WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a new home in XX/XX/XXXX and at that time purchased Homeowners insurance with XXXX that was paid in full and escrowed with my mortgage with BB & T. 

On XX/XX/XXXX, the homeowners policy was cancelled due to " non payment '' because a {$40.00} multi discount policy credit was removed when I replaced my auto policy with another company. There was no notice mailed to me, and the insurance company confirmed they emailed a notice to the wrong address. 

I was not made aware of this cancellation until XX/XX/XXXX, when I received a notice from BB & T that my policy had been cancelled. I do not know why BB & T waited this long to tell me the coverage had lapsed. I promptly replaced the coverage with another carrier that day. Coverage is currently in force, and the policy is paid in full for XX/XX/XXXX-XX/XX/XXXX for {$730.00}. 

Today I received a notice from BB & T that they plan to purchase insurance for the lapsed period between XX/XX/XXXX and XX/XX/XXXX for {$3400.00}. 

Since Homeowners policies are " occurrence '' based policies, and there were no " occurrences '' to give rise to any claims on the home, this insurance actually insures nothing. Insurance is the transfer of risk, and in this case there is no risk to transfer. The chance or likelihood of a tornado or other insurable event damaging my property during these prior months is zero since time travel does not exist. 

Please help!!!!
I was impacted by the XXXX security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.
I have had the care credit card since 2009 and have been charged interest. 
I have not received the refund claim form from care credit. Is there any way Ican receive one?
Back in the fall of 2015, I reached out to Wells Fargo to see what they could do to help my financial problems in being unable to make my mortgage payments. I had been unemployed and underemployed several extensive periods over the last 3 years. I asked if they could stop my payments for a period of 6 months as I felt I was soon going to receive good employment. I did at the very end of the 6 months get a good job. I reached back out to them and stated that I have employment and asked if I could get my payments restarted. This is when things changed. I was lead to believe that this was a simple 6 month period for me to get my finances straightened and then to restart the loan. Suddenly they 're asking for financial documents and talking about making an offer to my current loan. I was confused, but went along with the process. I was told I had until XXXX XXXX to make a payment, except now I 'd be a part of a loan re-modification. My offer was 40 years at my current 5 5/8 % rate and that my payment would go down $ XXXXmonth, but now my loan amount was more and for 40 years. I was pressured into agreeing to this. They said that they 'd need additional documentation in order to possibly make me a different offer. The problem is that my ex-wife is dragging her feet on a quit claim deed she needs to sign from the divorce and now I feel like I 'm stuck and Wellsfargo has not been helpful in getting me into something that 's realistic. Plus i feel like they 've been extremely vague and difficult to understand. It 's like they want me to fail so they can foreclose on me. This experience has not been nice nor professional and I need some help before they take my home. Please help.
I had a car accident XXXX/XXXX/2016. i had several bills including XXXX from XXXX. my account number XXXX. it took months for them to acknowledge my XXXX and XXXX information. i would call several times. in XXXX my auto insurance XXXX had to send out a letter to all the people left owing that i had exhausted the {$10000.00} and to please file with XXXX and XXXX. the supervisor at XXXX XXXX XXXX sent me into collections XXXX/XXXX/2016 ( he told me this morning ) because there was a conflict between XXXX and XXXX. like it was my fault? you know the rule, something about 90 days in arrears and it goes into collections. even knowing that it is being processed is my concern. eventually i found out by phone ( my call to XXXX ) that it was finally paid and i owed {$34.00}. that day XXXX i sent a check and it went through my bank account on XXXX/XXXX/16. on XXXX i get a call from Profit Collections wanting the {$530.00}. she wants proof its paid. i have no fax and no car. lost it in the accident. do n't you think it would be easier for Profit to call their Customer, XXXX instead of harassing me. they have harassed me again this morning. i am sick and tired of being harassed at home, under medication, trying to get well and NOT owing anything. are they all stupid? XXXX knows its paid. why do n't they call off their wolves?
I previously contacted all XXXX credit reporting bureaus in early 2014 after completing a rehab of my student loans. I just learned yesterday in the process of buying a house and after a XXXX bureau credit pull that Equifax is still reporting a XXXX account as a collection account. I contacted XXXX, and they say I have to dispute with the reporting agency. 

