WillisBack/dataset-financial-user-claim huggingface dataset:
I have a mortgage through Wells Fargo. I lost my home due to a fire approximately a year and a half ago and have hired a contractor to reconstruct the home. While the home was under construction, the contractor " accidentally '' built the home XXXX sqft too big and insisted that I pay him for it. I explained that this is not a possibility as we did not contract or approve the additional square footage. The contractor subsequently assaulted the woman living on the property and then quit the project. He and I are currently involved in litigation but I have continued to build the house and pay other contractors to complete the project. Wells Fargo has frozen my funds which are being held in escrow and claim that I can not recoup any money which I have spent until litigation is complete. The home is currently finished and I am awaiting the final inspection from Wells Fargo. Once the contractor quit the project, I followed Wells Fargo 's stated procedure for removing or replacing a contractor and hiring a new one. That procedure being stated as a termination of contract letter or the service of two letters, spaced ten days apart, stating that the contractor is essentially owed no additional money. This procedure was followed, but Wells Fargo subsequently chose to freeze all funds remaining in escrow. I would like the bank to release the remaining funds, as I have spent more than the {$35000.00} which is remaining in escrow.
I received treatment in XXXX XXXX back in XX/XX/XXXX and now, XXXX takes care of myself. I always pay my bills on time. NOW, Dynamic recovery solutions is trying to collect XXXX XXXX from a debt they bought from XXXX XXXX XXXX dated XX/XX/XXXX and I do not have any record about it. So, I consider this could be a fraud attempt to collect money from former XXXX patients
On numerous occasions I've reached out to XXXX  to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to XXXX and Equifax Unauthorized Inquiries via XXXX XXXX  on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have reached out to the credit bureaus and they have stated they have not received the digital request from XXXX to remove these as they are still being reported on my credit. I reached out 3 times now to have XXXX remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a XXXX CC in XX/XX/XXXX, XXXX XXXX  Called me personally fist to verify that it was I who submitted the application. Not only has XXXX not corrected this but they have admitted fault and are passing the buck. XXXX Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon XXXX and goes against normal company standards and protocols.
I have disputed a XXXX XXXX account and requested validation but only a statement which I can not used to validate. Please help assist with obtaining the initial signed contract and more details on the charges on this account so I can research this claim.
I am thankful to Nationstar for giving me a Permanent Loan Modification under HAMP. But I notice the following deficiencies in the attached Offer : 1. ) The HAMP prescribes a start rate of 2 % for the first 5 Years, whereas Nationstar started with 3 %. If I am eligible for the Modification at 3 %, why am I not eligible at a lower rate of 2 %? 

2. ) Under HAMP there is an incentive of {$5000.00} ( and some of my friends got a XXXX incentive of {$5000.00} again, after 5 years ). However this has not been offered to me. 

3. ) The Property Value is only {$510000.00}. Please see the attached print out from the XXXX Dept. of Finance. So using the XXXX Standard Water Fall Step of HAMP, I should have been given a Principal Forbearance of about $ XXXX, whereas Nationstar increased my Principal Balance to {$720000.00} and charging me interest on the whole amount.
Carrington Mortgage Services misapplied our XXXX 2016 mortgage payment and did not credit our account. When I provided them with a copy of the check they cashed on XXXX ( well before its considered late ), that I had to pay my bank to get, they told me it would take 10-15 days to process my payment. I called back in 10 days and was told it would take 30 days. In the meantime, I asked if they would be reporting this to credit bureaus while they find our money. They said that they could not guarantee that the folks who report their customers to credit bureaus would be told this matter is under investigation and to desist from reporting a " missed '' payment. They could only correct the false reporting after the fact. Apparently, these departments can't/wo n't talk to each other. I now have to check my credit report for the foreseeable future because these people ca n't communicate with one another. Everything is on me, the consumer, to defend my credit and good name, and prove that I paid on time. No responsibility taken by Carrington, when they could easily help by communicating with one another. Absolutely no way to be compensated for the time, effort, and stress this is taking. Since they may not be financially liable for this type of issue, they likely wo n't change. 

