WillisBack/dataset-financial-user-claim huggingface dataset:
I made two payments XXXX XXXX and XXXX XXXX in amounts of XXXX usd each for a total of XXXX for XXXX XXXX mortage of XXXX. ditech shows my account as late and after receiving call from their rep on XXXX XXXX, agent winsdor stated he saw the two payments and he would fix it, monday XXXX XXXX when i called the rep stated nothing was done and she would take care of it. on XXXX XXXX as promised by ditech it would be fixed i spoke with Supervisor XXXX, stated it was not fixed since they are having problems and would not be able to fix it for 30days. in the meantime they are sending me late payment notices. 
when i make my XX/XX/XXXX payment even after XXXX 's promise that payment will be applied for XX/XX/XXXX, i know it would default for XX/XX/XXXX payment. ditech is ir-responsible in their duties and should fix this problem instead of sending me late notices and making calls for why the late payment.
This is an issue concerning an international wire transfer. I had recently opened a basic checking and savings account with Bank of America. At that point, they had proceeded to give me a form titled " To Receive a Wire Transfer '', amongst other forms, in an official welcome packet. The teller then filled out the form, in regards to information such as " Beneficiary Account # ''. 

I then gave said details to my father, in order for him to fulfill an international wire transfer, so I could receive funds to pay for my school tuition. The number written on the form, in my opinion, was written down differently as to what the actual account number was. This lead to my father 's international wire transfer being rejected. 

My father had originally sent an amount of XXXX XXXX, which had converted to XXXX US Dollars, at an exchange rate of XXXX ( XXXX to US Dollars ). However, when the money was returned, only an amount of XXXX XXXX, after an exchange of XXXX US Dollars at an exchange rate of XXXX was applied, was returned to my father, which has led to a substantial financial loss of XXXX XXXX. 

After hearing about this, I immediately proceeded to go to the Bank of America branch, located on XXXX XXXX XXXX. After explaining my situation, I was told to wait for a long period of time for the manager to see me, repeatedly being told to come back at later times because she was not present. After finally being able to see her, I was abruptly dismissed from discussing the matter by her saying that that document was not an " official '' document and that it was simply a courtesy to me, as well as her telling me that Bank of America would not accept any liability for this. The meeting may have lasted for XXXX minutes or under. At this point, I ask you, how am I, as an unknowing customer, supposed to distinguish between what an official document is and what is not an official document when there is no clear labeling on any of the documents and does this warrant me losing XXXX XXXX, for a matter that I do not feel is my fault? 

After this incident, I explained to my father what had happened and he proceeded to go get his own explanation from his bank manager, XXXX XXXX, at XXXX, XXXX branch. He then told me that in order for an international wire transfer to be submitted it requires both a valid beneficiary name and beneficiary account number, which as you by now know was not present. If those aforementioned details are not available, the transfer amount is simply rejected and returned with no charges or internal exchange rates applied, except that of the administrative charges associated with international wire transfer, which in this case should be XXXX US Dollars. At this point, I have proceeded to approach you, the Consumer Financial Protection Bureau, to help me in resolving this case. Thank you.
In early XX/XX/2018, I received a letter from Wells Fargo informing me that my local branch was closing and that I would have to clear out my safe deposit box. On XX/XX/XXXX, I was charged XXXX for an annual fee for the deposit box. The branch closed in XXXX. I was never refunded for the service charge for a safe deposit box that I could not access. On XX/XX/XXXX I called and after 45 minutes received a credit for the service charge for the deposit box. On XX/XX/XXXX, Wells Fargo rescinded that credit without explanation and debited my account without authorization. They have charged me for a service I never received and wasted my time by forcing me to endure hours on the phone only to reach resolution and have it taken away. I had to call again on XX/XX/XXXX only to have the same treatment.
I am a rushcard holder, and two weeks ago there was some type of glitch with their system once they upgraded their technology. Because of this, I was unable to gain access to my funds that were supposed to be direct deposited the day before. I also was not able to reach anyone at Rushcard for several days, and still have been unable to reach anyone as of today. 

