WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was transferred to a new 3rd party company through Paramount Mortgage. It was not made clear what needed to be done on my end with the loan transfer. Received a call from Paramount stating that we were behind on payments and realized that the automatic payment from the first loan was no longer going through. After calling it was learned that since it was a whole new loan number we needed to re-do all paperwork for payments once again. 
After attempting to set up automatic payments on their website, there was a glitch in the system that would not allow the set up with the new account. Daughter attempted to call and was also advised that her status of being an approved contact on the loan was also not transferred which has started a 6 week process of multiple people handling the loan and not one same answer. 
Daughter was advised she needed to email in the power of attorney. She specifically asked if she needed to provide this for both people ( me and my wife ) on the loan or just one. Only for one. This information was then sent in. 
Daughter attempted to call again to make a payment. She was advised that there was missing information and she was not an authorized person on the account. Person would not provide any other information and said to wait 7-14 business days to get a letter of what we were missing. 
Another call into the company.They needed an hand written note and signature from me that I accepted the power of attorney ( even though that is what the power of attorney is ). Daughter drove two hours to get this signature. This information was sent in. 
Daughter called and was advised that she was now an authorized user and discussed details with her on the account so we can attempt to set up bill pay to get us current on the loan. The bill pay did not go through. 
Daughter attempted to call again to make a payment. She was advised that there was in fact missing information and is now no longer an authorized user. Now advised that the power of attorney was for the wife, but had my signature ( wife XXXX can not sign ). Requested power of attorney for me. This information was sent and we are now waiting. Payment was also sent by certified mail since other options have not worked. 
Each time Paramount is contacted, we have received different information. We can never reach the same person. And there is absolutely no consistency with the training of the employees. I even had someone give me a fake name " XXXX '' to use them as a contact and they would personally follow up with me and the case and it never happened.
Hello. Back in 2013 I visited the XXXX XXXX XXXX XXXX. I have insurance, but the hospital never ran my insurance and they sent my account to collections ( Senex Services ). I received a letter from the collections company and paid the bill in full immediately. At the time I made my payment, I was told by the representative that the insurance was not an option at that point and I was responsible for making the payment and that was the only way to get the bill out of collections and off my credit report. I paid the bill in full at that time. The representative said the derogatory remark would be removed and my account would be noted in full detail as to why I was even sent to collections in the first place. They never removed the account. I have called three times to talk to a supervisor and was told they would remove the account but that has still not happened. This account is not legitimate and should be removed from my reports immediately. I was told by the rep who took my payment that by me paying directly to Senex and not through the insurance, that this would be removed from my credit report. I was told a lie. I expect this record to be removed immediately.
Midland funding purchased a a past due account in XX/XX/XXXX and began a very aggresive collection, on a debt that originally began in XX/XX/XXXX, per the letter attached In XX/XX/XXXX they elligally placed a Judgment against me violating a fair credit act, which states that they can no longer collect or report past the 7th year they need to remove the judment within the next 10 days and XXXX needs to remove it from it 's credit reporting Thanks XXXX ( XXXX ) XXXX
I have on several occasion disputed this collection debt with Valley Credit Service Inc. I have asked for documents with my signature via a debt validation twice and they have only supplied me with a bill that was {$480.00} and now they want {$690.00}. They have reported this to the credit bureaus and failed each time to submit docs with a valid signature of mine showing that this debt was mine. We are military and they cover my XXXX so I know this was bogus.