Overall, this is the XXXX company who has sold/purchased/owned my mortgage. I would love to have more choice in who I work with for mortgage servicing, a role in if/when my mortgage is sold, or a way of moving on from an unacceptable company without having to refinance. I guarantee these folks would n't treat us like this in person. They 're just some faceless phone bank in parts unknown, so they treat you like you need to just deal with it. Government, any government, please do something!
I'm perplexed about the way this account is reporting on my credit report consider it's already paid off. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( XXXX XXXX XXXX ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.
I have been using paypal to pay my friends and family for monthly rent, large rental deposits, travel expenses, and other minor payments. PayPal opted to freeze my account without warning and has frozen {$5500.00} in funds for an absurd time period of 180 days. I need this money to get to my roommates for rental expenses owed. PayPal is not willing to release these funds sooner than 180 which is wildly over the top and abusive.
I received a notice via USPS that I owed a debt for a past due electric bill of my daughter 's that I had cosigned for. I had paide the bill a few days earlier. called the company to ensure that they had the information that I had paid the debt as I had paid it a few days earlier. 
Calling the number ( XXXX ) on the correspondence, I got connected to a auto answering device that wanted to give me a survey about vacations. It started asking me questions. After answering a few, it told me I qualified for a free vacation cruise and only had to pay the port fees of {$59.00} ( I think ). I punched 0, zero, a couple of times and hung up. At no time did it give me an option to not take the survey or tell me the company I was trying to contact was closed for the day. ( My call was at XXXX EDT. ) This seems an obvious attempt to trick people into verifying a charge to their credit card or a charge of some other sort. Fraudulent to say the least.
XXXX XXXX billed me for earned premium for coverage provided so I paid them directly but this credit collection company has continued to bill me and harass me for money that I have already paid. They have sent me multiple bills and even offered me a settlement. I called them to ask them about the balance and told them that I believed this was a scam they immediately hung up on me.
Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/XXXX  ( XXXX XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX has deleted the incorrect account. XXXX and Equifax continue to report account is verified and validated. When I asked for proof of validation, XXXX XXXX XXXX sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.
There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with Equifax and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.
I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance that it was paid off .I have been paying this Citibank credit card, original account # XXXX since 2008. Almost 10 years later. Citibank still want to keep charging the same amount by XXXX is illegal and violated my rights as a consumer & my civil rights. I will list below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending :, Treats about ruining my credit report. 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. 1 b. Risky loan terms and structures : The practice of making credit card balances with terms or structures that make it more difficult or impossible for consumers to reduce their indebtedness. Citibank Cycle of Debt : Citibank used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. Citibank use XXXX debt collector to claim {$10000.00} They would encourage overdue consumers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, Citibank would continue to pressure me into taking on more debt only making me paying minimum balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balance from them. I am sure you will find that Citibank created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). Citibank has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). Citibank want to transfer that to debt collector company XXXX the amount of {$10000.00}. Citibank balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to Citibank around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
In XX/XX/2018, I sent a certified letter with return receipt to Americollect regarding 2 erroneous and unverifiable entries that they are reporting on my credit reports. This was my second attempt to seek validation on the reporting of this entry. Americollect has not one time provided a dunning letter prior to placing this entry on my reports, nor have they attempted to respond to my requests. 

In my latest correspondence to them dated XX/XX/2018, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release any medical information regarding the alleged debt as well as cease any credit bureau reporting until the debt had been validated by me. Americollect did not. This entry 's insertion on my credit reports is a blatant violation of my consumer rights and the mere fact that I have requested in writing, to this company, to provide specific information regarding this alleged debt and they did not respond, nor have they responded in well over 60 days, is yet another notable violation. 

