or holiday '' The letter stated " What you need to know Previously. If your payment was scheduled on a weekend or holiday, it came out of your account on the next business day. The payment was then backdated to show that it was applied on the weekend or holiday. 
Now. If you payment is scheduled on a weekend or holiday, it'll still come out of your account on the next business day. However the payment won't be backdated. It'll be applied on the day it comes out of your account. This means some of the payment will go towards the interest incurred during the weekend or holiday instead of to the principal or other balances... '' I have previously filed a complaint about this and Wells Fargo states that they feel they did not violate the loan as they state " The Mortgage Note requires us to credit your account as of the date your payment is received and we will continue to do that ; however, since we will not be autodrafting payments on weekends and/or holiday there will be no payment to back date as it will be autodrafted the following business day. '' This is not supported by both the Loan Note and the letter that was sent to me dated XX/XX/XXXX. As that letter specifically states previously payment was taken out on the next business day but backdated but now the payment will " still come out on the next business day ... [ but ] wont't be backdated. It'll be applied on the day it comes out of your account. This means some of the payment will go towards interest incurred during the weekend or holiday.. 

Wells Fargo has lied about how the letter dated XX/XX/XXXX and the Loan Note are stating payment application and the fact that they can now charge more interest because of the fact they are not backdating payments.
I had some trouble paying my Midland Mortgage VA loan. After many months Midland agreed to modify my loan in 2011. Every payment I made to Midland after the modification was reported late to the credit bureaus. Midland reported my loan on time only after I completed the modification. There was no language in the modification contract regarding the loan being reported late even if the payments were made on time. Because of this my credit record is destroyed and I ca n't refinance to a lower rate. Midland will not help regarding this matter.
Refusing to verify debt, and refusing to verify identity of debt collection company. Sent insulting communication back to my attempts to correct their records.
I opened CapitalOne 360 Savings on during XXXX, 2015. As per this account terms and conditions - I was suppose to get {$500.00} bonus if i deposit {$50000.00} within 10 days which i did. 
XXXXHere are the terms and conditions:1. Open your first 360 Savings account by XXXX/XXXX/2015 XXXX XXXX EST. 
2. Deposit {$5000.00} or more from an external account within the first 10 days of opening and maintain that balance daily for 90 days to qualify for a {$50.00} bonus. If you deposit and maintain {$10000.00} or more daily for that same period of time you 'll earn {$100.00}, and so on upto {$500.00} total. ( Check out the chart for more details. ) XXXXI deposited $ XXXX within 10 days on XXXX/XXXX/2015 and today it 's 90 calendar days. Few days back I send them a fax asking about the status of my {$500.00}. Called up also. Then i come to know that they are not going to give me any {$500.00} as i had ING Direct account in the past. ING Direct was acquired by CapitalOne. 
This raises few questions:1 ) This should have been told to me long time back and not after 90 days. 
2 ) They are violating the terms and conditions at that time ( back in XXXX 2015 ) though terms and conditions when i checked today is saying what they are talking about now. 
3 ) There is no message center via which customers can send email to them or send a message ... .just a phone number that too working during east coast time. 
4 ) This is a new account - i never had XXXX degree checking account with XXXX One-why they are trying to have an excuse that I was having a savings account with ING Direct. Let 's say there is an " XXXX Bank '' which gives me a cash bonus for opening an account and Capital1 acquires that after 5 years - will Capital One will come back to me to get that money back? 
5 ) Are they taking all the liabilities and action suits against ING Direct also? 
According to me this is a mere excuse not to give {$500.00} bonus. 
Attaching all the documents and promotion snapshot ( from XXXX 2015 ) itself.
I have the 'automatic monthly payment ' on my mortgage through my Bank of America account for the XXXX of every month. For the month of XXXX, I made a one-time payment date change to XXXX XXXX so I can make two additional deposits to cover the check. I made this change on XXXX XXXX online through my account 's website on BofA and it was confirmed on the site. ( The first deposit of {$1500.00} was made on the XXXX of XXXX and the final deposit on the XXXX of XXXX for {$800.00}. I already had {$340.00} in addition. ) However, the bank ignored my request and went to withdraw the funds on XXXX XXXX instead, when they were NOT supposed to do so. 

Guess what?! I 'incurred ' an overdraft fee and to make matters worse, they did not make the mortgage payment until the XXXX which incurred an extra {$35.00} fee and a returned check fee of another {$35.00}! Both check deposits were from my personal account at another bank. 

I feel Bank of America did this deliberately to add the unnecessary fees to my account. I know this because they immediately tried to get me to buy overdraft protection! 

I want all of these unnecessary fees returned to me immediately! I am very angry about being charged and solicited for business after they unnecessarily charged me.
Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with USBank on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX   services, XXXX, banks transfers. 
I called in advance to USBANK and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!
I have no received any information about this account. I have tried disputing and reaching out to the company online but get response.
I went down to my local police station and filed a police report when I discovered accounts has been manufactured in my name. I had the police report stamped and I filed a repot with the FTC. In addition, I went and saw a notary and had all documents notarized. 

