WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I knew that the we wouldn't have XXXX 's mortgage payment because we were evicting the tenants. I contacted Mr. Cooper in XXXX to let them know and begin working on the loan modification process. Since XXXX I have uploaded and emailed over 40 times to get them the required documents. They have lost several, allowed others to expire, and ignored several. We have spoken with numerous supervisors that promise to help but afterwards we are never able to reach them again. People call us to tell us we are missing documents and when I tell them I resent said document they suddenly are able to find it. I have emailed XXXX XXXX ( she uploaded documents for me on XX/XX/XXXX ). I spoke on the phone with XXXX XXXX ( supervisor ) on XX/XX/XXXX and we emailed back and forth the things he said they still needed from me. I sent those forms to him on the XXXX. He promised to help, call me back, and respond to my emails, but I never heard back from him. On XX/XX/XXXX I emailed him requesting an update on the loan modification and I didn't get a response. On XX/XX/XXXX is when we spoke with XXXX XXXX and he told us " this will be the biggest headache of your lives and at the end of the day they are still going to take your house ''. Nonetheless, we continued to send forms in and I tried to reach out to XXXX XXXX again and to XXXX XXXX ( my personal loan specialist ). XX/XX/XXXX I spoke to XXXX XXXX ( another supervisor that promised to help but didn't ) and I emailed her forms to upload. I had to email to request uploads because their website can't upload documents that are " too large '' .On XX/XX/XXXX I spoke to and emailed documents to XXXX XXXX ( another supervisor that didn't help ). I was sent a response email stating to call Mr. Cooper for any questions or concerns. I emailed forms to XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. This is not counting the forms I was able to upload myself via their website. This company is so disorganized. They are liars and scammers and they play with peoples emotions hoping that we will get tired and give up. We have been trying for months to resolve this issue and they are not doing their part. In the meantime my account if accumulating outrageous late fees and penalties and this is destroying my credit. We have since gotten new tenants and they are harassing them with visits and mail about foreclosure.
they lost my XX/XX/XXXX payment. I authorized them to charge my checking account for my XX/XX/XXXX payment ( XXXX.. They charged my account for two payments ( {$25000.00} ) and refused to correct their error.
This company has called, sent letters  XXXX   2016 , I told them this was not mine but someone elses. They are not bonded to collect debt in Texas.
For over a year, I have tried to get the credit bureaus to remove certain fraudulent information. They have refused. I have sent identity theft affidavits and police agency reports and requested a block of fraudulent information pursuant to section 605 ( b ) of the FCRA. All 3 bureaus have categorically ignored my claim and not placed the fraudulent information into dispute.

The following accounts are fraudulent and must be suppressed/blocked pursuant to 605 ( b ) of the FCRA or DELETED. 

XXXX  XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$5000.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$10000.00} XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX, {$4200.00} XXXX CARD XXXX DATE OPENED XX/XX/XXXX, {$6700.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$8000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$690.00} XXXX XXXX DATE OPENED XX/XX/XXXX, {$3500.00} In addition to these accounts being fraud they are ILLEGALLY being reported past the 7 year statutory reporting period.
I am in process of short sale of my property in XXXX PA, first mortgage is ready to accept the offered price but second mortgage is not accepting the amount authorized to them by HUD/FHA rules and need more or send the property to foreclosure. Second mortgage is being unlawful hurdle in the process, what are my options.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX that my delinquent account from XXXX for {$2400.00} had been sold to EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX. This was the first I ever heard from XXXX XXXX in over six years. I have been admitted for other procedures and admitting never mentioned there was an alleged past due amount on my account. I never received and past due/demand letter or contacted in any form. I have had the same address and phone numbers for over twenty years. Obviously, I never afforded the opportunity to contact my insurance carrier or the hospital to determine if the charges were legitimate and if so, who 's responsibility the charges were ... the insurance or me. Now EOS CCA has contacted me and demanded payment and threatened to damage my credit and in fact has reported the debt to XXXX. My attorney has advised me that per the Texas Civil Practices & Remedies Code that the statue of limitations on the alleged debt is four years and the debt occurred over six years ago.