My frustration is two-fold : 1. I already did this and it worked as the process was supposed to with all other issues and with the other 2 reporting bureaus. Now I have to wait between XXXX days for my credit report to show this ; and 2. I 'm not going to be able to close on my home loan on time because of this, and I 'm going to have to scramble to make alternative living arrangements and expenses, and may see the seller pull out of the deal leaving me to also try and find a new place to live permanently!
I have attempted to resolve directly with the merchant as well as my credit card company well within the time period, once the transaction posted I started a dispute. Citibank during this time provided little to no updates, I continued to call 2-3 times a week, each time the representative gave different updates, and as of XX/XX/XXXX was told it was going to pre arbritration, as of today XX/XX/XXXX was told it was completed not in my favor. I pre-paid for 1 night of a hotel which payment was made XX/XX/XXXX and also didn't receive tickets from the hotel and was cancelled due to the incorrect tickets that they sold prior to the show. Please see the original letter. 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account XXXX  XXXX / Case ID XXXX Citibank AKA Citi Cards  Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir or Madam, I am writing my response to the billing dispute for {$800.00} on my account. Date of transaction XX/XX/XXXX from merchant XXXX XXXX XXXX, XXXX NV in the amount of {$800.00}. 
I am disputing the resorts fees, additional nights billed for Fraud/Goods and concierge fee as these were billed by merchant fraudulently without my permission and goods and services were not received. 
We only stayed one night in which was paid in advance on this Citibank card transaction date XX/XX/XXXX in the amount of {$180.00}. This is the only night which is not in dispute. The night at the hotel was XX/XX/XXXX, this was the night paid in advance. When checking in the front desk clerk still had the additional nights which were requested to be removed in XX/XX/XXXX and reverified 30 days prior to our reservation. The front desk clerk said not to worry it will not be billed and she will update to reservation. Before leaving hotel on Saturday morning XX/XX/XXXX we performed a charge through concierge for tickets at the XXXX, we were shown the exact seats on a seating chart that we would be sitting in however not provided with tickets. When getting to the XXXX that evening they had different seat selections and could not provide us the tickets which were promised by XXXX XXXX XXXX, we called hotel and advised them of this issue immediately ; they stated it was an error on their part as they use a third-party vendor to purchase tickets. We advised them that we would not be using the tickets as seat selection shown was four tickets together in a better price zone, and XXXX claimed that tickets were separated in a lower price zone. We were unable to separate from our children and didnt want to accept tickets that were not the tickets promised. They also promised not to charge for this. Upon getting home we saw the incorrect charge and attempted to work with merchant, they didnt respond back. We had no alternative to request a dispute in order to protect ourselves. This is the first time ever disputing a transaction and have been a long-term customer with Citibank. I hope that you will be able to assist in working with me to resolve this issue on the fraudulent charges so that the dispute is in our favor as quick as possible. I appreciate your assistance. 


Sincerely, XXXX XXXX
I reported to Macy 's that they were reporting inaccurate information on my XXXX credit bureaus. 
I am using my XXXX report as an example : On XX/XX/XXXX I received a letter from Macy 's stating that their reporting was accurate. The account was charged off XX/XX/XXXX since me asking for information on my account Macys has been adding additional Charge Off ratings on this closed account. 
XXXX reported on XX/XX/XXXX Charge off marks added by Macy 's for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX XXXX reported additional negative recent CHARGE OFF reporting 's XX/XX/XXXX and XX/XX/XXXX. 
They continue to add negative information to each credit bureau that varies in accuracy. I believe this is violating my Fair Credit Report Act rights and are using deceptive debt collecting practices by continuing to report this inaccurate information on my files. 


