WillisBack/dataset-financial-user-claim huggingface dataset:
I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF XXXX  XXXX XXXX I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY XXXX XXXX FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO XXXX XXXX, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...
Fidelity Creditor Services is the debt collector for the doctors at XXXX XXXX in XXXX XXXX. My insurance, XXXX XXXX, paid my medical bills in XXXX and XXXX and then took back the payments. I kept disputing the charges but to no avail. XXXX turned my account over to Fidelity for collection. Fidelity added alot of interest to the original balance and then Fidelity reported the XXXX account as XXXX derogatory accounts on my credit report- XXXX for each visit or procedure I got in XXXX or XXXX that XXXX XXXX took back their payment for. Even visits to the same doctor were reported as separate accounts. I have complained in writing and in person to XXXX XXXX and to Fidelity but they wo n't do anything about it. They said if I paid it, they would remove it but instead it is still there, XXXX derogatory accounts but the balance is noted as XXXX on each visit or procedure that is paid. This has harmed my life for years now. My credit score is horrible. This ca n't be legal. It would be like XXXX creating multiple derogatory accounts for each purchase made with the same XXXX credit card that became delinquent. Please help!
my ex-husband is responsible for the refinancing of all past due and all outstanding payments of mortgage as per divorce documents
I have a mortgage with Nation Star XXXX XXXX XXXX XXXX loan is XXXX old it was a 90 % purchase. Its a very hot real estate market in XXXX XXXX XXXX ID. Did my research and know what my house is worth which would put me close 70 % XXXX easy to qualify no PMI. I pick a re-value from a realitor. She came did it value came back {$22000.00} under purchase price from over 2 years ago. They did not send Xome valuation assessment until I ask for it once I got it immediately saw problem she listed it as a 2 bedroom vs a 4 bedroom ( appraisal from purchase has it listed as a 4 bedroom recorded as a 4 bedroom in county records ) Called Nation star told them of the mistake they said she a trained professional and I was wrong. I argued made my point said I would have to send all info I had to nationstar with all my facts and they would review. Have not heard or gotten anything in the mail from them very frustrating.
The company responded to the CFPB ( Consumer Financial Protection Bureau ) through complaint number XXXX with a letter dated XX/XX/, 2019, after the long scripted letter, they claim to have identified an " isolated process issue ''. It is claimed that they credited the closed account the {$2.00} overcharge mistake in which they made. Three days later this never happened. In fact, it is unbelievable that someone has to jump through so many hoops to have this shady company fix a rather minor issue. I invite the CFPB to do an audit, as I am most sure that I am not the only individual that this happens to, obviously, this shady company is banking on the notion that customers won't take the time or effort to fix the errors in which they make.
I have two collection accounts with XXXX XXXX on my XXXX. The original creditor is XXXX XXXX. These accounts are reporting as open. A collection agency can not report as an open account with past due. I disputed this several times with no resolution other than saying the debt is valid. They are breaking the law as they are NOT a lender and can not have an open trade line. 

Second, those same two accounts are being reported by XXXX XXXX on my Experian even though they sold the accounts to XXXX XXXX. Imdiaulyed this as well for reporting twice for the same credit line but again, it only comes back As verified.
To Whom I t May Concern My  Name is  XXXX   XXXX   XXXX  my complaint is wit h   XXXX   XXXX   XXXX   XXXX   is two parts, credit reporting to the  XXXX  bureaus, I filed  a Chapter  XXXX  in  XX/XX/XXXX . in doing so it was not aware that recommit my loan w ith    XXXX   XXXX   XXXX   XXXX    ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XX/XX/XXXX . we have never missed a mortgage payment. however, we filed for a home modification in   XX/XX/XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with    XXXX   XXXX  . we  were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XX/XX/XXXX . we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
On XXXX/XXXX/15 I deposited a {$5000.00} check into my checking account with US Bank on XXXX XXXX, XXXX California. I noticed that US Bank charged me with XXXX overdraft charges on XXXX/XXXX/15. My account balance was close to {$8000.00} on XXXX/XXXX/15. I have had several issues with this bank within the past 6 months and I am constantly fight with them to have them reverse these charges. I talked to the branch manager and he said it was not a bank error. he refunded XXXX overdraft charge and XXXX remains. I spoke with an assistant distric manager and she said that she had to support his decision. I disagree and want resolution to this issue. If I have money in the bank, why am I paying for overdraft fees??? The address is XXXX XXXX XXXX XXXX, XXXX ca. XXXX the contact # is : XXXX
I have complained about OCWEN home mortgage in the past. I recently received a mortgage payment increase notice from OCWEN which increases the payment from {$1900.00} to {$2100.00}. The statement is dated XXXX/XXXX/XX/XX/2015. There is no explanation other than " Further detail regarding the reason for this change will be included in a separate letter. '' I have not ( as of today - XXXX XXXX, XX/XX/2015 received a separate letter. In addition, OCWEN has not stopped our PMI payments despite the fact that we have brought our mortgage principal down from {$180000.00} to {$140000.00}. The original value of the home was {$190000.00}.
