WillisBack/dataset-financial-user-claim huggingface dataset:
Loan servicing company Seterus Inc. has been inefficient in paper handling repeatedly asking for same documentation that has been previously provided and has caused delays in submitting loan payoff demands to closing company causing increased costs to consumers in interest payments and penalties. Repeatedly giving incorrect information about expected time for their performance from 48 hours, to 5-7 days, to 7-10 days, to 21 days, to they are backlogged and do n't know when. When contacted by closing agent, they fail to instruct that demands and authorizations must be on their forms when information is requested by the consumer, closing agent, and real estate agent. Being told to contact them by a certain date if requested demand has n't arrived only to be told later that no authorizations or records are on file after the information has been submitted. They are inefficient at best unless they intend to delay closings to earn more interest and penalties from consumers.
I filed a application with the former manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Communities for a simple mobile home loan. My daughter and I receive monthly Social Security XXXX Income for multiple XXXX conditions we have. I put a down payment for {$4200.00} dollars for the mobile home and was approved on XXXX XXXX, 2014. The former manager XXXX XXXX, put my daughter and I in a rental home and said it would take a couple weeks to get our home ready. She told me that she did it for people who were approved for a home loan. I decided to move everything in a storage unit so I did n't have to move everything XXXX. Two weeks later I found out that she was no longer working here. In XX/XX/XXXX I met the new manager XXXX XXXX and found out that my money was stolen that the police were able to get back. She also stole from other residents and the company. The company knew she was a XXXX when they hired her. XXXX the second manager tried to help get me and my daughter in our home but quit XX/XX/XXXX. The gas appliances were changed out to electric without asking my permission to do so along with other issues that has happened. There is a XXXX manager here now and things have gotten worse. My daughter and I are still living in the rental home that we were put in almost a year ago. Now they are trying to evict us. I went to court this morning with the attorney that is representing current and former residents that have filed a lawsuit against XXXX, XXXX for same issues. There attorney for XXXX, XXXX called my lawyer last night and dropped the eviction against me. I want my money back and start living a normal life again and forget this bad nightmare that I have been through the past year. Theses crooks use their money to destroy other peoples lifes and need to be stopped and put out of business. I do n't know where I go from here but I refuse to give up.
I have been asking Equifax to remove hard inquiries that are not mine due to fraud. I have even sent them numerous faxes and letters along with police reports. I have been told they were in the process of removing the inquiries. I have been checking and calling everyday for months only to find they still remain on my file. Equifax has just now finally added my bankruptcy that had been discharged since XXXX. They have the wrong info from that. I just do n't know what to do anymore.
I made a call to my credit card company today XX/XX/2018 but struggling to pay for my card if their is a promotion on my card if the interest the percentage on my card will be reduced and the lady that was on the other side didnt give me options she asked me about my income and experiture which I told her I dont know because the numbers will be give her will not be correct and she keep pushing and pushing and at the end she told me my account is going to be block and Im going to have a bad credit record but I have to keep on paying them. I told her no this is not why I am going I was calling if my interest will be reduced or if there is going to be a promotion on my card I can still be able to continue to pay but MBNA credit card costume will not listen to me
I went through an drive-through ATM to withdraw {$200.00}, and I did not receive my money, I immediately call the number on the ATM machine, they I had to call the numbers on my card, I also went into the bank they said I had to the numbers on my card because they could do anything about it, so I called file a claim, couple weeks later they temporarily refunded the money back into my account, and then on XX/XX/XXXX they reversed it back, so I was sitting with negative {$200.00} in my account. When I received more money into my account, they took it. This is serious, my money was taken from me, they was not able claim it, they are wrong! I want my money back!
XXXX made contact with PHH @ XXXX to get information to request a partial release. 
this was sent to us XXXX Dear XXXX XXXX, Thank you for using our email service. I apologize for the delay. 
I have requested for the requirements for a partial release of land to be mailed to the borrower. Please allow 7-10 business days for delivery. 
XXXX borrower did not receive anything in the mail XXXX urgent request to PHH borrower has not received package also included borrower authorization. 