In XX/XX/XXXX I applied for and received an online loan from BlueChip financial DBA XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could I contacted the Indiana department of Financial Institutions, the Federal Trade Commission and the Consumer Financial Protection Bureau. It seems that XXXX is NOT licensed to do business in the state of Indiana, charges illegal amounts of interest and does not recognize federal and state laws. Tribal law does not supersede state or federal law especially since Im not a member of the tribe nor do I reside on the reservation. BlueChip financial also violates the federal law against, deceptive and abuseive practices. Which in turn means that my loan is NOT legal, NOT enforceable and it is NOT collectible. Upon receiving this information I contacted XXXX via phone and told them what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said that a case manger would look into this. I wasnt given any time frame or even the persons name. I then contacted XXXX XXXX XXXX- I spoke with XXXX , who said he was the manager, he was very rude and basically said that they have money on this account and I needed to pay. I advised him that the loan was ILLEGAL making it null, void and uncollectable but he insisted that this legal for them to report this to the credit bureau. I have since then filed disputes with the credit bureau.
I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XX/XX/XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XX/XX/XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a XXXX XXXX XXXX with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!
Agency keeps calling me stating I owe them money for an account that they state was sold to them. I believe the debt not to be mine and am requesting a full validation of debt, original signed agreement with original company, and full list of all charges that were made.
The servicing of my mortgage was transferred to Bayview Loan Servicing XX/XX/XXXX. The loan is a 10 year interest only note that originated XX/XX/XXXX, with the interest only period beginning XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX Bayview sent me a notice stating that the interest only period of the loan had expired and payments were now required for principal and interest. I contacted customer service and notified them of the error in servicing, the customer service representative reviewed the note and amortization schedule and created a case for review agreeing that the loan was still in the interest only period. On XX/XX/XXXX, I received a letter from Bayview providing all of the supporting documentation with the section stating the interest only period started on XX/XX/XXXX, then concluding that the XXXX period interest only period has expired. I have spoken with multiple supervisors who have all committed to resolving the issue, but the issue has not been resolved. It is hard to believe that this company can stay in business with the demonstrated level of incompetence, which brings the concern that they are in fact maliciously mis-servicing loans to fraudulently force people out of unfavorable loans for the servicer.
I deposited a check for XXXX on Sunday XX/XX/XXXX. This check was from XXXX  XXXX XXXX and written from Bank Of America as well so it should have cleared on time. It didnt. When I deposited it, it stated it would be available the next business day, which would be Tuesday XX/XX/XXXX because nothing processes Sunday night. When I deposited it, it also said it would cover transactions posting on XX/XX/XXXX. Well, as usual, BoA has lied to me again. The check that was supposed to clear today, XX/XX/XXXX now days it will clear on XX/XX/XXXX. But my main issue is they, once again, charged me an overdraft fee for something that posted on XX/XX/XXXX, even though I still have the email that CLEARLY states it will cover anything that posts XX/XX/XXXX. Im tired of BoA and the lies they tell and all the money they have quite literally stolen from my account. I will be closing my account with BoA as soon as my income taxes are deposited. I will be withdrawing all of my money and letting everyone I know NEVER to use BoA because they lie and steal from their customers.
*In XX/XX/XXXX I noticed an " ACCOUNT VERIFIED AS ACCURATE '' with an ( NON UPDATED ) DATE OF XX/XX/XXXX on a TRANSUNION CREDIT REPORT ISSUE DATE OF XX/XX/XXXX. 
* Inquired/sent letter with RETURN RECEIPT DATED XX/XX/XXXX *REceived RETURN RECEIPT back from TRANSUNION DATED XX/XX/XXXX * RECEIVED TRANSUNION response as ( VERIFIED AS ACCURATE ) ** ACTION WAS TAKEN BY TRANSUNION ** to  update error to updated date of XX/XX/XXXX from current report of XX/XX/XXXX TRANSUNION REPORT ) AND I HAVE READ THAT THIS ERROR OF NON UPDATED ( DATE ) IS A VIOLATION and INACCURACIES SHOULDBE INVESTIGATED AND NOT SIMPLY UPDATED BY XXXX XXXX STANDARDS.
