WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX we took out a loan # XXXX with GMAC mortgage for {$300000.00}. On XX/XX/XXXX with did a refinance with GMAC Mortgage loan # XXXX. On the enclosed HUD statement a payment of # XXXX was made to " Internal Payoff to GMAC Mortgage ''. However per letter dated XX/XX/XXXX when they did the lien search it had not been placed on the property therefore they did not execute a release of Lien. However after that a lien was placed on the first loan that had already been paid off. The was recorder on XXXX XXXX page XXXX for the amount of {$300000.00}. This should have never been put on since it was paid off on XX/XX/XXXX as stated in the letter from GMAC. 
We are trying to get a loan and are unable to since the lien is still on our property. Since GMAC mortgage no longer exists I tried calling XXXX. They would not help me and gave me Ocwen contact. I called Ocwen and they also would not help me as they only have information on the Active loans. 
In addition the title company that serviced the refinance is no longer in business. We need help on who has the GMAC documents and can help provide us the release of lien that was paid off.
I called Mr. Cooper in late XX/XX/XXXX to request a 2 month deferred payment arrangement as I had missed XXXX and XXXX payment due dates. I was told I was approved for the deferment and made a payment on XX/XX/XXXX. The bank cancelled the deferment and is now telling me that the customer service representative asked if I was able to make a payment this month and since i XXXX have responded affirmatively that I was in default of the terms of deferment. This is not fair as we had been discussing a 2 month deferment which means I would not of had to make a payment until XXXX, which is when I did. The Mr. Cooper representative should not have asked if I could make a payment in XXXX when I was requesting a 2 month deferment.
I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company XXXX, XXXX XXXX was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, Midland was included on the bankruptcy petition, and notified. XXXX XXXX XXXX was also notified of this action. The bankruptcy was discharged on  XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt and what do I do? The clerks office told me to contact XXXX XXXX XXXX XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ XXXX XXXX XXXX. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.
Bankruptcy DISMSD/CLSD CHXXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... 

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from National Credit Systems demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.
I sent a certified letter in the mail at the end of XX/XX/XXXXupdating my one name and my one address onto my credit report, which has not been updated. I also disputed online, but when I try to check the status of my results one of the questions I am getting to verify my identity is asking me about a mortgage loan that was taken out in XX/XX/XXXX of XX/XX/XXXX. I have NEVER EVER applied for a mortage loan so I of course hit none/non applicable, ensuring the rest of my answers to the verification questions are correct, but I am still unable to log in or view my recent dispute results, based off of that question. Im confused because there is not a lot of credit related things listed on my Equifax credit report yet Equifax  is the only bureau I cant access through their website. I call and Im waiting for umpteen and a half hours to try to speak to a representative.
From XXXX on my trans union report in the amount of {$1100.00}. Original day was XX/XX/XXXX and I disputed on XX/XX/XXXX. They did not remove it from my report, however, they did remove one from XXXX on XX/XX/XXXX in the amount of {$2100.00}. 

