WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX. I paid and mailed the {$51.00} charge on XX/XX/XXXX. Target delayed processing the payment until 1 day after the due date and then submitted a late charge. I have subsequently sent XXXX letters to XXXX different Target address. No one has responded to any of these letters ( see attached ). Note that I have perfect credit with unlimited charging available on my XXXX.
The last letter i recieved from XXXX XXXX XXXX stated that they were reviewing our case and would let us know of the decision in a few days. That was XX/XX/XXXX. Then i called to check statis of modification on XX/XX/XXXX and they stated they could no loner help us that they had transfered all of our documents to bayview loan servicing and cloaed our account .i resent all info to bayview account manager who told me through email that he had recieved the last of the documents which was proof of change in address and he would contact me within 14 days. Today i recieved a letter after calling XXXX XXXX with bayview and emailing him back with no response, stating to us our house wwould be sold on XX/XX/XXXX. Thats the response we recieved this is unfair we are losing our home because of these people and i wish someone would please review all my documents.
I continue to receive repeatedly phone calls all through the day from ( Walmart ) calls from different phone numbers such as XXXX XXXX XXXX also phone number XXXX
I wired {$3000.00} on XXXX XXXX to XXXX their website promises to reflect that money within 1 business day. I waited several days ( until XXXX XXXX ) to open a support ticket to find out why the money has not yet been deposited. Today the XXXX i still have no answer, i tried contacting Coinbase.com via phone, email support and XXXX and am not able to get ahold of anyone.
I need the following inquiries and bankruptcy deleted from Transunion credit report. Transunion customer service would not help and take care of the negative inquiries reporting to your credit report.
The inquiries are below: 
Creditor Name	    Inquiry Date	
 XXXX	   XX/XX/XXXX   
 XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
 XXXX	   XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	           XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX     XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX	     XX/XX/XXXX
XXXX	      XXXX
 XXXX    XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX   XX/XX/XXXX
 XXXX   XX/XX/XXXX
XXXX    XX/XX/XXXX
 XXXX   XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XXXX
 XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX

 Bankruptcy	XX/XX/XXXX	Discharged	$0
I 've been dealing with the collection agency XXXX @ XXXX. I was given a Settlement XXXX 2016, when given the settlement I advised the representative that I did n't have the funds for the {$180.00} settlement at the time. I then called them XXXX/XXXX/16 asking for a settlement to get the matter resolved by XXXX/XXXX/16 with help from my sister to resolve this matter. Per a XXXX, XXXX and XXXX with Adastra they advised me that they no longer have settlements avalible? I stronly disagree with them not choosing to allow me to settle the account when I 'm trying to get this cleared. I 'm a single mother with XXXX income trying to take care of my responsibility.
XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law 2 creditors can not collect on the same debt at the same time. 
-- -Also the debt is past the statute of limitations!! 
When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. 
They need to fix this. 
The next correspondence will be from my attorney ....
First merit only allows method of payment limited to those that do not have a checking account with them. In the beginning of the loan i opened a checking account which was closed due to i did not always use the account. I opened just so i had a way to make payments online. They offered a {$25.00} bonus check for opening a new account which i was not allowed to receive seeing that my account closed. Now i have to submit my payment by cash only i went in on XXXX to make a payment with {$440.00} for my payment of {$430.00}. The clerk misplaced or took {$200.00} of my payment making me late for the month payment. Advising the bank of the issue they proceeded to tell me that because of the way i look i am not trustworthy. To me this is not the proper way you treat customers and i have advised everyone to stay away from this bank. I feel like i was discriminated against due to the fact that i was a single girl that wears hoodies and jeans and not because i did not go into the bank with a suit on or dress.
The debt collector verbally agreed and submitted for removal in XX/XX/2015. As of this request they have not been removed by the credit reporting agencies. I have requested and received and have attached a copy of the removal request from the debt collector. The debt collector is XXXX XXXX XXXX and there are XXXX " Clients '' 1. XXXX XXXX XXXX XXXX. 2. XXXX XXXX XXXX 3. XXXX XXXX, XXXX
I purchased a house in 2005 for {$140000.00}. XXXX XXXX owned XXXX mortgages, XXXX for {$110000.00} and the other for {$29000.00}. A couple years later I applied for loan modification. I was told by XXXX XXXX representatives to discontinue making payments while they reviewed the application for remodifying the loan. The loan modification was approved and I began making payments under the modification. Several years later I received a call from XXXXfci saying I was behind in mortgage payments. They explained that unbeknownst to me XXXX XXXX sold them the XXXX mortgage. I questioned why they took years to contact me. No calls were made, no bills were sent and no notice was given me that the loan was serviced by another company. During that time late fees and interest had accrued. I do n't know the legalities but if I feel this is an unfair practice ands has implications on my credit which I am steadfastly trying to repair.