XXXX urgent request to PHH with borrower auth need requirements for partial release request. 
XXXX urgent request to PHH need update on status XXXX borrower did not receive a package only a letter of authorization to be completed. he sent that to us and we emailed to PHH XXXX called PHH finally someone told me they will not talk to me because they did not accept borrower signed authorization because his signature did not match. 
I have called a total of about 5 times. I have had borrower cause a few times and they will only give me daily authorization and borrower will have to call in every time I need to talk to them. 
this has delayed closing 3 months, and we still do not have the required list of items they need to request a partial reconveyance, and they still will not accept borrower authorization form they supplied for him to sign.
I have never authorized or opened an account with Citi bank ending in XXXX. I have previously contacted Citi and complained to them about that Citi bank fraudulently opened an account and have been sending me monthly bills with late charges
Hello! My name is XXXX XXXX and U have a credit cash rewards card with US bank and I earned XXXX $ rewards card on XX/XX/XXXX and I never got it! Placed a multiple calls in XX/XX/XXXX, then in XX/XX/XXXX - hours on hold ... get transfers to differend departments and it seemed like nobody new what was going on. Finally got a call from supervisor 2 weeks ago and as per supervisor I would receive my replacement card within 7-14 days. Today is 15th day and I am in the Bank ( 1.5 hours!!! ) to find out if my replacement card was sent and same story - no one know what is going on!!! The card was n't sent to me, and nobody has an answer why. I am in the bank and they gave me a phone, I am on hold again ( XXXX person ) and I have to explain to each one over over hat happened, It 's so crazy! I am tired and I want to cry!!! I lost any trust to this bank and want to ivastigate what is going on in this bank, because all this way to fishy ... Thank you!
everytime i apply for credit, i get the same response saying they is no credit score for me. I applied for XXXX  today, i applied for several banks : XXXX XXXX, XXXX XXXX, XXXX. each time apply anywhere i get the same response. one of the lenders asked me to get a letter from equifax and equifax says no. when i call equifax they say nothing is wrong with my file and no lender should have any issues pulling my file. however anything on my report has not been updated since XX/XX/2018. I have been calling and talking to multiple departments and people and no one seems to help. its affecting my lively hood. i cant apply for anything because i will denied for no recent history and no credit score.
I have an account reporting negatively on my report that I have never been late on and that I was on XXXX for. I have to documentation to show that I have never had any type of late payment and that I was on XXXX and it should be removed.
I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( XXXX : XXXX UNKNOWN XXXX  : XXXX XXXX, XXXX XXXX XXXX ( XXXX : XXXX : XXXX, XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion  : XXXX ), XXXX  XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX  : XXXX XXXX T ransunion : XXXX ), XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Trans union : XXXX, XXXX XXXX XXXX TX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX ( XXXX : XXXX XXXX  : XXXXTransunion : XXXX. I requesting the above accounts be removed from my credit report.
This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back XXXX
In XX/XX/XXXX, I retrieved my credit report and noted that Accelerated Receivables MG ( reflected as XXXX XXXX on credit reports ) had inserted 4 derogatory accounts on my credit report. This company never sent any correspondence to me that would have informed me of any alleged debt they were attempting to collect. Further, by not receiving any correspondence from them, did not allow me to dispute the validity of their claim. to that end, I submitted a dispute to XXXX XXXX ( although the company was truly Accelerated Receivables ), the address reflected was to Accelerated Receivables. This too is a violation. If they are attempting to collect on a debt, then their name should have been listed and not the alleged original creditor. Accelerated Receivables never responded. So I then sent a copy of the certified letter with return receipt to XXXX to verify that the company did not respond to my dispute letter and the entries should be deleted. The entries were deleted from XXXX. 