I submitted the documents/information to the bureaus and the unknown information remains on my credit an I have not received a new credit report to show the information was disputed. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX US BKPT Identification Number XXXX XXXX BKPT Identification Number XXXX
On XXXX XXXX, I sent Trans Union a letter requesting that they correct errors on my credit report. Over thirty days have passed, and I have yet to receive a response of any kind.
I received credit inquires from XXXX XXXX of Texas and I haven't applied for any loans or any credit applications. I only opened a savings account and nowhere did it mention that my credit was going to be ran or used for the savings accounts.
For the last 4 month I have contacted XXXX different creditors asking them to send me proof that the accounts belongs to me and I am not getting anything from them. Also I have been filling request with Experian to verified the accuracy of this information and 4 times they keep telling that the information was verified with the creditors. These are not my accounts and no one is doing anything about this. Specially Experian is not doing anything about it. This is against the law, How can they verify something that is not mine with Experian but they are just ignoring my letters.
Wells Fargo Home Mortgage is incorrectly reporting my account 's current status as " 120 days late '', even though the account was transferred to another company and the balance on this account is now XXXX. It is obviously not possible for the account to be currently 120 days late and delinquent if the balance is XXXX and has been XXXX for over a year. I 've attempted to dispute the information with all 3 credit bureaus and they tell me they can not change this because it is what Wells Fargo is reporting. I 've also contacted Wells Fargo, who refuses to admit they are reporting the account incorrectly.
Credit Acceptance shows as a hard inquiry on Consumer 's Credit Report. Was supposed to be removed XX/XX/2018 and is still has not been removed from consumer 's credit report after appearing for two full years.
i disputed this accounts, to tell them that this accounts are not mine. some how some one used my information and i tried to tell them when i filled a complaint and the creditor said it was accurate and i know it is not, here are the one that said that it is accurate MIDLAND FUNDING LLC # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Date Closed ; Remarks. Here is how this account appears on your credit report following our investigation XXXX  XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated ; Past Due ; Date Closed ; Rating. Here is how this account appears on your credit report following our investigation. 


PR TELEPHONE CO # : XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Date Closed ; Rating. Here is how this account appears on your credit report following our investigation. 


