WillisBack/dataset-financial-user-claim huggingface dataset:
I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.
HSBC Bank Nevada,  N.A.    Charter Number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Account Name HSBC BANK NEVADA  N.A.  RC Account #  XXXX  This company needs to remove any items related to my PERSON from ALL credit agencies. If not I will record a perfected security interest in this entity  for 3x the bo gus balance amount plus damages plus fees.
I C SXXXX COLLECTIONS # XXXX XXXX , MN XXXX XXXX Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$450.00} Date Updated : XX/XX/XXXX Original Amount : {$450.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due XXXX {$450.00} XXXX Pay Status XXXX In Collection XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR XXXX PLACED FOR COLLECTION XXXX Estimated month and year that this item will be removed : XX/XX/XXXX
I applied for a loan mod about 7 months ago and was denied. I have since paid all of my past due balances. They are now forcing an escrow account on my existing mortgage and trying to force me into another loan mod. I have no agreement other than my original mortgage.They have agreed that they are wrong but continue to harass me and push the new loan mod.
Wells Fargo Bank Lowered My Credit Limit On my Credit Card From XXXX. To now only XXXX. Limit Without Contacting Me directly by Telephone Another Issue Is that Wells Fargo Bank Is only Able To Update the XXXX XXXX For The Customers Every XXXX  Days. Wells Fargo Bank Should Update The XXXX XXXX XXXX Every XXXX Days What I 'm Basically Saying is that They are Not reporting or Viewing What 's Actually Current when The Customer Or Bank Views His or Her XXXX XXXX Since It Takes XXXX Days For Wells Fargo To Update The Customers XXXX XXXX This Has Caused My Limit To Drop Without My Consent From Wells Fargo Bank.
Shellpoint Mortgage continuously requests documents for a loan modification after they have been sent multiple times. This tactic has caused an unnecessary delay and ultimately led to my mortgage modification to be canceled due to, " you did not provide us with the documents requested ''.
I had a personal loan with Personal Finance Company opened on XXXX/XXXX/XXXX and refianced ( paid in full ) in XX/XX/XXXX. Multiple times, I have contacted Personal Finance Company to report the account information to the Credit Bureaus correctly and multiple times, they have continued to report incorrectly. 

The account was updated on XXXX/XXXX/XXXX ( 2 years and 4 months after it was closed ) and a 30 day late was marked for XX/XX/XXXX. This account was marked a 30 day late when it had been paid/closed/refienced in good standing 2 years and 2 months prior.
We have had a continual struggle with the Dovenmuehl Mortgage servicing department regarding every payment that is being made since the inception of this refinanced loan. They consistently call after my uncle has made every payment and out of confusion, sometimes he's been tricked into making multiple payments ( he has early onset XXXX ). I have sent the entity a certified mailing months ago to set up the uto payment, we have spoken to them twice about it on the phone, YET, the collections department continue to call and send early default mailings. Please do call me at XXXX for additional information. thi si XXXX outright Elder abuse and I WILL sue the pants off this company. I am a XXXX XXXX XXXX, and I hve over 30 years inj XXXX  and XXXX. 

