WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. I have been a customer of XXXX XXXX from XXXX through XXXX. My account number is XXXX. 

During this time period, for the XX/XX/XXXX payment, i was going to be out of the country and therefore, a payment was mailed in instead of the normal online payment. 
However, upon my return in XX/XX/XXXX, I became aware that XXXX XXXX had in fact not received my mailed in payment for XX/XX/XXXX and therefore, they placed a negative reporting on my credit. 
A second payment was also made at the time of my return to ensure that we would not be late until they figured out what had happened to the first payment. 

At this point today, I am trying to buy a house and this incorrect negative reporting is affecting my approval for the loan to purchase the house. 

I have several times to take this matter up with XXXX XXXX and their supervisors that I have spoken to refuse take any initiative or responsibility in assisting me to fix this important matter. 

I would appreciate your help to resolve this issue as soon as possible. I can be reached on my mobile at XXXX if any additional information is required on your side.
Never once missed/been late on a mortgage payment. I contact 5/3 Mortgage ( my mortgage lender ) notifying them of a job transition that was going to leave me without a paycheck for about 5 weeks. I asked for a two week extension on my mortgage, of which they said that would not be a problem. My mortgage was promptly paid two weeks later. After that two week extension I have remained current on my mortgage like I always have. Turns out - they reported me to all XXXX credit bureaus as delinquent. I called and asked for a request for correction, to which 5/3 issued a denial letter stating that it was reported accurately. My attempt to speak with a human in the Mortgage Dispute department have been violently sequestered, providing me only with a fax number. My new job is in a new city - now with this on my credit I ca n't qualify for a loan on the house we have been looking at.
Transunion is currently reporting the following inquires on my credit file are over 2 years old. 

all of these inquiries are from XX/XX/2014-XX/XX/2014 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX via XXXX XXXX XXXX 14. XXXX XXXX XXXX
I had a lease of a XXXX XXXX XXXX for 3 years and had just finished the lease payments on XX/XX/2018. 
On XX/XX/2018 I got a Lease Termination Invoice of {$580.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) referring of a Disposition Fee. 
My complain is that I bought an insurance specific for my lease and I returned the car in perfect condition. Also I had paid already {$37000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018 also referring of a Disposition Fee. 
After I call XXXX I found out that XXXX had a complain about the tail light lenses that I had put a decal to protect against any damage. Immediately I called XXXX ( the insurance company ) asking why the insurance company didn't take care of my situation. The answer that I had was that the XXXX XXXX was not responsible for any out of market parts. But there is a big misunderstood because I never change the tail light lenses. That is still the original part of the car that I returned in very good condition, in lower mileages and one month before the due date of the lease termination.
Carrington Mortgage Services has raised the monthly payment on my 30 year fixed rate mortgage 3 times in the last 4 years without notification. They have also charged invalid late fees I have tried to resolve with CMS and they have ignored my requests.
My Student Loan is now current, however its still says delinquent and its affecting my credit score. My wife and I have been saving to buy our first home and my score is reflecting the delinquents. Please make it current so that I can move forward with providing a home for my family.
I wish to file a complaint against Wells Fargo Mortgage Company ( WFMC ). I have been with WFMC for eight years. I understand that the mortgage is due the first of each month, and a late fee is assessed on the fifteen of the month. I normally paid my mortgage around the fifth or sixth of each month and I never received a letter or a telephone call from WFMC indicating that the mortgage loan is late and the company is trying to collect a debt. 
XX/XX/XXXX-XX/XX/XXXX, I contacted WFMC for a loan modification. The loan was granted and it was mentioned to me that I was a good customer. Nothing has changed, I continue to pay the mortgage around the fifth or sixth of the month. Since I have received the loan modification, WFMC have been calling me on the second, third of each month indicating that they are attempting to collect a debt. The company never did this before. Because I received the loan modification, I guess WFMC assume I am a " High Risk '' customer. 
These harassing telephone calls are very annoying, and I request that they cease calling me. Should I not pay my mortgage before the XXXX of the month, then I can understand WFMC contacting me. 
I would like to know if WFMC contact all of their mortgage customers that does not pay their mortgage by the first of the month or do WFMC just contact the loan modification customers indicating a debt needs to be collected.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX My ID via drivers license is attached
When I opened the account, terms stated that if I deposited XXXX and left it in account for 90 days, I would receive a {$300.00} bonus. Deposited XXXX in XX/XX/XXXX ... still no bonus. Called Citibank on week of XX/XX/XXXX. Was told an investigation would be opened and would hear back by end of week. Never heard back, still no {$300.00} bonus.
I have received XXXX times of American Express Premium Reward Gold Card Ads & Pre-select Invitations around middle 2016. All the Ads letters state : " GET XXXX MEMBERSHIP REWARDS POINTS after you spend {$1000.00} on eligible purchases with the card within the first 3 months of membership '' After three months of my membership I had made at least {$1000.00} eligible purchases using the card within that three months period. HOWEVER, I only received XXXX rewards points, which is only half of what I was supposed to receive. I contacted American Express Gold Membership a couple of times for a solution, they refused to issue me the rest XXXX as they promise in the credit card ads.
TD Bank XXXX N.Y. 

