WillisBack/dataset-financial-user-claim huggingface dataset:
I have previously filed a complaint against the lender ( XXXX ). The lender took 2 months time to respond. My wife 's chapter XXXX bankruptcy petition has been approved as of XXXX of this month. Nevertheless, Carrington Mortgage ForeClosure Prevention Office in XXXX, TX is sending mails to us and threatening of foreclosure. The property currently have an automatic stay order and an exempt property under Federal Bankruptcy Law ( Chapter XXXX Bankruptcy Case # XXXX ) The lender has not moved the foreclosure auction sale notice from the XXXX District Clerk 's office either, which is causing harassment by number of buyers around the home everyday. Please help us against this illegal foreclosure procedure. The local division of the lender 's office information is below : ForeClosure Prevention Office :XXXX Ref # XXXX Loan # XXXX Sincerely, XXXX XXXX P : XXXX
I have a debt from the XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX Hospital in XXXX, Pa. This debt was transferred to XXXX and I have been making monthly payments. Several years in XXXX stopped sending me statements about my debt. I would call statements would resume, for a year then stop. The only way I receive a statement is by not making a monthly payment, which XXXX then attempts to void my monthly payment plan. I filed a complaint with the BBB and was advised I would receive statements, which I have not. I filed a complaint with you, complaint XXXX, that XXXX states was not with them which was concerning because they are cashing my checks. On XXXX XXXX I received correspondence due to not making a payment in an attempt to know the balance and the letter states from XXXX. I never received any notification that my debt was being transferred or that XXXX is now XXXX. I am asking to receive statements in an effort to know what is owed, who I am paying, that my payments are being applied.
My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/XXXX. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/XXXX. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX  's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! Thank you!
My XXXX Account was transferred to a new owner of a business I sold in XX/XX/XXXX. She notified XXXX of the change in ownership and submitted the necessary paperwork to take responsibility for the account when the account was in good standing. She later ( in XX/XX/XXXX ) declared bankruptcy and had a negative balance on the account, and XXXX is pursuing me to get the negative balance of $ XXXX repaid rather than pursuing her in bankruptcy court. I have provided documentation on the business sale, a tax form from XXXX which does not indicate any connection to me or my social security number ( I have no relationship to XXXX ), the letter I sent to the collection agency and XXXX, and an email from the actual owner taking full responsibility for the account and stating that she transmitted all necessary documentation to XXXX to transfer the account.
XXXX XXXX I return the jewelry to XXXX XXXX within the time under the return policy. I call Citi Bank at the time they told me they was working on the issue. I was later put off time after time. No return call some one always going to get back to me. Wrote Citi Bank disputing the issue and had all rights to cancel the agreement. Citibank let the time run out and then call me after the fact. I had talk to them several times. 

Citi Bank does not do what they say its just the run around.
I received a {$50.00} prepaid Visa card ( managed through myprepaidcenter.com ) as a gift. I received the card in XX/XX/XXXX and the card 's expiration date was XXXX. I called MyPrePaid 's visa line to request a new card or receive a check, but I was told that they could only issue a new card and it would cost {$15.00}. The card states " funds to not expire, '' suggesting that I should have access to all my funds. Moreover, I discovered that they have been charging me a " Post-Expiration Monthly Account Management Fee '' of {$3.00} without alerting me of this since XXXX. This is highly predatory. As I understand it, according to the CFPB website, I am not allowed to be charged a fee ( Link : https : //www.consumerfinance.govXXXX ). Is what they 're doing illegal? Can you help me?
I wrote Transunion over a year ago telling them I agree with their investigation and to take accounts out of dispute. They did not and I now can not get a home loan
Due to the recent Equifax data breach from XXXX to XXXX of 2017 my personal information appears to have been stolen by an unauthorized person ( s ). I appreciate the work Equifax did to stop this breach and to notify those affected. However, I have no agreement with Equifax and upon allowing my personal credit information to be disseminated to possibly malicious individuals they have caused undue stress and possible financial disaster to myself and possibly more than 100 million others. 
After reaching out to see what they are doing about this situation I found that they are signing affected individuals up for a one-year membership for identity fraud insurance. 
This is unacceptable. I can not and will not accept responsibility in any time frame for their failure to protect my information. 
Thank you.
I took a loan from word Finance. I made several payment and could not continue paying it off. They filed a law suit against me to garnish my pay check. They have my address, they sent the paper at my work address. They served me while I am at work and it is against the company policy I have been placed on probation at work. I called the head office of Word Finance to talk to them. Spoke to XXXX she said will send me a paper to come with a payment and never send the paper and since I did not receive it I went to court. That is when I saw a lady saying I am here to file a garnishment to have their money back. She did not have any clue about the conversation I had with home office and no communication at all between their representative. The judge heard both of us and she could not answer any question. The judge told her to really be careful before they served someone paperwork. They judge did not like the idea they served me while I was at work. He told me I am leaving in XXXX county they will transfer my case to XXXX county. They charge the debt off my credit report as a bad debt and they want to garnish my check.