Best regards, XXXX XXXX XXXX
Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and XXXX XXXX started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
XXXX XXXX is my loan provider. I have XXXX at 11.875 % rate. I have asked XXXX XXXX to provided me with a full amortization schedule to show how much i would pay every month in interest and principle for the life of my loans. They refuse to do that and refuse to give me the calculation they are using to determine my monthly payments. So for all i know they are charging me more than they should be while going unchecked. This company should not have the ability to charge such a high rate on government funds. They are my smallest loan amount but largest payment. I am barely keeping my head above water with all my debt and i can not do anything else to help my situation. Please help me.
In XX/XX/1997 I went online with Citibank, After their representative had been very rude and unhelpful to me over the telephone, I cancelled my card. 
I agree online that they would stop deducting money from my account and would reimburse me the amounts I had not authorized. {$150.00}. 
And that they would deduct {$50.00} from my checking account on the XX/XX/XXXX of the month. 
They had overcharged me in XX/XX/XXXX and in XX/XX/XXXX. 
I tried sorting it out on the web, but this time they stipulated that I had to speak to a representative. 
I tried very hard to speak with the Citibank representative, but as they had been in the past - they were totally unhelpful. 
XXXX XXXX XXXX
I had an account with XXXX for internet im on XXXX my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money
Signed up to open a checking account and saving account at BBVA Compass. I was signed up for a credit card as well, even when I specifically told them I did not want it. Now when I cancel it, it will effect my credit score. They sold me unsolicited merchandise against my direct and clearly stated request.
Had free checking and free savings accounts with direct deposit. With bank of America. First of last year changed policy to apply monthly fee. Letter I was sent said I was not affected because had account before this occurred and would not be charged. After noticing checking account going down, I called to find out more. Customer service said it was a mistake and I thought it was good. Next XXXX savings account went down, so I checked them. Service charge, I had not noticed for XXXX months. {$12.00} each for the XXXX months ( XXXX ) that the bank would not refund, could only refund for last month only. So closed all accounts and went to another bank. I thought really bad business practices for the consumer, but big money for bank!
XXXX XXXX XXXX has suspicious activity listed on my XXXX XXXX report which is keeping me from getting an account with them or any other bank I have asked them to remove it and called them on several occasions and wrote them they have no proof and I never did anything fraudulent I had identity theft my car was broken into
Hello, On XX/XX/XXXX, {$110.00} was debited from account twice. There where funds available in my account for these transactions to clear. However on XX/XX/XXXX, I received {$100.00} in over draw fees. I was told that posting items were redistributed which caused me additional fees. 

I was told that because of this, this is why I was charged. Debiting my account for the transaction and redistributing transactions is what to me appears if the bank is just trying to make an additionally {$100.00} in fees. What makes this even harder is there are 3 other accounts that belong to me where the funds were in. I also was told that only with Savings accounts does Chase debit the funds from the account to cover transactions. I spoke with XXXX who was a supervisor. 

Lastly, on XX/XX/XXXX, I was contacted by Chase because of a dispute with XXXX. The transaction was for {$54.00}, which was an error and the merchant only wanted to give me a fandago credit and I would still be charged a {$7.00}. I contacted Chase with this issue. Chase is now asking for proof that I was charged on another credit card. The issue is that was not my credit card, and the individual who the movie tickets were made with will not give me their credit card statements. Additionally, I contacted XXXX again, for a refund and was told that they will not issue anything because I informed them I would dispute the charges. I have been a loyal Chase customer for over 20 years and the relationship now has gotten bad.
In    2013  I considered taking a course at  XXXX   XXXX   College  online and was told the loan would be throu gh First Associates. I never took the course therefore I am not responsible for the loan ... .I spoke with First Associates and they stated that they had paid the school and I was responsible for the loan. A representative from First Associates called and wanted me to ver ify personal information as a victim of identity theft I did not feel comfortable doing so. The representative hung up and next thing I know the account was placed in collections.
I have been my sister 's legal guardian for over 5 years. She turned XXXX last week on XXXX XXXX, 1999. We tried to register her online with SocialSecurity.gov to receive her benefits ( because her mother is deceased, she gets benefits ). When we were asked security questions, we answered none of the above to all of them. She does not own a house, have a mortgage, a car or a credit card. She just turned XXXX and by law you can not obtain any form of credit until you 're XXXX. We received a message stating because she could pass the verification process and we answered the questions incorrectly, we could not register online. We went ahead to try to obtain a credit report via XXXX and the same thing happened. We are not stuck at a stand still. We ca n't obtain a copy of her credit report to dispute what is on there.
Equifax Information Services LLC XXXX XXXX XXXX, XXXX XXXX CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX FALSE INFORMATION ON CREDIT REPORT SEE ATTACH UCC 11 SEARCHES SHOWING TO NEITHER LIENS NOR ANY DEBT refuse to issue full credit report ON CREDIT FILE XXXX/XXXX/XXXX I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. 

1. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX $ XXXX-See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX COUNTY CLERK ID XXXX Date XXXX XXXX {$11000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX SUPRM CT ID XXXX Date XXXX XXXX {$32000.00} See UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date Apr XXXX over the 7 year period for reporting also See UCC 11 SEARCH herein Attach no liens filed NY XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XX/XX/XXXX {$26000.00} Federal tax lien filed. Please See UCC 11 SEARCH herein Attach no liens filed NY XXXX XXXX by XXXX XXXX Dated XXXX/XXXX/XXXX XXXX. ) XXXX XXXX CLERK ID XXXX Date XXXX XXXX {$93000.00} Federal Tax Lien filed but Search of UCC 11 SEARCH herein Attach no liens filed XXXX XXXX Sign by XXXX XXXX Dated XXXX/XXXX/XXXX As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Sign under penalty and pains of perjury 28 USC Section 1746 ( 1 ) ( 1 ) If executed without the United States : " I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Dated XXXX/XXXX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX TRUST CONTRACT XXXX clear violation of the FDCPA act. You are within your rights to sue them for damages in small claims court for these violations.Intend to file a basis of Lawsuit
Some creditor is reporting an inaccurate address/information. I disputed the inaccurate information & it was removed but my credit monitoring reported a new address and the entry is back. 

XXXX XXXX XXXX XXXX XXXX, XXXX be removed indefinitely as I do not live there. Also I want to know who/why this is being reported as my current address so I can investigate any potential fraud resulting from it.
My loan agent should have processed my paperwork and put urgency on the lenders to approve all my paperwork. Throughout my Escrow process, she would not pick up her phone, return my emails, or return my text messages. When I could talk to her, she assured me everything was smooth sailing and I would get approved in time for Escrow to finish in time. However, as the day got closer and closer, I still had heard nothing and then I would receive more questions from the lenders. She told me that if I anwered these questions, it should be fine. But then several days later, I was asked repetitive questions. 

After my escrow date had already passed, I asked her once and for all if there were any questions and she referred me to her processor. 

I spoke to the processor, and he said he could prioritize and get it done quicker. I asked if I should have communicated with him directly and he told me " yes, it would have made things quicker and easier, but the loan agent told me I could only go through her. " I feel like she did n't put any urgency, and I was then forced to answer the same questions and it delayed my escrow by 20 days. I was forced to sign a per diem of {$150.00}. 

I have since asked her for a MILESTONE report. I have been waiting over 5 weeks now for it in which she claimed she requested it.
There not giving me my score to XXXX, cause they had discriminated me about my credit report and my score. Still ignoring me about it. XXXX, XXXX XXXX. Since now XX/XX/2018 still not improving my score. I guess court time
The issue is that I did not receive proper documentation. I had no idea that this bill had gone to collections until I logged into XXXX and looked at my score drop from the XXXX to below. I never even recieved this bill before it went to collections. Once I found out what the bill was for, I paid it immediately online. It has been removed from my XXXX report/score but not my XXXX. My Fico credit score has dropped significantly because of this and I would like it removed.
My family and I had a Family Plan with XXXX. In XXXX of 2016, my brother and sister called XXXX to terminate the plan and disconnect all phones including a home phone for all of my family members. After 20 plus years we moved to XXXX XXXX XXXX. XXXX terminated my dad 's and my brother 's account in XXXX but left the lines open for my sister and me. Again, we called and asked for the phones to be disconnected in XXXX. Their response was it will close out on XXXX XXXX without further charges. Finally, my sister 's phone was disconnected. My phone was not disconnected so I called in XXXX and they said that it would be disconnected on the XXXX. I paid the remaining balance and I was told that would be it. It did not end, I called back in XXXX and the charges kept piling up for a phone I had not used since XXXX 2016. On XXXX XXXX, I called and asked what is the remaining balance to clear our account? The XXXX representative told me the total was {$97.00}. I paid the {$97.00} and was assured the remaining balance was {$0.00} and that the phone would be disconnected on XXXX XXXX with no further charges.The plan for the last number was finally disconnected on XXXX XXXX. However, XXXX kept accumulating the charges. I called once again in XXXX and explained to the representative what had happened since XXXX and he told me you have to pay up which I did not. XXXX then sent the account which is under my brother 's name to a collecting agency. 

I must also inform you that on XXXX separate occasions the XXXX representative agreed that there was no phone usage and we would not be continued to be charged. She mentioned to me it 's a glitch in our system but it should be taken care of soon. Unfortunately, it was n't and the charges kept piling up. Now, they tell me the current balance is {$140.00}. 