Over the past 5 years I have been making small, {$50.00} payments to Sears for a charged off credit card account. On XX/XX/XXXX I contacted Sears in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX, XXXX. ( XXXX ) On XX/XX/XXXX I contacted XXXX and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XX/XX/XXXX, I was told on three different occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? Please help.
The issue I have with the mortgage company is about PMI ( Private Mortgage Insurance. ) The loan is about ten years old, and I have been paying for PMI since the inception of the loan, and have made several attempts to cancel the PMI, but Provident Funding refused to cancel it. I have met every requirement that would allow this PMI to be canceled at least three years ago, and they keep coming up with all sorts of excuses not to cancel it. I have paid for two appraisals, and they still find a way to skew or devalue the value of the property so that they will not cancel the PMI. The original mortgage loan amount was {$300000.00}, and the current balance is {$230000.00} which means that the loan has been paid down by more than {$64000.00}. So far, I have paid more than 21 % of the original loan, and yet they refused to cancel it. When the loan was first issued, Provident Funding appraised the house for {$330000.00}. The last appraisal they did which I paid for was in XX/XX/XXXX, and their appraisal valued the home at {$260000.00}. What is funny about this appraisal was that housing market in XXXX and XXXX XXXX areas had fully recovered since XX/XX/XXXX, and the rate of recovery when their appraisal was done was between 85 % to 90 %. Based on the original assessment of {$330000.00}, and housing market having recovered close to 90 %, an honest appraisal would have valued the home close to {$290000.00}. However, that was not even my biggest concern, what got my very confused and depressed was that they completely ignored that the house received a substantial improvement which in my opinion would have valued the home in XX/XX/XXXX, at upwards of {$340000.00} based on what the value was in XX/XX/XXXX. See my attachment for more information regarding the renovations done to the property. Another thing that I was confused about is how I was told that the PMI would be canceled in XX/XX/XXXX, and when I called as I was told to do in XX/XX/XXXX, they changed their mind. They came up with this excuse that they did not know that the house they have a mortgage on was a two family home, and because of that, what I was told were the guidelines on PMI has changed. Funny, they appraised the property, took a lot of pictures, and they did not know that it was a two family home? Well, single or two family home, it does not matter to me, this is still my residence and has been for twenty plus years.
This creditor/collection agency is reporting a fraudulent account to the consumer reporting agencies on my consumer credit report.
On XXXX XXXX of 2017 an interior appraisal was completed by Bank of America. The market value for his property was set at {$470000.00}. we dispute the value for the following reasons : 1. Value was completed as a 2 family dwelling and this property is a 1.5 family dwelling as per the XXXX XXXX XXXX XXXX 2. The comparables used for the appraisal were properties fully renovated and the subject property presents major issues 3. property has MOLD 4. Property has a distressed foundation 5. Water damage 6. electrical and plumbing systems are outdated
I took a car loan through Santander Consumer USA and it has been downhill from that day. My vehicle has been repossessed TWICE. The second time was all because of a {$1.00} short pay, which was the customer service agents fault. I called in to make a payment and they gave me the incorrect amount, I paid and a few days later I went to leave for work and my car was not in my driveway. I have been charged OUTRAGEOUS fees ... I 'm talking thousands of dollars. Now, after making XXXX payments of {$360.00}, my loan balance has n't budged! It is still the same from the day I got the vehicle. I have paid over {$4000.00} and according to Santander, it 's all going towards interest and that I still have an interest balance of over {$1000.00}. How is this even legal?? Not to mention they call 1-2 times DAILY, when you 're past due ... which is incredibly excessive. When I have called to complain about my payments not going to my balance I get the same robotic response telling me this interest is accruing DAILY and that is why it is so large. So basically, Santander feeds on those with low credit scores and then robs them blind. This car can never be paid off, EVER, because Santander keeps it 's customers from paying off their loans. They are doing this so they can continue to make money off interest and they are so quick to repossess and I believe they do this to make even more money. Please help us unfortunate enough to get stuck under Santander!
My closing date for the Capital One credit card is allegedly the XXXX of the month. However, according to XXXX the last time my account was updated was XX/XX/. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full onXX/XX/XXXX. My account should have been updated by now, XX/XX/. I spoke to a supervisor, XXXX, who stated she could not or would not correct the problem.
