WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I received a notice from my mortgage company, notifying me that my mortgage loan would be transferred to Nationstar Mortgage LLC effective XXXX XXXX, 2015. 
I called my home owners insurance right away to ensure they were aware of this transfer and I provided all the complete contact information, I was told they were already aware and had all the contact information. Nationstar failed to timely submit my insurance payment which caused my policy to be cancelled. ( the payment was due XXXX XXXX, 2015 ) I 've been without insurance coverage for over three months now and Nationstar refuses to take responsibility and resolve the issue. Nationstar is now threathning to purchase a more expensive insurance policy and claims that I should be responsible for the new fees including a new deposit and other penalties for having a lapse of coverage which was to no fault of my own. I have never paid late. 
I have placed several phone calls and left countless messages for Nationstar asking to speak with someone from their management team but they never return my calls and have been avoiding me. Nationstar recently sent me a letter stating that the prior loan administrator should have paid the policy. XXXX XXXX XXXX which is the previous loan administrator sent a complete list of every disbursement to Nationstar prior to the transfer of the loan and therefore Nationstar was aware that an insurance premium was not disbursed this year by the previous loan administrator which is the excuse that they are using. I am a single parent and can not afford to pay a new deposit on a new policy and most definetely can not afford the penalties imposed due to the lapse in coverage. Please help me. I never had any problems with my insurance payments or any issue until Nationstar came in the picture. They have absolutly no interest in assisting me or any customer. I 've found countless reports of these complaints on line for the very same thing with Nationstar. 

On XXXX XXXX, 2015 I received an urgent e-mail from my insurance agent advising me that due to some type of system glitch within Nationstar ( my lender servicing co. ), my insurance payment was never disbursed. I 've also since received notice from my agent that Nationstar failed to submit payment even after three notices were sent directly to Nationstar. According to my insurance agent, my policy has been cancelled due to non-payment from Nationstar and a new policy would need to be purchased. The purchase of a new policy would include additional fees and penalties. 

On XXXX XXXX, 2015 I responded to my insurance agent 's notice by engaging both my insurance agent and my loan servicing company Nationstar in a conference call. Nationstar acknowledged that indeed payment for my homeowner 's insurance was never disbursed. As a consumer, I am extremely dissatisfied with Nationstar 's service and feel betrayed and shortchanged. Currently, I have no insurance coverage on my property and I am at a loss for what I should do next. I need your assistance please
I have submitted a request to the credit reporting agency Equifax disputing the medical collection account and have made several calls to XXXX collections requesting they forward information on the debt they claim I owe since XXXX XXXX. I have not been successful on correcting the issue and resulting on negative effects on my credit report.
Performant Recovery calls my home and mobile phone repeatedly, harrassing me about a false debt. They claim they were contracted by the Department of Treasury to collect {$700000.00} in back taxes from me. None of which is true. My taxes are paid and up to date. I have never received documentation from anyone about this false debt.
Due to the Equifax data breach, I went on their website and tried to freeze my credit Then, I tried freezing my credit on Equifax 's website but it does n't work, the page shows an error message. When I called Equifax, the agents ( XXXX, reference ID XXXX and XXXX, who refused to provide her information and was rude ), were n't able to freeze my credit and refused to provide me the phone number for Equifax in order to do that.
On XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX to dispute a collection account on a credit report that I settled on XX/XX/XXXX. I wanted to know information on my account the person I spoke to told me she couldnt give me any information on the account because an outside law firm was handling it called XXXX XXXX. 
On XX/XX/XXXX at XXXX I called the law firm of XXXX XXXX and talked to XXXX XXXX transferred me to a different department and I spoke to XXXX XXXX Ext. XXXX she told me the account shows a XXXX balance and I asked her what do I about getting the account closed and settled because its showing I still have a balance of {$550.00}. Then she told me that theyre a law firm and XXXX XXXX XXXX, XXXX does the credit reporting and told me to call them back, but she did email me the receipt which shows a XXXX  balance and the account is resolved. 