I was recently a victim of Identity Fraud and I was pre judged by that Branch manager and wasn't given any courtesy that the average customer with a simple checking account would've have gotten. I'm literally trying to keep everything together because the same people and or someone else has compromised my pre paid card as well. The police officers explained that TD is sending to may people to the station for police reports. 
I have way too much going on to get in depth but the way I was treated by that branch and the entire parties in this matter was extremely unethical.
i got acletter from chase XXXX XXXX XXXX XXXX, ohio XXXX my email addy XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- absolutly zero help regarding two unauthorized no signature from me authorizing yhese two transfers ...

and both transfers sent to company named XXXX but both wire transfers using two diff banks um shady!

the one on XX/XX/XXXX for XXXX XXXX dollars. the second XX/XX/XXXX for XXXX XXXX dollars ... 

now when you buy with a credit card a signature is necessary to validate your purschase. debit card pin #. whherees the signature authorizing and for future why not require notorizer signatures. anyone can sign. 
you guys know my email address and whats XXXX dollars matter but if i robbed a bank suddenly swat seams abd chase does mot give a XXXX ... so i want my XXXX back the chase reference number for reporting this fraud/theft XXXX
Rushcard had an update. I have n't had access to my money for 3 days. No way to feed my XXXX or put gas in my car. My phone is now disconnected due to this issue. It is not fair, and unfortunately we are all suffering.
I was told by the agent ( Navient ) that my loans would be back dated for forbearance. 
, As well they actually have noted that all my loans were due at the same in reality they weren't, I had have recently have consolidated all my loans, but I have 17, late payments on one report, on another I have 45 late payments, all these years my children have had to suffer due to mistakes that have inadvertently affected my credit for years
Our home in XXXX, New Jersey has been in our family for over 60 years. Due to misrepresentations and unethical behavior by XXXX, XXXX and now Wells Fargo, we are in danger of losing our home to foreclosure sale. I have tried to resolve this problem directly with my lender Wells Fargo but ca n't seem to cut through the red tape and need help to hold them accountable. My name is XXXX, I am the son of XXXX and the legal and rightful heir to the property. 
My father XXXX was coerced into refinancing our home in 2006 by the agents at XXXX, even though we were close to having the house paid off. He was not aware that this was a predatory option ARM loan with a payment and rate that would continually increase as well eventually recast and double the monthly payment. He was a senior citizen at the time of origination and I definitely feel that he was taken advantage of. My father passed away not long after taking out that loan, and I took over on this loan because I am the rightful heir and lived in the house. Due to the fact that I had several XXXX and was on fixed income I was struggling to make the mortgage payment. I contacted the people at XXXX ( holder of the loan at that time ) at that time to request that I be reviewed for a loan modification. They told me that they could not help me unless I was delinquent on this loan. I believed them and missed several payments with the expectation that I would receive a modification. However, that was not the case. When I tried to resume making my monthly mortgage payment I was told that they would not accept my monthly payment, that I would have to pay all of the missed payments at once. This was DEFINITELY not what had been promised by the representative from Wachovia. 