Submitted a loan modification request for assistance via facsimile on XX/XX/XXXX and have been calling Ditech ever since. Everytime we call they put us on hold and say they are sending for review. Here is the following timeline : XX/XX/XXXX Spoke to XXXX ID # XXXX and he stated the underwriter is requesting the following documents : XXXX ( 4 pages ), XXXX, mortgage statements for other properties, and lease agreements. Faxed conditions to lender at XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and he stated the only thing the underwriter is requesting is the XXXX tax returns because the copy they have is missing some pages. I faxed conditions to lender at XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which stated as of XX/XX/XXXX notes the file is still pending review from the underwriter. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is in review with the underwriter and the Loss Mitigation Representative assigned to the file. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she stated the file is still in review with the underwriter but she was going to submit an escalation request to see why there has been no movement or no other docs requested. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX and she is actually the relationship manager assigned on this file. She stated the file officially went to the underwriter with all of the documents they needed on XX/XX/XXXX. She said they have been extremely backed up because of the last 3 natural disasters but they are finally catching up on files. 
XX/XX/XXXX Spoke with XXXX at Ditech advised me he needs mortgage statement and property tax for property XXXX and a current lease for property XXXX. Fax to send docs XXXX. 
XX/XX/XXXX Called lender and spoke to XXXX ID # XXXX and she stated the last update was on XX/XX/XXXX and the file is still in review with the underwriter. 
XX/XX/XXXX Called lender and spoke to XXXX ext. XXXX which kept me on hold for 30 minutes to then tell me the same thing as always. She tried to reach out to the underwriter to get an update but there was no update so she sent them an email and it's just the same back in forth every time we call! Will file CFPB complaint. As you can see this has been ongoing and the file has yet to be reviewed. Nor do we even have a written acknowledgement that they received the application for assistance or a letter from them advising any documents are missing.
Wells Fargo Mortgage Company ( Iowa ) has allowed my flood insurance to lapse ( they escrow for taxes and insurance for my property ) They admitted that it was their fault in a letter sent to me, and subsequently agreed to let me find my own coverage, although they had placed a XXXX forced policy. They further assured me that they would not charge me, and would adjust the amount once I got my own policy. They renaged on their word, and added {$400.00} to my monthly payment which is paid on XX/XX/XXXX and XX/XX/XXXX. 
Per an attorney, I should proceed with getting my own policy, which I did. They got the invoice and my signed application from the Insurance Agency, sent me a letter one day saying that the forced policy has been cancelled, then another letter stating that they place ANOTHER forced policy because the coverage is not enough. I asked the POINTED question, what is the dollar amount that is needed because the amount of my policy was based on the square footage of my home, and the NFIP requirements. I have received no response, and several contradicting answers from the calls that I have made. The new agency has requested that they fax them ( XXXX ) the dollar amount that they required. To date, the response has not been forwarded.. Wells Fargo has been very dishonest, and uncooperative in their interaction with me, and I might add CONDISENDING. Their intention is to direct business to their OWN insurance department at the expense of poor consumers like myself. I have been going through this with them for MONTHS. They will, and have been, doing EVERYTHING not to pay my policy. They got a phone number of XXXX XXXX to call, yet they called a number that is not yielding the appropriate results, which is to get the policy paid. I might pursue legal actions, but I am so frustrated, that I think this company needs to be reported to as many agencies as possible ; and be aware that this has been an ongoing practice with Wells Fargo.
Equifax is misreporting a rolling charge offXXXX ( Equifax ) # XXXX, for misreporting a rolling charge off
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.
Due to medical issues I have been experiencing with a XXXX XXXX XXXX, I mistakenly missed paying an {$8.00} balance on my XXXX XXXX XXXX card that is issued by Comenity Bank. I paid it as soon as I realized the oversight. I was charged an almost {$9.00} late fee which I feel is unreasonable and unfair and possibly a UDAAP violation to charge double the balance for a fee. I emailed several times and the reps took several days to get back to me and advised me to call in. This month, they have now charged me a late fee on a late fee so the balance has grown to over {$24.00}. I contacted XXXX XXXX XXXX by phone and today spoke with a supervisor who was only willing to credit {$14.00}. They acknowledge my great payment history since XX/XX/XXXX with one exception of a courtesy late fee credit extended in XX/XX/XXXX. I manage this account as well as all of my accounts with Comenity perfectly. I do not think this is a fair way to treat a customer and very greedy for them to continue to charge me fees on a balance that only consists of fees, especially when the balance is so small. This issue is not worth the time it has taken for me to try to find someone to be reasonable with me and yet Comenity refuses to make an exception for a great customer and continues to quote their policy to me. I will not be using this card any longer.