Aspen National Collections is used by certain Timeshare companies to collect annual dues. Our annual dues for XXXX XXXX is about {$1500.00}. The dues are normally due in XX/XX/XXXX, but we couldn't pay them until XX/XX/XXXX. We made a payment to XXXX in the first week of XX/XX/XXXX. AFTER we made the payment, we received a notice for over {$1800.00} from Aspen National Collections. The day I received it, I called them right away and told them that this was a mistake, that we had already paid the debt. They said it didn't matter. We still had to pay {$1800.00}. I told them that I was sorry but I already paid the debt and I'm not paying it twice. 

Today ( XX/XX/XXXX ) I received a collection notice from Aspen that we owe them {$280.00}, which includes {$6.00} in interest. This collection is for their " fees. '' The fact remains that we paid the debt we owed to the timeshare company and we paid it directly to the timeshare company. And they accepted the payment. Now Aspen is asking for " fees '', but they did not collect the debt. The timeshare company did. So how can they be owed a fee? The Creditor is listed as the timeshare resort. How can the timeshare resort be asking for more money if we have already paid them? 

I am making this complaint in an effort to stop this collection.
My complaint is in regards to Citi Mortgage. I missed a mortgage payment in XXXX XXXX. I was struggling at the time. I asked XXXX XXXX if I could have that missed payment deferred to the end of the loan. Citi Mortgages response was " That 's not an option with the type of loan you have ''. I have a VHA loan. I have not missed a mortgage payment since XXXX. I have paid my payments consecutively. I have bank statements as proof. My husband and I have both become XXXX several years later after purchasing the home. We both receive XXXX benefits. I have tried to talk with them and they beat around the bush about everything. They claimed my only option was to refinance for 30 more years. Which is absurd. I mean who would do that after paying so long on a home. The other option was loan modification. They sent a book of papers to fill out. I can never reach my assigned representative whom is XXXX XXXX. My chief compliant is they are misapplying my funds to so called late fees, inspection, and appraisal fees. Nobody has been in my home to appraise it. When I call to pay my mortgage payment each month, they ask what would I like the funds applied to and I say my regular monthly mortgage payment. Now I receive a statement saying I am four months behind on my mortgage. When I call to ask Citi Mortgage why my statement reflects this, they say " Oh that XXXX XXXX XXXX  XXXX dollars was applied to late fees, inspection fees, and appraisal fees. '' Nobody has been in my home to appraise it. They have very unprofessional agents drive up to your home and take pictures of the exterior of the home, your mailbox, vehicles, and you may even be in the picture. They say they do this to see if anyone is occupying the dwelling. I find this a weird practice. The agents are dressed in tattered clothing with no name badge to identify whom they are. This is very unprofessional and one time the man they sent out came to my door in tattered clothing and jiggled my door and I thought it was a burglar. I just received a XXXX XXXX dollars check from them due to them exercising improper practices. I feel Citi Mortgage is a fraudulent practice. I asked them to send my original tool to show me where I agreed to their terms. I did not sign papers with them. My original loan was through XXXX bank and they have dissolved. Citi Mortgage bought our loan. Is XXXX even legal? I have read it is n't. I want to get to the bottom of this. I feel Citi Mortgage is fraudulent and their practices are appalling. I have n't made a payment yet this month because I want to know why they are misaplpying my funds. They have sent me a foreclosure notice that within 14 days they will pursue foreclosure. I want to pay my payments and they be applied to my monthly regular payment.
