WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have a mortgage that is serviced by LoanCare ( a XXXX company ). Using their web site MyLoanCare.com I attempted to make my mortgage payment as I always have on XXXX XXXX, XXXX in the amount of {$1300.00}. According to their site records this payment was reversed on XXXX XXXX, XXXX. I looked thru my bank statement during this period of time and I am not showing that a withdrawal was ever even attempted. I logged in again to attempt to correct this on XXXX XXXX, XXXX and made another payment of {$1300.00} which also show on their web site as reversed on XXXX XXXX, XXXX, again with no record on my bank statement of ever being attempted. On XXXX XXXX I received a phone call from LoanCare telling me that the payment had apparently not gone thru still. I asked the woman how this was happening as I had never had an issue making payments on their site before in the almost 6 years prior. She told me I must have typed in the routing number or account number incorrectly which seemed unlikely as the web site makes me confirm these and it had never occurred in the past. I continued making my payment since then and have not had an issue again with the web site. 

I later discovered that LoanCare was reporting a 60 day mortgage late which has greatly hurt my credit score and ability to purchase a new home. As this was caused by some sort of web site error I called LoanCare on XXXX XXXX, XXXX asking as a one-time courtesy that they remove the 60 day mortgage late they are currently reporting from XXXX XXXX. I was told I must e-mail them making this request which I did that same day. I was informed by the woman and confirmed via e-mail that I would receive a response in 10 business days. I never received a response. I also called their executive office and left a voicemail at the number XXXX on XXXX XXXX to see if it was possible to expedite the process in any way. That has also gone unreturned as of today. I have called multiple times again since then but the woman 's mailbox is full on that number so I assume I will not be getting a call back from her any time soon. 

This is the only late reporting on my credit with LoanCare. They have no automated system set up to inform the consumer if their web site decides to decline a payment as it did here. They are in my opinion one of the worst servicers of mortgages I have ever had to work with and their customer service is awful with hour plus wait times to speak with someone at times. At first I thought they were a nuisance but had I known they would damage my credit with their outdated and cumbersome online payment system I would have refinanced years ago and paid a higher interest rate just to get away from them. They bought the servicing on my loan and it has been a nightmare even since that is now stopping me from purchasing a new home due to the inaccurate 60 day late on my credit score. The CFPB is my last hope as my calls, e-mails and voicemails have resulted in no help or the majority of the time are n't even returned.
Dear Customer Care, I have no knowledge of this account. please remove this from my credit profile. 

thanks XXXX
Never received certain items that were billed. They sent my to collections and XXXX deleted the case. Now they are sending new information. I have spent countless hours with this to no avail. I paid for the items I recieved
Harassing phone cal ls from Delta Outsource Group b y  XXXX   XXXX  who claims they are representing   XXXX   XXXX   XXXX   XXXX  .
I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. XXXX and XXXX have the account still open. On the invoice it has the check bad in XX/XX/XXXX and it 's been reaged to XX/XX/XXXX. Experian, XXXX, and XXXX have it reaged.
I had a business account with PayPal, which I used as a credit card processor and had a Debit Mastercard to access funds. My account had a negative balance on it, which is why they would keep any funds transferred on to that account. However, after a short time and without any notice sent to me, I was no longer allowed to login to my Paypal account. When I follow the website 's prompt to I contact them via email, their website requires me to login. Furthermore, because of this problem, I am unable to access my financial data for FY 2015 and any necessary documents or information for my tax filings.
XXXX Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.
XXXX  XXXX XXXX is currently managing my loans. I have been in contact with them and on the phone every month since XX/XX/2017. My loans were being serviced by other companies before I transferred them to XXXX  XXXX XXXX, and they continue to tell me that my loan payments from the old service companies " have to be processed '', but they have been telling me the same thing for 8 months now. I have made 120 on time qualifying payment, but most of them were to other service providers before I transferred to XXXX XXXX XXXX. The biggest problem for me is that have been family planning for years and setting up not to have to continue to pay on these loans, expecting them to be forgiven. Any help would be appreciated.
The representative stated I had no right to dispute : only that I had to pay a 7 year old {$84.00} bill
This debt to diversified was paid based on my agreement with them. They were supposed to forgive the XXXX and i paid them the XXXX the beginning of XXXX to process XXXX XXXX. The Supervisor i talked to said she was going to have them hold the account there since they had the payment in hand. XXXX sold me faulty phones and then all my identity info was hacked into in their system. I am trying to refinance my home and need this collection removed since it is inaccurate.
I started the loan in XXXX XXXX with a car purchase price at right around {$21000.00}. I have been paying the loan since then XXXX 5 years XXXX, quite often making late payments but always tried to pay something. The car was repossessed a couple of months ago in which I paid the past due to get possession of my car again just a few days later. It is now XXXX of XXXX and they are saying the pay off of my car is an estimated amount of {$14000.00}, which I have been paying on for 5 years and the original price of the car was under {$21000.00}. So according to them and their pay standards I have only paid {$6000.00} towards the original cost of my car. 
I feel that it 's almost illegal the interest, fee 's and etc. cost I am being charged for this vehicle and believe something can be done about this.
I submitted a complaint to this company on XX/XX/XXXX with an extremely in-depth case and proof as to why this debt should be removed immediately from previous medical reasons. 