MEDCAH, collection agency serving  Hawaii  creditors, is trying to collect a  XXXX  dollar stating that I owe a   XXXX   XXXX   money. I have been to only one company for my   XXXX   and have statements that I paid them off.
email from my  XXXX  " Hi  XXXX  and  XXXX , You are all paid off from   XXXX   XXXX   XXXX   but I have no idea about the old company   XXXX   XXXX  .  XXXX  is in charge of those records so please contact them ASAP at  XXXX .   XXXX   if you have questions, please contact us ASAP.
 XXXX ,  XXXX  --   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX ,   XXXX   XXXX   Co-owner and Co-Founder of   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , HI  XXXX  Ph : (  XXXX  )  XXXX  Fax : (  XXXX  )   XXXX      XXXX   "
I opened an account with Wells Fargo under the agreement there would be a {$200.00} bonus after a period of 3 months. All requirements were met ( deposits/certain amount spent ) however when I just called the bank to question them why the money wasnt deposited they basically told me during that month there was no bonus? Huh? I opened this account because of the bonus! Just blown away by how deceitful and unhonest this new bank is. Not sure yet if Im going to close it. But its not looking to good so far.
I have disputed this money that they say I owe.each time I dispute this on my account the original dates change This has been on my account and have been sisputing since XX/XX/XXXX now since the last dispute they are showing the date of the year XX/XX/XXXX.I have also asked this to be verified with the a signed contract with my signature with all XXXX credit bureau which has not been presented. I want then to stop and remove from my credit report or provide a signed contract which I have never done with this company.Diversified Consultant in XXXX Fl
XXXX XXXX XXXX shows on my EXPERIAN credit report that we filed for a CHAPTER XXXX Bankruptcy and that {$1200.00} was written off. The account history states : Filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - THIS IS INCORRECT. 

When we advised XXXX XXXX Bank of the error in the Experian Credit Report they responded on a XXXX XXXX, XXXX letter that the ownership of this account had been transferred to XXXX XXXX and if I wanted more information on the account to contact XXXX. 

Several written attempts have been made to reach XXXX XXXX via correspondence. Phone calls have been met with a request to make payment on the account, despite the fact that the account has been satisfied via our XXXX Bankruptcy.
My mortgage Servicer is Nationstar mortgage. They have Notified me that they are Raising the rate on my mortgage and Increasing my payment almost {$200.00} per month. When I advised Nationstar that they had no authority to do this they claimed that they were the final decision makers on the terms and conditions of my mortgage. I asked Nationstar to give me the name of the person or company that Holds the Deed and Title to my property and to provide documentation from the Deed - Title Holder that Nationastar has an agreement to collect money and change the terms of the loan. Nationstar Mortgage Refused. I have no idea why Nationstar Mortgage is Refusing to provide information to the Homeowner despite multiple requests
From XX/XX/2018 till XX/XX/2018 from my Wells Fargo checking and saving accounts were withdrawn and made transactions in amount of {$7200.00} in XXXX. I have not withdrawn money and have not made those transactions. Plus, I have never given permission to withdraw money and make those transactions to someone else. Also, I live in the United State and have all legal documents to work here. I pay taxes and I am a decent man, but my legal status does not allow me to leave The United States of America. That is why I could not be outside of the country and spent money there. In the period of time when the money was withdrawn and transactions were made, I did not use my debit card and did not check my online banking account, and I had no idea about the withdraws of money and transactions. Wells Fargo Bank refused to refund stolen money on such grounds the bank actually accused me of a fraud which is a criminal offense. Please help me resolve this problem and get my money back. Thank you very much!
We paid off a truck loan on Tuesday, XX/XX/XXXX and it cleared our bank on the next day, Wednesday, XX/XX/XXXX. Huntington Bank said it would take 10 days to report the sale to the XXXX XXXX XXXX for release. I sold a car several years ago and all the business was done in one day. The money used to pay off the truck loan is from the buyer of the truck who is waiting on Huntington Bank to release the title. Since all this can be done electronically, it seems like 10 days is a long time.
I am told I will hear for bank of america and do not, in the numerous times I have been promised.
in XX/XX/2017 XXXX XXXX XXXX  reported a late payment with a o, XXXX, amount due. 
the previous month i had paid more then amount due which gave me a XXXX amount due for the month of XXXX. they reported me 30 days past due because i made no payment on XXXX on the XXXX balance. i haqve talked with XXXX XXXX and they have agreed to remove the past due report but have not do so yet. please remove this past due of XXXX report from my credit report so my credit report will improve and i am not penalized for paying this account ahead of time and not paying on a XXXX amount due.