On XX/XX/XXXX, I again retrieved a copy of my report an found that Accelerated Receivables had reported these same 4 derogatory accounts, that do not belong to me, on my XXXX   report. I disputed with XXXX but to no avail. XXXX responded well after 30 days only to state the accounts were verified. I submitted a response to their findings by inquiring as to how they were able to get a response from Accelerated and my efforts were not successful as the company just blatantly disregarded my dispute. I then escalated this dispute to the CFPB against XXXX and at XXXX ( as it appeared on my credit report ). It took XXXX over 60 days to respond to the CFPB only to state that they would send a letter with the results from the investigation to me. Again, I received the same letter whereby XXXX stated the accounts were mine. 

I then sent Accelerated Receivables another letter ( second attempt ) dated XX/XX/XXXX whereby I once again requested that they provide validation of these entries belonging to me. This letter was sent certified with a return receipt and to date, I have not received any correspondence from this company. Additionally, I requested that they provide a copy of the financial responsibility page for the accounts they are alleging I owe. Again, to no avail. This company is outright violating and continuing to violate my rights by reporting these inaccurate entries. These account entries DO NOT BELONG TO ME AND SHOULD BE DELETED FROM MY REPORT IMMEDIATELY! BOTH XXXX & ACCELERATED RECEIVABLES ARE IN VIOLATION OF THE LAW!!!
My medical debt was sent to a collection agency after the bill had been paid. 

Bill was to XXXX XXXX XXXX XXXX XXXX, TX XXXX Bill was paid on XX/XX/XXXX. I will attach the image of the posted transaction on my credit card statement. 

Received letter from collection agency " Managers Office '', XXXX XXXX dated XX/XX/XXXX stating the bill was still owed. Will attach image of that as well. 

A negative score has been falsely added to my credit report. When I contacted both companies they told me it would take 4-6 weeks to resolve. I want action immediate against these 2 companies.
Please reference complaint number XXXX. 

XXXX XXXX XXXX in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXX on my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you XXXX XXXX XXXX please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with XXXX? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could XXXX XXXX XXXX please suppress this 30 day credit item from my report on that basis?
I have an unauthorized inquiry on my I have an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my credit report and trans union refuses to do anything about it
My problem is with the company One Main Financial of XXXX, PA. I had fallen behind on payments this past XXXX, around XXXX or XX/XX/XXXX due to a temporary set back from illness. Someone named XXXX called & left messages on my cell, which I am fine with. However, he then, left a very detailed message on my work phone. This is a number & voicemail that my boss & co-workers have access to. The following day, he called again on my work number. I answered & told him that it was my work number and to not call it again. In the months that followed, I got caught up on my payments. 