The company responded on XX/XX/XXXX and said " We have closed this account and ordered a deletion from all the credit bureaus to which we provide credit information. '' I expected the company to honor this, however after re-reviewing my credit report today it looks like the company has still reported this as of XX/XX/XXXX on my XXXX Credit Report. I would like to have this removed immediately as they've already stated they would do so. 

Thank you for your help. Please see the attached image.
On XX/XX/XXXX @ XXXX XXXX PST I sent an email to coinbase support due to my missing wire transfer that was sent on XX/XX/XXXX by my bank. AS of this date XX/XX/XXXX my wire transfer has not made it to my coinbase account nor has it been returned. My bank and I have made numerous attempts to get the wire transfer returned and according to coinbase web site all " back logged XXXX '' issues have been resolved yet here I am still waiting for the return of my {$10000.00} wire transfer. After no help from Coinbase and reaching out to Coinbase bank XXXX XXXX   without success ... My bank sent an email compliant to compliance officer at XXXX XXXX on XXXX XXXX, XXXX and have heard nothing as of today. The outgoing wire info was sent to compliance officer to investigate. On XX/XX/XXXX I rec 'd an email from " XXXX '' from coinbase customer service sending " apologies '' for delay in response and if my issues with wire transfer had not been resolved to respond to the email and they would resolve it ASAP. I immediately responded and as of today no further response and my {$10000.00} wire remains in their hands not mine! I want my wire transfer returned immediately. They said in XXXX if the account name, acct number etc didn't match exactly all wires would be immediately rejected and returned. My husband sent the wire transfer to my coinbase account and the bank put his name instead of mine. This error should have immediately caused the wire to be returned according to both banks & coinbase web site ... but it was not nor was it put in my coin base account or my husbands coin base account. Coinbase takes 45-50 mins to answer the phone and when they finally answer the phone no one can help nor can they forward you to anyone that can help ... .they simply say you have to wait until you receive an email to your concern. I have attached many documents and have many more if needed to prove my case.
Starting on XX/XX/XXXX, Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with XXXX and XXXX, but the results came back verified. After talking to Chase twice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all 3 bureaus. Following is the list of inquiries : XX/XX/XXXX CHASE CARD PXXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX
I ask to XXXX, XXXX and XXXX for my annual credit report and I found out that this collection company by the name MIDLAND FUNDING with address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX with phone number XXXX have my personal information and make a report to my credit that I owned money to XXXX creditors the first XXXX is XXXX with account number on my credit report XXXX and to original creditor XXXX with the account number on my credit report XXXX. Originally I never did a contract with Midland Funding or authorized them to work with my personal information. The debt that I had with XXXX it is already too old passing the 7 years and the XXXX with XXXX is illegal because I do n't know them or did any contract or agreement with them in the pass.
My car was missing on Saturday ( XXXX/XXXX/2015 ), therefore call Bank of America 's Loan department for explanation and I spoke to XXXX. I gave her the account number and she told me that it was not on the repossess list to call the police. I explained to her it should n't be however I want her to double check because I want to avoid filing a false police report. She placed me on hold while she spoke to a supervisor. She explained to me my car was repossessed in error. She told me only cars that are 90days passed due are repossessed. The way she explained was similar to my understanding. She gave me a number to call on Monday since the repossession department was closed on the weekend. She assured me I would not have any issues picking my car up on Monday. I called the number XXXX ( Repo Dept. ) and they were rude and dismissive. So I called the auto loan department for help three times and they transferred me back to XXXX against my wishes. I spoke to XXXX, XXXX and XXXX at the repo dept. and they both denied I even called on Saturday. However I am aware that a large bank such as Bank of America likely keeps call copy and a record of customer calls. They continued to insist I pay the repo fee of {$400.00} and additional fees that added up to {$750.00}, which is unfair because XXXX on Saturday and per the term of the loan agreement my car was repossessed in error. My card should be released to me immediately.
ERC hounded me for months for account that was n't mine. It was XXXX account that nobody can provide me with any information on! Account number belonged to someone else! XXXX said it was someone elses XXXX account. ERC hounded me {$48.00} and reported me to XXXX! I paid ERC {$62.00} in XX/XX/XXXX they agreed to remove it from my Credit report!! Now XX/XX/XXXX and it 's not removed! Called them again and they say Sorry that I have to wait another 45 days to remove it! It 's been paid for in full plus Since XXXX! This account was n't even mine.Can you please help me? How can they do this? They agreed to remove the whole thing! It was n't my bill! But easier to pay it than try to fight it. HELP!!! Thanks Its ERC out of XXXX Florida.Im a XXXX . This is my reputation on the line I Pay all my bills! and this {$48.00} collection account is ruining more than my Credit! Been fighting this for years and PAID it just to get it Off my Credit report!!! HELP how can they do this?
My wife has a bill from XXXX for {$5800.00}. She has been paying the bill {$870.00} in XX/XX/XXXX, {$980.00} in XX/XX/XXXX, and {$980.00} in XX/XX/XXXX. This morning She received a letter from Credit Systems International that they have the account now and what total payment of the bill. Is this legal in the State of Texas
In XX/XX/XXXX, Capital One Bank, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.
ATTENTION : EQUIFAX DISPUTE DEPARTMENT To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 

The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX : XXXX The account balance is incorrect, please delete. 

XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX : XXXX The first date of delinquency is incorrect, please delete. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE / UPDATE the above accounts as quickly as possible.
I recently viewed my credit reports and the company Portfolio Recovery has been reporting and also trying to collect funds on a old account where XXXX XXXX is the original creditor. The first amount is for {$4400.00} and the second amount is for {$810.00} Portfolio Recovery Associates is not licensed to collect in Florida according to the Florida Office of Financial Regulation. So therefore any collection efforts should cease and any collections reported on any of my credit reports should be removed.
In XX/XX/XXXX I began receiving federal student loans to help pay for college. I initially received my loans through XXXX XXXX. At some point in the last 5 or so years, Navient bought my loans and I began to pay them. I believe this complains is aimed at Navient. I worked as a XXXX XXXX for the County of XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. During that time I was making my student loan payments under the impression that I would qualify for the XXXX  XXXX loan forgiveness after 150 ( or 160, I forget the exact number ) payments while working as a qualifying XXXX XXXX. Sometime last year, I believe in XX/XX/XXXX, I reached the required number of payments and years of service, qualifying for the loan forgiveness. I contacted Navient almost immediately after the final payment necessary and was essentially told that the name of the loan was wrong. I had federal loans, but the excuse I was given was essentially something along the lines of, your loan is named loan1, and in order to qualify, your loan would need to be named loan2 I was told I could have them change the name of the loan and begin the 150 payments all over again from that point and I would qualify for the forgiveness when I reached 150 payments, again. At the time of this news I think I only had a balance of around {$2500.00}, so I just cut my losses. A couple of weeks ago I fully paid off my loans so as to never deal with these people again. I have XXXX balance with these people but I still perceive this as a colossal injustice after being promised something and holding up my end of the deal. Thank you for your time.
I filed a dispute with the Army & Air Force Exchange Service regarding the date I opened my account. I asked for a copy of my application, but they ignored my request for a copy of my application. They stated that the delinquency was correct and I am disputing that the dispute date is incorrect and the date that I opened my account is incorrect. That is why I am requesting a copy of my application. Please see page 20 for the dispute information.
XXXX sent the wrong internet equipment and when i didnt use it they charged full price and wouldnt take the equipment back. When i attempted to buy a home a sent a settlement pay of XXXX just to clear my credit and the transferred it to a collection agency. The payment was supposed to be forwarded to the right people but was " lost '' in the mail for months. I finally stopped payment which cost extra they somehow found the payment and sent it back to me. I had a lawyer notify the appropriate dept and the entry was removed from my credit.