I have tried to move forward and be reviewed for various programs so that I can save my home. I try and get the process started, but Wells Fargo always finds a reason to stop or postpone the review. They have claimed that since I am not the borrower on the loan that they ca n't modify this loan. However, I am the rightful heir to the property, I live in the property and the mortgage statement lists me as the executor of the Estate of XXXX. When I send this paperwork in to show Wells Fargo they continually misplace it or invent excuses as to how or why they ca n't help me. It is beyond frustrating. They are now setting foreclosure sale dates. I receive fixed income and have a renter as well and I have sufficient income to make a fair payment. However, Wells Fargo has dragged this on for a long time so I am very behind on the loan. As the rightful owner of this property Wells Fargo should have to review me for programs that would let me fix this problem, but they have never done so. If the agents at Wachovia had not misled me and told me to miss payments when I was struggling I would not be in this situation and feel that Wells should work with me to fix it.
Here we go again. This has happened for the third time now, with them not applying a payment that I have demanded that they apply all towards principal and they refuse to correct the problem for me. The continue to apply one payment out of the additional {$5000.00} principal payment and apply that one payment towards the future. Therefore, making an additional {$400.00} + in interest, because it it just sitting their for an entire month!!!! This time, the payment was made on XX/XX/XXXX, for {$5000.00}.  Called on XX/XX/XXXX, spoke to XXXX, and asked for the payment that was placed in the " future '' to be placed back on principal. She said it would be fixed. Called back on XX/XX/XXXX, problem was still not fixed. Spoke with XXXX, she said she would get it fixed. Still, on XX/XX/XXXX, the problem is still not fixed. THEY HAVE BEEN COLLECTING ADDITIONAL INTEREST FOR 9 DAYS NOW!!!!! SEE OUR LEGAL ORIGINAL MORTGAGE DOCUMENTS THAT STATE THEY MUST APPLY ANY ADDITIONAL PAYMENTS MADE TOWARDS PRINCIPAL AS LONG AS WE OWE NO $ . The next payment is not due until XX/XX/XXXX!!!! PLEASE HELP US WITH THIS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
THEY ARE A SCAM COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Apparently, the mortgage company Caliber Home Loans is confused as to what I am requesting. 

I requested a Qualified  written request for accounting pursuant to the Real Estate Settlement Procedure Act, to XXXX, XXXX, XXXX had failed to provide a copy of pay history log and the servicing log required under Real Estate Settlement Act. 

When XXXX XXXX XXXX transfer my home loan to Caliber home loan, XXXX should had transfer the request for a Qualified Written Request/ Real Estate Settlement Procedures Act ( RESPA ). 

The information Caliber home loan responded to, it doesnt address the real issue that started this. 

It is almost as if XXXX and Caliber home loan is saying, though you are an XXXX XXXX   XXXX, therefore, we or not obligation to provide that information to you. 

A failure to provide information regarding a loans is a violation of the Fair Housing Act. 