This is causing me to be denied for my home loan and I would like this account removed immediately from my credit reports.
Several years ago, my mortgage was sold to Nationstar. Earlier this year I fell behind on my Nationstar ( now re-named Mr. Cooper ) mortgage payments and started getting past due letters. I have been making payments the last 4 months and even sent an extra {$500.00} in XXXX and XXXX. Still I have n't been able to catch up. In a letter dated XX/XX/XXXX they said I owed {$5700.00} but when I spoke with someone in late XXXX by phone, they said if I sent {$4500.00} to them it would bring me current. They did n't provide any written statement to back that up. I am hesitant to send in any monies until I can obtain a full accounting of my payments and my current balance. 
The first sentence on the letter says " If you are represented by an attorney, please send this letter to your attorney ''. So two weeks ago ( XX/XX/XXXX ), at the urging of my family, I consulted a lawyer who had me sign a Power of Attorney ( POA ) form so that he could speak with the mortgage company on my behalf. He faxed it in on same day XX/XX/XXXX and followed up with a phone call and was told it would be 2 - 4 days before the POA would be " processed '' and until the processing was complete they could not speak with him. So by XX/XX/XXXX, the processing should have been done. 
Today is XX/XX/XXXX. My lawyer has called every other day since XX/XX/XXXX, he 's been put on hold for 15-30 minutes each time and either ca n't get through or he reaches someone who says " we 'll call you back '' and then they either do n't call him back or they call back at non-office hours. They wo n't give him a direct number to call to bypass the wait time and they wo n't make an appointment with him to discuss my case. My lawyer wants to obtain a full accounting of my payments and balance due after which my family will help bring me current. 
There are a lot of complaints logged for Nationstar in the XXXX XXXX XXXX database many alleging that they overstate the amount owed. I 'm hesitant to send them the amount they tell me I owe them because if it is n't correct, I 'm sure I 'll never get it back. So the charges are piling up ( to their advantage of course ) while I 'm trying to get them to work with me and my lawyer to bring me current. 
Nationstar/Mr. Cooper is stonewalling us to their financial advantage, racking up more fees each and every day that goes by.
The XXXX at XXXX Ga took a fraudulent claim to court ... .My rent was fully paid ... I owed them nothing ( They said {$10000.00} dollars???? ) ... .They had the warrant sent to my old apartment ... .I was not given the opportunity to defend myself and then they sold info to Rent Recovery Solutions who did not want to hear my story. These are the same people who were on XXXX on XXXX XXXX, 2014 ( please watch ) ... The apartments were mold infected, crime infested and damaged which is why I got them paid off an moved out.
XXXX XXXX account was closed by XXXX XXXX, earlier, than sold to portfolio recovery, put in collections, I disputed, they removed in XX/XX/2015 and put it right back on again the same month. 
this account was over 7 years old and was dropped by XXXX XXXX. for {$540.00}
I recently received a copy of my credit report and found that Eagle Accounts Group was still reporting a debt on my XXXX  report not only are they still reporting the debt but they have this account on my credit report 2X 's. This debt was paid in full and they advised me at time of my payment that they would remove it off my report due to the fact that I was not probably notified in writing of the amount owed they did not have my address.They have removed it off my XXXX in XXXX but have not removed it off my XXXX.I have since learned that Eagle Accounts Group is not licensed in the state of Ohio and therefore legally should not have been able to collect this debt. I am asking to have these 2 accounts removed off my XXXX credit report within the next 15 business days, as its adversely causing harm to my credit. Thank you in adavance
Ref : GAP VISA/SYNCHRONY BANK TEL : XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT HOLDER : XXXX XXXX ADDITIONAL CARD HOLDER : XXXX XXXX Dear sir/madam, this is the 3rd time with-in two years ; some one used our credit card. 
Last some one used our card {$1900.00} on on XXXX/XXXX/2016 XXXX XXXX & XXXX XXXX # XXXX XXXX MD ALL of unauthorized used affected our credit report. 
Specially my Husband 's report ( XXXX XXXX SS # *********** Would you be kind enough to help us? 

Thanks XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX NY XXXX.
In XXXX I filed for a Vehicle Title Loan as an XXXX XXXX Military Service Memeber and Was approved. 