I believe the bullet points below summarize my complaint XXXX XXXX sent me one bill 6 years ago, that I reasonably believed was the responsibility of the insurance company. I fully expected to receive another bill after insurance had paid their share. When I didnt receive one, my reasonable assumption was that insurance had paid it in full. Now the hospital has sold my account to EOS CCA that is trying to collect a debt that, per the statute of limitations, is no longer collectible. Even though, per the law, the debt isnt collectible, they have threatened to report me as delinquent to the credit bureaus. o This is a deceptive practice in that I was only given one notice of the debt in 6 years where I had every reason to believe was satisfied by my insurance company o Its also an unfair practice for the collection agency to report a debt as delinquent as an uncollectible debt cant possibly be delinquent. o Its an abusive practice to threaten to harm my credit standing over an alleged debt that I have no legal obligation to pay
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX, XXXX, XXXX, XXXX XXXX, and XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I paid off an old mortgage with Wells Fargo on XX/XX/XXXX. At that time, I also had a checking account that I was using to make direct deposits, move funds over via ACH, etc. I opened a new mortgage with Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo abrupbtly closed my account with no warning. On XX/XX/XXXX, my company attempted to make a direct deposit to my account for {$1000.00}, which caused the ACH to be rejected, since Wells Fargo had closed my account. This caused me great strife having to contact various departments in my company to reverse the ACH, as well as establish a new relationship with another bank due to having no where to send this part of my payroll. I nearly missed mortgage/credit card payments, too. I called Wells Fargo to ask for an explanation. The only response I was given was, " You no longer have a mortgage with Wells Fargo. '' This was clearly incorrect, as I had already opened one with them ( my current mortgage ). I spoke to a supervisor, who was equally less helpful. They offered me no support or anything to rectify the situation. I am deeply troubled by this pattern of behavior at Wells Fargo.
Per the Equifax XXXX website, I was involved in the Equifax data breach. My personal information was stolen without my knowledge or consent. I take issue with the fact that this theft occured between XXXX XXXX, yet information about the attack was only made widely available in XXXX. Equifax holds responsibility for this cyber attack by not having proper cyber-security. In addition, unlike most other companies, Equifax in not something that one can easily opt out of. If one has ever requested credit for a mortgage, student loan, etc., then Equifax XXXX as well as the other XXXX credit bureaus ) have all of one 's personal information on record. I would not have chosen to give Equifax any information if I had a chance. 

My identity could be stolen at any time for the rest of my life. Thanks a lot, Equifax. 

I have signed up for Equifax 's free year of credit monitoring. 

PS : since this is a gov't website, can I provide a suggestion? I think it 's time to scrap the whole SSN system and either re-issue a new SSN to everyone in XXXX, or to use a different system for linking financial records to individual people.
My bank account is at Citizens Bank. I reside in XXXX. I have had this account for XXXX years. At first I might show an overdraft at the beginning of the year when my health deductibles had not been satisfied. Each time I was charged {$35.00} to {$37.00} dollars overdraft. I had my debit card management changed so that the transactions world not go through if there were insufficient funds as I was unable to tell what the bank was doing. My paycheck is electronically transferred over night on Thursday to Friday. I had my mortgage payment bill pay set to go out the day I got paid for years and never had a problem. Last year I decided to link my savings account to the checking account to decrease the overdraft amount from $ XXXX to {$6.00} to ovoid the XXXX quarter phenomenon. Well, I began to bounce checks on a regular basis including the mortgage payment which I knew was traditionally paid on payday. I called the bank and got some story about the items being entered as they come in and the payment must have been entered first. Recently, I paid a painter {$400.00}. I told him the check will be good the next day on Friday after I get paid. Citizens bounced the check and something like that had never occurred prior to hooking the savings account to the checking. I have a long history of accounts at XXXX, XXXX XXXX and an XXXX XXXX XXXX and never bounced checks because of careful planning. I am unable to plan payments anymore at Citizen 's bank nor am I able to track what the Bank is doing because my web access does not show that. Thus, they are enabled to shift income and payments to overdraft my account. For hard working, responsible individuals, such as myself, this makes it impossible to manage a budget and it smacks of thievery on Citizens Bank 's part. Can you assist?