This is a gross error.
My Macy 's American Express account was taken and used fraudulently. An identity thief called the Amex/Citi customer service line, changed the address of my account XX/XX/2015 and used the card fraudulently. Amex/Citi allowed the thief to compromise my information, changed the information, and then provided them with a new card and mailed it to the fraudulent address. I noticed I had not received the Macy 's statement and called in to report it. I have been unsuccessful after several calls to Amex/citi in having them provide me with a history of the fraudulent activity. I have been at this for a few weeks and I have not been provided the information so that I can submit an affidavit of of fraud with them. My credit scores have deteriorated and Amex/citi who allowed for my information to be compromised has been uncooperative in having this resolved.
As described in Wells Fargo ( WF ) web site, as a customer I can see the statement for 9 years back, and other services that are important to me. However when I tried to see XXXX checks ( XXXX, XXXX, XXXX ) emitted in XXXX XXXX I was told that the rule of nine calendar years does not apply to the whole calendar year as long as the bank uses a rolling calendar. So, because my request was done in XXXX XXXX the checks are not any more kept. Thus, the information from WF web site is overstated and misleading ; in other words they do not disclose what exactly and how the bank does its business. I do understand that : i ) is not for me to decide how the bank does its business, but it is my right to be clearly informed what I can do in relation with my statements and ii ) is the bank responsibility not to mislead the customers.
I have been banking for several years with Regions Bank XXXX XXXX XXXX FL XXXX. 
They have an unfair practice of deleting the largest withdrawal first from our account and then the smaller ones. So If you have XXXX large and XXXX small ones what happens if our funds are border line the larger one will be cleared and most of the smaller ones will not be cleared and then we are charged {$36.00} per t transaction!! If the smaller ones are cleared first there is a good chance that there may only XXXX {$36.00} NSF rather than XXXX. This has put a serious burden on us. 
We do live from paycheck to paycheck and try very hard to have sufficient funds available but with this unfair practice they are ripping their customers How many banks follow this practice and is it legal? 
off big time. This has gone on for several years and we are tired of it. How
Requested validation and nothing has been received. I did have a XXXX account but it has been more than 7 years ago. This should not be listed on my credit file.
I applied for a personal loan online and received three pre-approval offers from One Main Financial XXXX. I selected one of the pre-approval offers for a unsecured personal loan that had the terms clearly stated on the website. A representative from One Main Financial XXXX contacted me by telephone to go over the details and asked me several questions about my income and expenses which all the information I gave the representative was exactly what I had submitted online. The representative then tells me they would not be able to help me and I was it approved for the loan. The reasoning 4 not being approved part the employee was due to my living expenses and debt to income ratio. The online loan application process and follow up with Company employee not only displays false advertisement and misleading information but very poor business practices. After receiving the disapproval I contacted the employee again to let her know there had been a mistake with the figures I had given her for my living expenses by several hundred dollars. After recalculating the figures the employee provided another excuse of how they would not be able to help me with the loan and that I was still would not be approved due to their company policy. I asked the employee where I could find the information regarding what is required of the applicants to be qualified for the loan and or company policies that she referred to and I was told that information was not for me to know. Due to the treatment I received from the employee of OneMain Financial I feel I have not been afforded the same opportunities and fair treatment as other applicants would have been afforded, therefore due to being an individual on a very low fixed income due to XXXX XXXX have become a victim of lender discrimination.
My name is XXXX XXXX I live in XXXX XXXX XXXX. I 'm a flood victim in XXXX XXXX, the flood XXXX on XXXX XXXX 2016. On XXXX XXXX I contact my mortgage company Nation Star to inquire about a forebearance program for my mortgage payment. As I explained my situation to a Nation Star agent over the phone, the agent complied that the company does provide services to help disaster victims. As I recorded the entire conversation the agent suggest that he credit my payment that was paid in full on the XXXX of XXXX back into my account. The agent assured me that I would receive NO late fees or penalties. He explained while I recorded the conversation that he would enter a code that would prevent any type of penalties. I recieved the credited payment for XXXX on the XXXX. I received a threatening letter in XXXX stating my payment for XXXX being late and I could be subject for foreclosure procedure if the bill is n't brough up to date. I immediately paid XXXX and XXXX in the sum of XXXX on XXXX XXXX. Nation Star credited my mortgage for XXXX back into my account and explained this is a program they offer. On XXXX XXXX after I paid XXXX mortgages in full Nation Star placed me into the credit burea and insisted that I was XXXX to 59 days late. My score dropped tremendously. I spoke to supervisors on several occasions and ask them to pull their tapes to examined that this company act in a manner to credit XXXX paid mortgage, non of this was my fault. Nation Star recovery team only complied that their agent made a mistake. I want to file charges with this company. I never had a late mortgage payment or penalties, this company have severely hurt my credit and I seek your help to help recover my loss of promises and active credits of my mortgage and the huge drop in my credit. Thank you very much.
I received a letter from this company demanding payment for a debt. As I checked my records I have never done business with this company and nor have they provided me with services or goods
Last Friday I scheduled a transfer from my XXXX XXXX, yesterday ( XXXX XXXX ) the money was transferred. I phoneed Chase yesterday and asked when the funds would be available and told not until today, the XXXX. However, now they are telling me I can not access my money until the XXXX. They have my money, but wo n't let me have any. While I personally would like to see every senior executive of Chase lined up and shot, I will settle if you can prevent any further misuse of a consumers deposit.
Hi, This complaint is against Citi bank. I opened a checking account and qualified for the promotion bonus. I completed all activities as per the rules of the promotion and now Citi bank is making me wait 30 more days which is was not as per rules. I also received email from Citi confirming that I met all the requirements and promotion bonus of {$400.00} will be deposited in one month. This email was sent to me on XX/XX/XXXX and till today I have not received the bonus money. When I called customer support they are saying I have to wait for 30 more days. Please help resolving this issue.
I Contacted Equifax In XXXX 2016 about Getting a replacement PIn Number For A credit Security Freeze they sent me a letter about XXXX forms of ID Well I sent in the Documentation they Reguested ( 3 ) times and I still have no pin. there only response was dated XXXX XXXX 2016
Unauthorized account, mishandling of dispute, poor customer service. 
My XXXX blue XXXX XXXX account was sold ( " converted '' ) to Barclaycard on XXXX XXXX, 2016. My XXXX XXXX XXXX XXXX account was cancelled and my outstanding balance was transferred to Barclaycard without my consent. My Barclaycard arrived in the mail and I learned that I needed to pay my outstanding XXXX XXXX balance to Barclaycard. However I had no access to XXXX XXXX on line account information or customer service after the conversion and Barclaycard did not yet have the information about transaction on my XXXX XXXX Account. So I paid my XXXX XXXX balance to Barclaycard, but also requested that Barclaycard send me statements regarding my XXXX XXXX transactions. 

