WillisBack/dataset-financial-user-claim huggingface dataset:
In brief: 
(1) Dovenmuehle Mortgage, Inc. did not and does not credit my XX/XX/XXXX payment to my account.
(2) Dovenmuehle Mortgage officially started servicing the mortgage on XXXX XXXX, 2017.The payment in the amount of $XXXX was made to the previous servicing company, XXXX XXXX XXXX, c/o XXXX XXXX. It was due on XX/XX/17, paid on XX/XX/17, cleared by my bank on XX/XX/17. This payment was properly credited to my account and later verified by the XXXX. 

In more detail:
Until XX/XX/17, my mortgage was serviced by the XXXX XXXX XXXX, c/o XXXX XXXX. The servicing was transferred to Dovenmuehle Mortgage, Inc. effective XX/XX/17. I received a statement from them on XX/XX/17, before receiving any information about the loan servicing transfer, but such letters from the both companies did arrive later.

The statement listed double of the amount due as being due on XXXX XXXX (the normal monthly amount due is $XXXX). I made a normal monthly payment to Dovenmuehle Mortgage by check for my XX/XX/XXXX payment, it was received by them on XX/XX/17 and credited as my XX/XX/XXXX payment, so they still list me as being one month behind in my mortgage payments.

I have made a number of calls to Dovenmuehle Mortgage, from XX/XX/17 to this day (XX/XX/17). I have been made promises that they would investigate the matter, but no results followed, and no explanations were given. I also e-mailed confirmations of the XX/XX/XXXX payment from the XXXX website and from my bank, as requested by Dovenmuehle Mortgage, on XX/XX/17, but, once again, the matter has still not been resolved.

In particular, I was informed by the previous mortgage servicing company that they overnighted confirmation of my account information to Dovenmuehle Mortgage on XX/XX/17. Apparently, this information has not been processed or taken into the account by Dovenmuehle Mortgage. 

Moreover, according to the XXXX representative, the payoff amount given by them to Dovenmuehle Mortgage accounted for the XX/XX/XXXX payment. XXXX sent me a copy of the information. But the statements and the online account info from Dovenmuehle Mortgage have apparently been using a different (and greater) amount for their starting of servicing the loan on XX/XX/17. They use $XXXX instead of the correct amount of $XXXX. The difference corresponds to the payment that has not been credited by Dovenmuehle Mortgage.

The desired outcome of this case would be in crediting my XX/XX/XXXX payment, adjusting the principle of my mortgage, setting the next payment due date as XX/XX/XXXX (or as XX/XX/XXXX if the process is finished after I make my XX/XX/XXXX payment on XX/XX/17). 

Here is a partial list of the Dovenmuehle Mortgage representatives and supervisors that I have had talked to:
XXXX XXXX XXXX (XXXX)
XXXX (XXXX)
XXXX (XXXX)
XXXX, ext.XXXX
There were others before them, but I did not record this information during a number of my initial calls to Dovenmuehle Mortgage.
Equifax has willfully violated the Fair Credit Reporting Act ( FCRA ) by not conducting a proper re-investigation nor providing me with the proper documentation to validate that the state tax lien in the amount of {$2500.00} that is listed on my credit report is being reported accurately. 

My original correspondence dated XX/XX/2016 requested that Equifax validate this information with the XXXX County Recorder of Deeds and obtain any documentation that would prove this information was valid. Equifax response dated XX/XX/2016 indicated they verified the state tax lien and listed the address and phone number of the XXXX County Recorder of Deeds only. I followed up with a second correspondence dated XX/XX/2016 requesting from Equifax a full description of the steps they took to validate that the state tax lien was indeed being reported accurately. I specifically requested they provide the names, addresses, and telephone numbers of each person contacted at the XXXX County Recorder of Deeds office whom they alleged validated this lien. Once again, Equifax response dated XX/XX/2016 listed the same information from their previous correspondence listing the item was verified as before. 

On XX/XX/2016, I contacted the XXXX County Recorder of Deeds and spoke with XXXX to verify if the state tax lien Equifax was reporting was being accurately reported by their office. Not only did she inform that I do not have a state tax lien, but also that the XXXX County Recorder does not report liens to the credit bureaus nor verify the information reported by third-party research firms are accurate. I promptly sent a third correspondence dated XX/XX/2016 informing Equifax of their inaccurate reporting, negligent validation methods, and requested they remove this blatant inaccuracy from my credit report. Equifax responded on XX/XX/2016 stating the information was verified through a third-party vendor named XXXX. 

Please note that, as in XXXX ( XXXX XXXX ) XXXX Fed. XXXX ; and XXXX, the courts stated that verification can only be attained from a party with first-hand knowledge. A third-party vendor such as XXXX does not have first-hand knowledge and as such is considered hearsay and hearsay inadmissible and incompetent and does not constitute verification. 