XXXX XXXX XXXX XXXX  XX/XX/XXXX INQUIRER CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ESTIMATED REMOVAL DATE XX/XX/XXXX XXXX
I do not believe the number and catagories are correct XXXX - Serious delinquency, and derogatory public record or collection filed, all my bills are paid on a automatic payment plan XXXX - Number of accounts with delinquency, I do n't have XXXX accounts XXXX - Lack of recent revolving account information XXXX - Too many consumers finance company accounts
Experian Credit Bureau was notified that XXXX XXXX XXXX was wrongfully remarks as revolving acct ... .It is properly address as a real estate mortgage. The wrong classification damages the XXXXredit score. XXXX 2017
In XX/XX/XXXXmy loans were serviced via Nelnet. I was wrongfully terminated from my employment and asked for unemployment deferment / forbearance. I was told it was granted. I was told it was for up to 3 years since I was also undergoing medical care at the Veteran 's Hospital. In the meantime I filed suit against the XXXX for wrongful termination and XXXX  discrimination. My suit was resolved in my favor the Summer of XX/XX/XXXX. I am now a XXXX ( XXXX employee ) for the XXXX XXXX XXXX XXXX XXXX. Upon renewal of my clearance it came to light that my student loans through Nelnet had been sent to XXXX XXXX XXXX a collection firm for the Department of Education and placed in default status. I contacted Nelnet and was referred to XXXX XXXX  to resolve the issue even after it was determined that whoever placed my loans in forbearance only did it for a month which was puzzling. I have sent XXXX XXXX  a copy of myXX/XX/XXXX XXXX  form showing my gross income before expenses as well a bank documents detailing both company expenses and personal expenses to satisfy the proof of income requirements to arrive at a standard payment plan amount. We agreed on {$350.00} per month and the first payment was debited on theXX/XX/XXXX. XXXX XXXX  is now attempting to increase my regular payment using the gross amount on the XXXX without using any of the bank documentation proving my expenses and refuses to accept bank statements instead of cancelled checks. They also have had me upload Health Insurance documents which include the personal data of my family members which is subject to both HIPPA and Privacy laws. At this time I acknowledge I owe the debt but XXXX XXXX is violating privacy laws and refusing to act in good faith. Today, I received a letter stating that they were still using my gross income instead of my adjusted gross income which arrived in a handwritten envelope without a complete return address stating that it was from XXXX XXXX XXXX. This is a violation of the Debt Collection laws as anyone or entity attempting to collect a debt must truthfully identify themselves to the party which owes the debt. An incomplete address, without the name of the entity, does not satisfy this requirement. I need Nelnet to correct the error on the length of forbearance and have the Department of Education recall my loan back from XXXX XXXX XXXX and return it to Nelnet for proper servicing. At this time Nelnet stated they do not know how to go about it although this is the direction I was given verbally by the Department of Education. At this time all parties are dealing in bad faith.
I was notified by Discovercard on XX/XX/2017 that due to a change in my credit profile, they were lowering the available credit. Nothing has changed in the last year, I have never made a late payment to Discover or any of my other creditors, my debt ratios have been the same, I have not applied for any bank loans, my last bank loan was exactly 1 year ago. What did change was I accepted a balance transfer with Discover for a 0 % promotional interest rate offer good for 1 year. Now that Discover has lowered my available credit, I am forced to start paying back this balance transfer early. This bank changed the terms, even though I have a near 3 year relationship with them, with perfect credit, no missed payments ever! Since I already paid the balance transfer fee, I am out those funds, without the full value of my 0 % APR!
On XXXX 2017 a unauthorized hard inquiry was performed on my credit report by XXXX XXXX XXXX in XXXX NJ. When I noticed this report I spoke with with Transunion about this and they said I would have to speak with the people involved to remove it. After numerous attempts I finally spoke with XXXX XXXX XXXX and was told they would " get back to me '' they never did/ Transunion provided this info to what I believe to be a scam or fraudulent company. I have made repeated attempts to get this removed and have since froze my transunion account because of this. Transunion is not will to do  anything to help me in this matter. I had no reason to apply for any type of credit at this time and it worrries me that my info is so readily doled out
Experian, XXXX, and XXXX refuses to accept my Identity Theft report from the police. They are refusing to place a 7 year freeze and a 7 year fraud alert on my credit file. I have made numerous attempts to resolve this, was charged {$5.00} and was assured by XXXX and XXXX ( reference number XXXX ) that Experian would refund this money once they received a copy of the Identity theft Police Report. Military ID with social security number is attached. Please let me know if I must get a Senator or President Trump to assist.
We applied for a refinance on our property in california. We were continually assured that the loan would be approved ( excellent credit and loads of equity ) We were required to pay for an appraisal ( {$510.00} ) and a subordination fee that had to be overnighted ( {$250.00} + {$50.00} ). After nearly 10 weeks on this loan and the mountain of paperwork we sent to them I called them only to find that they claimed we did not qualify. Their only explanation of debt to income did not make any sense. I have requested a further explanation to no avail. We want our upfront monies back and we want all the papers associated with this loan with a full explanation.
I received a collection letter from Portfolio Recovery Associates concerning a computer system purchased from XXXX XXXX through XXXX XXXX. The computer was purchased around XXXX 2011, with no interest charged due to my high credit score. This system was paid in full on XX/XX/2011 by electronic payment from my credit union. I have the XXXX statement showing the full amount of the last invoice I received from XXXX as paid. Portofolio Recovery is demanding payment in full of {$1000.00} even after I provided a copy of the XXXX 2011 CU statement showing the final invoice amount of {$370.00} as paid from my account. They continue to send letters with additional demands which I answer within their time limit, but I do not send additional information except to inform them that their info is incorrect and that I never received any correspondence, of any type, from XXXX, concerning this bogus past due account. I also informed them, to no avail, that IF this was a past due account any reputable company would have made contact sooner that four years after the fact. I understand that this company has some very questionable history in matters of this type.
XXXX   XXXX ,  XXXX  CFPB : J  XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) y ears.   XXXX    claims that I owe it over {$140.00} on my   XXXX    Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance  on my   XXXX   XXXX       XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.   XXXX    thr eatened to take away my    XXXX   XXXX   and t he personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that  XXXX  remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX   Vis  a Platinum Credit  Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX   to accept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
I received an email for my BBVA Compass XXXX XXXX/XXXX/XXXX stating " Spend {$500.00} or {$1000.00} in qualifying online purchases and make XXXX Real-time Rewards Redemption through BBVA Wallet and receive XXXX or XXXX bonus points ( enough for {$25.00} or {$50.00} account credit ). This offer is only valid for online purchases with XXXX BBVA Wallet Real-time Rewards Redemption between XXXX XXXX and XXXX XXXX, XXXX. '' I made {$1000.00} of purchases during this time and never got the reward. In XXXX XXXX, I started getting in contact with customer service. After being bounced around several times, being told that I would get a call back and never would, and having to re-explain the issue to multiple reps, I finally got an answer. Unfortunately, I was told that I would not be receiving the bonus because I purchased " gift cards ''. Besides the fact that I did not purchase gift cards, nowhere in the email does the word " gift '' even appear, meaning that this kind of purchase was not excluded. As a result of this decision, I have lost XXXX rewards points which are worth {$50.00}.