When those statements arrived with my prior XXXX XXXX transactions, I realized that there was an unauthorized charge on my XXXX XXXX account on XXXX XXXX, 2016. After trying to work with the merchant, I determined that the merchant was not willing to resolve the issue and issue a refund. But when I contacted XXXX XXXX I was advised that I needed to contact Barclaycard for any customer service or dispute. 

XXXX XXXX, 2016 I called Barclaycard on and initiated a dispute regarding the unauthorized charge. I did not receive any case number or letter documenting the dispute, nor were the funds put back on my card. I heard nothing at all. I contacted Barclaycard again regarding this matter on the following dates : XXXX XXXX, 2016 Status check- case pending, no information XXXX XXXX Status check-case pending, no information XXXX XXXX Status check- was told they would send the dispute to the " back '' for escalation so I could get an answer. 
XXXX XXXX, 2016 Spoke with two agents about the dispute : XXXX : Said dispute had not been handled correctly but it was probably because of the conversion. Requested higher escalation to Client Relations and said I should get a call or a letter sometime within a couple of weeks. However she could not provide me with any documentation of the dispute or case number. 

XXXX Dispute supervisor ( Reference number XXXX ) Explained that XXXX XXXX was responsible for handling the dispute since the charges went through before the conversion. So that is why Barclaycard was not handling the dispute in the usual way. That is why I did n't get any letter or documentation that the dispute had been opened. The dispute had been sent to XXXX XXXX but nothing had been received from them and that XXXX XXXX was not being compliant with the agreement.
On XX/XX/2018 I applied for an apartment in XXXX XXXX XXXX, FL. The apartment complex used a company calling itself XXXX XXXX to conduct a credit/background check on me. 

I received a denial from the apartment based on inaccurate information furnished by XXXX XXXX. XXXX is saying I have numerous apartment evictions on my Equifax credit report, and after contacting both XXXX XXXX and Equifax, I received conflicting information. This libelous inaccurate information is preventing me from securing housing and has caused harm to my reputation. 