As you have witnessed, Equifax has willfully and blatantly violated the Fair Credit Reporting Act ( FCRA ) on multiple occasions with regards to my request for them to validate the state tax lien they are inaccurately reporting on my credit report. They have been irresponsible in the way they have conducted the re-investigation and engaged in deceitful practices that the court have deemed inadmissible and incompetent.
At the time services were rendered I was notified by the nurse that I did not have a co-payment for urgent care services. After checking my insurance she indicated that she was unsure and if I was ok with at least paying {$50.00} to cover it just in case but that no other fees would be associated with this. I never received a letter or bill from the urgent care facility nor did I receive anything from the financial debt collector. I called and spoke to XXXX at Sequoia financial and asked why I was placed into collections he indicated what the debt was for but had no paperwork or any evidence to support the claim. I still have not received anything. We exchanged words and I told him how the admitting nurse told me the {$50.00} co-pay was supposed to cover my visit yet he still was not able to provide additional information. A month or 2 passes and I get a prank phone call to my house from the police station indicating that someone was being held up in my house at gun point being robbed and locked in a closet. This happened on XX/XX/XXXX. The police responded to my home and I could see and hear someone who sounded like XXXX across the street in a black SUV which indicates to me he made the false claim. The police were unable to trace the call back to the originator as it was a masked phone number made from a computer. Not sure why a collection employee would perform such acts however this is still on my report and all other credit agencies have removed it except for XXXX because Seqouia indicated it is a valid debt. I can not be held responsible for charges I did n't approve or tell them to bill me for. I paid my co-payment in full at the time services were rendered and then received an erroneous collection on my credit report.
I have disputed with diversified consultants regarding a debt that theyve purchased from XXXX that this is a debt not owed to me. I have requested for this debt to be validated, but I have yet to receive validation of debt from this company. It is the companys duty to validate any debt that is believed to be owned by a consumer.
I was investigating the possibility of obtaining a loan for home improvement through ( XXXX ) your site and after submitting an inquiry I received a rejection notice. It also appeared on my credit report. I was only looking for the possibility of obtaining a loan and did not request one. Can you assist me in removing it?
I contacted discover today at XXXX EST on XX/XX/2017 and  spoke with a credit analyst by the name XXXX, She informed me that the reason for my credit increase denial was due to too many recent inquiries on my credit report, which is not the case. There are no recent inquiries. I find this to be concerning as well as unethical.
Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX
I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt.
This is the bill that came in XX/XX/XXXX and it was from XX/XX/XXXX of a charge of {$580.00} I am on Medicare and mass health. The company put in the incorrect billing code in order to receive payment. They came back two years later with this that I contacted Medicare and they stated that I was not responsible to pay this bill. I contacted the company directly to tell them that Medicare stated that I was not responsible for the bill because they did not put in the correct billing code and was told from Medicare not to pay. Now they sent me over to a debt collector I have contacted the company several times and notified them that Medicare stated that I was not to be billed this amount. But they refuse to listen and theyre going against Medicares policy.
I believe I am a victim of identity theft. Every year that I try to get my free annual credit report it tells me that my data does n't match even though I have been using the same social security number all of my life. Its also keeping me from getting a past XXXX from one of my jobs.
Midland is reporting an open account XX/XX/XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XX/XX/XXXX. I was XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and Midland this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.
I 'd want to have an inquiry removed from my credit report resulting from identity theft. I contacted XXXX about the fraudulent account in XXXX 2016. They immediately closed the account and said that they would submit information to the credit bureaus removing any reporting on the account. They have not done so. When I submitted the information to Equifax in XXXX 2016, I was referred back to XXXX. I spoke with XXXX in XXXX 2016 and XXXX says it will take 90 days to have the bureau update the information. Seven months is quite long enough to wait. My credit has been affected by this entry and I want the information on the fraudulent account removed immediately. XXXX has not lived up to is responsibility to remove the information and even when presented with evidence that the account is not mine, Equifax refuses to remove the information.
XXXX XXXX XXXX has been calling family members and harassing them about a " PayPal '' credit debit they say I owe. I do n't have a PayPal account, I 've never had a PayPal account and I 've never had PayPal credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach PayPal to this complaint to inform them of the complaint. 

XXXX XXXX XXXX is not to contact me by phone again or make any attempts to reach me by phone again.
I originally purchase my home with a VA loan on XXXX XXXX, XXXX. At that time, my home was not in a Special Food Hazard Area ( SFHA ) as defined by the Federal Emergency Management Agency ( FEMA ). My mortgage company did not require me to purchase flood insurance. 

On XXXX/XXXX/XXXX I submitted a loan application to iFreedom Direct Corporation to refinance my home. 

The Loan Estimate that I received was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. The final Closing Disclosure was dated XXXX/XXXX/XXXX and makes no mention of flood insurance. They had a copy of my home owners insurance at that time and used my premium amount to determine the initial escrow amount. They knew well ahead of time that I did not have flood insurance. 