This caused my bills to be late, and I am now trying to play catch up on the expenses that I had during that time.
Repeatedly charged {$99.00} fees without explanation, despite sending on-time payments. Wrote to company, but did not receive response.
On XX/XX/XXXX I called Transunion to ask for the inquiries to be removed from my credit report and was told I have to file a dispute. I was also told that they can not remove credit inquiries. I have already submitted 2 different dispute letters due to noticing inquiries that had once been removed and are now showing on my most recent report again and nothing has been done. Here are the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Equifax failed to open a dispute and subsequently investigate an erroneous debt collection for which I was denied credit including a mortgage. Equifax 's website is insanely difficult to use : there's no place to request a FREE credit report within 60d of being denied credit based on reporting agencies. When I tried to order one as the free annual one, Equifax claims that it can not verify my identity. Then Equifax emails that my order is ready for review, provides an ID # and a username and a DEAD link that does not go to a site so that I can enter the provided ID # and username. I hold a XXXX  in  XXXX, a XXXX  and XXXX  in XXXX but I can't navigate Equifax 's website! 

When I tried to dispute the debt again, Equifax then asks a series of questions -- NONE OF WHICH APPLY to me so when I accurately answered as such, Equifax once again said my answers do not match its records so use XXXX to request my report. 
The problem is when you click on XXXX it takes you right back to its website where it wants you to PAY for the credit report. 

All the other reporting agencies, XXXX  and XXXX have investigated ( apparently ) and removed the debt collection from my report -- the ONLY derogatory item on my credit report. With Equifax, I can't even order my credit report or submit a dispute. Not even by phone -- the phone tree dead ends so you can't talk to anyone. It just disconnects. 

Equifax 's failure to investigate dispute and non-compliance w/ state and fed law by providing a free report if denied credit w/in the past 60d has directly resulted in my being denied credit card accounts and a mortgage!
I called on XX/XX/2018 to request the phone calls from this number to stop because I DO NOT HAVE DEBT. I have never had anything go to collections and I have an excellent credit history. I do not use credit cards to spend above my means. I do not have any loans that would warrant a debt collector to call.

My call was answered by a recorded message that directed me to visit www.PortfolioRecovery.com THIS IS A SCAM WEBSITE that asks for personal information including SSN.

Information warning others that the site is a scam can be found online.
XXXX XXXX XXXX ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. 
I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM XXXX XXXX XXXX, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS XXXX AND EXPERIAN ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU
I called XX/XX/2018 and the lady at Equifax told me that she had to reinvestigate for the 4th time ... In the meantime I have to wait to buy my husband a truck. Not only is my XXXX XXXX XXXX XXXX reporting wrong at 207 % over the limit, they are now saying that I have 3 accounts which is untrue.
i have reached out to XXXX on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.
I contacted Capital One to inform them that I lost job, unable to make payments for my account. Therefore, I was enrolled in the Hardship & Assistance Program. Initial enrollment details given were that program pauses the account for any fees and do NOT report to on credit report nor to credit bureaus for several months or cycles. However the information given was inaccurate and misleading of the program offers. After checking my credit report few weeks later I discovered it report so I contacted Capital One regarding the inaccurate info given that resulted in a poorly negative reflection on my credit report tremendously dropped approximately XXXX. due to the inaccurate information the product offered. Finally, I contacted Capital One to make an payment for the account. If the information was accurate and correct initially there would NOT be confusion and a payment would have been made, the customer service and Mgmt. Team they quickly understood the situation and responded quickly by disputing the inacurrate delinquent report but have yet to receive any correspondence. Since then, I have contacted Capital One on several occasions but was once told there has n't been correspondence recieved and instructed me to contact the credit bureaus. 

Thanks, XXXX XXXX XXXX XXXX
I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX    XXXX   Account #  XXXX  ''
In XX/XX/XXXX of this year XX/XX/XXXX while out of town on a business trip our home was burglarized. Upon making the initial report and turning the matter over to our insurance company we noticed upon being notified by our bank that our personal information may have been compromised. 
Over the next several months we were informed that since XX/XX/XXXX numerous accounts had been opened or attempted to be opened utilizing my personal information. Upon receiving all this information I immediately contacted law enforcement along with the FTC. 
Based on the initial findings a police investigation was initiated and their findings clearly outlined several accounts were opened with stolen personal information. 
At the end of the month XX/XX/XXXX upon the completion of the investigation I was given both a finalized police report along with a signed affidavit of forgery from the FTC. I sent the information Via certified mail the XXXX XXXX XXXX in which they received the information and packet on XX/XX/XXXX. On XX/XX/XXXX I made contact with Experian via telephone XXXX number only to be told they have yet to make a determination. Despite all the overwhelming evidence the identity theft has caused they have yet to block the fraudulent information. The other reaming credit bureaus have already initiated and implemented the freeze and block of my personal information.
I send my mortgage payment for athe amount of {$3600.00} on XXXX XXXX via XXXX XXXX and send another payment for $ XXXXthught USPS with tracking # XXXXnot XXXX the payments has been credit to my mortgage account.
I purchased a car in XX/XX/XXXX and financed it with Nicholas Financial. The car was totaled in an accident in XX/XX/XXXX and paid off within 7 days. The payment was not late and was not reported late ; instead reported correctly as " OK '' on all three credit reports. 6 years later in XX/XX/XXXX, they are erroneously reporting that I was " 30 days late '' in XX/XX/XXXX, " OK '' in XX/XX/XXXX and " OK '' in XX/XX/XXXX.
Citibank is reporting a credit card delinquent XXXX that is not mine nor can I find out whose it is. My credit report shows me is an " authorized card holder '' but I have no information on the account and I have not had any credit with XXXX. I had a XXXX several years ago and any credit card debt I may have had is either included or not mine. 