Then on XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX again and spoke with XXXX  XXXX and the number XXXX. I asked her about my account and she told me I have to call XXXX XXXX that they have the debt. Then I replied I just got off the phone with the offices of XXXX XXXX ( and that kinda surprised her ) and they told me to call XXXX XXXX   XXXX, XXXX and I told her the offices of XXXX XXXX said theyre a law firm and doesnt report to the credit bureaus. Then XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns XXXX XXXX. Then I asked why cant I have any information on my account then. Then XXXX XXXX transfered me to someone else. 
Then I spoke to XXXX XXXX and her call back number is XXXX. I was basically told the same that they cant give me any information on the account I have to call The offices of XXXX XXXX. Then I told her well XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns The offices of XXXX XXXX then I was put on hold. 
Then I talked to office manager XXXX XXXX from the start she was very and defensive. She told me straight that they only report they only report what was paid and I told her that I settled it so it shouldnt show a balance and that is what is being reported to the credit bureaus. And she told me that Im the defendant and they are the plaintiff and they are not the credit bureaus. Then I said it doesnt make sense the credit reports says a collection account from XXXX XXXX XXXX, XXXX thats on the credit reports something is being reported wrong. Then she just told me she would go to the back and look into it and havent seen any changes or heard anything. 
And note that this wasnt the first time I called I called lots of time telling me they couldnt give me information and the time I refuse to just get blown off I was treated very rudely.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


MARINER FINANCE , LLC Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$140.00} Date Opened : XX/XX/2017 Balance : {$3100.00} Terms : High Balance : {$2400.00} Limit : Past Due : {$3100.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
I applied American Express Platinum card on XX/XX/2016. At that time, American Express gave me open account bonus which was 100k Membership Reward ( MR ) point after spending 3000 . I satisfied this requirement on XX/XX/2016 and American Express posted 100k point into my account ; however, at same time, American Express frozen all my MR points ; even the points that I earns in the previous purchasing. American Express told me that they needed to review my account to make sure that all purchases meet qualifying criteria. I understand this and they said it will take 6-8 weeks. BUT, I have already waiting 15 weeks!! I called them many times and American Express just asked me to wait. I have traveling plan in XX/XX/XXXX and I am urgent to use MR points. But, right now, I can not transfer any points from it, even my previous points. They cause extremely inconvenience to me.
there were fraud checks deposited into my bank acct ( Capital One ) and an ATM withdrawl of {$480.00} that Capital one bank is holding me responsible for. the ATM withdrawl was done in IL. I called and reported my card lost and the fraud on my acct. Capital one is holding me responsible for the {$480.00} withdrawl that I did not make. they are also ending our banking relationship saying I am a liability. how can I fight this? All my funds are on hold.
On or about XXXX 2016, I began receiving collection calls and letters regarding Chase credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuer to close the accounts. At the time I believed contacting Chase and telling them about this would end the collection attempts and that my credit report would be amended to reflect the identity theft occurrence. Chase has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Chase will be pursued if all negative information is not removed from my credit report.
I have been charged extremely high capitalized interest to loans in times of hardship and I believe the interest rate is extremely high. Please help me. I owe nearly twice the amount I borrowed even though I have paid for years. 
Thank you
Experian will not let me re-dispute inaccuracies on my credit file via the Experian website. 
a number of accounts are not mine and are lowering my credit score
My Discover Card has been used excessively over the past few years, especially in my husband 's business. However, he was only an authorized user, and I am the responsible party. I am now stuck with over a {$16000.00} debt I can not afford to pay. There is over {$3000.00} applied in just interest over the past two years. I can borrow money from my family in XXXX to settle this account, but all that I can borrow is {$4000.00}. I am a mother of XXXX children and its difficult to just pay my monthly bills, as my husband 's business is failing. Therefore, I am the only wage earner in the family. I respectfully request Discover Card to accept the {$4000.00} settlement amount and it will be paid within ten ( 10 ) business days.
Reverse Mortgage Solutions ( RMS ), XXXX TX/XXXX   NC Re : Hail damaged roof ( Colorado ) My reverse mortgage is handled by RMS. My homeowners insurance paid immediately for the replacement of my hail damaged roof. However, RMS cashed and withheld the insurance funds for 2 1/2 months and required a boatload of documentation, making it impossible for me to pay my roofers upon completion for the roof replacement, which was completed promptly in XX/XX/XXXX. I didn't receive final reimbursement for my insurance payout monies from RMS until XX/XX/XXXX, at which time RMS deducted {$170.00} from my insurance payout to cover their own inspection charge. My roof had already been inspected and approved by the City, but RMS would not release my already paid insurance funds until they double dipped me {$170.00} for their own inspection. 

