WillisBack/dataset-financial-user-claim huggingface dataset:
AmeriHome Mortgage sent me a letter in XX/XX/2019, stating that the mailing address on my mortgage account had mistakenly been set to the property on which I have the mortgage. Without my input, AmeriHome had corrected the address to my correct contact address - so there is no question that they knew what it was. 

Upon receiving the letter, I sent an email to AmeriHome on XX/XX/2019, asking them to confirm that I was correct in understanding they had been sending printouts of my personal mortgage statement to someone other than me ( in this case, to my tenant ), and they finally responded on XX/XX/2019 with a non-committal confirmation that their records reflect [ my correct mailing address ]. 

AmeriHome sent personal mortgage statements to someone who did not have a right to have them for 6+ months due to a " system error '', and then displayed an inability and/or unwillingness to properly respond to a consumer inquiry in a timely or honest manner. I believe that AmeriHome is demonstrating a lack of robust privacy controls and may need to be audited/fined/controlled by a federal agency. 

As a side note, which is minor but lends itself to problems with AmeriHome systems - when I first tried to sign up for online access to my account, I appeared to have done so without issue. But I was unable to login, despite repeated attempts at reentering my user name and trying to change my password. I finally called AmeriHome, and learned that the system only allows 15 characters in a user name, so it automatically cut off the last 2 letters WITHOUT informing me. This is another incident pointing to improper systems at AmeriHome mortgage.
There was something strange on my credit report so I called to find out what it was. There was a XXXX XXXX account showing up. I thought it was closed. I called back later. They deleted it. It is suppose to be on there for ten years. No one speaks English. My report is different than what they are reporting to XXXX XXXX and XXXX XXXX XXXX. I do n't know understand why inquiries effect the score. I have XXXX showing up the twice the same day. TransUnion had no answer.
I had this card since college from XX/XX/XXXX-XX/XX/XXXX. This company removed me from credit protection, without me knowing, when I was sick and financially challenged, secondly, they decided to close my account when I wanted to set up a payment plan. I believe that this company is XXXX and the representatives just wanted to ruin my credit because I am XXXX and XXXX skinned. I was beaten and attacked and they did not care even after I told them. I needed a little more time to make a payment. I am ill and I need to have my protection plan reinstated. Please help, because this is the only major credit card that I have with a high limit. I think that they closed my account, however, I am ambiguous to the facts of the matter, currently.This company told me that I could not get into a payment plan until XX/XX/XXXX, now that it is XX/XX/XXXX, this XXXX man closed my account. I am saddened and heart broken. This company should seek new management. Why did he wait until a year to close the account? This is miles around the time when I could have been put into a payment plan.
Hunter Warfield  have not verified debt accurately. I never signed a contract with them or  XXXX   XXXX , my contract was with  XXXX   XXXX  but  Hunter  is reporting to my credit report as owing {$4500.00}.
I have previously tried submitting a complaint with this company.. XXXX XXXX was the original creditor. The amount on the alleged account is {$730.00} dollars. I C system has finally decided to respond only to say that they aren't the ones who brought the account although let XXXX XXXX says the original creditor was XXXX, yet the account is with them and they, ( I C system ) are the ones trying to collect this alleged debt.
I am XXXX y.o. and SS is my only income. I have struggled for 7 years to make my home payment. I received a notice that ditech had increased my payment, due to an escrow arrearage?? to nearly {$100.00} more a month ... .no way can I afford that since my mortgage payment is already $ 48 % of my income. I only owed about {$35000.00} since paying since XXXX. 

I contacted ditech for a loan modification and they approved it inXX/XX/XXXX with a reduced payment to {$550.00} with a new interest rate of 3.875 %. ( originally a VA loan at 4.5 % ). I signed and returned all their paperwork inXX/XX/XXXX ( ditech website showed {$520.00} due and I paid this in XXXX ). I paid my mortgage at their approved amount in XXXX of {$550.00} and already scheduled my XXXX payment ( electronically ) through my bank. 

I received an email from them today that basically read, 'we changed our mind, you house payment remains the same '.???? 

Is this legal after they already approved the modification? 