On XXXX XXXX, XXXX I opened a regular savings account with Bank of America. I asked what the minimum dollar amount was to avoid any fees. I was told it was {$300.00}. So I opened the account for {$300.00}. On XXXX/XXXX/XXXX, I received a statement with fees of {$5.00} each for XXXX, XXXX, XXXX, totaling {$15.00}. When I went to the bank on XXXX, I was told the reason I was charged fees was because the minimum for savings accounts increased from {$300.00} to {$500.00}. I never received a letter or email stating this. I closed my account and took the amount XXXX {$280.00} XXXX left after fees.
EMC MORTGAGE LLC was assigned this Mortgage XX/XX/XXXX. EMC MORTGAGE XXXX, Charter was forfeited on XX/XX/XXXX was reinstated on XX/XX/XXXX EMC MORTGAGE LLC was not AUTHORIZED to conduct business in the State of XXXX. EMC MORTGAGE LLC, Charter was forfeited for XXXX tax code violations. EMC MORTGAGE LLC, fraudulently conducted an illegal assignment of Mortgage on XX/XX/XXXX. Take further notice EMC MORTGAGE LLC is not Registered in XXXX or IN XXXX to conduct business.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EXPERIAN has been reporting incorrect information on my credit report for XXXX XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EXPERIAN regarding the XXXX XXXX account, which was received by the EXPERIAN on XX/XX/2018. On XX/XX/2018, EXPERIAN responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EXPERIAN that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EXPERIAN has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
In my review of my credit report XXXX XXXX is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
The company, XXXX or XXXXXXXX XXXX XXXX holds my mortgage. They forced Homeowner 's Insurance on my mortgage. I have supplied them with the documents over 5 times. They will not call me or provide a resolution. I have to call them in order to get a response. When I call them, they tell me we are processing your documents and will call you back. Again, they never call back and now I am stuck with a balloon payment of {$1900.00}
I have multiple issues on my Experian Credit report. We have sent 6+ letters asking them to correct issues. They claim that they have verified certain accounts as mine. I have asked for proof of method of verification and who they spoke to 4+ times. This is required under 15 US 1681 6 ( 3 ). The refuse to provide the information claiming my request is frivolous and they will not correct my report. I also have several items not reported and reported incorrectly. As a result I have been denied credit on several occasions
When I consolidated my loan with Nelnet, I was told I was on the correct standard repayment plan ( phone conversation ) to receive Public Service Loan forgiveness, however I was recently informed that after making 105 payments, I was on the incorrect " standard '' repayment plan since 2010. Each time I have talked to Nelnet, I informed them I was XXXX XXXX military and intended to use PSLF however was never advised that my payments were not qualifying.
The company cancelled credit protection on my account and I notified them of an unemployment claim submitted supporting documents and they fail to process my claim. Under the terms of the agreement I am still entitled to those benefits eventhoigh they no longer offer it as long as the incident took place while I was enrolled. I notified them of an unemployment XX/XX/XXXX for loss job XX/XX/XXXX. They purposely did n't process the claim die to the fact they no longer offer the benefit. I feel this is false advertising and fraudulent. They claim they have no record of me contacting them. I feel this is a scam to not be forced to pay on my unemployment claim.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XX/XX/XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
this is an issue of debt collection abuse this is against the lawXXXX XXXX has a pending case of debt collection abuse from cfpb
This company keeps calling and interrupting me at work, using profane language and not identify themselves besides breathing hard over the phone. I am scared that I might lose my job because I feel intimidated by their phone calls while I am at work and I am scared for my family and our livelihood.
Portfolio Recovery Associates has filed a suit against me and I ca n't afford a lawyer or to pay back the money I owe to Get XXXX they are threatening me with taking property from that I do n't have they call me XXXX months ago and I told them I will not be able to pay them back and they still threatened me
My original mortgage was with XXXX XXXX. In XX/XX/XXXXmy mortgage was sold to a new investor XXXX XXXX XXXX who uses Carrrington Mortagage Services to services their loans purchased. While my mortgage was with XXXX XXXX my house was damaged by Super Storm XXXX on XXXX XXXX, XXXX. I was paid insurance funds from XXXX XXXX XXXX XXXX. My house was fixed and XXXX XXXX who was in control of the monies sent an adjuster out to see what if any repairs were still needed before releasing the remainder of funds. The adjuster came and I was 95 % complete and XXXX XXXX released the funds and closed the claim. In XXXX I was approached by a law firm that they were opening up some of the Storm XXXX cases because FEMA did not payout the correct dollars. My case went to litigation and I won. I was issued a check in XX/XX/XXXX made out to myself and the mortgagee Carrington Mortgage Services as mortgagee. My attorney sent the check to be endorsed to Carrington. Carrington in return did not endorse it and sent it back to me and was treating as a brand new claim. I called them and explained the situation. They had no idea about the re-opening of claims with FEMA. I sent them the adjuster 's one page two line report stating the work had been completed in XXXX. Then they wanted more documents for which I complied. It is now two months after the fact and they still will not let me know if they are going to endorse my check. In the summer I had lost my job and got behind in my mortgage, part of the proceeds from this check I want to use to catch up on my mortgage. Every time I call or my attorney call we get the run around. The last person I spoke with is a XXXX XXXX who is supposed to be an attorney, his number is XXXX. I am working now, as a loan supervisor in a loan servicing department, and I would never do what they are doing to me to a borrower. This started the beginning of XXXX and is still on going. I even told the investor to send someone to do a home inspection, I have nothing to hide, they were going to do it and then Carrington stopped them. This is so unfair to me as a consume and I believe at some point goes against principles in general. Please help me, I do not know where else to turn anymore.