I called XXXX and they would n't give me any information. I called several different divisions of XXXX and nobody would attempt to help me. 

I finally got hold of the corporate office and they told me most likely it was sent to a collection agency. Again no other assistance other than call someone else.
My mortgage was sold to Seterus. I received the 15-day notice from Bank XXXX XXXX. In reading the notice it stated that my loan was being transferred XX/XX/XXXX. It stated that I could make my XXXX payment to Bank XXXX if it were a timely payment. I have a 16 day grace period and I was well within it on XXXX XXXX, 2016 and TODAY. I went to transfer funds and discovered that XXXX had removed my mortgage account information. Thus, i have been unable to make my XXXX payment. 

To top that off, I have not received my notice from Seterus as of yet. I proactively called XXXX to obtain Seterus ' information. They gave me the payment address of XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. However, when I went to Seterus ' website, I was given a different address. Thus, I am unsure where to mail the payment. Additionally, XXXX do not accept XXXX. 

I proactively called Seterus to talk with a Representative to obtain my account information to put on my check. I still have not spoken to anyone. I have received circular messaging for several days and i have not gotten a live person the phone. 

On of their messages says to go on line to register to make a payment. I went online to register and make a payment. Their website states that you need your Seterus Loan number to register. Unfortunately, I do not have it because i never received their notice. 

I was planning to XXXX them the payment today XXXX XXXX, 2016. However, I do not have an account number to put on the check. I looked at their other payment options and their fees are very high. All I want to do is pay my mortgage in a timely manner. 

I did a XXXX search on this Company and I am concerned. There are so many negative statements about them and the way they do business. Do I have any recourse? 

My loan with XXXX XXXX XXXX was current as of last month. I am currently injured and unable to put weight on foot. Thus, I am unable to do a lot of running around and handling stressful situations. I have the ability to pay my mortgage, I do not want it to fall in arrears. Please provide guidance on navigating this maze, that I would like to avoid. Is there anyway to go back to XXXX? 

If not how do I get Seterus on the phone to obtain my account information? Additionally, please provide me the applicable authorities for this situation. 

Thank you,
I received a notification from TRS Recovery Services, INC. of a Notice of Unpaid Electronic Transfer. The date of the transaction was supposedly XXXX/XXXX/XXXX. It shows a check number of XXXX and a Stop Payment. Reference number XXXX. This is supposed to be with XXXX for {$400.00} I did not conduct any business with XXXX on the XXXX of XXXX XXXX. I have not made or attempted to make a purchase for that amount with XXXX. I do not write checks to XXXX if I shop there. This appears to be a fraud. 

XXXX did not contact me directly. This letter simply arrived in XXXX, XXXX. There are no supporting documents of any transaction. 

I downloaded a dispute form from the company and that form is highly questionable. It asks for bank routing numbers, drivers license and social security number. This is highly inappropriate. 

Reviewed my checks written and credit card statements. Nothing. 