After Making the payment for Severeal months, I realized that I could not make the principal go down. I asked for relief and they informed me they couldnt because I was in the military. My Vehicle was repossed in XXXX after a military Move because my wife lost her job due to our military move, and I could not longer afford such steep payments.
I traded in this vehicle with a auto dealership, signed all of the paperwork, got my new car and they never paid off the loan after taking ownership of the vehicle.
Ditech continues to miss manage my account with them. My husband received a call 2 weeks ago stating we owe the company 'Advance Fees ' from XXXX from the previous Servicer ( Greentree ) & when can we settle that payment. I informed my husband that was not the case and why do Ditech continue to call and harass us? there is currently a cease and desist order against them on my account. My argument is this, the year is now XXXX Ditech claim they have outstanding 'Advance Fees ' on my account from XXXX, approximately 5 years in the past. Why all of a sudden Ditech is moving ahead to collect these fees when they were no such fees listed on my account until recently. Did Ditech somehow pull these bogus fees out the air?? I am gravely concerned about Ditech 's unscrupulousness business practices and how Ditech continues to miss apply my payments and make up fees that are unsubstantiated. I have been making on-time payments to Ditech every month these payments are withdrawn from my bank account. However, Ditech continues to harass me with bogus advance fees, this has greatly affected my health as my over all well being. I expected Ditech to be a company who values their customers and not to threaten them with evictions or repossession orders. Especially when their customers are making their payments on time and accurate.
When I was  XXXX   years old  ( 6 years ago ) I signed my first lease for my first apartment. After having my apartment broken into, possessions stolen, and in fear of my safety I made the decision to break my lease, I gave them notice and I even paid the last months rent ( which I was not there for ) thinking that it was settled, but apparently not. They say I owe {$950.00} or some odd amount stated in my lease which I have reviewed my lease and do not see that anywhere, this has put a dent in my credit and the debt collection company is reviewed as terrible. They buy small debts and try to make hundreds of dollars off of them. Please help me! Thank you. The name of the agency comes up as  Natlcrsys on  my credit report. I tried to settle with them for {$250.00} and they claimed they would n't accept anything less than {$640.00}. Which makes no sense and is not fair.
Due to the fact that my situation is not properly available on this site as a choice to select. I have been violated by XXXX XXXX XXXX XXXX XXXX. ALso, by Experian Credit Reporting Agency. XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas. They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.
I have been paying my mortgage lender Quicken Loans on the same date since the inception of my loan via automatic withdrawal Suddenly two months ago XXXX my bill for my loan reflects that I owe two payments and I am one full payment behind. The loan service representative assured me I do not owe two payments. She then stated that quicken loans changed the date that they process the bill and therefore your bill will always appear as over due. This is unacceptable to me as Ivhave never payed payments out of the grace period. And although the bill do not show that later payment fees are due. But it states I owe two payments. After seeing how the banks and lenders previously took everyones homes during the mortgage crisis about 10 years ago ... I am concerned about predatoryvaggessive collection set up whereby it would reflect if someone such as myself fell behind in one paymentbit would show I was behind And owing 3 payments. You should look in to this. Is it legal to change the condition of a loan such as the payment processing date so people are two months behind in payments? I am going to contact legislators to inform them of my serious concerns. Please respond.
XXXX and transunion have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my credit
Forgery of XXXX certificates of my XXXX children XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) with the City of XXXX and XXXX XXXX XXXX for a mortgage loan at XXXX XXXX XXXX, XXXX, VA XXXX
Chase has charged me overdraft fees for transactions that appear from the day before, that does n't show up until the next day, but have yesterday 's date on them.
I opened on the account with BBVA on   XXXX ,2017     and it was a nightmare ever since. I started having issues over the past weekend with several overdraftfees from unathorized charges that caused overdraft fees I used the account to deposit small checks and this banks holds the check for  three  days no matter how small the amount, they took the entire deposit and refused to assist any further claiming the account was new I asked for the check to be release they refused to to so that way they were able to keep the check.I removed overdraft coverage and thought I would be okay and not have anymore problems with and on  XXXX  ,2017  I made small deposits and today they took that money as well and basically told me they that will not be refunding anything and to take it up with the merchant the charge was in authorized and a payment was made since then to the merchant and I do n't know why I was overdrafts fee again to take money from their customers this bank charged me for an unauthorized charge for a bill that was not set up on autopay or kept on file this bank tried to push the payment through and over drafted my account
Equifax released my information without my consent to a 3rd party on XX/XX/XXXX and did not divulge to me that it was given out until early XX/XX/XXXX.
I have previously contacted your offices, but the same issue is being presented to us in reestablishing our mortgage payments. 
I have been on forbearance for the last 10 months because I was previously out of work. Now that I have obtained a job paying $ XXXX - I receive a call on this morning from Wells Fargo telling me that my income is not enough to restart the mortgage payments. I have turned in the check stubs and all information that they have requested, but they are now telling me that I have to pay {$26000.00} to be considered able to restart the loan ... ..knowing that I can not obtain an outside loan because of the mortgage being on my credit report as delinquent. 
What the heck is this bank working to do - other than destroy people? 
Can you assist us in getting our loan reestablished?
We paid for homeowners insurance for my mom n laws home At XXXX XXXX XXXX, as I was notified that she did not have insurance on the property by XXXX XXXX. Our Insurance agent handling the insurance for the property faxed over the evidence of the insurance declaration, in which XXXX XXXX received and confirmed, yet they force placed insurance on her property, in which we were double billed.
Balance Transfer submitted back in XXXX and still not applied to account. Amount still showing on statement. Company wo n't produce proof that payment made to XXXX 's.
I was reviewing my report and noticed there is an address for XXXX XXXX. I have never lived in XXXX il or even near it.
The debt collector called my number twice, once on XXXX/XXXX/2016 and again on XXXX/XXXX/2016. They are asking for XXXX XXXX. I called back to advise them it was not her number and to remove it. They continued to ask questions regarding who I was, if I was her husband, her boyfriend, if we live together, and other inappropriate questions.