However, a few weeks ago, I had a complication during a medical procedure & had to stay in the hospital for a few days. So I'm late again with my payment, which I full intend to get caught up on as my situation is temporary. Immediately, I began receiving the calls including, two more phone calls on my office phone, the number that they were told to NOT call, the most recent being today, XX/XX/XXXX.
I HAVE DISPUTE XXXX ACCOUNTS ON MY EQUAFAX CREDIT REPORT ABOY A MONTH AGO. I EVEN DISPUTED THE ACCOUNT WITH MY CREDITOR RECENTLY AND THEY SENT ME A LETTER THAT THEY HAVE UPDATED MY CREDIT REPORT ACCURATE. ON MY OTHER ACCOUNT I HAVE DISPUTE A NOTICE THE INFORMATION I HAVE DISPUTE HAS BEEN UPDATED BUT THE BALANCE IS NOT UPDATED OR CORRECT. SO EARLIER TODAY I WAS GOING ON LINE TO FILE DISPUTE AGAIN WITH THE CREDITORS AS I WAS LOGGING ON TO THE ONLINE DISPUTE ON EQUIFAX .I LOOK DOWN ON XXXX OF MY ACCOUNTS THAT I WAS GOING AND I SEE THAT MY 81 MONTH PAYMENT HISTORY HAS BEEN UPDATED AND IT SHOWS THE MONTHS AS CURRENT FOR THE MONTHS. AS PAY AS AGREE BECAUSE ON MY EQUIFAX CREDIT REPORT IT SHOWS A NOT REPORTED OR NR ON THE MONTHS IN QUESTION. SO I CALL THE EQUIFAX DISPUTE NUMBER AND I ASK THEM WHY DO I SEE MY ACCOUNTS ON THE ONLINE DISPUTE SIDE AS CURRENT AND IT SHOWS MY PAYMENTS HISTORY CURRENT BUT WHEN I LOGGED INTO MY EQUIFAX PERSONAL SOLUTION ACCOUNT IT SHOWS NR AS NO REPORTING FOR XXXX AND ALSO MY XXXX XXXX ACCOUNT. ACCOUNT NUMBER FOR XXXX XXXX XXXX AND ALSO MY XXXX XXXX XXXX XXXX AND XXXX XXXX. THEY ASK IF I WANT TO FILE A DISPUTE. ITS LIKE I DONT NEED TO. THE ACCOUNT ARE UPDATED HOW COME IT DOESNT SHOW WHEN I LOG IN. THEY DIDNT HAVE ANSWER FOR THAT. ALSO ON MY XXXX XXXX ACCOUNT IT STILL NEEDS TO BE UPDATED THE BALANCE OWE IS NOT RIGHT. I HAVE SUMMITED DOCUMENTS FROM XXXX XXXX TO SHOW THE CORRECT BALANCE. WHAT I OWE IS XXXX NOT XXXX. DATE OF LAST PAYMENT SAYS XXXX 2016. MY LAST PAYMENT I MADE WAS XXXX OF 2016. DATE OF LAST ACTIVITY IS THE SAME WITH MY LAST PAYMENT. I AM DISPUTING THE BALANCE, LAST PAYMENT ON MY CREDIT REPORT AND I AM DISPUTING THE DATE OF LAST ACTIVITY. ALL SHOULD SAY XXXX OF 2016. ON MY XXXX XXXX ACCOUNT IT STATES MY NEXT PAYMENT IS DUE XXXX ON XXXX XXXX 2016
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name SYNCB/ROOMS TO GO Status Paid, Closed.   Date open ed  XX/2014  Deta ils Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
When checking my Wells Fargo credit card statement online I saw a charge of {$110.00} to XXXX XXXX. I called Wells Fargo to dispute the {$110.00} charge. They provided a receipt which is attached to this complaint. The receipt shows a transaction date of XXXX/XXXX/XXXX for a location in Florida. I was not in Florida and I had my credit card in my possession here in Minnesota. Also it shows the purchase was manually entered. I do not believe the receipt provided by Wells Fargo is a XXXX receipt in the first place. I had Wells Fargo cancel my card and issue a new card as this charge was fraudulent. 

I do not have a XXXX account at all. I do have a XXXX phone that gets billed to my father 's account. My father 's account did not receive any {$110.00} credit from Wells Fargo and it should not any way. Wells Fargo told me that they can not reverse the charge since I am affiliated with a XXXX account. Again I do not have a XXXX account. I believe Wells Fargo should be able to tell where they sent the {$110.00} and it was not any account that I charged on. 

I did file a fraud form online with XXXX on XXXX/XXXX/XXXX also but no response from them. I believe the receipt that Wells sent me is not a XXXX receipt, I do not have a XXXX account so XXXX really has nothing to trace back. Wells Fargo should know where they sent the {$110.00} but they are not working with me.
Sunwest Mortgage has maliciously reported my mortgage account incorrectly. This act was premeditated and vindictive. Because I am enrolled with all XXXX major credit bureaus, I have the date ( proof ) archived. When I disputed the data, Sunwest refused to correct even after I disputed numerous times with them directly and the XXXX reporting credit bureaus. I got the VA involved and the issue first issue was mitigated the next day. XXXX is directly responsible for the fraudulent reporting of a federally insured VA mortgage which is a felony. She has done this malicious and fraudulent act XXXX separate times and she honestly thinks she is not only above the law but immune to prosecution.
I requested an investigation of an account placed on my credit report. XXXX XXXX placed a collection on my reports for XXXX. I was appalled and requested the credit bureaus conduct an investigation and I also requested validation/verification from XXXX XXXX XXXX. 