My wife and I began a refinance process on our house XXXX. We currently live XXXX and are renting out the house. We were interested in lower our interest rate. The entire process took 5-6 months. A lot of delays on the bank side, very unresponsive and we feel we were treated unfair. We went through XXXX underwriters because the bank themselves acknowledged prior ones were not communicating/working out properly. We received multiple Hud Statements, but we were told not to worry about the information on it until the last XXXX came. Thoughout the entire process, they kept requesting same paperwork over and over, not only from us, but from my employer- who was becoming very irritated. After escalating our loan to supervisors/managers - we were told we did n't qualify, only later to find out it 's because some of my income was not being used. Which they did a very poor job in communicating that- the loan was finally approved - after the asked the proper questions to my employer. Once the final Hud Statement was sent- it turns out that We were being charged for Extensions - added up to about {$2400.00} - which was NEVER communicated to us- yet they claim it was. Interest rate was higher- because we were taking cash out - which was NEVER communicated to us, yet they claim it was. Once we finally closed, there was a loan that needed to be paid off, in order to qualify ( which was poorly communicated to us ) - we assumed the check would be sent to the finance company, but it was n't, we kept checking to make sure it got paid, and did n't find anything out until we reached out. We were then told that the check was sent to us, but that it was sent to the wrong address, so it came back and it needed to be sent again. We asked why this was n't communicated to us, no answer. the loan was with a XXXX, so we could n't quickly get it to them - we had to overnight it - I asked what the bank planned to do about this error. They said nothing- but I later received a call saying they would send me a {$50.00} gift card. I explained I was very disatisfied with everything, and that I am not looking for a {$50.00} gift card, but for all the extra fees we had to pay. Nothing was done. A few days after closing- we were called by the notary - saying that a witness was needed on the closing - that was not done initially- she advised us that the bank gave a very tight window to complete- so I had to leave early from work and meet her at a Bank branch. 

If I had the luxury of going with another company, I would have, but after promise and promise, they kept dragging us along, plus, we were in the middle of buying another house. We planned on going with the same bank, but after this experience, and then being told that they could n't close on time, we went with another company. We really could not afford to start the process all over again with another company, we did not have many options.
Synchrony Bank has suspended all charging on my accounts. They stated they needed to verify my income. They submitted a XXXX to request my XXXX transcripts. The letter stated it would take XXXX days from the return of this form before I would hear back. The letter was returned over XXXX days ago and to date I have not received any correspondence or able to get any answers to my phone inquiries. last phone inquiry was today XXXX. XXXX the customer service agent advised there was no update. Please note all of the accounts Synchrony Bank has suspended were approved via their automated system and cards were mailed out to me. All information including income was truthful
On XXXX I opened a US Bank checking account which was having the promotion..deposit {$500.00} or more in direct deposit and after 60 days they will reward me with {$120.00}. I had used the correct promotion also. I had the {$500.00} direct deposit XXXX ( from my employer i.e. salary deposit ) i.e. within 60 days ... I was suppose to get {$120.00} on XXXX ... i followed when not getting {$120.00} ... this week got the response that they wo n't be giving me {$120.00} as I opened the wrong checking account-what??? But i had the promotion code applied -if i was opening the wrong account with the right promotion code on the website ... why the website did n't stopped me ... i already called the customer service ( phone call as well as chat ) -nobody told me that at the time of opening the account ... ..so they are just making an excuse not to pay me {$120.00}. i fulfilled all the rules and played by their rules book ... but now they are denying me the promotional bonus that i deserve ... .essentially speaking they are confusing the customer if they ca n't convince them.
XXXX XXXX is the business and the date is XXXX XXXX, XXXX! I wasnt even in Kansas and if i was i lived in XXXX  XXXX, Ks! The amount is XXXX dollars and its fraud! The company is XXXX XXXX
Reporting Inaccurate information on XXXX Credit Report. 