Moreover, Equifax states they have no record or public record of me having any evictions but XXXX XXXX used Equifax to run its report. 

Further, XXXX XXXX says it would be 3-5 days before they can release my credit report to me. 

I accepted a position in XXXX Florida and need to relocate without the worry of inaccurate information placed on my credit report by this bogus company. I need this corrected asap because I will be homeless if unable to secure housing based on the inaccurate information provided to apartment complexes by XXXX XXXX.
XX/XX/2018, XXXX XXXX changed the way that they report XXXX XXXX debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least XXXX points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?
I have wrote to Barclay multiple times to have them remove me from their mailing list. I continuously get emails from them and have requested for them to remove me after every harassing email. I was told by the secure message center that they can not remove me from this. I do n't understand how they can not remove me. I NEVER signed up for these harassing emails in the first place so someone had to add me to this list and I want that person to remove me from the harassing emails. It is ILLEGAL to continue to send these SPAM emails to an individual after they have requested to be removed. So I will give them XXXX final chance to remove me from the mailing list. Next recourse will be to report them to the FTC and/or the state XXXX. Additionally, I will be informing my internet provider of XXXX XXXX that this company is sending out SPAM emails. And I will submit a claim and complaint every time I am sent a harassing email so that all actions are documented. Thanks.
My name is XXXX XXXX, my complain is the negligence of the tellers at MoneyTree in XXXX and XXXX in XXXX XXXX, I was trying to make a payment of my loan amounting to {$700.00} on Saturday on the XX/XX/XXXX, but teller told me that they only take cash right after she swpied my card and i got charged. I am trying to make a payment in full so i can borrow again a small amount so I wont have to pay a bigger interest. I had to withdraw money from my other account so I could pay them in full and put the money back once they refinance me, they voided the transaction and today is Monday and my money is not yet back in my bqnk account and when I asked about the interest they said I am still gon na pay the daily interest of my loan that I was trying to pay last Saturday, because of their negligence i had to take another loan from a different lender to put my money back to my account to avoid overdraft charges from my bank and late fee from my landlord. I need your help with this and I wan na get conpensated from all the inconceniences they have caused.
I have been a victim of identity theft. I had my information stolen by my siblings and abused my information repeatedly, burglarized my home 2 tines within 4 day 's, called me and made threats, I currently have a domestic violence protection order out to prevent further contact with me. However this has done nothing, I'm to the point where I legally want to change my name and ssn to protect myself. I even went as far as applying to be a police officer due to the fact that ssn will not help me right away. I have sprint bill, credit ( s ), cable, and collection 's in my name that I was not aware of. I want them removed if possible so I can Atleast function normally at work, I really don't feel safe or protected by anyone I seek help with. I get the run around and thousands of phone calls from debt collectors everyday 20 times a day.
The Credit Bureau Customer Service would not help and take care of the negative inquires reporting to my credit report. 


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XXXX XXXX XXXX XX/XX/XXXX, Never Had a Contract with this Creditor, amount is XXXX.
Citibank is not applying excess payments to the highest interest rate. They are claiming a lower rate balance transfer qualifies to be paid first because it has a promotional expiration date. That makes no sense - it 's not an interest free promotion ( deferred interest ) it just means the rate will go up when it expires. This does n't qualify as per the legal requirements.
QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. XXXX failed to placed the {$51000.00} in the class XXXX claims and by not doing so was discharged at the confirmation of the plan. XXXX failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. XXXX did adjust the loan on XX/XX/XXXX only after XXXX had violated the bankruptcy code and FDCPA. XXXX during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. XXXX in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. XXXX did not let this happen paid them off and then demanded the amount in full.
On XXXX/XXXX/16 I had with the continues calls from Chase & asked that they remove my phone numbers from their records. This however, was not honored so the calls continued. Everyday since XX/XX/XXXX I received 4-9 calls/day. On Sunday 's they doubled their efforts & called me every 1/2 hour.