I loaded {$420.00} cash to my rush card at XXXX XXXX on XXXX and I am still waiting almost 3 weeks later to see the money on my card. I have emailed and called customer service on several occasions but they still have n't resolved this issue. I even mailed the corporate office a letter with a copy on the original receipt from XXXX
US Bank is reporting three late payments stemming from XX/XX/XXXX until XX/XX/XXXX. During the time of the occurrences, I was unemployed and should have maintained a deferred status for the late payments but rather my credit score has taken a hit. I have contacted US Bank multiple times in reference to the matter, disputed the occurrences, emailed the CEO to no avail in helping correct the matter. My credit score is being affected. I have had this secured card for 2 1/2 years, since XX/XX/XXXX, outside of the 3 payments which should have been deferred, I have never missed any payments. I would like to have US Bank correct this error.
I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX /  XXXX  .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They continue to tell me that the account shows as closed and noted my ba nkruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) states di fferently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.
I was told I was only giving permission for Check into Cash to ACH upon my request. I was verbally assured they would not ACH without permission. I am requesting to withdraw my permission for them to ACH my payment and they refuse to tell me how to do so. They also debited my acct prior to my due date and stated that was the policy. I have no issue paying what is due but they are not following what I believe they stated their procedures were. They amount they debited has also increased without informing me. Their rep states she calls multiple times, day after day without any response from me so she is forced to debit my acct. This is also untrue. I made them very aware of my work hours and that I am unable to answer at those times and I always call back as soon as possible. She states that is what prompts her to ACH debit my acct when in actuallity she only contacted my once the morning my payment was due and did not leave a message. She has not called back until 4 days later after the payment was debited. When I returned her call today she stated she called to " make sure '' it was ok they debited my acct. They ACH was sent through on XX/XX/2017. She called on XX/XX/2017 and left no message. She did not contact me again until today and I returned the call promptly after work hours. The debit was NOT done because lack of communication as she states. It was done prior to the due date and prior to any contact from their office.
Dillard 's Wells Fargo, closed my account and reported to credit bureau closed unpaid. This is after I paid the account in full and communicated to them I was paying off by XX/XX/XXXX, which I was told this would be okay if not paid /payment caught up in 30 days they would close. I paid in 10 days in full. Now let me add they closed with no written warning either, with grace period of snail mail. Today XXXX. I received in the mail two letters and statement. Statement states not paid, 1st letter dated XX/XX/XXXX account is closed, letter XX/XX/XXXX if not paid by XX/XX/XXXX. account would be closed. The last letter is what was verbally communicated to me. So they do n't know what they are doing and did the opposite of what they told me. Also I paid it off and tried to use it last week to find out they closed it when I called to find out why this rude lady states to me you were delinquent and we closed it, anything else. I said why did you tell me I had until XX/XX/XXXX and closed it without notification and on the same day I paid you in full. She said I told you you were delinquent, I said why was I not notified, she said letter went to you same day we closed it. I said so no grace period, she said the letter was mailed. I hung up. This is poor business and its fraud. You are required by law to notify me of changes and give me 39 day warning
My complaint is against a EQUIFAX. I have a credit monitoring account, so I check 3 times a week. On XX/XX/XXXX my credit score was XXXX with XXXX revolving accounts with balances. I pay all of my bills on time ( more than the minimum payment amount ). My XXXX XXXX card was paid in full with {$0.00} balance on a {$8200.00} account. My credit score dropped from XXXX to XXXX. I contacted customer service via chat to no avail. No one could tell me how or why my score dropped. I believe equifax is unethical towards minorities and list credit scores lower than what it should be.
I had a checking acct for 3 years with b of a and had my paychecks direct deposited into this acct. This past year I helped my ex open an acct, and found out that i was co-owner of the acct. I went to the bank and tried to get my name off of this acct, when we broke up. they refused, since then my ex has been depositing bad checks and the bank took my money from my personal acct, and transfered it into this acct. the bank took all of my money.
I have been keeping a close eye on my credit report because I have been a victim of fraud. Equifax is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and employer XXXX . There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Equifax letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.