Please call me at XXXX if you have any question.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I downloaded an application called XXXX XXXX on my phone. My mom sent me a total of {$100.00} and she sent it through the application XXXX XXXX which I had just set up an account and linked my debit card to the XXXX XXXX account it said that I received {$100.00} I went to go cash out so I could put it on my debit card and it said that they were reviewing my account and that it could typically take up to 1 to 3 business days. It has been more than 3 business days now and it says they are still reviewing my account. Now they didn't state that they were reviewing my account until I tried to get my money out. I have since then XXXX XXXX XXXX and I am not the only one that this is happened to. I believe that they are a scam. They are scamming a lot of people out of money. I just want my hundred dollars my car broke down and I was depending on that hundred dollars to add to the money I already had so I can buy a new car. I just want my money that's it. XXXXXXXX XXXX has a horrible way of responding. You can tell that they are automated messages and that you're not speaking personally with anybody. Please help me shut down XXXX XXXX. I do have a lawyer I would like to go about this without involving him being that it is just {$100.00}. But if I have to I will. Thank you guys so much for your help and I hope that this gets me somewhere. Thanks so much XXXX XXXX
i went to a XXXX school called XXXX located in XXXX fl. took out a loan with a company called XXXX to help pay for XXXX school. a few months down the road i ended up unemployed, becasue my wife joined the army leaving me with no choice but to quit and take care of my kid. 
so my loan ended up going into collections with a company called XXXX , Inc located at XXXX XXXX XXXX XXXX, Texas XXXX this is where their harassment began i spoke with them and told them about my situation and that once i find a solution ( job or some how obtain the money to pay them back ) that i would contact them. they went on and started call me every day and when i would n't pick they would call all my family and friends even people i have n't spoken to in years and they would call all family and friends every single day telling them about my collection and to tell me to call them back
I am a XXXX XXXX XXXX on XXXX/XXXX/XXXX I have transfered money into my mothe account XXXX XXXX XXXX XXXX with XXXX BANK. 
I just found out the money went into a different account, and Bank Of America refuses to help me I have spent the whole day over the phone I XXXX went in perosn to the local bank. 
and they did nothing so I m lossing my {$500.00} dollars even do they know it went into a different account. 
I do need this money I have no money. 
XXXX XXXX XXXX
Central financial control is still aggressively collection debts again me even though I 've sent them all the required documents under the FCRA and FACTA. I do n't owe this company any money and never lived to get hospital debts I work for  XXXX , so I know some people are not that annoying.
OnXX/XX/XXXX I filed a complaint with XXXX XXXX for supplying inaccurate personal information to XXXX, the company that provides a Mobile banking product to my bank. Because of the inaccurate information, I am unable to access my banking accounts through mobile banking because through their stepped up authentication process I can not answer their questions correctly because of the inaccurate information they provided. After multiple calls to Lexis Nexis I finally received a written report with their compilation of public record and non public record on XX/XX/XXXX. I called Lexis Nexis today to ask them to remove the inaccurate information and they refused. I called the number published on the report ( XXXX ) XXXX-XXXX and spoke with XXXX. This is causing me consumer harm as I can not access my accounts through mobile banking, nor make mobile deposits. One of the accounts I have is a rewards checking account that requires me to log on once per month. If I am traveling without access to a computer I can not meet the account product requirements because I can not used my mobile phone to log on..
I did not know I had a payment due in XX/XX/2018 on the Citi Double Cash Card.
I took out a construction loan that transferred to a 30 year fixed mortgage with XXXX bank in XXXX. I then had to take out a second mortgage with them to complete the house I was building. My XXXX mortgages combined at XXXX. I made XXXX and my wife at the time made XXXX a year. That loan to income ratio is horrible and I was XXXX XXXX XXXX and did n't know better. 

I built the house, converted the construction loan to a fixed mortgage, and had a real estate evaluation done. It came in at XXXX. All looked good. 

Then the market crashed and my wife left. I used all my retirement to pay XXXX. I rented out the house to pay XXXX. I went broke to pay XXXX. 

I received an offer on the house just a few thousand less than the loan debt. I asked for a short sale. No response. 

Then, they held an auction, and bought the house from themselves (??? ) and never told me anything. I had to declare bankruptcy. I ca n't get anyone ever to answer any of my questions for more than ten years now! Please help.
In the wake of XXXX XXXX unethical handling of our information that we did n't choose to provide, I have been unable to immediately get credit freezes because of demands for police reports, newly created run-arounds by TransUnion in order to trick me into buying their fraud monitoring instead of simply allowing me to get the credit freeze I need, as well as steep fees for the credit freezes that keep myself and others like me from being in control of our identity.
I was shopping in the XXXX XXXX, SC Home Depot Store, ready to checkout. I was asked to apply for the Home Depot Credit Card and would receive a {$25.00} credit. After a long wait the Clerk told me my application had been denied and I would receive a letter of explanation shortly. 
I received Home Depots letter dated XX/XX/2018 ( Exhibit A ). They gave the reason for denial Account in default with lender or affiliate of lender. I wasnt in default with anyone, so this vague information did not provide much information. 
On XX/XX/2018, I sent a letter to Home Depot Credit Services ( Exhibit B ). Under The Equal Credit Opportunity Act, I am entitled to know why my application was rejected ; I am entitled to be given a specific reason for their denial. 
I have reviewed my XXXX  Credit Report. I have a 100 % on-time payment history ; there was no evidence at all of any default with anyone. In addition, since there was to hit for a creditor inquiry, I suspect my credit was not even reviewed. 
I have never received a response from them ; the incorrect information and the vagness of the reason for denial seemed to close to discrimination. Given that 2 months has since passed, it gives me sufficient evidence to confirm my suspicion of discrimination.
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.