I can no longer access the statements or usage from the Family Plan because my account is past due according to them. I have attached pertinent information that will provide evidence to my situation.
Yesterday, I checked my credit score with Experian and noticed a company, XXXX XXXX XXXX, had been added. I confirmed that it had been added to all XXXX reporting agencies. I am assuming this has to do with payday loans I have had in the past. I can confirm that every XXXX of those loans were paid back in full. 
My credit score has taken a tumble because of this and I need this company to remove their inquiry from my report as soon as possible.
I have a mortgage held by M & T Bank XXXX XXXX, N.Y. The loan is FHA. I 've been making payments for 5 years - not a single late payment. Due to an increase in home values in California over the last five years, my LTV is now much less than the 76 % threshold needed to cancel private mortgage insurance. M & T says it wo n't accept an appraisal to verify the current home value and therefore wo n't cancel PMI until the outstanding loan reaches the 76 % ratio solely through principal reductions to the original loan balance This is absurd, given that I could refinance ( but do n't want to ) and a new loan would be based on the home 's appraised value. This practice seems patently unfair. If however, this is law, as they state, then the law needs changing.
unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached
Collusion in over draft payment By Bank of America and FHA loan case # XXXX, XXXX checking plus violation along with United States Treasury checks or direct account, XXXX XXXX XXXX  credit card manipulation and ach transaction, XXXX XXXX over draft collusion and manipulation, XXXX XXXX XXXX bank failure in Federal Truth In lending disclosure act et. al. and illegal securitization of intellectual property rights and more. Including XXXX XXXX XXXX!
AES is reporting 120 days late remarks on my credit report for XXXX accounts AES/XXXX and AES/XXXX. I completed a student loan rehabilitation program years ago and paid loans on time monthly as soon as I became employed ( I lost my job and defaulted on loans prior to rehabilitation ) in any event i was told after XXXX mos of on time that loan would be out of default and derogatory lates will not be reported and I made actually more than XXXX months because AES was paid in full as I consolidated with myfedloan servicing because I 'm now a fed employee. The accounts are still reporting derogatory 120 days late yet AES /pheaa is showin current closed and paid AES/XXXX and AES/XXXX accounts need to stop reporting old late payments as promised and they defaulted before statute of limitations and should be removed from repeats
Enhanced Recovery is attempting to collect upon a fraudulent debt and listing the account illegally on my credit reports. They received correspondence from me via certified mail XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. They have refused to reply with validation and have broken 209 CMR 18.17 in that they are illegally reporting under their own name to the bureaus. 
This account needs to be immediately removed from my credit reports.
There is a $ XXXX {$920.00} XXXX XXXX Alabama charge originating in 2014 on my report. My account with XXXX has been cleared, I discussed and confirmed with them today at XXXX. This is fraud, and the Credit Mamagement ( their spelling on my credit report ) Company has been flagged and reported as a fraudulent debt collector. I do n't have any supporting documents because a legitimate account for this dispute has never existed.
Seterus did my yearly Escrow Analysis on my mortgage on XXXX/XXXX/15 and am entitled to a refund of {$1000.00}. According to the Statement I received that refund was to be sent to me within 30 days. I have contacted them 3 times about the status of my refund and they lie to me, giving a specific week that they never meet and giving excuses. This is my money and they have no right to hold on to it. There must be some kind of law that they are breaking and I feel that they should be punished.
On or around XXXX XXXX, 2016 Westlake Financial pulled my XXXX consumer credit file. I did not authorize Westlake Financial to pull my credit on behalf of XXXX XXXX
XXXX hospital sent my bill ( {$570.00} ) to " Health care collections '' in XXXX, Az. " Health care collections '' sent me a pile of letters stating I owe them. I called the XXXX hospital and asked why they sent my hospital bills to a collection agency. The hospital said their was no problem with my bill, and that the monthly payments were in good standings. So I asked if I could pay the hospital my bill in full and they said " Yes ''. Which is what I did, then I sent " Health care collections '' their bills back. But every since I did this " Health care collections '' started calling me at least daily, Then weekly. When I finally after many call from them picked up the phone to talk to them they hung up. This has been going on now since XX/XX/XXXX. 
I did call " Health care collections '' directly and complained about their tactics calling on me, but this rude guy told me I had better get my facts straight! I refuse to answer these calls, but enough is enough!