Ace cash express I have a balance {$1500.00} in XX/XX/XXXX now XX/XX/XXXX they want to say my balance is {$5600.00}. I try to pay it back but I will never finish with that intres I call over and over and they hung up on me telling me they sell my loan I call the number they give me and they want me to put down $ XXXX {$370.00} and pay $ XXXX+ {$20.00} every week like 30weeks of $ XXXX.= $ XXXX.they say if I do not pay it they going to get me for fraud take my driver license away ...
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX BANK 2. XXXX XXXX 3. XXXX XXXX XXXX   XXXX 4. XXXX XXXX/ XXXX XXXX XXXX XXXX 5. XXXX XXXX/ XXXX
My complaint is against JP Morgan Chase and its about how long its taking our Modification to be completed. It has been over 4 years, we started trials over and over and every time we get to the 3rd payment they pull the trial process and come up with excuses of needed more paperwork, information etc ... It all started back in XXXX we wanted to refinance and found out we owe more than what the house is worth. We had a 3 in 1 arm and also found out that our mortgage payment was only principle not interest so in over 3 years the amount to be owed went from XXXX to XXXX. No one explained our payments to us, we had a choice of paying 4 different payments. long story short now our house is up on the Auction block due to the fact that it has taken so long for our modification to go through. We do n't want to loose our house over some technicality this bank is doing, it should not take this long for a modification, and every time I call for a update I get a different person with a different answer its very frustrating. I have wrote letters to the bank and to higher ups, sent one to the governor of Massachusetts, I just want some HELP PLEASE
I was not properly notified whether or not I owed a {$280.00} XXXX bill that is now in collection and is adversely affecting my credit score. 

I had XXXX 2 years ago. I took a small break from their services and then I re-established service. I have maintained my account current at all times. When I took a break from having XXXX services I was not notified that I had a remaining balance due. When I reconnected services, I was never notified that I had an outstanding balance. I was re-issued service and I have maintained my bill current the entire time. I have recently reviewed my credit report and a {$280.00} collection appeared. I disputed the account because I did not recognize it. The account ended up being verified. I called the collection agency XXXX Southwest Credit System XXXX and they gave me an account number to give XXXX. They ended up finding an account that had a past due balance that is not linked to the account I have now. 

I feel that XXXX did not properly keep records of my past and current account balances even though the service was reconnected at the exact same address with all of my exact same personal data. As far as I was concerned ( and according to my monthly bill XXXX everything was current on my account. 

If I would have been notified that I had a past due balance at the time I disconnect, during my service break, or once I reconnected my service, I would have paid it. I have lived at the same address during that service break ( before, during, and after ) and I was never notified that I owed this amount. 

I feel that this is not FAIR Credit Reporting because now I have an account in collection that I never knew about. I even attempted to call with my current account information and they always told me that my account was current. 

If I would have been issued a regular bill I would have paid it but this collection notice was the first time I found out about this account.
I request and update on my credit report through the mail with a ( certified mail with receipt ), I have not received any information and it has been over 30 day
Our firm, XXXX XXXX, XXXX, has been monitoring our client 's request for mortgage assistance to Shellpoint to ensure Shellpoint 's compliance with Regulation X. For the past several months, we have been actively trying to save our client 's property from foreclosure through the loss mitigation process. This is the second CFPB complaint we have had to file in connection with this loan account due to Shellpoint 's failure to properly process our client 's loss mitigation application. Moreover, we have had to send several Requests for Information and Notices of Error in connection with the aforementioned failure. Shellpoint has failed to provide any substantive response to any of our correspondence since the last CFPB complaint filed. 
We sent Shellpoint our client 's complete Request for Mortgage Assistance Application via facsimile on XXXX XXXX, 2016. Additionally, a hard copy of the application and supporting documents were mailed via certified mail [ Tracking No. : XXXX XXXX XXXX XXXX XXXX ] to the address designated by Shellpoint for Loss Mitigation applications on XXXX XXXX, 2016. According to the U.S. Postal Service, Shellpoint received the hard copy application and documents on XXXX XXXX, 2016. Moreover, we sent a Request for Information ( " RFI '' ) to the address designated by Shellpoint on its website for such correspondence on XXXX XXXX, 2016 asking Shellpoint to determine whether the application submitted was complete or incomplete and to provide a list of any documents missing if any. 