Thank you, XXXX
On XX/XX/XXXX I contacted Pro Collect to see why they were showing up on my rental history as being owed a debt in which I know I included in my Chapter XXXX Bankruptcy filed case. I filed Chapter XXXX in XX/XX/XXXX in which I have since been discharged from this filing. Once again I contacted Pro Collect and asked why are they still showing that I owe for the XXXX XXXX XXXX and other company by the name of Sure Deposit which was also included in the Bankruptcy. I was advised that my account was restricted and to contact a gentleman by the name of ( XXXX XXXX ) via email. I was giving the email of XXXX and also advised that if and when he returns my call that I would need to answer because he will not call back. Meanwhile, I still did not receive a call back or email in reference to my issue at hand. I contacted the company again on XX/XX/XXXX for a follow up because I have yet to receive a resolution from the first attempt to inquire as to why this debt is still out there when it should indicate it was discharged through bankruptcy. This is causing a hardship on me because I'm trying to relocate and they will not allow me to reside in their dwelling until I show proof that I do not owe this debt to Pro Collect, The XXXX XXXX XXXX and Sure Deposit. I have yet to hear from this company and per the reviews for this company they have horrible service and XXXX XXXX is not a reliable source to handle the issue at hand. Therefore, I will exhaust all avenues until I get this issue resolved.
I called and discussed the problem with a represenative and they told me that I could not dispute them they will fall off in 2 years. I kept explaining that they are unauthorized and he just said wait 2 years. He then put XXXX a supervisor and the phone and she could not understand me and I could not understand her
on XXXX XXXX, XXXX XXXX with XXXX organized a crime scene by stealing my house. Using forms with falsified information and unauthorized signature. They used XXXX of XXXX Tn, to remove my private property and lock me out of my house to allegedly give my house to someone at the BANK OF NEW YORK MELLON by the name of XXXX in Georgia. The alleged account had been updated to cease and desist by the time they claim to have a trial and steal my information and my house at XXXX in XXXX TN. In violation of federal law XXXX XXXX XXXX I never recieved verification or validation of some alleged debt, Now I have no house to live.
Summit Receivables say I owe them money from a charged off loan XXXX. This is not true as I contacted XXXX who gave me the name of the company they sent my loan to and said they have never heard of Summit Receivables. They are trying to scam me for {$4600.00}. 
This company keeps calling me work and cell number and speaking to me very disrespectfully. This has happened for over 2 weeks They say I owe XXXX {$4600.00}. I contacted XXXX and recieved my formal letter in writing that they turned my information over XXXX and they do not know who these people are and to not give them any information. I sent this company an email XXXX showing that they do not know who his company is and they are a scam. The Scam company Summit Receivables are still calling me and trying to use scare tactics. This is very upsetting and I need them to leave me alone and stop trying to get money from me that I do not owe to them. This company has very hateful people working there. Since I work XXXX and my information was hacked along with XXXX other employees since XXXX did not take care of us, out information is out there for everyone. Please help me and get this fixed. There are so many people going through the same issue and these people need to be taken off the streets and stop trying to scam innocent people. I will be paying my XXXX account through XXXX XXXX, the actual legitimate company. They send emails that are rude and they send fake documents. Again XXXX said they do not know who this company is and I should not be speaking with them. SO they have my personal information and trying to get money to use for themselves. They even asked '' Were y0u even intending on paying this back so you are that type of person? that is so rude. They yelled at me and said you pay us all or nothing. I have seen several emails from consumers saying not to trust them. They called my office left a message saying the payment I made was returned by my bank. I never made them a payment. I had to close my account an few months ago because some scammers were trying to get into my bank account. Thee may be the same people. Nothing was done about it because the addresses and numbers they gave were all fake. This however they have an email address, address and phone number. 