On XXXX/XXXX/XXXX I closed on the loan. At that time I was given a Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance ( " the notice '' ). This notice was just simply mixed in with all of the rest of my closing documents. 
Lenders are required to use the Standard Flood Hazard Determination Form ( SFHDF ) to determine the correct Flood Zone. 

First of all they determined an incorrect Flood Zone rating for my home. No portion of my home is located in a Special Flood Hazard Area ( SFHA ). Thus the provisions of the Flood Disaster Act of XXXX do not apply. I 've attached XXXX flood determinations to support this. 

The notice that I received contains the following statement : " Federal law allows a lender and borrower jointly to request the Administrator of FEMA to review the determination of whether the property securing the loan is located in a special flood hazard area. If you would like to make such a request, please contact us for further information. '' They would not however respond to any of my requests for assistance with this. 
The servicing of my loan was transferred to XXXX and now they are requiring me to purchase flood insurance.
My student loan is with Navient. They have, over the course of several months, applied all of the money I have sent them to interest only. The principle balance never goes down. When I contacted them about this, they informed me I was on a graduated repayment plan which would send all of my payments to interest only. I never requested this from them! They are parasites, leeching off of consumers. I requested that my payment plan be changed back. They have done so, and I will monitor it very closely from here on out.. This loan is for my attendance at XXXX XXXX XXXX XXXX XXXX ( a for profit school which also took advantage of me )
I've spent months and months on service for XXXX XXXX XXXX which is now Experian and a top supervisor at Experian XXXX XXXX, XXXX simply told my husband that this is only a product. It's not an accurate report and it's not reliable. My husband also verified incomplete information and contradicting reports from the product and the regular reports.
Hello, I consolidated all my loans ( Federal stafford, Graduate plus, etc ) back in XXXX Navient. Navient left out 7 loans from XXXX & XXXX from the consolidation and never offered to add this loans back into one consolidated loans even though they were eligible. Now when I am trying to apply for Public Service Loan Forgiveness program, I am being informed that not a single payment made for the last 7 years under the IBR will not count towards the forgiveness program. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.
I had an account with XXXX that was a pay per click ad words account and placed a credit card on file for them to charge XXXX per month for service before we even started the service i asked many questions about how the ad words system worked and was explained that they monitor the account and create seo words so it would drive more traffic to my website.I was told that they can track the IP addresses so to make sure that the competitor would not be submitting false clicks to drive up my account charges. After the first couple of months things were fine until i received a bill from my credit card company for XXXX from XXXX. I called XXXX and was told that i received XXXX click, s in 1 day. I told them that this was not correct and they needed to investigate this as this was not correct. They did nothing and insisted i pay the bill which i disputed with the credit card company which credited my card until they received a response to my dispute from XXXX.XXXX sent them thier policy, s and procedures but no proof that this was a ligitamite charge which the cridt card company reversed the charge and said the case was closed in thier favor. I Contacted the credit card company when i received their response and was told to re dispute the charge but in writing only which i did and never got any response from the credit card company other than the fact that they said i owe them which i said no i do n't and i explained i want the proof that i received the work i was being charged for because XXXX told me that they could research the IP addresses to see if they were duplicate and if they were they said i would not be liable for them which XXXX has yet to do and i do n't feel that this is correct. The credit card company is not addressing this instead has reported incorrectly to reporting agencies in correct information which is affecting my credit rating.
My monthly payments were applied late. Therefore the system marks it as not paid. After having this issue for several months and calling about it they said I needed to pay my bill 10 days prior. I might not have the money at that time to do so. Because of this they now say I 'm not entitled to have my loans at the locked-in interest rate which I 've had since 2006. So because their system is flawed I 'm penalized because I ca n't pay 10 days prior to the due date?
kent hollins XXXX is threatening my wages and my employeer for something that i have no idea what it is a gas station back in 2002 they are trying to get XXXX from me they are well beyond the statute of limitations XXXX
I made two purchases with mybestbuy credit card. I have been having difficulty making payments for several reasons : 1. I do not know when a payment is due.
2. I can not log on the website to view the balance of my credit card statement, see purchases I have made, or make payments. 

I have contacted BestBuy and resolved the issue of not being able to log onto the website. The same issue has returned again. I am now being charged a late fee due to the fact of not being able to make payments on time because of technical erros on their side.
XXXX refuses to remove incorrectly reported late payments from my account, despite the fact that the periods of late payment were placed in forbearance. I have tried to resolve this with them via phone on several occasions with no success. I then disputed the reporting with XXXX  & XXXX. 
XXXX removed the late payments in XX/XX/XXXX, and XXXX subsequently added them back on/around XX/XX/XXXX. This violates the following section of the FCRA : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

XXXX has yet to report back on my dispute, however, I would like these erroneous late payments to be removed so that I may move on. I have attached documentation from XXXX stating that the accounts were placed in forbearance during the reported late period.