At some point after, a Shellpoint representative called our client improperly despite knowing he was represented by an attorney and being instructed to respond by written correspondence only to our law firm 's address. After not having received any written notification regarding whether the application was complete or not, we submitted our first CFPB complaint addressing said concern and the lack of responses we were receiving from Shellpoint. Subsequently, we also called the representative back and instructed them again to refrain from directly contacting our client in any way and to only communicate with his legal counsel. The representative gave us a list of documents that were required in order to complete the review of the application. The additional documents were submitted to Shellpoint via facsimile using the number provided by the representative on XXXX XXXX and XXXX XXXX. Moreover, we sent another Request for Information asking for confirmation that the package was now complete with those additional documents on XXXX XXXX, 2016. 
As of the date of this complaint, we still have not received any confirmation from Shellpoint regarding whether the application is now complete or if additional items are still missing. Also, Plaintiff 's counsel in the active foreclosure has continued to pursue its efforts in obtaining a foreclosure judgment against our client while there is a pending loss mitigation review. We have sent several Notices of Error pertaining to this case since the last CFPB complaint was filed and still have not received any substantive response from Shellpoint.
Diversified Consultants call from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
a person from a company called ADR called and said they were trying to collect a debt on behalf of health management associates in the amount of XXXX. I said I didn t have a problem paying this but I wanted more information because I did n't know if they were scamming me. they I asked for the name of the original debt he said he did n't have that info and it was against the hippa law to give that info out. he said I was sent several notices and I said they were sending them to the wrong address and would they send me something to the correct address and he said no if I did n't pay this today they would be moving forward and sueing me for the full amount of over XXXX so I used my cc card and paid them. I asked him to tell me what doctor or hospital this was for he said he did n't have this information. I called them back and tried to get the name of the company and the woman hung up on me. I think I got scammed and I 'm in the process of disputing the charge.
This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, XXXX, I disputed how incorrectly XXXX XXXX XXXX ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, XXXX. This proves that this credit repository 's information is outdated and no investigation was conducted.
Hi, I am a chase checking customer. When I was opening my account, I remember the the agent telling me that if my account goes into negative, I will have until XXXX EST to deposit the required amount to avoid any overdraft fees. So I transferred the amount online by XXXX CST. But still they charged me overdraft for 2 transactions, totaling about {$68.00}. When I called them, they bluntly told me that for online transfers its XXXX CSTand for CASH deposits its XXXX XXXX CST and refuse to return the money back. I am afraid due to this insufficient fees, I might be charged another overdraft fees of XXXX $ as few transactions are pending in my account. Is there any way I can get the fees back??
This debt collection company out of South Dakota has been calling my previous employer, my father in Florida, my ex girlfriend from 20 years ago, my friends, and current employer and have been discussing personal imformation with them about my debts and my character. Saying they are investigating me for fraud and saying I owe money. This has made me very upset and I feel embarassed and personally violated. On Wednesday I called the company and asked them to stop calling and talking to other people about my personal business and to notify me in writing. They said they do not notify people in writing. Their phone number is XXXX. They assigned a case number to me. XXXX # XXXX
I have a loan with Tower Loan Company, due to a recent accident I have fallen behind however I am making the minimum payments, I just have n't caught up the past due. The company calls me repeatedly throughout the day. Sometimes XXXX or XXXX times daily. They also contact my family and friends as well as my place of employment to the same degree even though I have asked them to stop and I am making every attempt to pay the debt. They have threatened legal action as well as gone as far as to say if I do n't want to be embarrassed by their constant calls then I should try harder to get caught up. I have tried contacting them back, I am making my payments again but the calls continue.