XXXX : XXXX Telephone XXXX Fax XXXX Email XXXXXXXXXXXX Mailing Address Summit Receivables XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX SUMMIT RECEIVABLES, XXXX XXXX XXXX Name GMA INVESTMENTS , LLC Filing XXXX Document Number XXXX FEI/EIN Number XXXX Date Filed XXXX/XXXX/2014 State NV ( Under the name GMA Investments Nevada XXXX XXXX XXXX ) Status ACTIVE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Registered Agent Name & Address XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Person ( XXXX ) Detail Name & Address Title XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
I placed a dispute for validationof accounts in XXXX of 2017 For the tradelines showing on my credit report of XXXX and XXXX accounts of XXXX. These accounts were not validated therefore were removed frm my credit report. I received notice that between XX/XX/2017 and XX/XX/2017 that the tradelines of XXXX were removed from my credit report. also received notice that XXXX XXXX TRADELINES WERE REMOVED FROM MY REPORT. However after checking my credit report Equifax placed these tradelines back on my credit report without giving me notice or without them receiving a letter of reinsertion from the creditors.
Recieved a settlement letter for an XXXX collection in XXXX XXXX. This is the first communication i jad with a collection agency regarding this debt. I called them and they stated per phone that if i made the payment to them by XXXX XXXX XXXX that they would not report to credit bureaus. I paid it 2 weeks early and then they reported it after payment. I disputed with XXXX credit bureaus. XXXX and XXXX deleted this account. XXXX will not and i have disputed it 3 times. Ive called numerous times to erc and they keeping telling me something different. This is not the first time this has happened. In XXXX erc was reporting a debt that they never owned and XXXX would.not remove after multiple disputes and a year later it was finally removed
XX/XX/XXXX, I had a cell phone ( smartphone ) stolen. This was reported to my local police department. I thought that all the security apps I had in place would protect me but I was wrong. Due to that theft my identity was compromised. As a result I dealt with everything from accounts attempted to be opened to funds being funneled out of my checking/savings account. For the first time in my life I was thankful that I was not rich as there was n't much to steal but enough to put me in uncharted territory. With thanks to my bank I was able to slowly but surely remedy the situation. But due to the circumstances, I for the first time was behind on my bills. I had a credit score before all this happened of about XXXX-XXXX, not perfect but respectable. I am scared to even check to see what it is now, literally. XXXX has creeped in. With all this going I was looking for options to keep myself and my family afloat without issue. I received an advertisement which I can upload later mentioning a forbearance possible on my 2nd mortgage account. I called CitiMortgage, received some information, and wanted to begin the process. I was told that I was n't late enough to take advantage of anything but if I became more past due options would open for me ... this made sense but sounded frightening at the same time. I reluctantly let the account go further behind until it was time to take advantage of the forbearance which I was to initiate the process before XX/XX/XXXX. However, at that time I was told that that because my 2nd mortgage was not FHA or XXXX that I could not take advantage of the forbearance. My heart sank, I have/had the feeling that my life was ruined. I have a daughter who wants to go to college and now the credit worthiness that I worked so hard to maintain was ruined over misinformation. The only reason this forbearance option was even remotely attractive to me is because it would prevent credit reporting once I accepted the forbearance terms. My primary mortgage account was never late since obtaining it XX/XX/XXXX, not once, not ever. I am a responsible customer. Although the rate is substantially high here on this account I have n't had any issues with CitiMortgage. CitiMortgage is a great company and I just need someone who can understand and help me. I simply want to remedy this situation and receive accurate information.
Hello my name is XXXX XXXX i have been contacting a company that shows up on my credit report as Financial credit Network inc.this company claims that i had a gas bill of some sort in XXXX with XXXX XXXX gas company i called XXXX XXXX gas to inquer about this account they had no knowledge of account they said to contact colection agency collection agency claims date if first delinquncy isXXXX original balance due was $ XXXX then it states that date of last payment wasXXXX well i have told them many times to please show me proof of this payment i NEVER made a payment to them because # 1 i never had any knowledge of this account i have never had a gas stove in my life # 2i never was contacted by anuy one regarding this to make a payment they refuse to tell  me how payment was made or show me original account address 1 day i had a lady accidently tell me then she realized i guess she was not supposed to tell me of some address on XXXX XXXX on XXXX XXXX i have never lived on that street in XXXX XXXX.they claim balance is zero they tell me to just wait it will come off my report well i do n't want to wait because its not my account please please i beg you to help me in this matter all i have is a partial acct # XXXX please help me to remove this thank you i have gotten no where i would never just bother you guys i have spent weeks and weeks trying to resolve this they seem to think because my balance is showing zero its ok and its not affecting me whether it is or not is not the point its not mine i dont believe its fair that its on my report i work very hard and pay my bills on time as i always have i have no other negative accounts nor have i ever why would i not pat a XXXX dollar gas bill i have spent more in stamps disputing it then then the actual bill please you guys are my last resort please help me and send me results to my reporting credit agency there is only1 reporting this XXXX thats it thats all my email is XXXXXXXXXXXX
I have n't been able to access my money for more then a week ca n't pay my bills my work paycheck goes into account rush card is not answering my calls keeps hanging up on me
I recently was informed by U.S. BANK that they had put me on XXXX in XXXX 2013 for Automatic Teller Machine Abuse. I owe U.S. Bank no money or repayment of any kind, however they refuse to give me any documentation confirming this. 
I am a XXXX, XXXX, on permanent XXXX, and suffer from XXXX. In XXXX of XXXX I inadvertenty put a non-cashable item into their ATM. The very next morning I was at same branch and apologized and rectified my error. And for this oversight on my part they place me on XXXX for XXXX years?! That 's quite severe for an error in judgement, for which no monetary debt is owed to U.S. Bank. 