If there is a problem, it is with someone else.
We are selling my deceased mother 's home and are trying to pay off the balance. We have asked for final amounts. Some of the fees that are being included were hidden in balance amount without being disclosed ( {$750.00} appraisal fee ) and others are very vague/unnecessary ( Title report fees of {$320.00} ).
On XX/XX/XXXX I tried to dispute the following inquiries with Experian. These are non authorized inquiries. They wont let me dispute these inquiries online or over the phone. I want Experian to conduct a full investigation on these non authorized inquiries. I would also ask for Experian to delete these inquiries if they cant be verified in the 30days allowed by law. Per FCRA. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
In early XXXX my family had a health crisis so my credit utilization spiked. Twice in XXXX XXXX raised my credit limit and my home depot credit card raised it once because of the falling utilization ratios. In XXXX XXXX, XXXX I made a {$2000.00} payment to my Citi Simplicity card. Then a few weeks later I did a cash advance and on XXXX XXXX i made a {$500.00} payment. The card was below 50 % Utilization. Then on XXXX XXXX they sent me a notice that my debt levels are too high and for this they are cutting my limit in half to {$1700.00} which put my utilization at close to 100 %. By XXXX XXXX I had payed {$12000.00} dollars worth of debt back to my XXXX credit cards and a personal loan that was taken out. My credit score then was above XXXX. Now because of the cut in the card it is now in the high XXXX 's. As a result my auto insurance which is based off of credit went up {$100.00} despite having a perfect driving record. This also disqualifies me from purchasing a home as the minimum is XXXX credit score. The attached documentation shows that XXXX XXXX raised my limit and the other documents show why and when Citi lowered my limit. I do not understand why XXXX credit card will raise my limit twice in one year but XXXX will cut it after I pay it down to 50 %. They have to know that this hurts your credit rating. Thank you.
My account with XXXX XXXX was given to C & E Acquisitions the company transferred the file to XXXX XXXX XXXX, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. XXXX XXXX XXXX threaten on several occasions to take legal actions. So I have filed a complaint with AZDFI over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was activated XXXX times during the time in which I had the account.
I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days past due XX/XX/2014
This is a two-fold complaint regarding a house my father owned and has now been transferred to me in a trust. 
1. When my father was alive, we attempted to refinance the home under Obamas HARP program and were told that my father was not eligible for the HARP or any other program. My father is now deceased. 

2. When JPMorgan Chase found out that my father died, they have misappropriated escrow monies ; have a conflict of interest by putting lender forced insurance on the house through JP Morgan Chase ; have held mortgage payments in suspense creating late fees ; and not applying escrow funds that were sent in the form of a cashier 's check, certified mail with return receipt. I believe this bank is attempting to force a foreclosure on this property which is now my property. They are refusing to speak to my husband who is a POA in addition to myself despite my writing a letter to them.
I made a purchase of {$190.00} at XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX. 

Payment was made by check in that amount by mail. The payment due date was XX/XX/XXXX. My check was processed XX/XX/XXXX. A finance charge of {$27.00} and a late interest charge of {$4.00} was assessed for a total of {$31.00}.

Payment of {$190.00} was inadvertently made again by my husband and processed on XX/XX/XXXX.

I called XXXX XXXX XXXX several times to have the charges of {$31.00} waived, and for refund of my overpayment.

A check for {$140.00} was dated XX/XX/XXXX and received by mail by me 6 weeks after the initial payments.
Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}
Transunion is reporting a debt twice on my credit report. The original creditor XXXX and XXXX XXXX XXXX.
My mortgage was absorbed by Mr. Cooper from Nationstar mortgage around XX/XX/XXXX. On XX/XX/XXXX, my mortgage was increased by {$190.00} to fund an escrow account that I did not authorize. While investigating this, I found out that Mr. Cooper had paid my property taxes in XX/XX/XXXX without my approval or consent, and without any escrow account to fund the payment. 5 months later, Mr. Cooper established an escrow account and deducted the cost of my property taxes, leaving me with a negative escrow value. I was not aware of this until XX/XX/XXXX after Mr. Cooper again attempted to pay my property taxes, this time from a negatively funded and unauthorized escrow account. Please note : I had already paid my property taxes as I was unaware Mr. Cooper was attempting this. While trying to resolve the issue, I was informed that I would need to provide proof that Mr. Cooper 's property tax payment was an overage and until that I would be liable for the amount in the escrow account. This is appalling.

UPDATE - on XX/XX/XXXX, I received a letter from Mr Cooper acknowledging " Our records indicate that the escrow account, for payment of the property taxes, was established in error. '' They will allow me to close the escrow account and will not charge me for the 2nd tax bill. I  am continuing with this complaint believe I believe what I experienced is blatant abuse if not consumer fraud, and because the company did nothing to proactively resolve or prevent the issue for the entirety of the 8 months that it existed.