These entries must be deleted from my credit report immediately.
I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX University for {$12000.00}. I took out the loan in XX/XX/XXXX made regular payments for an original loan amount of {$12000.00} beginning in XX/XX/XXXX-XX/XX/XXXX when the loan was charged off by XXXX University XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from XXXX. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XX/XX/XXXX-XX/XX/XXXX and my payments since XX/XX/XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
My son has several school loans under American Education Services. I have to help him make his payments each month. When I go onto their online payment system, I have been paying amounts in increment installments on all loans by using their payment system. I pay each installment by the end of the month. Every month, I have been getting harassing calls by this company who states that my payments are delinquent. There is XXXX payment that they have been carrying over for over 40 days stating that this payment has not been made. I spoke with the supervisor and he claimed that the payment went on another loan. How can you use their payment system and request that this payment be made to this loan and it gets applied under another loan? This is not the first time that this has happened. I feel that I have paid them double the amount on my loans. For example, I paid my loan installments, in full, on XXXX payment in the amount of {$600.00}. The following month, I received a call from AES and they stated that I had a delinquency of {$300.00}! This amount also included late fees. This has happened before and when I approached AES that I wanted a summary detail payment list, they would not provide me one. The supervisor looked into it and stated that my money was allocated to other loans rather than the ones that I had indicated. This has happened to my daughter 's student loan that she has with AES, so this method is practiced quite frequently. American Education Services is the ONLY lender that places harassing phone calls. Other loan companies will call and ask if you have made the payment, and if you tell them that you will be paying the following week, they accept that statement. I do know that there are some people that will not tell the truth, and when they are asked about when they will be submitting payments, they lie. However, for someone like myself, who considers myself as a good person, gets harassed to the point that I have to hang up the phone. This has got to stop, not only for myself, but for other students who are desperately trying to pay back a student loan under this very poor economy. Another question, why do n't they allow students to pay on a monthly installment that they can afford? AES requires that you have at least a $ XXXX job so you can handle their payments. This does n't necessarily happen with students who just get out of college. And with the economy now, it will take a long time before they get to that level of salary.
On XX/XX/XXXX, I went to a local credit union to apply for a home improvement loan. They pulled up my credit report and informed me that I had an uncollected debt from XXXX of XXXX that had not been paid XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, California. 

I found an old paid bill from the emergency room at XXXX XXXX 's and called them. The bill was paid in full on XXXX. They transferred me to the main hospital ( which has since been sold to XXXX Hospital ) they found my record and informed me that they had tried calling me and sending me bills in XXXX. The numbers they had on file, were not my phone numbers ( one was a California area code ) and the address they had on file was an address in XXXX. They had apparently, turned over to Designer Receivables in XXXX. I called the collection agency to discuss the bill and find out why I hadn't been notified. They told me that the original bill was for well over {$4000.00} and the 4 years of interested amounted to over {$2000.00}. The address they had on file for me was the address of a rental home I used to own in California but never used as a mailing address because I never lived there. They admitted that all correspondence had been returned to them. I asked how it came to be that the emergency room at XXXX XXXX 's had my correct and current address, but the hospital did not. They had no answer. Until this week, I had no idea I owed XXXX XXXX 's anything. I have several bills from them in my file that are all paid. I did not realize I owed the hospital anything. 

Design Receivables ( the collection agency ) informed me that if I paid the entire bill including interest, they would take it off the credit report as if it had never been turned over to them. If I paid the total less interest, they would take the debt off the report, but the history would remain. They told me that the offer was only good that day. I argued with the operator and her supervisor, but they did not budge, saying that I should have known. I felt I had no option but to pay the entire amount. I paid that amount on XX/XX/XXXX. Almost {$7000.00}. 

I feel cheated, scammed and frankly livid about the entire transaction and phone call. I was never contacted by the hospital or the collection agency and both agencies verified this for me. Both agencies admitted that they could not get ahold of me, but every other doctor and medical provider was able to ( including the emergency room at the hospital ) I have paid bills from several providers that I can produce and I can also verify that the providers told me that they attempted to reach with ( using incorrect information - that I did not provide ) The hospital submitted my information to my insurance company ( XXXX ) and received payment from them. How in the world could they never get my contact information from XXXX or the emergency room department. This had gravely affected my credit, my reputation and my emotional state.
On XX/XX/XXXX I called the Mastercard account to inquire about my AWARDS and the MASTERCARD operated under SYNCHRONY BANK transferred me to a PAY PAL ( PP ) representative. The PP representative asked for a password for my email. I did not realize that they ( PP ) had opened a second PP account under another email I use. I still have the old PP account, but I gave the wrong password so I asked the PP agent to close the email used for the account they were operating with the MASTERCARD and use the other email but they misconstrued this and closed the PP account linked to the Mastercard. SYNCHRONY bank now tells me that action automatically forfeited all my over {$500.00} in AWARD and now SYNCHRONY tells me sorry there is no recourse! The PP agent never warned me about this.
Hi, I want to seek help regardig my auto loan with Santander Consumer USA. We had the loan with them since XX/XX/XXXX. Up to now, my balance is still the same. We kept asking why did not go down for almost 4 years and my loan is supposed to end up this XX/XX/XXXX. It is a hard earned money and a waste of money finding out my balance isnt going lesser even i am paying.i might had late payments sometimes, but i do my best to paymy monthly and it is so ridiculous it isnt going to my principal for 4 years. Please help! 

Thank you and looking forward to hear from you. 

Sincerely, XXXX