Today, XXXX/XXXX/16 I went on Ditech.com the company who services my loan to make a payment on line and received an error message on each attempt I made to make this payment on-line. The screen error is attached. I then called the XXXX number and was routed to the automatic payment by phone. I again was not able to make a payment by phone. At this point I was router to a customer service rep. the customer service rep. said she would process the payment and stated it would be a {$12.00} convenience fee. I said on the web it was {$10.00} and she then stated this is why it is not working on the web or on the automatic phone. At this point I had wasted XXXX minutes of my morning, I asked for the fee to be waived, she replied no. I asked to speak to a supervisor, they supervisor XXXX said she could not waive the fee either. I said fine I will pay the fee and I am filing a report with the CFPB, magically the fee was then waived. I am not sure if they broke any laws however it is making it difficult for consumers to make payments, based on the fact they offer an on-line payment and pat by phone and neither was working you would think out of common courtesy they would waive the fee until it was fixed, especially because the fees showing on the web and spoke on the phone are different from what they then tell you when you speak to a live person. Not to mention they also got statements out late which on their message when you call in and final XXXX out late as well.
XXXX ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA, CALLS IN VIOLATION TCPA also, my mother XXXX XXXX XXXX had the same problem, ss # XXXX
I have been corresponding via email with XXXX, the debt collection company since XXXX XXXX 2017. To date, Ive paid approximately {$8300.00} towards a debt that was originally approximately {$8000.00}. I initially requested a payment ledger showing all payments to date. I received the payment ledger on XXXX XXXX 2017,  about two weeks later. Since, that time, Ive been corresponding with an XXXX XXXX, about the supposed balance. <P/>XXXX. XXXX, after much prodding, told me I still owe over {$6000.00} on this account in interest and fees. Ive sent her two subsequent emails to date, requesting a thorough explanation and breakdown of the interest and fees, yet, Ive received nothing. Requesting a breakdown and thorough explanation of a balance of HOW the balance is over {$6000.00}. I am entitled to more than just a statement of what the balance is. I believe Ive fulfilled my obligations. Thanks.
On XXXX/XXXX/16, I called Wells Fargo and made a payment over the phone as I did not have time to set up auto pay at my bank. They took my Debit card info and I have confirmation # XXXX. The I set up auto pay for the payment to come out the XXXX of each month to make it to Wells Fargo by the XXXX Due Date. Mid XXXX I got calls morning, noon and night. I answered at home, and was told by this gentleman that my payment was due, I told him I had auto pay, he said well no payment has been received, and I got on my computer and to find out, for some reason the payment for XXXX did not go out, my bank did not know why either. So I tried to pay it, he refused to take my debit card! He said he would only take my bank routing # and account information from my checking account. I told him I do not have checks! I do n't use them and do n't have this information. Well he was not very helpful, and the calls continued. I have to work, and as I nurse, I work hard, and I called to complain, and I got someone and told them what happened and then the bank payment went through on the XXXX. So XXXX I was late by what, 11 days. Then moving forward, all my payments were EARLY! Then I kept getting charged late fees, then they charged some sort on Interest On Purcharses of which there are none! This was a roofing contract for a specific sum, for a 36 month, No Interest loan! They then cancelled the first card, initiated another one and I still kept up and paid early! I finally had enough, called again, tried speaking to multiple people to stop this insanity. Finally recently a person named XXXX, reversed several late fees, but they still added one right back right after this, I paid on XXXX XXXX and on XXXX XXXX, they charged me a Late Fee!! AND, still charging interest on something called " Interest on Purchases '', but there are none!!! What kind of insanity is this? This is so wrong, immoral, unprincipled, worst customer service ever, then ... .THEN, I get a notice that they had reported a Negative Report on my and my spouse 's Credit Report on all 3 Bureaus '!!! For being 2 months late!!! We are not late!!! We are not missing any payments!!! They will not listen, they will not reverse this, this is not acceptable. So today, I went to my bank, got a cash adavance and paid {$3200.00} on the {$3200.00} balance, and I am done! I do not and will not do any business with them every again!! This is the worst case of fraud, should be illegal activity and worst treatment of customers ever.
I need my bank info updated as soon as I make a transaction so my XXXX XXXX is up to date