Equifax as well as XXXX both reported the account was verified. I received a response from XXXX XXXX dated XX/XX/XXXX. The information contains several discrepancies. 
The date of birth for the handwritten account number XXXX contain a date of birth of XX/XX/XXXX. They also provided several signature pages that are NOT my signature. 
According to the FDCRA ALL information must be properly verified and 100 percent accurate. DOB and contract signature are 2 main components when it relates to reporting on consumer credit reports. It is the credit bureaus due diligence to conduct a thorough investigation, and any information that is NOT accurate or can not be properly verified should be deleted. In my case per my request the information is not accurate and should have been removed per the initial investigation request.
My son and I received a letter from the Nelnet Student Loan Servicer today, XXXX/XXXX/2016, introducing the fact that they had been selected by the U.S. Department of Education to be our student and family loan servicer. The letter refers to an enclosure that we should read, but there was no enclosure in the mailing. We do n't feel that we have received all the information we need, and our confidence in the servicer is n't enhanced by a mistake that, if it included all the other people who received the mailing, could represent a significant error and possible financial expense on the part of the company. The letter was addressed to my son, XXXX XXXX, and was dated XXXX XXXX, 2016. We would appreciate it if the company would forward the missing piece, and would not object to being allowed the option of choosing another servicer. Thank you for attending to this matter.
My insurance policy ended. I cancelled with the agent and did not renew it. The agent took it upon himself to extend the policy without my consent, now he want monies and is attempting to use a collection agency to collect funds for services that were not authorized or the renewal approved. The collection agency was given specific instructions to verify the debt by producing documents bearing my signature and approval along with other items and has refused to deliver. This in nothing more than " harassment '' and should be dealt with appropriately by your agency.
Employee number XXXX ( XXXX, XXXX, XXXX, all same man ) has repeatedly called me and when I ask for verification he hangs up on me stating he is done with the call. I have asked to speak with the supervisors only to be given another name but the same gentleman. They tell me that there is only him Monday- Friday. No one else can assist me. Very rude and unethical communication. Ceist and disist is inorder for not following proper procedures.
Hello, Thank you in advance for your time. Navient is the only debt collector calling about my private loans that I defaulted on. They call my father ( co-signer ), mother, grandparents, and XXXX aunts repeatedly. These calls are all going to their home phone. I asked Navient to stop calling. Navient calls my family from XXXX. Navient calls me from other numbers like XXXX. Can you make them stop? 

Thanks, XXXX
Hello, recently I noticed a transaction in my paypal account for XXXX $ this transaction is fruadulant and now I 'm missing XXXX $ that was going to be used to pay bills. I live paycheck to paycheck and now I 'm behind. I contacted paypal about this and they said it would be reviewed but then they did nothing! They just silently closed the review case. I got some details on who scammed me including personal information and I do n't know what to do. I want to press charges on them!! And make them pay for this but more importantly I want my money back!!
I have XXXX XXXX XXXX reporting late pays on equifax in the year XXXX and XXXX however i didnt have any lates since XXXX, please remove these incorrect reportings asap these are incorrect. I attached a copy of my equifax report to show this however i was never late or received any late notices, i remember an issue awhile ago where XXXX XXXX was not sending me information however that was resolved in house at XXXX and the late fees were removed i need complete verification and deletion i thought this issue beeeeeen resolved i have any documents u may need me to provide asap this is not good to have been on my credit this long and i was unaware of it