XXXX is reporting inaccurate information on my credit file. I submitted a dispute to Experian and XXXX with regards to this matter and they are still reporting inaccurate information to my credit bureaus. I do not have any obligation to pay this company. I have requested proof of this debt from this company XXXX. As of this date. I still have not received any proof that this account belong to me. I have disputed this matter over and over with Experian and XXXX and they have not deleted this inaccurate reporting from my credit file. I am asking you for assistance in getting this matter resolved.
I am a co-signer of a loan for my son. He is paying the normal monthly payments and I am making extra payments towards the principal. I have requested that they apply XXXX % of the extra payment to principal only and if they can not agree to that, to return my check. They applied my first payment of XXXX correctly but the second payment of XXXX on XXXX/XXXX/15 they took XXXX and applied it to interest ( even though my son 's payments are current ). I faxed them an inquiry on XXXX/XXXX/15, no response. On XXXX/XXXX/15 I emailed them through their own website requesting they reverse the XXXX and put it onto principal. To date, they have not responded.
I made a payment to navy federal credit union for my monthly credit card payment on XX/XX/XXXX the due date was XX/XX/XXXX By Tuesday XX/XX/XXXX it hadnt shown up as paid and there wasnt anything saying it was paid online. Because of late fees and businesses eagerness in reporting late payments to the credit bureau I went online and checked and was going to pay it if it wasnt paid, but decided not to so I didnt hit submit, I hit the done key and called navy federal. I was told they didnt see a payment and couldnt determine if it was paid. It was Tuesday and even if Monday is a holiday the payments and other activities are updated by all banks by then. Then on Wednesday XX/XX/XXXX. Two payments were taken from my checking account. This isnt the first time they have taken two payments by mistake and last time the refusal to pay fees associated with this. I filled a complaint with the cfpb and the asked for an extension and wrote back at the end of the extension with untruths. This time the raised my minimum due amount against the rules to cover the second payment which my bank got back from them. I called and was assured it would be changed to the correct minimum payment but it wasnt.
I have a credit card with Chase. I believe their interest rate charging practices are unfair and deceptive. I had a statement balance of {$1300.00} with a due date of XXXX/XXXX/15. I made an online payment of {$1000.00} on XXXX/XXXX/15. I could not make a XXXX payment of {$310.00} until the next day because their online system only permits XXXX payment per day. I was charged interest of 12.24 % on a balance of {$1300.00} when only {$310.00} was XXXX day late. I was told by their unhelpful representatives that the interest is charged on not the balance overdue but also charges incurred during the cycle that have not yet come due. I believe this is unfair and deceptive.
I had a qvc credit card XX/XX/XXXX. I made a purchase for a samsung galaxy tablet and made monthly payments on it. I paid this tablet off in full. I contacted qvc last year because I received a letter stating that my account was overdue. I immediately contacted qvc and was told I was to make the payments to my Qcard not directly to qvc. I have a major discrepency with them because now they have placed me in collections with XXXX. I called Vital solutions this morning XXXX/XXXX/XXXX and was told the bank will settle and close the account with me for {$250.00}. I explained that I am not agreeing to this as to why should I have to pay again? Regardless if the payments went to the Qcard or qvc either way this company has been paid in full. To my understanding today qvc was bought out by crown assets. I have tried contacting crown assets but no success. This balance that is in collection is from interest/late payments/fee 's. I should not be responsible for all these fee 's as this account was paid in full and paid each month on time till it was paid off. I am submitting this complaint because they are affecting my credit score and credit report with this information.
On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of XXXX XXXX XXXX. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and XXXX, Navient persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, Navient has committed violations of the Fair Credit Reporting Act.
The company claims i owed them and i have no knowledge of what they are talking about and they say this matter is fro m 2010 i  am being a victim of stolen identity and i need them provided me with documents witch they should have staying that is me my signature and photo copy 's of documentation