When looking online, I was horrified to find many senior citizens have been delayed or denied reimbursement from RMS for their homeowner damages. I don't understand how this can be legal for a reverse mortgage company to cash and withhold legitimate insurance company payouts on senior citizens ' homes.
I recently pulled my credit report via transunion and noticed there were four inquiries on my account..however when I called the companies that inquired they stated credit was not pulled. I then learned that transunion had an inquiry issue that involved re-reporting of old inquiries. I believe that I am a victim of this inquiry issue. I called transunion but they refused to do anything about it. I am requesting these four inquiries be deleted from transunion as re reporting something already deleted without a notice of is a violation. And these inquiries are not accurate
Our account was bought by Flagstar Bank on XX/XX/2018. We have been informed of the process since XX/XX/2018 when XXXX XXXX inform us of the plan buy. We have received out debit cards a few weeks back. Last week we received out checks and only my husband 's name appeared on them. I call and to inform them of the error and was told I would have to wait until Monday XX/XX/XXXX to have it taken care of. I called and waited for 45 minutes to speak to a banker to be told there is nothing he can do, that it was what XXXX XXXX send over to them. He told me I would have to call XXXX to have them reissue the check with the correct name. I called the number and was told they were just the printing company and have no way to change the name on a checking account. I turned around and called Flagstar back and waited on hold for 40 minutes to be told that I would have to go into a branch office which is 250 miles away, Then was told there is nothing they can do. I feel this is ridiculous that they should make good on the check. I have not ask to be send to Flagstar in the first place. I am already out time to change all my ACH because of this whole mess. They need to replace the check with the proper names on them.
My husband is the primary on our JC Penney account but never uses it. We have had this account for 10 years in perfect standing. I use the credit for clothing for my school age son mostly. In XX/XX/XXXX or XX/XX/XXXX I discovered our credit limit had been lowered from {$400.00} to {$200.00} without notice because my credit monitoring agency informed me that this action adversely affected my fico score. Thus, in XX/XX/XXXX I paid off the balance & have not used the card since. Now I find out the account has been closed. Again, without warning or provocation. I called to find out why & was unsatisfied with the customer service. If my many years of faithful business is not valued and a paltry {$200.00} line of credit poses a risk to XXXX XXXX, I will NEVER shop at JC Penney again!
I recently received Experian credit report. The report indicates that I have a debt in collections. However, I have no knowledge about this debt nor do I know the name of the collection agency.
On the morning of XX/XX/XXXX I went shopping at a XXXX XXXX on XXXX and XXXX XXXX and XXXX XXXX XXXX, later that day Between XXXX I stopped at chase on XXXX XXXX XXXX to take out XXXX for my rent I got on the train after I got off on XXXX XXXX XXXX XXXX walked to XXXX to my mother house and at XXXX I received a chase text alert I replied no once I seen the message and immediately called chase bank to dispute the charges. At the advice of my sister After Work I went to the precinct by my house on XXXX they told they couldnt take my report because it didnt happen in that area, they referred me to another precinct who also sent me to a different precinct. I got in touch with the district attorney office and they referred me to the correct precinct where I filed a report. The detective a signed to the case wasnt any help and even told me a case like this is like baby sitting to him. The last I spoke with chase they said that during the times the money was being taken out I was also shopping in stores which is not true because I was at my moms house I told them the only stores I went into was XXXX XXXX   XXXX XXXX. I have spoken with 4 chase representatives and they have stated that the daily limit to withdraw at a atm machine is between 8-1000. I myself had to go to a teller to take my rent money out which was XXXX, so how can XXXX come out of a atm machine in such a bad area of XXXX? And why would chase only send me a text alert asking about 20 dollars when all together it was XXXX.
Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX  and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  what are these accounts. please help me this is ruining my life please.