Please investigate this incident. I 'm requesting that I please be removed from XXXXRespectfully, XXXX XXXX XXXX
I have been trying to get my loans removed since Ive heard about the XXXX situation not only have Ive been harassed numerous times about the loans but they promised me a job in the medical field and majority of the health facilities I attempted did not take XXXX interns ... its been 8 years and on my credit I have an outstanding balance for student loans thats the only thing hurting my credit score and stopping me from purchasing a home.
In the Month of XX/XX/2016 I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them  stating I owe {$3700.00}. 

The cause is that in XX/XX/2016 I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00} to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided OFX.csv which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. 

The discrepancy occurred in the Month of  XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/2016 per Reference :  XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 
XXXX ) XX/XX/2016 per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION. 

I have called American Express several times to explain the situation and they only seem to send me my complete XX/XX/2016 statements. Unfortunately, they will not look at the OFX.csv file as proof of this error and they only rely on their Statements which are part of this error. To further my troubles the American Express agent told me that there is nothing I can do to fix the discrepancy between the OFX and the PDF 's and I should just pay the amount they see as owed. I estimate that I have spent 11 hours on the phone with American Express and 5 hours on my own time figuring out what the root cause may be. At this point I would like American Express to find where the discrepancy is between the American Express statement and the American Express OFX.csv file. 

I do have a statement from my certified public bookkeeper that supports my case in the American Express has performed an accounting error.
I have submitted a complaint about XXXX XXXX. After I submitted the complaint, they left an even more derogatory response than the one originally. Also, began the process of collections. I sent a check a long time ago to XXXX XXXX after an argument that lead to me asking my account be closed. The check was the total pay off amount. This was roughly a little over ago. Now, this was with the understanding during the argument that if I paid off the account we 'd call it " even '' and this account would be closed is perfect standing and no late payment if not able to be removed in full. I was told XXXX different things after being escalated to a supervisor. However, both worked in a manner of leaving a full positive remark of no mark at all. This is extremely unfair and causing financial issues as I 'm going into adulthood. It 's hard to find an apartment, I ca n't get a car loan, and I do n't even get to take out any credit to get the car I have fixed. It 's upsetting because I was XXXX when I opened it and I had no idea to keep track of all supporting documents. I did n't even think something like this wa possible. I have no control over my own credit report. Instead I have to state my case and pray justice is served.
My credit report and personal information has been compromised by Equifax. Equifax has reported that they have been hacked and millions of peoples personal information has been stolen. They state so through https : //www.equifaxsecurity2017.com/potential-impact/. I have inquired about my personal impact and it states my information may have been stolen. 

This is completely unacceptable for one of the 3 major credit reporting agencies to have such mediocre cybersecuirty and have my personal information stolen. Equifax is irresponsible in handling my sensitive data and the measures they are taking to help people impacted is poor to say the least. They are providing only 1 year of free credit monitoring services, and you have to agree to waive the right to sue them for their credit monitoring services. That is such an evil business tactic for them to cover themselves by forcing you to agree to such a waiver. 

Equifax released an explanation of this waiver saying arbitration clause and class action wavier included in the TrustedID Premier Terms of Use applies to the free credit file monitoring and identity theft protection products, and not the cybersecurity incident. That does not acceptable whatsoever either. I am not going to waive my right for legal action if the credit monitoring and identity theft protection is compromised as well.
I had two similar negative marks placed on my credit report, both from payday advance companies. I have never opened a payday loan, so these are not my debts. I requested removal/verification from both companies, and one mark was removed. The remaining company refuses to remove or validate the debt, even though I have contacted them several times and filed a Better Business Bureau complaint against them. 
This negative mark is seriously damaging my credit, and I have been unable to apply for a mortgage as a result.