I had countously time called and talked to Navient about them helping me start a repayment plan that will be affordable for me. After speaking with them I told them to help generate a report for me to see so I can see it in detail but I never recovers anything. So when I tried to connect with them again regarding the report and the repayment program, they kept saying that they will have something for me in the next few days. Then when I saw the new payment reflected my account I had to pay, it was more than what it was the first time theyre charging me. Furthermore, I reapplied for the repayment plan and then all of sudden they came up with XXXX dollars for me to pay so I went and go ahead and paid for the first two months now and when I looked at my account history he two months Ive been paying for was only Going towards the interest to the organization and not even towards my principle I took out. Im very frustrated and I need your help to demand them to stop my loan. Its something I can not trust them with anymore. Please contact help me with what you can. Thanks you!
Dear CFPB, today, XXXX XXXX, 2015, I recieved via regular mail, harrasing letter from a agency called XXXX XXXX, XXXX concerning a debt that I have no knowledge of. I will be sending this agency a debt dispute and a letter to stop harrassment through the mail.
Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called Reg adjustment bureau. The next morning I called them, they claim to be collected for a company called XXXX XXXX XXXX XXXX and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to XXXX XXXX XXXX XXXX, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither XXXX XXXX nor Reg adjustment Bureau is taking responsibility for adding that mark on my credit report. Reg Adjustment Bureau is asking me to pay them XXXX to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.
I filed a previous complaint on XX/XX/XXXX against professional debt mediation and received a response on XX/XX/XXXX how ever the information sent to me was another person idenity I still have not had my complaint resolved but some one else 's idenity
The CFOB has to put an end to the practice that allows debt buyers such as Cavalry Portfolio Services to post collection accounts on credit reports as well as the original creditor. The FICO scoring systems make no distinction that this is the same account that has been paid, they view it as XXXX separate derogatory accounts. Cavalary is reporting a derogatory collection account and the original creditor is reporting a charge off. So according to the FICO scoring systems there are XXXX derogatory accounts instead of XXXX. You have to put an end to this practice of doubling up on the damages. XXXX has refused to delete their derogatory trade line even after they were paid! I never had an account with Cavalry, I never broke a contract with Cavalry, I never had any kind of business relationship with this company. They paid pennies on the dollar for this account hoping to make a huge profit, which they did! And now even after they are paid and made a huge profit they want to continue to damage my credit for the next seven years. That is absolutely insane. 

You need to reign in these debt buyers and stop letting them report the same account multiple times. If Cavalry buys this debt then the original creditor should delete their reporting. It is crazy that these debt buyers are allowed to get away with this and destroy peoples FICO scores in what amounts to an extortion racket to coerce more money from consumers. Then even after they are paid they continue to damage FICO scores, causing thousands of dollars more in interest payments. 

I demand that Cavalry delete their negative trade line from all of my credit reports and you need to take a serious look at putting an end to this practice industry wide.