Regional Acceptance account is reporting inaccurate information on my XXXX credit report. They have on my XXXX report that the Open date was on XX/XX/XXXX. But on the payment history there are no payments reported from XX/XX/XXXX to XX/XX/XXXX. I have disputed this with XXXX and every time they say this information is accurate. How can i have a car loan with Regional since XX/XX/XXXX but the car payments i made to them are blank from XX/XX/XXXX to XX/XX/XXXX
Th e National Credit System cl aims that I owe debt. I do bot get the news from them but from my friend. They harassed my friend, telling him that I owe a debt and I did not pay for it. This really embarrassed me. I never owe a debt and do not pay for it. I called them and argue with them. I asked them to verify the debt first. However, I 've never heard them since them. Several months later, they just reported to the credit bureaus. I really can not believe it. First of all, they contacted and harassed my friend before they told me about the debt, which definitely break the law. What 's more, it is not right to report the debt to credit bureau before notifying me, especially when I asked them to verify it. I do not recognized the debt at all. I think they did it completely wrong. As an individual, I will stand up for myself and never pay a debt that does not belong to me.
XXXX president XXXX XXXX as attached she admitted to the types of activities that XXXX, XXXX, XXXX XXXX, XXXX are involve IN MD. 
Photoshop BWW LAW FIRM AKA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX????, XXXX ( assignments from indecomm global services and claim are worthless. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, two completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. 
The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
The Foreclosure Complaint conceals facts and is deliberately disoriented to sow confusion that at it states the Mortgage
A delinquent XXXX account in the charge off amount of {$19000.00} showed up on my credit report. It was disputed immediately as the name reported does not belong to me. The first and last names are correct, however the middle initial is not, nor is it an initial I have ever used in any of my records. The address connected with this account did not belong to me as well.
The representative called us and presented himself as a " mediator '' and discussed arbitration proceedings. When asked if he was a court-appointed mediator, and if not, what company he worked for, he avoided the ( repeated ) question, he quickly hung up. It took two call backs for them to identify themselves as " XXXX XXXX, '' a debt collection agency. They were attempting to collect a debt owned by Perfection Collection, which was originally owned by a security company, XXXX.
XXXX is listed as a hard inquiry on my Equifax report it was done on XX/XX/XXXX since then I have been working on getting it removed as it was not authorized by me I sent a letter by XXXX dated XX/XX/XXXX and one from XXXX XXXX with my cover letter where we all asked them to remove it as it is a error XXXX and XXXX have removed- but in two phone calls Equifax is refusing to do so even though we have provided in writing the request they ask for. they placed it on there report and now have been giving the info from all parties to remove a error. this is totally unfair to me as I did nothing wrong they should NOT be allowed to report incorrect info period not fair to the consumer which is me I also have a XXXX card one that should be removed on XX/XX/XXXX as the two years is up thanks XXXX XXXX XXXX
I schedule regular payments through my bank just over the amount typically due. When my statements comes in I make adjustments if necessary, ( happens occasionally due to escrow fluctuations ). I did not receive a statement for my XX/XX/XXXX payment.. The XX/XX/XXXX payment processed through my bank for {$1300.00}. My XX/XX/XXXX statement claims that I missed a payment and my amount due is now {$2800.00}. My payment due went up to {$1300.00}. This would indicate that they received nothing from me for the XX/XX/XXXX payment. And they attached a {$41.00} late fee on a payment that was short @ {$75.00}. I don't believe that it's a coincidence that the only time I didn't receive a statement coincided with an increase in the amount due. Di Tech just went through Chapter XXXX. I don't believe this is an isolated event. 
Thanks for your attention,
CACH LLC did not validation for this debt. I do n't have any sign document or any business with them. on my credit repot claiming unpaid debt by CACH LLC.
I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / Equifax & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / XXXX & Equifax and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as Equifax & XXXX always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.
On XXXX XXXX XXXX, I obtained a Loan Modification with Suntrust Mortgage that fixes my interest rate in 2.75 % for the whole term of my mortgage. As part of the agreement, my monthly payments from XXXX XXXX until XXXX XXXX were in the amount of {$1000.00} plus escrows ; however, recently I received new Statements from SunTrust Mortgage for XXXX month showing a payment increase of