I am writing to dispute the following information that your company provided to XXXX Credit Bureau, XXXX XXXX XXXX, XXXX, TX XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 
This item : " Credit Limit/Original Amount '' and " Recent Balance '' is inaccurate because it portrays to prospective creditors and to the scoring algorithm of XXXX that I have exceeded my credit limit by more than {$15000.00} which creates a negative impact on my score. I am requesting that Navient have the item ( s ) correct their reporting metric to reflect my Credit Limit/Original Amount equal to my Recent Balance to correct the information. This is consistent with the way my student loans with XXXX XXXX are reported and those are not having a negative impact on my score or raising a concern with potential lenders. 
Enclosed is a copy of my XXXX Credit Report with Navient and XXXX XXXX sections circled supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them correct the disputed item as soon as possible.
Ditech has acknowledged since XXXX 2016 that it has miss applied mortgage payments they received and cashed. I sent a letter in XXXX along with supported documents asking for the mortgage to be brought current, late fees removed and any negative credit rating. The company is still reporting my payment as late. Applying late fees and negative credit reporting. I have spoken to XXXX plus customer service representative since I started documenting in XXXX 2016, some who are supervisors and the matter is always acknowledge and apologized for along with a timeline for resolving the matter. ( 7days ) Ditech has sent me written in XXXX promising to resolve the issue. It 's now XXXX and Ditech continues to send demand letters for payments, report to credit agency and applied late fees.
Despite my formal notification to the collection agency on  X/X/2016    that the charges assessed me by   XXXX   were fraudulent and the evidence I submitted indicating that the utility company actually owed me money because of the many  XXXX  and late fees erroneously assessed to me either by or because of the utility company over the course of my 14 years as a customer,  XXXX  failed to forward the charges back to the creditor -- as required by Federal Law -- and went ahead with reporting the debt to the collection agencies.
Contacted Bank of America to get a 10-day payoff balance on my account. I was given the amount of {$7200.00}. B of A faxed this paperwork to my credit union and the payment was made. I then called B of A to close my credit card account and was told that I had a credit of {$100.00} and was asked how I wanted to receive that credit. I asked the rep if there was going to be any additional charges or fees on the account and was told no. I had them send me the refund amount and was told the account was closed with a {$0.00} balance due. I have now received a bill that I owe them an additional {$74.00} due to interest. I have contacted them to find out why I was not told about this at the time I closed the account otherwise I would have left the money in the account & that this should have been taken care of when the account was closed. They then failed to take care of this balance as a courtesy even though the rep on the phone completely agreed that there was no way I could have known there was going to be any additional balance to pay. I am refusing to pay this amount to B of A.
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from  XXXX   XXXX   XXXX  which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
I never received the bill from Barclaycard, and they assessed an interest rate of 26 % ( which I believe is anyway illegal and usurious ) I called and they said they can not waive the {$1300.00} interest
The inquires on my credit report are not mine. Last month, I asked if the inquires could be removed, because they were made by someone other than me. My name is ... XXXX XXXX. I live XXXX XXXX ... XXXX, il.XXXX
I received a copy of my credit report from all XXXX XXXX in XX/XX/XXXX. I noticed 2 collection accounts with Portofolo recovery associates that did not belong to me. I disputed both accounts in XXXX and received notices from Portfolio Recovery dated XX/XX/XXXX, stating that they would close and remove both accounts from my credit reports. The information was never closed nor removed from my credit reports. They are actively updating this information every month.
I have send XXXX different disputes to Experian Credit Bureau about inaccurate information on my credit report. I sent the disputes certified mail w/ return receipts. I included XXXX forms of ID with my current home address. Each time, Experian sent me a response letter that said they would n't honor the disputes, because the request was suspicions, then they would say that I did n't send ID documents, which I did send. Then I got another suspicious request response. When I called Experian on XXXX/XXXX/2015 I was told that a manager would call me back within XXXX hours to discuss this matter. I have not received a call back. They have seriously violated the Fair Credit Reporting Act and made it so I might not get the promotion at my job. 
The accounts reporting are XXXX, when I call XXXX, they tell me that they already sent requests to Experian to delete the information from my credit report. But Experian claims they do n't see the request.
I submitted a short sale packet ( complete including an offer of {$240000.00} ) and I was told the Private Investor refuses to review for loss mitigation options as they will not agree to accept a loss. I have been negotiating short sale for 7 years and have never for of a investor that will not participate, is this allowed? 

There is a foreclosure date set for XX/XX/2018 that we are trying to get postponed to allow for short sale consideration